Vanquis Credit Card

[redbilly]

Hi

Wonder if anyone can advise me on how I stand with the following situation.

 

In 2006 I took a Vanquis Visa card in June 2009 I owed them £1952.24 and my payments were £89.00 per month. In June 2009 I got into some financial difficulty and spoke to Vanquis asking them to cancel the card and that I could not afford the £89.00 per month and that I could afford £43.00 per month. They agreed and the card was cancelled and I was told that no more interest would be applied to the account.

 

I paid the £43.00 for 3 months when Vanquis informed me that £43.00 was not enough and I now owed them £2217.45. I wrote to them insisting that until they removed the interest charges I would not make any payments until the amount owed was the agreed £1952.24 less 3 payments of £43.00.

 

 

I did not get any reply from Vanquis except for monthly statements and each month more interest was added.

 

 

In feb 2010 I received a letter from a collection service called Impact asking for £2350.52 I wrote to impact telling them I was in dispute with Vanquis over the amount owed. I did not get any reply from Impact and my last statement from Vanquis is dated July 2010 stating I owe £3015.09.

 

Since this statement I have had no correspondence either written or by phone from Vanquis until yesterday When I received a letter asking for payment of £2355.00 as a early settlement payment. In the same post I got a letter from a company called Lewis Debt recovery asking for the full £3015.09. I think this Lewis Debt recovery have been telephoning me for about a week but because I will not confirm my postcode, date of birth and inside leg measurements they will not tell me who they are.

 

 

My question is can Vanquis have no contact with me for 3 years and then out of the blue demand payment. What can/should I do?

I hope all of the above is clear and your help and guidance is appreciated

Edited March 22, 2013 by citizenB

[havinastella]

I have moved your thread to the debt collection forums.

[havinastella]

I would send them the SAR request for all unlawful charges/ppi that have been applied to the account.

 

What was your credit limit?

[redbilly]

My credit limit when I asked for the account to be closed was £2000

[Bazooka Boo]

Have you checked your credit files?

 

Has Vanquis sold this account, or are these tin pot DCA's simply the gophers doing their dirty work?

 

Ignore the DCA's for now.

 

Check your credit files, and start the serious complaint with Vanquis for their atrocious behaviour regarding the running of your account.

 

If they ring in future, just laugh and hang up, do it every time the children phone, they will be forced to get their crayons out then and converse in writing.

[citizenB]

Did you make the payment arrangement on the telephone ? If in writing, do you still have this.

[Old Cogger]

Impact are vanquis DCA dept

[redbilly]

Did you make the payment arrangement on the telephone ? If in writing, do you still have this.

 

The payment arrangement was made on the phone.

[42man]

What a pity you didn't get it in writing, if it was me then I would be writing to them stating exactly what was said in the telephone conversation, so you have a record of it....