1st credit & Vanquis Bank/credit card advice needed please

[gartom]

Just an update and further advice please.

 

Today I received 2 letters one dated 16/11/10 stating I've broken credit agreement, contact office to avoid legal action....etc.

 

The 2nd dated 17/11/10 reads as:

 

"We write with regard to the aforementioned account and to your recent request for a copy of the agreement.

 

May we make you aware that all requesrt for agreements and/or statements must be made direct to Vanquis. We have today passed on your request and fee to Vanquis and they will issue you with a copy of your agreement in due course.

Please be advised that we have not received your payment due on12/11/10 therefore your repayment has now defaulted. Please contact office as a matter of urgency."

 

So firstly is this correct?

The term "due course", does this still mean it has to be provided from the date I sent it on NOT the date 1st credit have passed it on?

Do I continue to ignore?

 

Thanks folks

[PGH7447]

ignore they know the time lines as well a we do, there letters are design to confuse and intimidate, after 12+2 days send the account in dispute letter

[gartom]

Thanks you PGH7447:-)

 

If/when I have to sent an account in dispute letter do I send that to 1st credit or to Vanquis, as 1st C have passed the request to them?

[PGH7447]

1st crud, they are the ones chasing they are the ones who have to either deal with it or send it back to vanquis

[gartom]

Good Evening,

 

Still no CCA yet, BUT, vanquis (the orginial debt) sent me another bill today with more charges on it, plus a little note saying it had been passed to 1st credit.

 

Is it right that they continue to bill me AND add more to the bill when they've already passed over to a DCA?

[PGH7447]

depends if they sold it or instructed 1st crud to chase,

[gartom]

Thanks.

 

All the letter says is:

 

"your details have been passed to 1st credit limited to recover the outstanding debt, please contact them directly on ...... with any queries"

It sounds to me like they have been instructed to chase

[gartom]

Morning on this very chilly and white day!

 

It's now been 17 days since I sent in my CCA request to 1st credit (who then passed it to Vanquis), I hve heard nothing.

Should I now send in the account in dispute letter?

 

If so who to? Or in the spirit of belt and braces should I send it to both 1st credit and vanquis?

 

Thanks

[dx100uk]

yes failure to comply/dispute letter to 1st crapit.

 

dx

[PGH7447]

yes failure to comply/dispute letter to 1st crapit.

 

dx

 

Are you sure DX, seems that the site team are giving out conflicting advice:madgrin:

[gartom]

OK letter of account in dispute will be winging it's way to them tomorrow, thanks again everyone for your help

[dx100uk]

Are you sure DX, seems that the site team are giving out conflicting advice:madgrin:

 

???

lost me young sir

 

dx

[gartom]

Afternoon, I hope everyone had a lovely Christmas.

 

Today, I finally received my CCA from Vanquis but once again I'm confused.

 

All it is, is "Vanquis Credit Card Agreement and full terms" It quite literally is a copy of their terms & conditions, there is nothing with my name, address, DOB, date of agreement anywhere on it. Is this the correct thing they have sent out?

 

I was expecting some sort of agreement between us with my name etc on it not just terms & conditions.

So where do I go from here?

 

Thanks

[PGH7447]

send back the account in dispute letter stating that a copy ot T&C's does not an agreement make, and that until they provide an original agreement with your detials then this account is not proved

[gartom]

Thanks PGH7447,

 

I will send it back to them tomorrow.

[Kitten1]

Mind if I add my 2p worth about 1st crapit?

 

I had them chasing me a few months ago for ONE missed payment on a moneyshop loan. I only found out they were looking for me when they phoned my mum.

 

Cue a very hormonal and heavily pregnant female screaming down the phone at them about their cr@p business model for phoning my mother and how I did not acknowledge any debt to them so go forth and multiply!!!

 

They havent contacted me since.......

 

The reason I wanted to share this is to let you know that they will go away if you stand firm. YOU call the shots Hun xxx

[gartom]

Thanks Kitten1

It does get me down in all honesty, the last letter I had from them was to say if I paid now they would discount it to £250, which was my original debt not the £650 I owe now!

 

The worst of it is that I've never denied I owe the money because I do but can NOT afford the payments they are demanding and they wouldn't accept my offer.

I can only bang my head against a brick wall and get upset so many times, thank God I found this forum it's been a life saver, so whenever it gets on top of me I come here and flick through the posts and it makes me smile again.

[dx100uk]

if they are offering a discount

that means one thing only -

 

there's someting wrong

 

either there's an issue with the CCA

or

its made of unlawful charges &/or mis-sold PPI.

 

dx

[gartom]

Hi Everyone,

 

An update about this thread: After placing my account in dispute as they failed to send me a CCA I heard nothing more from Vanquis.

Last week I had a letter arrive from Cabot saying they had bought the debt from Vanquis, today when I got home from work I found a card addressed to me (Hand delivered) asking me to call or text a mobile for a call back. It doesn't say anywhere on the card who or where it's from.

 

So can Vanquis sell my debt whilst it is in dispute? If it turns it this card belongs to a door step collector where do I stand or what do I do next?

 

Thanks ever so much

[casper1963]

Im not that expirinced in these matters but as far as i am aware no they can not sell or parce on a disputed debt and i believe you should send the letter in the attached link but wait for a more expirenced cager to confirm this

kind regards casper

http://www.consumeractiongroup.co.uk...lection-agency

[gartom]

Hi Casper,

 

Thank you that link looks right to me with my limited knowledge.

Thanks for taking the time to get back to me

[PGH7447]

write to crabot and inform them the account is in dispute and you will not be dealing with them or any fool who calls at your door, and that until the OC has recitfied the dispute they can take a hike

[BRIGADIER2JCS]

AGREED, and tell them no home

visits.

[gartom]

Once again I'm indebted to you guys thank you so much.

 

One letter to Cabot will be fired off tomorrow!

[casper1963]

if you have the money send it recorded and at the very least get proof of postage which is free