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Vanquis/provident endless phonecalls


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Phone call from this lot recently asking to confirm security details,

I refused as they wouldn't tell me why. we got nowhere,

I told them write only.

Guy said they would keep ringing until matter resolved.

Daily phone calls from automated service,

pressed option 3

 

on the first one, but despite that being for when the person is never there, it kept ringing every day.

 

Email complaint went to CEO,

reply came that number now off database while they investigate my complaint.

...reply sent to them

 

it stays off anyway or complaint will escalate.

 

Letter received today sub heading Provident Personal Credit Loan...

....now the one and only loan I had from these was in 2001/2

and to my knowledge settled.

 

 

So long ago I haven't got any paperwork now.

As the guy who initially rang wouldn't tell me what

 

it was about I have only just found out from this letter...

...what should I do now?

 

 

Any advice appreciated.

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def vanquish that phoned?

not some stupid DCA?

 

 

what was the number?

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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They have used different numbers but the number used by the guy on the first call was 01133454321 and there are 3 other numbers that have been used since with the automated calls.

 

The letter today is headed Vanquis Bank with the address customer action team....

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The telephone number is Vanquis Bank.

 

When was the last payment or written acknowledgement of the Loan?

 

If over 6 years (5 if in bonny Scotland) then the debt is Statute Barred regardless if settled or not.

 

Might also be worth having a look at your credit file (Clearscore & Noddle are free), see if anything has been added or if they have searched your credit file.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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I haven't had anything to do with Provident since at least 2003, I moved home twice since then, down sizing as family moved out and got their own homes etc. This phone call came totally out of the blue. I acknowledged nothing as he wouldn't give details without his security questions being answered, which I wouldn't do until he told me what it was about....

 

Its only from this letter today that I find its about a provident loan....which was back in 2001/2. Am baffled why they are ringing me now and writing about this very old loan.

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They can legally pester you for a statute barred debt until you tell them that the debt is Statute Barred, once told they have to stop all correspondence, if they do not then you can complain directly to the FCA. A Statute Barred letter is in the Library.

 

First thing to do is check your credit file just in case anything has been added.

 

You can ignore everything except a claim form, laugh when they ring unless you block them and periodically receive some free hamster bedding.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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I've heard via the grapevine that provi

are doing their fresh start/new deal loans again.

 

they inherit old debts...typically old CAT debts

 

then they ring up offering a int free loan to clear the debt

 

99% of these debts are always statute barred.

 

 

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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Ive just rung them for some more information on who they are and they wont say ANYTHING...

Thats rather shady....

 

As per other advice... Ignore...

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Thankyou Stigman and dx. Cant get into my noddle account but have emailed them as its sending me link to change password etc then telling me its outdated.....grrrrr

 

So have now got a clearscore account, which is telling me there are no loans or credit cards. There is some other stuff on that I already know about. No mention of these people. Guess I will just see what they

 

do next? request what its for? check date etc?......I wont be chatting to them on phone.

 

Ahhh right ....am going to ignore then. Thanks fkofilee.

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I think you may be right dx.

 

 

I finally got into my noddle account and there is nothing on it for them or provident and no loan or anything.

 

 

I haven't replied to the letter and the calls have now stopped.

 

 

Am guessing they are still investigating the complaint made my email about the calls etc.

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I finally got into my noddle account and there is nothing on it for them or provident and no loan or anything.

 

Does this include if any Searches have been made?

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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  • 2 weeks later...

I received a letter from vanquish regarding me email complaint about them telephoning every day after being told not to.

No security questions were answered.

 

They tell me in this letter replying to the complaint that they cannot uphold my complaint of 'telephone harrassment' as they didn't make excessive calls.

 

My complaint was actually that

1. they continued to ring after being told not to.

 

2. Ringing every day was a pest to me.

 

They also now have sent one letter stating its re a provident debt which I am sure isn't one as the only one I had was in 2001 and to my knowledge was paid.

 

Then another letter stating its about a sky debt.

Again I have no knowledge of this and have an up to date account with sky which my family pay for me to have although its in my name as its at my home.

 

Am tempted to just ignore them as this is stressful now.

The phone calls have stopped but they said they had stopped them whilst looking into my complaint so I don't know whether to expect them again now.

 

Telephone letter/prove it letter if they keep on?

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ah yes the old sky debt spoof.

seen that here before too

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

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