Vanquis

andyf1980

Sorry if this has been posted before but I searched the br forum and couldn't find the answer.

I was br last month. The only creditor that is hounding me daily is Vanquis. I have given them all the details of my br several times now but they just keep asking me when I am going to pay the arrears.

I have told them to talk to the OR but they still keep calling. I'm changing my email/mobile but guess they still won't give up.

What's the best thing to do?

immoral_angeluk

Send in a formal complaint, if they don't stop then report them to the OFT for breaking debt collection guidelines.

Falze

Vanquis were on mine and Mrs F's creditors list and we didn't hear a peep out of them after the dust settled.

It probabley will die down, but fire of a letter to be safe.

now

andyf1980 wrote: »

Sorry if this has been posted before but I searched the br forum and couldn't find the answer.

I was br last month. The only creditor that is hounding me daily is Vanquis. I have given them all the details of my br several times now but they just keep asking me when I am going to pay the arrears.

I have told them to talk to the OR but they still keep calling. I'm changing my email/mobile but guess they still won't give up.

What's the best thing to do?

If they phone you again, ask the person who is calling for their name, and if the call is being recorded, say good and then quote the time and date to them and then "you are breaking the law you have already been told that I am BR and been refereed to the ORs office, I am now going to tell you for the last time that this is harassment" " I have your name and telephone number so I am going to put down the phone and report it as such, please remove my [hone number from your database goodbye" Or put the hand set down and leave them hanging on whilst you hoover the carpet. They are noy allowed to contact you good luck and don't be bullied

andyf1980

Thanks everyone. :j

JCS1

The OR has a target of 8 weeks to send out their report to creditors, so they might not have received anything official yet.

But that's no excuse for them - they could easily check the register on-line.

andyf1980

They called me again today. Idiots. I'm just going to send them a copy of my br petition to get them off my back. My other creditors have sent default notices saying they have been advise by the OR so I think they must just be muppets! Rant over....

Tupperware_Queen

Im having same probs with RBS and Santander. They rang me at work yesterday, don't know where they got the number from, but if they keep ringing I'll get in trouble with work

tigerfeet2006

Send them this letter, recorded delivery. Should help a bit.

Your Address

Date:

Creditor's Name
Address.

NOTICE: Pursuit of a debt included in a bankruptcy. Do not ignore this letter. You must cease collection activity IMMEDIATELY.

Dear Sir/Madam

Account No: *****************

You have contacted us regarding the account with the above reference number, which you claim is owed by ourselves.

I would point out that the account was included in my bankruptcy which commenced on <date>.

Consequently, the debt in question is no longer my legal responsibility.

ALL contacts and claims regarding the debt MUST be addressed to the Official Receiver's Office dealing with the case.

My case was XXX of 200X, at <somewhere> County Court, and the address of the Official Receiver is below.

<Address of the OR.>

A copy of the bankruptcy order is enclosed for your convenience.

Please note that the Official Receiver has requested that all future contact from your company regarding these accounts is reported and forwarded to themselves, and that continued contact with myself may result in Official Receiver taking enforcement actions against your organisation.

Please also note that we are familiar with the ‘Office of Fair Trading Debt Collection Guidance’ which states that it is unfair to send demands for payment to an individual when the debt is not due.

In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

Furthermore, ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

In addition, your continued telephone calls are in breach of the Office of Fair Trading guidelines. If you continue with them after the receipt of this letter an official complaint, together with a log recording the times and frequency of the calls will be passed both to that office and to the Trading Standards office.

This type of debt collection method is contrary to the ‘Administration of Justice Act 1970’ in that it is intended to cause alarm and distress to the recipient. Your methods will not be tolerated. A formal complaint will be submitted to the relevant authorities. This will be relevant to questions of your fitness to hold a licence under the Consumer Credit Act, whether or not it results in a prosecution.

Take further note that continued telephone calls after the receipt of a request not to call may constitute a criminal offence under Section 127 of the Communications Act 2003.

We await your written confirmation that this matter is now closed.

We look forward to your reply.

Yours faithfully



A N Other


With thanks to the lovely Fermi for coming up with this.

philnicandamy

and sadly they'll still ignore it....used a similar thing a few months ago for a couple of clients having trouble with vanquis....they seem to think they're above the law


BUT if you do try the letter DO NOT sign it just stick your name (digitally) at the bottom..

alastairq

'm just going to send them a copy of my br petition to get them off my back

You are not under any sort of obligation to carry out such action....I advise not to.

Once they are notified by your OR, they have zero excuse.

Until then, since you are now fire-proof, debt-wise, either ignore them, or wind them up, as the mood strikes.


I found [on the very few calls I had] that to simply tell the operator ,when asked for money, that you have absolutely no intention of ever paying a sausage on this debt, and they can rant and rave all they like, threaten all they like, they will get nothing....really winds them up.

Maybe they'll even commence court proceedings?

I would not discourage them!...[teach them not to do their homework before making threats?}

Otherwise, simply ignore, hang up, and forward any letters to the OR.