Vanquis harassing me even though i am on a payment plan

[hayleyg22]

Hello

 

Well to cut a long story short i took out a Vanquis card around 18 months ago whilst i was in full time employment, to build up my credit history as i was 23 and hadn't previously had any history.

 

Unfortunately last year i was diagnosed with a chronic illness and had to leave my job, since then i have had to live on ESA benefits for my poor health. I advised Vanquis of this straight away and last year i set up a payment plan with them. However even though i am paying this every 2 weeks by standing order they are still adding charges and interest on top, and constantly calling me several times a day even though i have told them not to.

 

I don't see the point in paying it any more as with every little bit i pay, charges and interest are being added on and i am being put into even more debt so it is not making a difference. I have sent them proof of illness and my income, and yet they are still making the situation even worse.

 

Finding this all very stressful and i don't need it when i'm poorly, i have been paying all i can with the repayment plan and can't do any more.

 

My questions are;

- Are they allowed to do this and if not how can i get the charges removed/reclaimed?

- Where can i go for advice, and what would you do in this situation?

 

Many thanks your help is much appreciated.

[Systemerror]

Hi there. Do this:

 

write a letter:

 

Dear nasty people,

 

I deem your calls to be harassment and should you make a further call to me regarding this account xxxxxxx I will make a claim for damages persuant to the protection from harassment act 1997. All calls are logged and recorded

 

Yours sincerely.

 

If they call one more time, start a claim using MCOL.

Keep a notebook by the phone and log all calls making a note of the time, what was said etc or better still, use a device like an ipod touch or smart phone to record the calls.

 

see my thread....

[hayleyg22]

Hi there. Do this:

 

write a letter:

 

 

 

If they call one more time, start a claim using MCOL.

Keep a notebook by the phone and log all calls making a note of the time, what was said etc or better still, use a device like an ipod touch or smart phone to record the calls.

 

see my thread....

 

Thank you, i will do. better still i may just change my number, see how they like that!!

[hayleyg22]

Also i have their 'repayment option plan' on my account which is showing on my online statements... is this not designed to freeze interest when you are in financial difficulty??