We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Help with my vanquis card I have paid them for ages...
alison999
Posts: 1,769 Forumite
i posted on here a few weeks ago about my probs with vanquis ringing me all the time. theyre still doing this, i havent paid them for ages, around 2 months. i am not working right now.
i havent answered the phone to them but i want to write to them and offer them only a bit maybe £5-£10 p/month to repay them. im not sure what letter i need to send but im worried that if i pay so little their charges will cancel out what im paying and the interest in 40%+
i know i was stupid for getting the card. i only owe around £300 on it so its not like its £1300 or anything
does anyone know which letter i should send? i want to try and stop the charges and just pay the balance.
i only have 1 other credit card which is barclays and im paying the minimum p/month which is around £11 and im struggling to pay that too. i havent spent on that card for 4+ years but the balance jusst isnt going down.
sorry for rambling i just hope someone can help:o
i havent answered the phone to them but i want to write to them and offer them only a bit maybe £5-£10 p/month to repay them. im not sure what letter i need to send but im worried that if i pay so little their charges will cancel out what im paying and the interest in 40%+
i know i was stupid for getting the card. i only owe around £300 on it so its not like its £1300 or anything
does anyone know which letter i should send? i want to try and stop the charges and just pay the balance.
i only have 1 other credit card which is barclays and im paying the minimum p/month which is around £11 and im struggling to pay that too. i havent spent on that card for 4+ years but the balance jusst isnt going down.
sorry for rambling i just hope someone can help:o
0
Comments
-
Vanquis do hit you with high interest, but atleast charges can only be £12 now.
My advise is pop up an SOA to see if we can help your budget, http://www.makesenseofcards.com/soacalc.html
As to template letters - http://www.nationaldebtline.co.uk/england_wales/debt_advice.php#6Although 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 deficiencies0 -
thank you im going to write to them today.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.5K Banking & Borrowing
- 253.7K Reduce Debt & Boost Income
- 454.5K Spending & Discounts
- 245.5K Work, Benefits & Business
- 601.5K Mortgages, Homes & Bills
- 177.6K Life & Family
- 259.5K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards