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In trouble - Need help - Vanquis debt!!


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I've got myself in trouble with vanquis, i've had the card over 2 years now as i didn't know much about them when i took out the card. Stupid!

 

I've fell behind with payments and currently can't make a payment this month.

 

My debt has now shot up over my credit limit up to £300 (credit limit was £250)

 

I've had already 6 phone calls from vanquis and it's only 10:30 am, each phone call has been with a different number. (google'd each number)

 

I've looked at my last 6 month online statements and can see £60 worth of charges alone.

 

These charges are "overlimit" and "late payment charges"

 

This seems to be spiralling out of control and i don't know what to do, or what my next move is.

 

I'm looking for a little bit of advice to help me

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Hi What level are these penalty charges at £12 or more?

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

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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same as your other debts with PENALTY charges

 

get them back!

 

have you ALL the statements?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi What level are these penalty charges at £12 or more?

 

There all £12 each.

 

I also have all these interest things being added, such as :BILLED DEFERRED FINANCE CHARGES, DEFAULT CHARGE INTEREST

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same as your other debts with PENALTY charges

 

get them back!

 

have you ALL the statements?

 

dx

 

 

No they don't send me statements. So i only have the last 6 months statements, which show online. Which i counted £60 in £12 fees, in late payment charges and overlimit charges. I'm positive there is a lot more spanning over the last 2 years.

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then an sar is a good idea

 

not got ROP too have you?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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then an sar is a good idea

 

not got ROP too have you?

 

dx

 

 

No, i cancelled that after i found out what it was. quite near to when i took out the card.

 

Right, Will get on to S.A.R them!

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they rarely pay any attention to the harassment letter.

 

though DO keep a detailed log of the frequency of the calls.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

they rarely pay any attention to the harassment letter.

 

though DO keep a detailed log of the frequency of the calls.

 

dx

 

Right no problem, will do.

 

8 calls since 9am today. all from different numbers.

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