I have a number of accounts with provident that I stopped paying about 12 months ago. I was an agent for them for a very short time and took a number of loans out myself (stupid I know). I stopped working for them 2 years ago when I was forced to take out a loan due to me loosing the money I collected when I had to take it into the office to show the collections on a weekly basis. I was so upset by this I stopped working for them in my part time position as an agent. I have had numerous calls which I have ignored but have just got a default letter from vanquish fresh start and really don't know what to do next. They say that I owe over £8000 because of the interest that they put on the loan for the money loss. Can anyone please offer me some advice.

Hi I was wondering if anyone can give me any advice on how to proceed with Vanquish Credit Card as I seem to be in over my head at the minute. When the PPI claims first started I wrote to Vanquish saying I thought I was paying PPI and would like it refunded on the basis I was told I had to have it when I took the card out and didn't get an option to decline it. They have denied it is PPI and advised it is a repayment option plan to help me manage my finances should I become unemployed. BUT they would refund my £175.00. On agreement of the refund, my interest rate would increase. I didn't accepted the offer as in the long run I would be paying more money. I then got into financial difficulty and over £400 has been added on in charges over the last 12 months. I have asked for these charges to be removed and am willing to negotiate a repayment option if they send me statements of the account. They advised I would have to pay £5.00 per statement which would cost me over £65.00 they said. Not having that amount of money to spare I had to decline. I then sent off a letter which I thought would get me my signed credit agreement but ended up with me getting copies of the statements with no charge. When I queried where the credit agreement was, they said I had to pay £1 which I did. What they have sent me is a printed out application and a copy of the terms and conditions. None of which have my signature on them. Now I don't know what to do. Knowing how much I have now paid in the repayment option plan, can I deduct that amount and offer them that settlement. Can I proceed and prove this repayment option plan is PPI. Any help however small will be gratefully received and thanks in advance. :|:???:

Had these lovely people send me an application through the post. Never really interested in a credit card but i filled it in anyway. On friday i receeived a text message to phone a number with a reference number. The lady who answered said she was from the applications dept at Vanquish. After confirming a few things she stated the credit card will be with me in 7-10 days. Looking into this now i see that Vanquish (Provident) are a doorstep loan company with very high APR ETC. What are the positive and negatives on using this card. Will it be better i just cut the card in half when i receive it. To be honest i am more than happy with my own bank debit card

I received a letter from MackenzieHall nearly 2-weeks ago in relation to an outstanding debt with Vanquish for £390, I sent them a CCA request and today received a letter back with the £1 postal order saying they cannot carry out my request due to the postal order not having Vanquish's name on it,i left it blank. So they clearly don't have the CCA.. .how would you procede from here? Many Thanks.