Vanquis Credit Card Debt

[ajones500]

Hi

 

I wonder if anybody can offer me some advice please.

 

I have a debt of about £1800 owing to Vanquis Credit Card.

 

Unfortunately I am currently in a position where my income has been reduced through no fault of my own.

This means that I have had to decrease all my creditors, most of whom are ok with it, except Vanquis.

 

They have refused my offer and insisted I use Stepchange, a charity apparently for debts.

I don't want to use a third party, but if they insist what can I do?

 

by far the biggest problem I'm having is Vanquis is telephoning my home 15-20 times a day.

 

I am writing to them so I am not ignoring them I just don't want to talk on the telephone.

This is bad enough but as I'm in work for the most part I don't get to hear the phone ringing all day.

The big part of the problem is now they are phoning my workplace several times a day also.

 

My boss is going up the wall and insisting I get Vanquis to stop or face disciplinary action,

including the sack!

 

If I loose this job I will be in big trouble.

 

I am going off my head.

 

I am telling them to stop phoning my work. Omg, what can I do about this?

 

I spoke to some guy from a website called The Money Advice Service

and he told me to register with the Telephone Preference Service,

 

which I am with anyway, and contact the stepchange people.

 

Any help will be of great assistance, thank you.

[dx100uk]

send the telephone harassment letter

 

and also a formal complaint

 

they are not supposed to phone work numbers

 

that's against every guideline in the book

 

complain to the FOs/OFt/ICO/MP too.

 

you are correct

deal with this yourself

 

it is better to ignore the phone calls writing only.

 

dx

[ajones500]

send the telephone harassment letter

 

and also a formal complaint

 

they are not supposed to phone work numbers

 

that's against every guideline in the book

 

complain to the FOs/OFt/ICO/MP too.

 

you are correct

deal with this yourself

 

it is better to ignore the phone calls writing only.

 

dx

 

Ok thanks for the advice there.

 

The telephone harassment letter, is that a template I can use or something like that.

 

FOs/OFt/ICO/MP - Financial Ombudsman? OFT - Office Fair Trading and ICO no idea am I correct?

 

Thanks.

[dx100uk]

information commissioner office

 

yes the telephone harr letter is in the templtes section

 

dx