Yeah, had seen mention of SAR and was considering that also..... Heard mention of a DRO - though not sure she will meet all the criteria. Only found out about this mess last night so gathering all the info and seeing what the options are.

Cheers for the reply and the link.... I was guessing at the amount really.... was shocked at a minimum monthly repayment of £200. Will know more when I phone her properly about it later.

Hello all, Just a quick (hopefully) explanation of the issue... My mother 91, infirm and not always with it in terms of the modern world, has run up and, I think maxed a Vanquis card. She is living in semi-sheltered housing has no savings, no income (apart from state pension) and according to the email I saw Vanquis are bothering her for a now overdue minimum monthly sum of just over £200. No idea what the actual balance is, am broaching this topic with her over the next few days... but I would guesstimate two thousand just based on the minimum payment they want....(but really I am plucking that figure out the air). Quite how in this era of supposedly responsible lending they have allowed a 91 year old with no income/savings to run up such a debt is beyond me but I am looking into options to get what they are demanding reduced to a level where she can cope.... as it stands she has run up an overdraft of firmer guesstimate, around £2000, by meeting their payments up til now. Will clarify later but I dont believe there are any other cards, store cards, loans etc - just the Vanquis card and the overdraft. The overdraft can probably be dealt with overtime, it is linked to the bank account she has had for years and I imagine would like to keep - but seeking a means to get Vanquis of her back. Are there letter templates, Acts/lending requirements that can be cited to back up getting them to radically reduce what they are demaning? Thanks in advance, for any guidance/pointers.