Vanquis advice

alison999

Ill try to be straight to the point. I havent paid my bill for nearly 2 months and they keep ringing me all the time.

I cannot afford to pay what I owe them, Im not working right now and could probably only pay £10/month.

Has anyone tried to negotiate with vanquis before? what were they like?

mr.ton

If you are not in work then the most you should be paying them is £1 per month - its no more than a court would order anyway after all outgoings are taken into account.
Refuse to answer their security questions if they ring - they'll soon give up.

alison999

I havent answered the phone at all. I think Im just going to pay the £10 at the bank but Im worried about the charges as £10 wont even clear the balance/interest let alone the £12 for going over the limit, £12 for late payment etc

mr.ton

Well thats up to you what you want to pay...but for anyone out of work, in my view, £1 per month is more than appropriate.

alison999

^ thanks. i just dont see where id get paying £1 a month though... surely thats worse than £10? Like i said all teh charges they add on ill end up owing £££££££

Numpty_Monkey

alison999 wrote: »

I havent answered the phone at all. I think Im just going to pay the £10 at the bank but Im worried about the charges as £10 wont even clear the balance/interest let alone the £12 for going over the limit, £12 for late payment etc

Have you explained your situation to vanquis?
Have a look on http://www.nationaldebtline.co.uk/england_wales/debt_advice.php
Section 5, Sample letters
and give one of these a call Non-profit Debt Counsellors' List

mr.ton

I appreciate you wanting to do the right thing...but for anyone who is out of work, i would suggest £1 per month as a token payment - its no more than a court would order anyway.
Its tough enough in work, out of work its even worse when you have to pay bills/outgoings etc...
Its whats best for you - not whats best for Vanquis.
Think you will find the charges will be illegal anyway & can easily be challenged etc..

alison999

Thanks, Ill be writing out a letter tomorrow (by hand I cant pay for ink for my printer lol)

Before, when Ive been behind Ive rang up to pay and the woman on the other end was very snoty and just went into this rant about how i needed to pay double what i actually did have to pay... i can only imagine what they'd be like if i couldnt pay at all *shudder*

mr.ton

alison999 wrote: »

Thanks, Ill be writing out a letter tomorrow (by hand I cant pay for ink for my printer lol)

Before, when Ive been behind Ive rang up to pay and the woman on the other end was very snoty and just went into this rant about how i needed to pay double what i actually did have to pay... i can only imagine what they'd be like if i couldnt pay at all *shudder*

Stop phoning them & refuse to answer security questions if they phone you.
Its the type of treatment that people come to expect from the industry these days - no matter what you offer them, they will always state they want more.
Their greed is the reason their industry is in chaos - yet they dont seem to grasp the simple concept of treating customers with respect & sympathy might actually get them somewhere....
Maybe 1 day they'll learn.....

Numpty_Monkey

DO NOT phone them, that is a big naughty
you pay what you can afford:cool: that goes for every creditor
£1 token payments

mr.ton

Numpty_Monkey wrote: »

DO NOT phone them, that is a big naughty

Unless like me you enjoy phoning them