Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #81
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    Default Re: LOWELLS Claim Form - old vanquis card debt

    I certainly don't own a property! Not even a job right now I will uploadicon, just taking time.

    Thank you all again.


  2. #82
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    Default Re: LOWELLS Claim Form - old vanquis card debt

    Oh dear ...bet they wished they had accepted your offer now

    We could do with some help from you

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  3. #83
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    Default Re: LOWELLS Claim Form - old vanquis card debt

    Hi again, ai've uploaded the redacted exhibits. Thank you.

    Attached Files

  4. #84
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    Default Re: LOWELLS Claim Form - old vanquis card debt

    so wheres the agreement and all the T&C's?


    that WS is a bit waffly and repetitive and does really say anything concrete

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  5. #85
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    Default Re: LOWELLS Claim Form - old vanquis card debt

    Good morning

    I didn't uploadicon the Digital Signature Application details or the many pages of Pre-Contract Credit Information (T&Cs) as I thought they would just be standard. Nowhere have I signed anything on these pages
    . Also, I left out the pages and pages of transactions which are Exhibit PR3.

    How shall I handle this court hearing?
    Is there anything I should refrain from saying, anything I should point out.

    For example: should I point out that despite being unemployed with no savings or assets (I do have a 12 year-old Toyota) that I tried to settle before the court date?

    That Lowells where late filing, as Jon8214 mentioned.
    The conversation I had in which the Legal Recoveries Associate said that it didn't matter to Lowells whether it took 10 or 20 years for me to pay the amount under a Tomlin Order rather than settle before court.

    That there is no actual documentation with my signature on it. Etc.

    Any tips? And what do you think my chances are?

    Thanks

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  6. #86
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    Default Re: LOWELLS Claim Form - old vanquis card debt

    we need to see the T&C's as that's what they usually cut and paste the only things we don't need are the statements


  7. #87
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    Default Re: LOWELLS Claim Form - old vanquis card debt

    Ah, right. Okay. I'll uploadicon the rest. Thanks Jon8214


  8. #88
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    Default Re: LOWELLS Claim Form - old vanquis card debt

    Here you go! Thanks for your help

    Attached Files

  9. #89
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    Default Re: LOWELLS Claim Form - old vanquis card debt

    my first thought is that is an unexecuted agreement which in my mind means it was provided before the CC was taken out and doesn't have the proscribed terms

    Andy and DX will be along later to confirm


  10. #90
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    Default Re: LOWELLS Claim Form - old vanquis card debt

    Quote Originally Posted by jon8214 View Post
    my first thought is that is an unexecuted agreement which in my mind means it was provided before the CC was taken out and doesn't have the proscribed terms

    Andy and DX will be along later to confirm
    this is an on line application "X" taken out 2009,//// ???? correct???? - and serves

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  11. #91
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    Default Re: LOWELLS Claim Form - old vanquis card debt

    Thank you Jon8214. I'm not sure what that means Old Cogger. So no one thinks I should go back to Lowells and try and up the offer?


  12. #92
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    Default Re: LOWELLS Claim Form - old vanquis card debt

    Could this end with me losing my old but useful car or having bailiffs sent round? O.o


  13. #93
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    Default Re: LOWELLS Claim Form - old vanquis card debt

    Quote Originally Posted by Old Cogger View Post
    this is an on line application "X" taken out 2009,//// ???? correct???? - and serves

    Means on line sign up using "X" not a signature which is legal acceptance of agreement taken out after 2007/8!

    so previous poster comment about not an application form, is relating to old wet signature application form prior tp 2207/8 to on line ones .

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  14. #94
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    Default Re: LOWELLS Claim Form - old vanquis card debt

    Thanks for explaining Old Cogger


  15. #95
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    Default Re: LOWELLS Claim Form - old vanquis card debt

    So no one thinks I should call Lowells again and up the offer? Could this end with me losing my old but useful car or having bailiffs sent round? O.o


  16. #96
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    Default Re: LOWELLS Claim Form - old vanquis card debt

    any old car would not be taken away = no value ???

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  17. #97
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    Default Re: LOWELLS Claim Form - old vanquis card debt

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  18. #98
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    Default Re: LOWELLS Claim Form - old vanquis card debt

    Quote Originally Posted by rockystar View Post
    Could this end with me losing my old but useful car or having bailiffs sent round? O.o
    only if you lose and don't set up payment plan with in 28days

    cant see that happening!!

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  19. #99
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    Default

    Thanks dx100uk
    Very specifically,
    do you think it's worth calling Lowells again with a higher offer?

    As mentioned previously,
    I have scraped together 700 in total to try and settle
    but when they refused the offer of 450 and didn't try to negotiate, I left it.
    Thanks

    On their correspondence, they say their offices are open to 8pm on Friday and between 8am-2pm on Saturday.


  20. #100
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    Default Re: LOWELLS Claim Form - old vanquis card debt

    Pers i never recommend ever paying the fleecers an f&f
    With your financial situation i expect you could get away with 5-10pcm if you lose
    Is a ccj going to harm your future plans i.e mortgageicon if within 6yrs?
    If you need to avoid one then f&f or go tomlin

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