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Vanquis/CARS/Face2Face Contact

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I have been in dispute with Vanquis for a while where they refused to start the payment protection insurance which I had been paying since the beginning of taking out a card with Vanquis - last year I ended up very ill in hospital and had to leave the job I had at the time in order to recover fully. When I filled in the form and sent it off to Vanquis they said that they had not received it. They therefore said that I could not have the PPI to cover the payments!

They passed my account onto 1st Credit, without telling me and I explained to 1st Credit what was going on with Vanquis and they must have passed the account back to Vanquis as the next company I heard from was C.A.R.S and I have written to them to explain the situation and they wrote back to me stating that they had heard from Vanquis that my enquiries had been answered - well they hadn't. They wrote to me again with the threat of legal action saying that I had not contacted them, but I had by letter and had proof. At the same time as speaking to them I was also writing to Vanquis asking of a signed trued copy of my CCA, a copy of their complaints procedure and asked them why I had been sold PPI when it had been of no use to me and sure this was a miss selling.

I got a copy of a CCA from Vanquis which could have been anyones as it was not signed or dated. I wrote to them again asking for a signed copy and again a copy of their complaints procedure and the reason of the PPI. To date I have not received a response to my requests and today I received a letter from a company called Face2Face Contact asking me to pay in full as they had been instructed by CARS to contact me and ask for the payment in full.

Two things - I do not have a debt with CARS and I have still not received the information from Vanquis and really need to know where I stand - I have only just recovered from an appendicectomy which happened 13 August and I am feeling really rather frustrated at the on-going requests to Vanquis and I feel I am just hitting my head against a brick wall.

I am going to write a quick note to Face2Face Contact to inform them that I have received their letter, which by the way was dated the 6 September and I received it on 11 September and they have asked me to respond within 5 days of receipt of the letter or they will send someone round to my house for settlement, which I know is not right.


Please any advice would be greatly appreciated.


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Dear oh dear! F2F getting ideas above their station again!


You've done the right thing by starting a paper trail of evidence, keep this going as you may need to rely on this evidence at a later date.

Keep a diary of events also, any of Vanqiuis' prefered DCA's you should simply send them this:


Sorry can't post the link as it's not letting me, but go to that link and click on debt collectors, in their (hopefully) you will find a link to a template which says, 'letter when account has been passed on whilst in dispute' or similar, just send the fools that and they should pass the account back to Vanquis to deal with.


As for Vanquis, did they send you their complaints procedure?

If not request it again, and also make a formal complaint to the OFT&TS via http://www.consumerdirect.gov.uk/contact give them a ring and they will antomatically pass your complaint onto them for you.

Above all else, keep a sense of humour, these little darlings are only interested in money and material things bless em, if they do send anyone round, tell them they have 10 seconds to remove their rancid carcass off your property or you'll call the Police to have them removed, and shut the door in their melon head.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!



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Unfortunately, I can't post links to the letters to send (and I didn't save them to my PC)

I would be sending F2F a letter along the lines of passing an account on while it was in dispute.

How old is this account?


If anyone happens to turn up on your doorstep, tell em to bog off. Don't get into conversation with them at all.


When a letter is sent to a company, they should make a note of it and they sometimes photocopy it. It may be worth sending Vanquis a SAR to see what is in the account history.


I would also send Vanquis a formal complaint (separately) regarding the PPI. I'm not up on PPI but I can't see why you shouldn't be able to get that back

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Several courses open to you.


Send Face2Face the 'in dispute' bemused letter (why has it been passed to them when still in dispute).


If you could post up the document Vanquis sent purporting to be an enforceable agreement, that would help 'the experts' in this field give opinions of its' enforceability.


Complain to OFT/TS about their misleading letters : http://www.consumerdirect.gov.uk/contact


You can send the Doorstep letter too: In the event that you intend arrange a Doorstep call by your Employees or your Agents, please be advised that under OFT Rules, you can only visit me at my home if you make an appointment and I have absolutely no wish to make an appointment with you. There is no need, as written communication is quite acceptable in Law.


Please note, there is only an implied license under Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.). Therefore, take note that I revoke license under Common Law for your Employees, or your Agents or your Representatives to visit me at my property and, if you do so, then you will be liable to Damages for a Tort of Trespass and Civil Action will be taken. The Police will also be called.

Every journey begins with a single step :):)


Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.


If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You


The only person entitled to your Personal Finance details is a Judge not a DCA


Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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Unfortunately, I can't post links to the letters to send (


Is anyone else having dramas with the links to the letter templates? Or is it just my steam powered puter?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!



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