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RE: Outstanding credit card debt with vanquis bank

 

Hi I recieved a letter from resolve call saying that if I did not contact their client Vanquis bank within 3 days they will send someone round to my house to discuss repayment offers.

 

I phoned them up today and said that I have sent a letter to Vanquis bank today as I do not want to negotiate over the phone with them. I also said to them that I do not invite anyone from their company to my home to discuss this and if anyone does come around I will phone the police for trespassing.

 

The women got very annoyed and said that as I have revoked the agreement under the CCA a third party has the right to resume collections as they see fit including door stop visits without invitation and that because I haven't spoken to vanquis over the phone she or they are sending someone round to the house to discuss this with me.

 

she also said I should read the cca.

 

Now I really don't want a doorstep visit I have an elderly father who lives with me and although I can shoo them off this will probably scare him especially if its some meathead they send round.

 

So should I just phone vanquis and give in?

 

Is she right in what she says?

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your mistake was to phone them

 

resolve call rarely turn up

 

and they have no legal powers anyhow.

 

dx


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ResolveCall are on of the worst for this kind of threat, please stay off the phone.

 

Send the following letter to the Compliance Manager.

 

Sir,

 

Ref: use theirs.

 

I refer to a telephone coversation with one of your most unpleasant operatives on xx xx xxxx regarding threats of an ''agent'' calling at my home to discuss an alleged debt, please take note I will not be intimidated by such an arrogant approach and confirm formally that any visits are totally unacceptable and I will not discuss my financial affairs with intinerant ''agents'' from yours or any other company.

 

Should any visit occurr after you have received this letter it will be treated as harassment and be reported to the OFT.

 

I will conduct correspondence in writting only no phone calls or e mails are to made.

 

I have a vulnerable relative living at my address and any distress caused by unauthorised visits by any agent, representative or employee of your company will result in legal action.

 

Final Response.

 

Send recorded delivery and check when they receive it.

 

Never phone Vanquis.


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Thanks.

 

But they will recieve this most likely Monday/Tuesday if I send it off tomorrow morning.

 

She said she was sending someone round my house Monday/Tuesday

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Get that in the post today if you can.

You can though safely ignore any caller and ''invite them politely to go away'' or you will the police.

 

The pratt in a grubby mac has absolutely no authority to insist on anything or do anything.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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She said she was sending someone round my house Monday/Tuesday

 

tell them to go and play with the traffic

or direct them to the nearest builders merchant so they can have a look at a variety doorsteps should keep them amused for hours


If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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