Help! Vanquis, resolvecall, and impact.

[Realgill]

Does my CCA request matter now.....should I make any reply to resolvecall in response to their letter

telling me they'll continue to pursue me and if I want the agreement then I need to contact vanquis directly.

..or do I simply ignore them.

 

Should I still be timing the CCA requests to all 3 of these companies....vanquish, impact, and resolvecall?

 

I'm completely lost here, please help if you can.

 

Thanks.

[Realgill]

LATEST.

 

I received this in the post today in response to my CCA request which I sent on 09/09/13.

 

Where do I go from here.

 

The phone calls have continued but they are no longer as frequent as they were.

 

Thanks for the help.

[renegadeimp]

Please rescan the file and make sure it is a low resolution. 10 mb is way too much for a pdf.

[dx100uk]

I've done the att for you.

 

as that was an on line agreement that'll be all they need.

 

now to wrap up the investigation stage

 

what does you credit ref file say about this debt?

 

dx

[Realgill]

Thanks for editing the PDF.

 

I just checked Experian and the report shows as "2 payments late".

Everything else on my report is showing as satisfactory.

[dx100uk]

ok so 2 late payments

 

was the letter a default notice served under sec 87 of the CCA

 

or was it just a default sum notice

advising they are levying £12 penalty charges?

CCA was online so pretty compliant whatever they send

 

bal £2700 arrear £300ish

 

not the end of the world.

 

have you done anything like the following:

 

TELL [dont ask] them they are only going to get £xxPCM for xx mts

as a goodwill gesture

and as a reciprocal GOGW they must freeze int & refrain from levying PENALTY charges.

if they wont

drop them to £1PCM for life.

.

as an example>

LETTER 1

.

I am currently in financial difficulties and not able to meet my normal monthly repayments.

to show my goodwill, i am going to pay £5 for 6 mts.

 

i will update you in 6mts time or before, should my situation change.

could you please as a reciprocal goodwill guesture,

refrain from levying any penalty charges & freeze the interest on my account.?

Should you fail to assist me during a period of financial difficulty, contrary to all the guidelines and codes

issued by the relevent bodies and authorities that govern you and the way you conduct yourselves.

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

as your actions would do nothing to help me.

i thank you for your time.

signed

.

then pay by your internet banking site

.

and get reclaiming

.

TAKE CONTROL

.

if you have sent the above and they refuse

then write back........

.

.LETTER 2

 

i'm sorry, but you have failed to assist me during a period of financial difficulty,

against all the guidelines and codes issued by the relevent bodies and authorities

that govern you and the way you conduct yourselves.

i repeat again, the contents of my letter dated dd/mm/yyyy, for want of clarification:

to show my goodwill, i am going to pay £XX for XX mts

could you please as a reciprocal goodwill guesture, refraining from levying any penalty charges

& freeze the interest on my account.

i will update you in 6mts time or before, should my situation chance.

should you fail to help by refraining from levying unlawful PENALTY charges & freeze my interest,

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

as your actions are doing nothing to help me.

This is contrary to the rules you should operate under.

disgruntled account holder

dx

[Realgill]

Thank for the quick reply.

 

I believe it was an actual default notice as it had....This is a default notice served under section87(1) of the consumer credit act 1974" and going on the replies here it was.

 

I haven't sent them anything other than the CCA request lately, and I was waiting on further advice regarding their reply to that before I would know what the next step is.

Out of interest...how would one determine if this CCA reply is in fact a proper compliant CCA? What does it need to contain etc?

 

Would I be correct in thinking I now follow your advice and send them the first letter you added?

 

Could you also advise as to how I go about making any payments (on my terms). I'd rather not have to phone these people and I definitely do not want to give them any access to my accounts for the likes of DD's.

 

Sorry for all the questions, but I would be completely lost without the help of everyone on here.

 

Many thanks.

 

Sorry, forgot to ask...what do you mean about reclaiming.?

 

Ignore the what is GOGW........I assume it's gesture of goodwill.

Edited September 24, 2013 by Realgill

[dx100uk]

your internet banking webportal is how you pay anyone

 

dx

[Realgill]

Can anyone expand and offer further advice please.

 

I believe it was an actual default notice as it had....This is a default notice served under section87(1) of the consumer credit act 1974" and going on the replies here it was.

 

I haven't sent them anything other than the CCA request lately,

and I was waiting on further advice regarding their reply to that before I would know what the next step is.

 

Out of interest...how would one determine if this CCA reply is in fact a proper compliant CCA?

What does it need to contain etc?

 

Would I be correct in thinking I now follow your advice and send them the first letter you added?

 

Could you also advise as to how I go about making any payments (on my terms).

I'd rather not have to phone these people and I definitely do not want to give them any access to my accounts for the likes of DD's.

 

Sorry for all the questions, but I would be completely lost without the help of everyone on here.

 

Many thanks.

 

Sorry, forgot to ask...what do you mean about reclaiming.?

[dx100uk]

reclaiming...

 

any "12 PENALTY fees [late/over/letter] you can reclaim at THEIR interest rate

same goes for their spoof PPI [ROP] ifyou have it

 

as for paying

use YOUR internet banking website

BACS [internet] transfer.

 

the CCA for this age of account is not worth worrying about.

its too new an agreement for wriggling.

 

dx

[Realgill]

Update:

 

After sending them my offer of payment I received a reply basically saying they would freeze all interest and charges etc but their minimum payment requested was still a little higher than I had offered. So I have sent another letter stating that I would be happy to move forward if they could further reduce their requested payment.

Fingers crossed.

 

Thanks for all the help I have received, I appreciate it.

[dx100uk]

in the meantime pay them what you can via your internet banking portal.

 

don't await their approval.

 

its YOUR MONEY

 

you control in NOT THEM

 

dx