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Vanquis default query
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Debtfreestudentnurse wrote: »I’ve had no correspondence for years. I wasn’t even informed of the default. I don’t really want to partially settle as I’m trying to get my credit report on track.
Have you moved at all in recent years ?
Dont be surprised if vanquis cannot locate your account, sounds to me like they have put it on the back burner for some reason, either that, or its been sold on and no one has done anything with it yet.
Go ahead and write to them about the default date, that issue wants clearing up before you start to offer them money, otherwise they will have no incentive to change the date for you.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
No, I’ve been in my home for over 7 years. I will hold off paying until I can get it resolved.0
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