Vanquis Credit Card

[HertsTog]

One of my creditors pointed me at CCCS (the debt charity), they went through my income (JSA) and outgoings which shows I have effectively no money for much except for food, Gas & Electricity.

 

CCCS have suggested that I send a standard letter (plus financial budget statement & list of creditors) to each creditor including Vanquis offering them a token payment of (say) £1 a month and asking that the interest be frozen etc until my financial situation improves

 

Should I be sending those "token payment" letters to each creditor and the same time as a CCA (which I understand helps to establish if the loan/debt is enforceable) or should it be one or the other ?

 

Thanks

HT

[maroondevo52]

Hi,

 

How old is the card and whats the score with it at the moment.

[HertsTog]

It's about 5/6 years old and I'm a couple of months behind with making any payments - at the stage where they are giving me lots of calls (that I don't answer of course) and bi-weekly lettters

[maroondevo52]

So still with the Origional Creditor, have a look at Sequenci's blogs...........

 

http://www.consumeractiongroup.co.uk/forum/member.php?21294-sequenci

[HertsTog]

Thanks, Yes no mention of DCA at the moment

[HertsTog]

Will get reading