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**urgent advice needed** in debt with vanquis unable to make repayments

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Hi every one was wondering if anyone can give me some much needed advice ?

(I am a resident in Scotland)


I have had a vanquis credit card since aug 2007 and wish i never got it , originally it was to build my credit rating as i have had financial difficulties in the past . Anyway to the point .....


I owe £1456.11( my limit is £1250) on the account and can't make repayments , the last payment i made was at the end of june . I don't have a phone anymore so can't be contacted that way but my partner!!!! had been bombarded with call's looking for me, i found that rather rude so i don't want to talk to them via telephone. I wrote them a letter in july stating that i couldn't meet my minimum payments as my partner no longer had an income and the only income i had was my part time earnings of £300pmth and my partners £30pwk jobseekers. I also asked if i could make an agreement and set up a direct debit to pay £50 pmth until such a time that i could pay more.I also told them that i would like like them to contact me in writing only.... i never heard anything about that.


They just sent letters saying that i had missed my payments and if i didnt pay the outstanding arrears then i would have legal action taken against me. I don't know what to do my partner recieved a text today saying that my account was being handled by IMPACT Debt Collection Agency.


please if you have any advice?:confused:

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first of all see if the debt is enforceable, ask for a copy of your signed credit card agreement, CCA, then post it on here and you will get further advice as to the next step. I belive all charges on credit cards are not valid and therefore you may get them refunded. I dont suppose you had payment protection insurance on this card do you? If you had it in the past you will be able to claim premiums back if it was misold



Bet you dont feel as bad now do you?

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Send this and don't sign


Letter to Creditor for reducing and freezing payment


1 High Street,



R21 4RH

May 22, 2010

The Loan Company

Company House,

Church Street,



R1 7HG

Dear Sir/Madam

Re Account No/Reference No:- 4563210025897412

Since making that above agreement with you, our circumstances have changed.

We cannot now afford to agreed monthly payments because ... [your paragraph added here]

We enclose a Personal Budget sheet which shows our total income from all sources, and the total outgoings of our household. As you can see we have no money left to make offers of payment to my creditors.

In view of our circumstances, would you please accept [no payment at present] [a token offer of £1.00 per month] to be reviewed in six months. If interest or other charges are being added to the account, we would be grateful if you would freeze these so our debt does not increase.

Should my circumstances improve we will contact you again.

We would be grateful if you would send a [paying-in book] [standing order form] to make it easier to pay you.

Thank you for your assistance. We look forward to hearing from you as soon as possible.

Yours faithfully

(Print your name but DON’T sign)

Mr A

Its God's gift Please Save The Earth.


If you had ever been helped by this site and satisfied than by Donating This site is just simply helping others too, who are really in need. Please make a donation.


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At the same time request for CCA and send this



Letter to request CCA

Your Address




Dear Sir/Madam


Re:- Account/Reference Number XXXXXXXXXX

This letter is a formal request pursuant to s.77(1) of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.


I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77(6) will apply.



If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.


Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).


I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.


If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.


We look forward to hearing from you.


Yours faithfully



print your name



Its God's gift Please Save The Earth.


If you had ever been helped by this site and satisfied than by Donating This site is just simply helping others too, who are really in need. Please make a donation.


Helping someone in need is God,s blessing

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  • 4 months later...

Hi everyone , I feel very dissappointed in myself as i have just buried my head in the sand for the past 4 months :( . It is no excuse but i've had a rather difficult time the past few months dealing with the loss of a few relatives and so haven't felt up to dealing with these b*****'*. Anyway an update on everything so far . I have completely ignored letters from Impact DCA , 1st Credit DCA, and have now received my first letter from Connaught Collections today 13/01/11:




Dear Madame


RE: 1ST Credit Ltd ( Vanquis bank ) Outstanding Debt £1,685.71


We have been instructed by 1st credit to recover this overdue account and understand that you have already been furnished with the full details of the claim.

As we are unaware of any reason for payment being withheld, please forward settlement in full to this office within seven days from the date of this letter .

We should point out in the event on non-settlement , our client reserves the right to issue legal proceedings if necessary . This would result in additional interest and cost being added to the full balance as shown.


yours faithfully

(illegible scrawl , printed signature)

Connaught Collections


Our company has the sole control of your account. Payment must be sent to this office. DO NOT PAY A DOORSTEP COLLECTOR, without first gaining our authority .



Today i also received a statement from vanquis today showing a balance of £1,751.78 , although it is dated 6/01/11 !!! i am also paid £22.31 in PPI .


Is it too late for me to send a CCA ?

could i possibly reclaim charges and PPI , how would i do that ?

Also how do i cancel my PPI without having to call them ?


I will follow through with any advice given , i do apologize for wasting your time previously ......

Any advice is more than welcomed xx

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Send a CCA straight away. Do not worry about CONoughts, they are just 1st Credits parlimentary wing, when the crudders get no response from you they pass it on this this bunch of losers.


You may while waiting for them to comply with your CCA request receive a letter from their legal bods Judge Preistley, but don't wory to much about them either until we know if their is any compliant paperwork for the account.


DO NOT speak to them on the phone EVER.

Sent any letters recorded delivery


If there is ppi on this card, why have you not made a claim?


to re-claim ppi (if you have grounds) you would need to send a SAR to Vantwits to find out exactly how much you have paid over the years.

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The PPI can be cancelled by sending a letter to

Customer Service, P.O. Box 399, CHATHAM ME4 4WQ.

This is for stopping future payments, use their name for it which is Repayment Option Plan.

Sent one myself last week.

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  • 2 weeks later...
  • 3 weeks later...

Would be interesting to see how much charges refund will be at their rate of 34.08% a £20 charge in Nov 2007 would be worth £42.22 now!


ok thank you very much guys will keep you all posted on what occurs next :)
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