Vanquis Credit Card Account Number debt issue

[Tommy666 1]

Hi Folks it's my first email post so be gentle with your comments please,

 

The problem I have is that I signed up for a credit card a few years ago (2015)

I was issued with a credit card and received my bills on line, my monthly bill was paid

 

then in March 2017 I agreed to pay less than usual which took me up to June 2017 and after that I have never paid another penny,

 

the current status is £2300 but when my life changed in March 2017 I did inform them of my situation and my limit went down to £2100 from the £2500.

 

Now the main problem I have is that

 

I applied over the phone for the card

(so I was never asked for a wet ink signature.

 

The digital signature contract has what states my account number 16 digits ,

on the paperwork I requested Regards a copy of full accounts,

they have the account number as a 19 digit pan.number which is the same number they have as my account is entered in all credit reference agencies .

 

As well as this they also have another account stating Requested Account Number which is a different number entirely and 16 digits long.

 

What I would like to know is where do I legally stand with regards to the whole situation,

this is only for 1 account and I have made the company Aware on various occasions

[dx100uk 8,659]

online is quite enforceable

stop reading Freemen of the land stuff.

 

whose the card with

and when did you take it out please

[Tommy666 1]

Hi dx no freeman of the land stuff here, it was vanquis in 2015

[dx100uk 8,659]

good

moved to the provi forum.

 

you wont escape this debt by trying a card number issue

it is post 2007 online sign up. re CCA 2007 amendments

 

tell us more about your financial situation

[Tommy666 1]

Hi dx,

I have current situation is

I am not working and barely make it by on a week to week basis,

 

there is not a lot of spare money about and I'm maybe talking £20-30 per month.

 

What's your opinion???

[dx100uk 8,659]

then offer them say £10PCM if the agree to freeze all charge and interest

theres a suitable letter in the debt collection section of our library.