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Claiming Vanquis ROP


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Hi All

 

Had ROP on a Vanquis credit card between 2007 and 2011 of almost £400. I defaulted in 2011 and the debt was sold to Lowell in 2012 and is still outstanding.

 

Can I claim back the ROP as it is over 6 years old?

 

Can I claim from Vanquis even though the debt has been sold to Lowell?

 

If I can reclaim would Vanquis pay me or or pay Lowell to reduce the balance)?

 

Is there a standard letter to claim?

 

Do I need to calculate interest or will Vanquis do that?

 

Any advice gratefully received.

 

regards

 

Steve

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Nothing harming about putting in a claim and also be aware that ROP has recently been condemned by the FCA -

So chances are your claim will probably succeed if you do send in a complaint about it...

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 11 months later...
Hi All

 

Had ROP on a Vanquis credit card between 2007 and 2011 of almost £400. I defaulted in 2011 and the debt was sold to Lowell in 2012 and is still outstanding.

 

Can I claim back the ROP as it is over 6 years old?

 

Can I claim from Vanquis even though the debt has been sold to Lowell?

 

If I can reclaim would Vanquis pay me or or pay Lowell to reduce the balance)?

 

Is there a standard letter to claim?

 

Do I need to calculate interest or will Vanquis do that?

 

Any advice gratefully received.

 

regards

 

Steve

 

I am in the same boat, refund has gone to lowells even though I agrgued that they owed me it. from 2014.

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start a new thread

of your own please

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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