HELP! disabled with so much debt

[SA Gold]

Re: HELP! disabled with so much debt

They keep ringing my partners mobile too he gets a bit anxious but I wont let him answer... just wish they would accept the fact they have NOT sent what I asked for.

Still ringing AND leaving messages to ring urgently! I really wanna say where is our bloody paperwork we asked for!!!!

Is it just (just as if one phone isn't bad enough!) the mobile they are calling Jill?
If so, you could either install a blocker application and tell it to drop that number, or save it as a contact so you know to ignore it.
or
You could answer and just fail the security questions.
Personally, i think ignore/drop the call is the better option as they may think you have changed your number after a few days. Be warned they may try and call from another number to see if it is active, so only answer contacts in your phone book.

I know this is frustrating but can only compare it to teething whereby the pain does go away.

Assuming your partner doesn't rely on answer messages, you could always switch it off - even if temporarily.
Personally i don't use them because it allows this type of thing - and other not so other menacing sales calls the medium to increase blood pressure. If i miss a call from someone in my phone book, i call them back. If i don't recognize the number/don't want to - i don't.

[joshing]

Re: HELP! disabled with so much debt

Still ringing AND leaving messages to ring urgently! I really wanna say where is our bloody paperwork we asked for!!!!

[joshing]

Re: HELP! disabled with so much debt

Hang in there Jill. I know its a pain in the neck at the moment. I remember the days of my phone ringing when i had Google Navigator running which was a nuisance as it stopped my directions
They will hopefully get fed up with it soon.

They keep ringing my partners mobile too he gets a bit anxious but I wont let him answer... just wish they would accept the fact they have NOT sent what I asked for.

[SA Gold]

Re: HELP! disabled with so much debt

Impact on behalf of vanquis called again today albeit automated, still no sign of cca..... they must be ignoring our request as they are well past the time.

Hang in there Jill. I know its a pain in the neck at the moment. I remember the days of my phone ringing when i had Google Navigator running which was a nuisance as it stopped my directions
They will hopefully get fed up with it soon.

[joshing]

Re: HELP! disabled with so much debt

Impact on behalf of vanquis called again today albeit automated, still no sign of cca..... they must be ignoring our request as they are well past the time.

[joshing]

Re: HELP! disabled with so much debt

Ok thank you.

[Never-In-Doubt]

Re: HELP! disabled with so much debt

If I answer Is it ok to say iv sent of for cca or just leave it.

If they call and you answer, as soon as they declare where they are calling from you hang up and say nothing else....

[joshing]

Re: HELP! disabled with so much debt

If I answer Is it ok to say iv sent of for cca or just leave it.

[Never-In-Doubt]

Re: HELP! disabled with so much debt

can they really ignore the fact that we have sent cca,s and not received them?

yes

Well they shouldn't - but they do..... just sit tight and await a reply to your requests.

[joshing]

Re: HELP! disabled with so much debt

ok my partner is having calls again, putting the phone down as soon as we realise who it is, can they really ignore the fact that we have sent cca,s and not received them?

[joshing]

Re: HELP! disabled with so much debt

Hi Jilly,
Nothing to worry about in either of those. They can't do anything while they're in default of your CCA requests. I would ignore for now if it was me.
Am I right in thinking Vanquis have not defaulted you and are still charging you interest?
If so then they'll shortly issue a default notice (ignore) then terminate the account, which is good as it should stop the damn interest - which they should have frozen anyway when they became aware of your financial difficulties.

I'm glad you're gaining confidence from the site, it makes such a difference to share the problem and realise you don't have to be afraid of their silly automated threats

Vanquis did freeze interest for 6 months, havent had statement since they passed to impact. Not paid this for 3 months.

[Undercover Elsa]

Re: HELP! disabled with so much debt

Hi Jilly,
Nothing to worry about in either of those. They can't do anything while they're in default of your CCA requests. I would ignore for now if it was me.
Am I right in thinking Vanquis have not defaulted you and are still charging you interest?
If so then they'll shortly issue a default notice (ignore) then terminate the account, which is good as it should stop the damn interest - which they should have frozen anyway when they became aware of your financial difficulties.

I'm glad you're gaining confidence from the site, it makes such a difference to share the problem and realise you don't have to be afraid of their silly automated threats

[joshing]

Re: HELP! disabled with so much debt

It's fine Jilly..anything that shows them up for the incompetent beggars they are is good

When they start pestering about the credit card, they'll be told they haven't complied with the CCA
They'll say "I think you'll find we have, Mrs Debtor"
You'll say "I beg to differ, here's what you sent, daft beggars"
etc...

Thank you thats cleared up my worries thank you Elsa. received 2 more letters today regarding capital one & vanquis,( partners) had no cca,s yet. Next move please? Funny how just logging on here when you get a letter makes you feel soooooo much better.

[Undercover Elsa]

Re: HELP! disabled with so much debt

It's fine Jilly..anything that shows them up for the incompetent beggars they are is good

When they start pestering about the credit card, they'll be told they haven't complied with the CCA
They'll say "I think you'll find we have, Mrs Debtor"
You'll say "I beg to differ, here's what you sent, daft beggars"
etc...

[MrsD]

Re: HELP! disabled with so much debt

doubt it, since they don't appear to know sometimes