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please help , vanquis probs .

girl_in_need
girl_in_need Posts: 213 Forumite
in Debt-free wannabe
hi all
I worder if anyone can help me , I'm unemployed , and I'm having some trouble with vanquis (as I have a card with them)
I've just got off the phone with them , and they are telling me that I need to pay up today or else they will pass me on to a debt recovery comany
:(. I've said to them that I'm unempolyed and that I can't pay them today cos I have no money untill the 17th of decemeber (thats when I get payed , cos I'm on J.S.A) I don't know what I can do , cos this is really stressing me out . please can someone help.
thanks .
don't be a hypocrite all your life. God is watching YOU

Comments

  • lolly_896
    lolly_896 Posts: 1,058 Forumite
    The long and short is, if you havent got it they can't have it. If you are really struggling to pay then maybe it will be better with a DCA as you can then arrange a payment plan with them according to your SOA. I guess your Credit file will be blemished by this though

    Good Luck x
    DFW Nerd #awaiting number - Proud to be dealing with my debts!

    Dont cry because it's over, smile because it happened.

    Sealed Pot Challenge #781
  • DarkConvict
    DarkConvict Posts: 6,338 Forumite
    1,000 Posts Combo Breaker
    Vanquis will probably use there own inhouse debt collection team, i've seen it happen to a friend for a £2500 card with them before.

    At the end of the day, you have to state you do not have enough income to pay, and that under OFT guidelines (read it) they should not demand you to pay more than you can afford or suggust borrowing further to pay off the debt.
    If you are struggling to cope, i strongly advise you ring national debtline asap. They offer free professional support for all types of debt and can point you in the right direction.
    Although no trees were harmed during the creation of this post, a large number of electrons were greatly inconvenienced.

    There are two ways of constructing a software design: One way is to make it so simple that there are obviously no deficiencies, and the other way is to make it so complicated that there are no obvious deficiencies
  • CCCS_Sarah
    CCCS_Sarah Posts: 1,555 Organisation Representative
    girl_in_need wrote: »
    hi all
    I worder if anyone can help me , I'm unemployed , and I'm having some trouble with vanquis (as I have a card with them)
    I've just got off the phone with them , and they are telling me that I need to pay up today or else they will pass me on to a debt recovery comany
    :(. I've said to them that I'm unempolyed and that I can't pay them today cos I have no money untill the 17th of decemeber (thats when I get payed , cos I'm on J.S.A) I don't know what I can do , cos this is really stressing me out . please can someone help.
    thanks .

    Hello,

    This is usual collections tactics, there are certain things that the creditors can and cant do. I have attached a link to the CCCS website that explains the collection process in detail for you.

    https://www.cccs.co.uk/InfoCentre/EnglandandWales/Creditoraction/Debtcollectionprocess.asp

    Have a read through and if you have any questions, please feel free to ask.

    Sarah
    I am a Debt Counsellor that works for the CCCS and have specific permission from Martin, to post on these boards to try and help those in debt. Read more information on the CCCS and what it does in the Debt Problems: What to do and where to get help article.

    CCCS is a registered charity, and there is no charge whatsoever for any of the services we provide to our clients. We take great pride in offering first class help and advice, but we only offer this where we have been able to fully explore and understand your circumstances with you. We want to help you understand these choices and their possible implications but not make them for you.
  • bikerboi87
    bikerboi87 Posts: 87 Forumite
    CCCS_Sarah wrote: »
    Hello,

    This is usual collections tactics, there are certain things that the creditors can and cant do. I have attached a link to the CCCS website that explains the collection process in detail for you.

    https://www.cccs.co.uk/InfoCentre/EnglandandWales/Creditoraction/Debtcollectionprocess.asp

    Have a read through and if you have any questions, please feel free to ask.

    Sarah

    Come up as 404 page not found
    Left to Pay/Originally Owed
    MCS (HSBC) £735.48/£1645.48     - Robinson Way (HFC) £1194.83/£1586.83 - Capquest (CitiCard) £0/£1609.18 - Moorcroft (O2) £0/£326.62 - Magistrates Courts £0/£415
  • DarkConvict
    DarkConvict Posts: 6,338 Forumite
    1,000 Posts Combo Breaker
    Here is the working link - https: //www.cccs.co.uk/InfoCentre/EnglandandWales/Creditoraction/Debtcollectionprocess.aspx
    Although no trees were harmed during the creation of this post, a large number of electrons were greatly inconvenienced.

    There are two ways of constructing a software design: One way is to make it so simple that there are obviously no deficiencies, and the other way is to make it so complicated that there are no obvious deficiencies
  • Deep_In_Debt
    Deep_In_Debt Posts: 8,579 Forumite
    Part of the Furniture 1,000 Posts Photogenic Mortgage-free Glee!
    Passing the debt on to debt collections is not always a bad thing. Debt collection agencies (DCA) or in house collectors do tend to accept lower payments and freeze interest.

    As others have said, if you don't have it, they can't have it.

    Don't answer the phone to them.

    Work out what you can realistically afford to pay even if it is only £1.00pm and pay that. Send them your income and expenditure so that they can see they are getting all you can afford.

    National Debtline website has some good info and template letters you can use and I&E info to send to your creditors.

    I know it's easy to say, but try not to worry. Most of us have been through what you are going through and have survived and become stronger. Be strong and ride the storm for a while and it will get better.

    Good luck and keep posting.
    Debt 30k in 2008.:eek::o Cleared all my debt in 2013 and loving being debt free :)
    Mortgage free since 2014 :)
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