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. #101
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    Default Re: LOWELLS Claim Form - old vanquis card debt

    Is there any way I can/will win this? Seems so unlikely and I will likely be too nervous to make sense of it all.


  2. #102

    Default Re: LOWELLS Claim Form - old vanquis card debt

    Pers for 900 id let it run even if you lose youve only got to raise 250 in another month to avoid the ccj being reg'd.

    Or up your f&f to say 650 and thats your lot else i'll take me chance on the day TA

    See what andy says later

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  3. #103

    Default Re: LOWELLS Claim Form - old vanquis card debt

    Try 600.....

    We could do with some help from you

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  4. #104
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    Default Re: LOWELLS Claim Form - old vanquis card debt

    So, I went back and offered 650 on Saturday morning and was told I needed to call back Monday morning as no one was available. Called back this morning and they still rejected it. So I'm due in court at 2pm. Feeling sick.

    All of this is really baffling to me, to be honest. I don't know how to defend myself or what to say or not say. Can anyone give me advice on that? Is there anything I should definitely not say/anything I should?

    Thanks everyone!


  5. #105

    Default Re: LOWELLS Claim Form - old vanquis card debt

    You really have to relax and get this into perspective...why you felling sick ? It really is quite informal...if you win you win..if you lose..at least you gave it go and made them spend more and work harder for their judgment...a claim they never expected you to defend.

    The Judge will direct and ask you points when your turn arrives...you have your initial defence you have your witness statements with the points raised...simply refer to them and let the judge then ask them to explain your points.

    It is important that you raise the matter of trying twice to settle this offering F&FS...even given your current financial circumstances..including today's offer...and tell the court they simply flat refused and were not interested.

    See how the Judge reacts to that.

    Best of luck...if you lose its a 5 a month.....inform the court you are on benefits.


    Regards

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  6. #106
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    Default Re: LOWELLS Claim Form - old vanquis card debt

    Okay, thanks. I know you're right, it's just so unsettling. Thanks for all your help on this and I'll let you know how it goes. Thank you so much


  7. #107

    Default Re: LOWELLS Claim Form - old vanquis card debt

    Do not clam up and say nothing...have your say..only 1 chance.

    We could do with some help from you

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  8. #108
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    Default Re: LOWELLS Claim Form - old vanquis card debt

    One quick question: In my conversation on Thursday with Lowells, I was told "It doesn't matter to us whether it takes you 10 or 20 years to pay this". I recorded the conversation. Should I mention this, that I recorded it and the quote? Thanks


  9. #109

    Default Re: LOWELLS Claim Form - old vanquis card debt

    No thats irrelevant...just what I have advised above.....courts do not like these type of claims...even more so Claimants who are abusing the system to clog up court time and resources. LOwell will most probably be using in house counsel a the hearing...so thats another chance to rack up a little more profit.

    Courts always encourage parties to mediate and try to settle..and do not take kindly to parties refusing to even attempt...even if you lose he will be sympathetic and may dismiss and costs for today or restrict their interest requested.

    If they use a rent a Sol for the hearing he may well approach you before you enter the court room and try to proffer a deal ..unaware that LOwell have already flat refused....if thats the case make your offer again....but no more than 600.

    We could do with some help from you

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  10. #110
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    Default Re: LOWELLS Claim Form - old vanquis card debt

    Hi, how did you get on today? Hope it went well


  11. #111

    Default Re: LOWELLS Claim Form - old vanquis card debt

    No update ? no further questions ?

    Would be nice to have a conclusion...good or bad...only courtesy to the poster's who have advised.

    We could do with some help from you

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  12. #112
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    Default Re: LOWELLS Claim Form - old vanquis card debt

    Hello!

    I thought I'd posted after the court case but it's not here! Really sorry. (

    You were right Andyorch, they did use a rent a Sol who asked to speak with me before the hearing.
    She tried to use the 175 court fees as leverage to get me to sign up to paying 5/month for the rest of my life!

    When I mentioned what the "recovery executive" from Lowell had said
    —that they didn't care if it took me 10 or 20 years to pay this off
    —she asked me to leave the room and made a call to Lowells.
    When I went back in they had a agreed to settle for the 650 I had previously offered.
    So it's settled. Phew!

    I can't tell you how helpful and supportive I have found this group and I can't thank you all enough.

    Andyorch, dx100uk, jon8214, Old Cogger—thank you all so much for helping me through this. You've all been fantastic!

    So sorry my initial reply didn't post. It was a lot more detailed!

    Thanks again everyone x <3


  13. #113
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    Default Re: LOWELLS Claim Form - old vanquis card debt

    Glad you got an outcome that you were happy with

    happy to help


  14. #114

    Default Re: LOWELLS Claim Form - old vanquis card debt

    Thanks for the conclusion Rocky.

    Pleased that you managed to resolve it to your satisfaction and the 650 was in F&FS.

    I take it they have withdrawn the claim and informed the court settlement was agreed?

    Thread title updated.

    Regards

    Andy

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  15. #115
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    Default Re: LOWELLS Claim Form - old vanquis card debt***Settled F&FS***

    Thank you a million thank you


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