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Baz1994

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  1. Many thanks again as always DX. I will proceed with Statute Barred letter to DCA first and take from there.
  2. Cheers dx. Did you say Statute Barred letter in Library? I have not changed my address for nearly 24 years. My concern is Barclaycard may have refunded some small charges (not at my request) within 6 years ago but not recently. My debt balance slightly less than I thought. No previous PPI on the account. Sorry but trying to rake my brain at the moment before the best course of action.
  3. Ok many thanks again both of you and will keep you posted. May opt for the prove it / CCA letter first to the DCA as unsure exactly when last payment made.
  4. thanks Andy. send Prove the debt letter / CCA request to Lowells from this site? Or GDPR? Or do nothing?
  5. I received a letter from Lowell in April 2023 telling me that they acquired Hoist Finance and included information of a notice of assignment for my Credit Card debt. They have been continuously sending letters regarding arranging a repayment plan in which I have ignored. In April 2020 previously received a letter from Robinson Way in which I responded with I have no knowledge of debt letter etc and received no reply. My problem is I cannot remember when the account defaulted but vaguely remember it was around 2016 so possibly statute barred. There is nothing showing on my Credit File for this debt in which is strange. My question is if I reply with a No Knowledge of Debt letter or CCA request to the DCA, does this start the 6 year period ticking again? Any advice would be appreciated.
  6. Hi Baz, do you have contact details for Skye Loans? 

    I have an issue with them and don't have any phone number or email address. 

     

    Thanks

    James 

  7. Thanks dx Will give it another go tomorrow Also what spreadsheet is it regarding charges on a credit card? Trying to find link
  8. Well I tried dx but does not seem to beAdobe Scan 30 May 2022 (7).pdfworking. I will give another try later with any other details part of the GDPR and leave these here for now. . In the meantime please see attached Notice of Default details in which I do not remember receiving and rather a bad copy they have sent. Also the 1st and last pages of credit card agreement attached where my name was printed on 21/11/13. I cannot find anything further relating to what APR% was applied as looking at the agreement details there are various? Many thanks again and will have to brush up on my IT skills.Adobe Scan 30 May 2022 (6).pdf Adobe Scan 30 May 2022 (4).pdf Adobe Scan 30 May 2022 (8).pdf
  9. And here are copies of the digital agreement from Vanquis. Apologies for the quality, I am trying thanks.Adobe Scan 30 May 2022 (1) (1).pdfAdobe Scan 30 May 2022 (2) (1).pdf
  10. Cheers again dx. I will attempt to upload some of the info from Vanquis re my SAR in a minute. Still no reply regarding my original request for monthly statements.
  11. Sorry for delay but had family things all weekend. Anyway will try and upload details again via Scanner if can fix it but managed to do something via my mobile. In the meantime I today (30th May, 2022) received the attached from Lowell (dated 20th May 2022) in response to my CCA Request to the DCA on 17th May, 2022. Is it 12 days plus 1 for them to respond accordingly? Adobe Scan 30 May 2022.pdf
  12. Thank-you both for your time and comments. I will try and scan / redact details tomorrow as got to go to work soon. Having trouble with scanner at moment but if ok quite happy to DM details if need be. Dx - Yeah regarding statements I thought that was normal to supply everything as per Subject Access Request? Should I go back to Vanquis to state this?
  13. Just an update. CCA sent to Lowell's 17th May 2022 with £1 postal order - Still awaiting reply. Today I have received a reply from Vanquis in respect of my GDPR / SAR . Request for statements declined unless I pay £5 for each? They have sent a printed copy of account statement but I wanted to check for charges on the account. They also declined request for telephone conversation details apart from supplying some notes. They have also sent the following: 1) 2 screen pages of a Digital Signature Application under my old account number (no signature). 2) Detailed copy of transactions which include various billed finance and deferred charges. 3)Telephone file notes but majority I do not remember receiving and seems that they were contacting an incorrect number? These include limit increases that went from £1,000 to £3,000 4)Customer Notes & key to Abbreviations 5) Various copies of letters (not letter headed) in which majority I never received 6) A bad copy of Notice of Default dated 22nd September, 2017 with a photocopy of terms & conditions / Credit Card Agreement details with my printed name next to Signed by? also dated 21st November 2013. Again I cannot remember or locate receiving the original. Is there anything else I should have received and is that correct regarding full statements? I cannot find anything regarding APR being paid on the account or whether it has increased from date of purchase? Just a recap account appears as defaulted 30/01/18 on my Credit File. Notice of default letter dated 22/9/17 Notice of Sums in Arrears letter dated 15/11/17. Account number was changed in November 2014 due to what looks like fraud on the account but no letter details enclosed explaining this? Any further comments would be appreciated as to what to do next. And should APR % be shown on statements? All I can find on a couple of old ones is only monthly %? Should I also receive Annual Statements? No details amongst SAR. Thanks again.
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