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    • Hi. Could you post up what they've sent please so we can see what the charge is? Cover up your name and address and their reference number. HB
    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
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Vanquis card, Can I obtain my data via SAR without the original account number


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Hi,

I opened a credit card account with vanquis in September 2005 and stopped paying them around early 2008 as they were hammering me with charges and i'd pay them what they asked for and the next month there'd be another charge.

 

Obviously they must have defaulted the account and sold it on to lowell.

I've only recently been checking my credit file and noticed that the default date for the account is september 2013.

The cynic In me feels that lowell.s may have done a bit of sleight of hand with the default date as I doubt vanquis would have waited over 5 years to put the account in default.

 

I no longer have the account details for this, so is there a way I can Sar them without the account number and will this reveal the correct default date or would I need to request that seperately?

Edited by dx100uk
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Rang vanquis today,

after much huffing and puffing and asking to speak to someone further up the food chain I managed to get my account number.

 

I cheekily asked if they could tell me the default date on the account but was told the office that deals with that was closed (bank holiday) but if i call back tomorrow they may be able to tell me.

 

I will send a sar anyway, if memory serves i'm positive the outstanding balance was made up of charges and interest accrued on said charges.

Will the sar give details of the default date or do I need to ask for it?

 

For anyone else contacting vanquis, I found it impossible to speak to someone via their automated service until I pressed 1 to report a card lost or stolen.

Edited by dx100uk
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Lowell cant default any debt

only the OC can

and that would have been Vanquis before the sale.

 

now IF they've left it several years to do that

and IF you can do anything about that is debatable.

 

the ICO changed their guidelines in 2013/4 about defaults should be within 3-6mts from the 3rd missed payment

so for 2008 you should be ok to demand vanquish place the default at the correct date.

 

get the sar running

id wait till after GDPR comes in on the 25th of may then its free !!

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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