I have sent a prove it letter to Lowell recorded delivery for a debt i apparently had with provident, Which was then passed to a company called vanquis bank.

I have no recollection of this debt i have however in the past had provident loans but all are settled and show as settled on credit file.

This one however isn't even on my credit file for me to view.

Im just wondering if someone can advise what sort of response i should accept from lowell as in what information they have to provide.

Waste of time

Send a cca request

Should i wait for a response from the " prove it letter " or send the cca as an additional one? Sorry I'm kinda new to this and don't understand it very well

how long ago does this supposed debt emanate? If you havent acknowledged it for the past 6 years it will be dead in the water anyways. Not being on your credit files suggests that may well be the case

I have no idea to be honest. Suppose i will just await to see how they respond. Thank you.

Vanquis are provident

So you had a vanquis credit card then?

Lowell should have quoted the 16 digit number on the right hand box yes?

I have never had a vanquis credit card. I have had provident in the past but i paid it all. The letter i received was from lowell... it says formal notice of my.outstanding provident credit limit account owned by vanquis bank ltd was sold to lowell. Only a lowell ref number 9 digits

The 16 digit reference is actually on the accompanying letter from vanquis advising me the debt has been sold. It isn't a small debt and im pretty sure i would remember not paying such a large amount of money back.

Go ring vanquis and ask about it

Have you moved in recent times?

Did you utilise mail forwarding?

Yes all mail was forwarded to my address i moved 4 years ago.

So mail after the fwd still went elsewhere

Thinking about ID theft here?

To be completely honest with you there may be a possibility it was my ex husband but of course its difficult to prove.

I work full time and was never home when the mail got delivered it has only been this year a few things have come to light since ive been receiving the mail

. I'm well aware there is nothing i can do if this is the case and id have no choice but to pay being as its in my name.

Id obviously just like to make sure i receive all the relevant information about when and how the money owed came about if that makes sense.

Yes ofcourse

Still no harm in ring vanquis

Wouldnt hurt to sa r them either

Probably an on line sign up too i bet

CCA to Lowell is a must

I will send a cca from the link you provided. but im unsure what a sar is?

Obviously i have never been in this situation

im not even sure what the correct response from any company should be.

Sorry if i sound dumb.

But thanks for all your help.

No thats fine.

Click sar and read it..is the best way..

You are in the info gathering stage

In case they escalate things

But just remember a dca is not a bailiff!!

They have zero legal powers

Thanks very much for your help i really.appreciate it. I understand they arent baliffs but obviously don't want to risk getting a ccj either. My credit file has always been good and wouldn't like anything to effect it if i can help it.

that's why you are sending the CCA request

so they cant get a backdoor CCJ