- Joined
- Mar 18, 2012
- Location
- Serbia
Thank you @LadyJelena
No worries, hope to hear from them soon after reaching out
Thank you @LadyJelena
Sorry, for some reason I assumed you had contacts.Hey everybody!
Believe it or not, I don't know anyone from this casino group. Nor I don't know all WHG brands and their reps
But what I will try is to connect with them and see if they want to work with us and help of course
Is there any reason they can't tell him the full card details? Surely it's part of his data so a SAR would provide it.
Regarding it going back to the card. Firstly WHG have a policy where it has to go back to the deposit method don't they? So if they didn't do that there is cause for complaint.
If the account is fully closed, ie a third party have bought the debt, then theres a good chance it will bounce back. If the account is still owned by the card company, but a debt collection agency is managing it, it will come off the debt.
If live chat speak to payments, payments will be able to supply the info.
Not from all WHG brands around unfortunatelySorry, for some reason I assumed you had contacts.
sorry for the hassle lady j
Aceking I am paying it monthly with what I can afford, these are winnings that I attained and were wrongly sent to an account I assumed closed not by me, but by error at Casimba...having used the same card for 12 months+ no way should this have gone there...
Just because someone has debt, it does not mean that they cannot afford to gamble. Any debt management advisor will inform you - you're entitled to use some of your income for leisure. Unsecured debt, such as a credit card, is not a priority bill - the risk is on the lender, and once a plan is agreed, as long as it is stuck to, they will be happy with it.
Unless they sold the debt and then it isn't Vanquis's money. Legally they would have no right to pass it to the DCA.Not when the Op is in a DMP and paying back £10 a month on the thousands they owe.
And a debt manager adviser is just that an adviser.
Vanquish credit cards are for people already sky high in debt. A payment plan was obviously in place.
And they just got 10 years payments out the blue from the OP,s gambling winnings.
Unless they sold the debt and then it isn't Vanquis's money. Legally they would have no right to pass it to the DCA.
So the OP lied when he said Moorcroft are collecting the debt and taking his payments every month?Vanquish are part of the Provident Financial Group and they are still collecting the money owed, under Vanquish
Missed the moorcroft bit.So the OP lied when he said Moorcroft are collecting the debt and taking his payments every month?
Moorcroft buy and manage debts, so it's 50/50, if the OP had a letter of assignment or something it would be easier to work out.Missed the moorcroft bit.
I personally would say Moorcroft have bought the debt/account and the OP still legally owes it.
Now this 1K has turned up linked to that card (which the account for would not of been closed) I still think it's game over
I dont profess to be fully clued up on this, but i would not be surprised if when Moorcroft bought the debt, there was not a clause that any future money that came into that account was passed on to them, as they now legally own the debt. Plus i would expect they will now want the OP,s finances going through again to increase their paymentsUnless they sold the debt and then it isn't Vanquis's money. Legally they would have no right to pass it to the DCA.
I have NEVER seen an arrangement that allows for that.I dont profess to be fully clued up on this, but i would not be surprised if when Moorcroft bought the debt, there was not a clause that any future money that came into that account was passed on to them, as they now legally own the debt. Plus i would expect they will now want the OP,s finances going through again to increase their payments
Not when the Op is in a DMP and paying back £10 a month on the thousands they owe.
Keeping money back for leisure is for family, not for the debtor to chuck weekly into slot machines
Talking of your debt management adviser. What did he say when you told him about your winings?, Which you legally have to?
As your finances had changed and you had 1K to be spread out to your creditors.
Vanquish credit cards are for people already sky high in debt. A payment plan was obviously in place.
And they just got 10 years payments out the blue from the OP,s gambling winnings.
My thoughts exactly, you put it better than meHaving worked in the industry, I can say that the definition of leisure will differ from person to person; if an arrangement has been agreed, it is in place until one/both parties has agreed that it will end, either by a specified date (at which point it may be renegotiated), or by default of payment (at which point it may still be renegotiated.)
If they then proceed to court, it will be for the court to decide if the offer of payment is reasonable, and if the amount they wish to keep back for leisure is unreasonable.
Long gone are the days when a debt collector would be able to tell you that you had to use every spare penny of your disposable income to service unsecured debts. Truth be told, they're encouraged not to, as this advice only leads to people needing to take out further credit to cover "disposable" income.
In this case - Vanquis may choose to keep the money if they still legally own the debt. The OP's quarrel strictly isn't with Vanquis, as the problem is White Hat's - they were instructed to use a specific card, their terms provide that they will, and they didn't do this. While the OP is not strictly out of pocket (his debt is reduced), they have deprived him of those funds against his wishes (and seemingly their policy.)
The ideal outcome here is that White Hat own the error and pay the OP. They can then try to take it up with Vanquis. Or given that (to them) it's a relatively small amount of money, accept he needs to be paid twice and draw a line under the matter.
My thoughts exactly, you put it better than me
If Vanquis have sold the debt, am I right in thinking it can't be offset against it?
They're certainly not as brash as they once were.Debt Collectors are awful people imo, as they by bulks and bulks of debts for very little value and try to threaten the customer with all sorts of letters which would not be enforceable.
I see the OP has posted in Consumeractiongroup also regarding this, they are usualy quite a nice bunch to sort things out with a customer mindset, so if it doesn't work out I hope they can help you out.