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Hi . Firstly I hope I am posting in the correct forum. Here goes. I have had a Vanquis card which due to charges and interest has now got a balance of £2800. I have been receiving endless calls from IMPACT collections about this. I do not talk tyo them on the phone. I started direct debit from my account last month paying vanquis £40 per month. This is all I can afford. I have checked my account and this has gone through. Today I received a letter whose main heading was "PAYMENT IS REQUIRED WITHIN 72 HOURS" and underneath that heading was - "FAILURE TO PAY WILL RESULT IN A DEFAULT NOTICE BEING ISSUED" What does this mean as I have not defaulted on a payment? They are asking me for a payment of £194.61 which I simply don't have. What do I do please.

 

I also have x2 Catalogue debts which I am paying at £5 and £10 a month. The £5 one is Marasota and I requested a CCA? from them. They sent me a load of statement BUT the signature on the document is not mine. The debt is (they have added so many charges of "12 sometimes 2 in one day) but I don't know how to respond to this letter either. I once spoke to Marasota or reliable collections I think it was and told them that I am terminally ill (which I am) and they are now requiring drs letters and medical letters, I didn't think that they could do this? PLEASE PLEASE CAN SOMEONE HELP ME. I FEEL LIKE MY HEAD IS EXPLODING. I'm getting so down with all the phone calls - some don't leave a number, that my health, already bad is suffering.

 

Oh ok Thanks,

 

Hi . Firstly I hope I am posting in the correct forum. Here goes. I have had a Vanquis card which due to charges and interest has now got a balance of £2800. I have been receiving endless calls from IMPACT collections about this. I do not talk tyo them on the phone. I started direct debit from my account last month paying vanquis £40 per month. This is all I can afford. I have checked my account and this has gone through. Today I received a letter whose main heading was "PAYMENT IS REQUIRED WITHIN 72 HOURS" and underneath that heading was - "FAILURE TO PAY WILL RESULT IN A DEFAULT NOTICE BEING ISSUED" What does this mean as I have not defaulted on a payment? They are asking me for a payment of £194.61 which I simply don't have. What do I do please.

 

I also have x2 Catalogue debts which I am paying at £5 and £10 a month. The £5 one is Marasota and I requested a CCA? from them. They sent me a load of statement BUT the signature on the document is not mine. The debt is (they have added so many charges of "12 sometimes 2 in one day) but I don't know how to respond to this letter either. I once spoke to Marasota or reliable collections I think it was and told them that I am terminally ill (which I am) and they are now requiring drs letters and medical letters, I didn't think that they could do this? PLEASE PLEASE CAN SOMEONE HELP ME. I FEEL LIKE MY HEAD IS EXPLODING. I'm getting so down with all the phone calls - some don't leave a number, that my health, already bad is suffering.

 

Hi . Firstly I hope I am posting in the correct forum. Here goes. I have had a Vanquis card which due to charges and interest has now got a balance of £2800. I have been receiving endless calls from IMPACT collections about this. I do not talk tyo them on the phone. I started direct debit from my account last month paying vanquis £40 per month. This is all I can afford. I have checked my account and this has gone through. Today I received a letter whose main heading was "PAYMENT IS REQUIRED WITHIN 72 HOURS" and underneath that heading was - "FAILURE TO PAY WILL RESULT IN A DEFAULT NOTICE BEING ISSUED" What does this mean as I have not defaulted on a payment? They are asking me for a payment of £194.61 which I simply don't have. What do I do please.

 

I also have x2 Catalogue debts which I am paying at £5 and £10 a month. The £5 one is Marasota and I requested a CCA? from them. They sent me a load of statement BUT the signature on the document is not mine. The debt is (they have added so many charges of "12 sometimes 2 in one day) but I don't know how to respond to this letter either. I once spoke to Marasota or reliable collections I think it was and told them that I am terminally ill (which I am) and they are now requiring drs letters and medical letters, I didn't think that they could do this? PLEASE PLEASE CAN SOMEONE HELP ME. I FEEL LIKE MY HEAD IS EXPLODING. I'm getting so down with all the phone calls - some don't leave a number, that my health, already bad is suffering.

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Your posting would be better off in a different section. Hopefully on of the administrators will move it for you and then you will get the help you need.

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They didnt and I have had no reply or help. I have now today recieved a telephone call saying that they (Impact) are going to issue a default notice. I am paying them £40 per month. What else can I do?

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I have posted this before but got no answers or help but

 

as matters have developed I thought I would try again.

 

I have received a TELEPHONE message from Impact collections about a Vanquis card that I have that is now in arrears.

 

The amount is £2600.

 

I have started a standing order from my bank for £40 a month to Impact.

 

If this is being paid (and I've checked and it is)

how can they issue me with a default notice.

 

I am too ill to go through the courts with this and would have thought that £40 was enough to start paying this off.

 

Surely it is not in their interests to take this to court?

 

Please can SOMEONE help me this time??

 

G:|

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Does the debt show on your credit file

 

when was the last payment before they convinced you to pay

 

is it your debt/do you actually owe it what is the history

 

do nothing over the telephone if it is important they will write to you if they phone you say in writing and hang up


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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Vanquis can default the account if you are paying less that the required minimum payment, placing a default has nothing to do with starting court action, it reflects the true and up to date picture of the conduct of the account.

 

So unless you stop paying the £40 they will have no reason to take further action.


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