Hi..

Sent a SAR request last week to Lowell for a Vanquis CC debt and Halifax loan .

Got a letter back today to say they have received and sending all paperwork from when they purchased the debts but if I require anything before that i need to SAR the OC.

Surely as the supposed owner of the debt they should contact the OC or have all original paperwork such as statements etc sent to them once purchased ..or do I indeed have to contact OC ?

Wanted to check before I send a curt reply letter back to Lowell

Yep they're correct, you only ever SAR the OC, CCA's go to powerless DCA's.

Waste of a tenner unfortunately.

never mind I can still see what Lowell have on myself

It'll only be correspondence they've sent you, and anything you've sent them, they hold nothing else.

Ignore Lowlifes from now on and deal direct with Vanquis, & Halifax what's the story??

Vanquis card , missed payments due to loss of job , lots of chargers and fees.

..would not accept payment plan ,

finally closed and sold to Lowell.

I think last time I used the account would be around 2012 ish

Same with Halifax chargers and fees , honouring DD's with no money in account finally ramped up to around £3k and then sold on to a DCA..

.I also have another Halifax account with Lowell which is currently in court process but that's in another thread..

Halifax are currently sending me statements in relation to all the above as there were two Halifax accounts I had both with excessive overdraft fees...

I don't believe Vanquis will even hold any details anymore on this closed account

SAR Vanquis. They have to retain all of the data regarding accounts for six years AFTER they close the act.

SAR Halifax re the account, was this an agreed overdraft?

Reclaim ALL of the fees/charges and interest at their rate.

was it sold on?

did you get an official notification assignemnt of the debt or just a letter saying Lowlifes are now dealing with it.

Have Lowlifes being sending you annual statements?

if not then I would bet that they dont actually own it.

AS said, if you want details of the account then Lowels will never have this and they wouldnt be entitled to see them even if they wanted to under data protection law

Yes sold on, no notice of assignment just letter from Lowells to say we have this debt you owe us etc etc..

Last paperwork from Vanquis was years back I would say 2012/13 possibly...

I think I may have sent them CCA request at some point but they still sold it on..

.judging by the posts on here Lowells are on a roll with CCJ action

DCA's issue 750'000 speculative claimforms every year

but they now have to abide by the Pre Action Protocol

https://www.consumeractiongroup.co.uk/forum/showthread.php?481827-The-Pre-Action-Protocol-for-Debt-Claims-is-made-by-the-Master-of-the-Rolls-as-Head-of-Civil-Justice.-1st-Oct-2017

so you'll have ample warning

I received a letter from Lowell in Dec which I believe is pre action letter but will post up here to ensure they have met the criteria

Hi..

Just a post that is not asking for assistance on charges , threat letters or court appearance etc.

In fact this is to give those on here some hope to keep plugging away at their debt and especially DCA's whose only aim is to extract money and to show you can eventually defeat them.

Quick overview : Vanquis card taken out back sometime around 2009/2010 ,

usual issues lost job ,

could not afford payments,

charges on top ,

defaulted ,

passed to a few DCA's and landed up at Lowells doorstep who placed a default on credit file around 2012/13.

Amount owed £790 mostly charges and fees.

Numerous letters back and forth ,

usual court action threats followed by reduced amount offers and the final year fortnightly toilet paper stating you have not agreed a payment plan we are here to help etc.

They were getting desperate knowing the stat barred limit was approaching or had elapsed.

I in return sent them CCA requests ,

SAR requests ,

prove it letter none of which they provided and

I continued to enter in to any dialogue unless they provided.

last week I received a letter from Lowell to say in the interest of both parties they have decided to no longer chase the alleged debt,

are closing the account ,

zero the balance and update credit file this month.

Bear in mind I have just defeated an attempt in court for an another alleged debt of £3500 from an old Halifax account again close to stat barred date but nonetheless still active.

With the help on this forum it went all the way to a court date in my local town but Lowell did not provide any witness documents while I did.

fact they provided no documentation apart from copies of old statements which were for two different bank accounts and were lacking any DN or assignment letters plus doucmentation from Halifax as I identified the account had been changed from a non paying to a fee paying one at some point which had to be provided in writing by Halifax before this could be actioned of course Lowell had none of this.

judge ruled and struck out ( the letter from the court is in a safe place for future usage in case they come back) :

listen to the good advice on here,

keep all your documentation to hand ,

ensure you always file documents on time if a court case is ongoing but most important don't be afraid of the DCA's

and don't listen to their cr@p about legal jargon most of the time they are playing to peoples lack of knowledge around consumer law.

Oh don't forget to keep contributing to CAG !!!!

Thanks to all those who have assisted in the past !