I had a letter come through the door a few weeks ago from Lucas Credit Services,

stating that they were acting on behalf on Lowells.

In the envelope was a letter from Lowells saying Lucas were sorting the debt for them, and i had 7 days to reply

Before the 7 days was up i had Lucas emailing me "if you don't reply to us, we will continue to correspond to you via email".

I had no more letters but 3 emails.

Up until now, i've not heard anything about this debt since 2011.

It seems as though they are trying to get a rise out of me.

Do i correspond to them via email?

At the moment, i set it to go into my junk folder, i did debate blocking them.

History:

Its a Vanquis credit card taken out in 2010 of around £400ish.

I tried to pay them multiple ways:

went into bank and was refused,

rang up and they kept disconnecting me.

with that, i didn't bother to pay

I then came into financial difficulties,

i'd gone beyond the point of no return.

It was defaulted in 2011, and no payment was ever made on the account.

Its no up to £600 odd, and i know most of that is charges.

Whats your guys take on this?

Ignore!

They continue to email. Most recent email:

Dear Sir or Madam

Your OVERDUE DEBT of £600.00 owing on your Vanquis account remains outstanding despite having asked you for payment on several occasions.

We now require you to contact this office immediately to confirm one of the following: -

1. You will be making payment of the full amount due immediately

2. You will be making payment of the full amount due within 30 days

3. You are unable to pay the debt in full and wish to negotiate a repayment arrangement

4. You will not be making payment of the debt and provide details of the reason why together with documentary evidence

Our records show that you have been given several opportunities to make payment and you have chosen not to. This matter must now be resolved and we urge you to contact us on 01274 957060 within the next 5 days to confirm how you intend to bring this matter to a conclusion.

silly beggars.

http://www.consumeractiongroup.co.uk/forum/showthread.php?426088-Vanquis-debt-collected-by-Lucas-credit-services&highlight=lucas

Start the ball rolling with this send blank £1-00 postal order but get proof of postage.

They then have just 12 + 2 days to send you the agreement + all T&C's .

Then comeback to update the thread.

In the meantime ignore the silly emails

Ive been having Lowell send me letters a week before xmas 2015 and they've been coming in every 2 weeks now on the dot.

They are for a credit card i took out with Vanquis back in 2011. Circumstances changed and i couldn't pay it. Hey ho, i shouldn't of took it out in the first place. Younger and stupider me strikes again.

I'm not in a position to pay it back and Lowell are chasing me for 3 other debts (have threads for these).

The letters just consist of: we want to help you, and i recall a discount being offered a few weeks back.

What to do? Ignore or respond?

Ignore... Sent Vanquis a CCA request to find out why the discount. Probably full of fees too, Then you have the ROP issue (their PPI)

Ignore... Sent Vanquis a CCA request to find out why the discount. Probably full of fees too, Then you have the ROP issue (their PPI)

Lowell now owns it, its "Lowell" on my credit report.

CCA lowell, SAR vanquis depending on what lowell returns.

CCA lowell, SAR vanquis depending on what lowell returns.

Think this is the 4th letter that they've sent me. So i shouldn't ignore it no further, but CCA them?

You have 3 choices.

Ignore.

Send a prove it letter.

CCA them.

You have 3 choices.

 

Ignore.

Send a prove it letter.

CCA them.

I ignored one CC with Lowells and i ended up with a claim pack.

The CC didn't even have one payment made to it IIRC.

I had planned to ignore it til the letters started getting a bit more serious, but figured you guys have more experience and would know better than me

Well, its your choice, but those are the 3 options to you right now.

Well, its your choice, but those are the 3 options to you right now.

I'm feeling the prove it letter is most applicable as no payment was ever made IIRC.

You have 3 choices.

 

Ignore.

Send a prove it letter.

CCA them.

There is anther option of course, arrange to repay the loan.

There is anther option of course, arrange to repay the loan.

We are struggling to pay our everyday bills as it is.

We are struggling to pay our everyday bills as it is.

OK.

I take it you have other debts ? have you considered a DMP, if you do not have the funds they will negotiate a token payment with the creditor.

We are struggling to pay our everyday bills as it is.

Absolutely ...you must meet your priority debt payments first...this will hold...send a CCA request in the first instance...watch how their attitude and approach changes.

Regards

Andy

There is anther option of course, arrange to repay the loan.

If the debt is actually legit and legally enforceable. Very few vanquis debts are when sold

couple of old threads on the same debt merged.

might be best to revisit what you have done from day one by reading this merged thread now

please keep to one thread per debt

saves people duplicating advise and wasting their time

dx

Well its some time since I posted on this thread way back in '14. So you are back again asking what to do and the advice is the same. Send the CCA off and see what they come back with. Its obviously full of charges..

Do the CCA's work yes they do and recommended, firstly to see if it is enforceable. As I said way back, I had the same issue as you and followed the advice the result was debt cleared.... Vanquish has Vanished... Never to return... ROP reclaimed fees reclaimed F&F settled at less than I would have expected. I was less well informed back then but now its water of a ducks back The advice has been given so take it or leave it....

Time to read the Conc rules again or just read them for the first time even.... Also I have a success story in that section too on more than one occasion... It works...

Off topic posts removed..thread tidied.

Regards

Andy

Well its some time since I posted on this thread way back in '14. So you are back again asking what to do and the advice is the same. Send the CCA off and see what they come back with. Its obviously full of charges..

 

 

Do the CCA's work yes they do and recommended, firstly to see if it is enforceable. As I said way back, I had the same issue as you and followed the advice the result was debt cleared.... Vanquish has Vanished... Never to return... ROP reclaimed fees reclaimed F&F settled at less than I would have expected. I was less well informed back then but now its water of a ducks back The advice has been given so take it or leave it....

 

 

Time to read the Conc rules again or just read them for the first time even.... Also I have a success story in that section too on more than one occasion... It works...

Section 78 requests have nothing to do with unenforceability they are about asking for information only.

On a 2011 agreement it is very unlikely that there will be any problem for them to send a copy anyway as they are computer generated.

As we know the unenforceability option on copy requests is only temporary and lasts only as long as it take for them to supply a copy, to do this the creditor does not even have to have sight of the original document he can just make one up out of contemporary data.

I am not aware of any court case which has resulted in an agreement being deemed permanently unenforceable due to a section 78 request.(nor could there be)

Should add that conc has nothing to do with unenforceabiity

Just for the sake of clarity.

Dodge while I agree with you about S78 last year lowells closed my vanquis account and wrote off 1300. I can only think it was because no DN had been issued. Well they did but it was a pile if cobblers.

Dodge while I agree with you about S78 last year lowells closed my vanquis account and wrote off 1300. I can only think it was because no DN had been issued. Well they did but it was a pile if cobblers.

Hi Fletch without wanting to interfere with this thread any further, we both know that creditors and DCAs do not pursue for a variety of reasons.

I dont know the details of your case but it can be becasue they wish to curtail a certain block of accounts and reconcile their books write off liabilities etc.

It could be that the debtor is being particularly awkward and it looking likely that they are going to have to employ legal counsel on an account which even if won would not be recoverable, or any number of other reasons.

I think I agree that the default notice issue has taken over form the copy requirements in being the most likely one to succeed, although it is still vanishingly unlikely, if push comes to shove.