Hi all. Brief background to my delimma;

Opened up a vanquis account back in mid 2013, kept on top of it for a few years until I went through an extremely difficult time, they increased my credit limit to £2000 around the same time and I blew the lot and stopped paying because I didn’t care about anything.

It was then sold to Lowell’s solicitors I ignored the first letters until I received the pre action protocol letter.

I responded to that asking them to prove it.

Today they replied stating they were waiting for response from creditor and my account is on hold in meantime. Total debt is £2396.

But I also noticed some of the information on this letter is wrong.

The last payment date and the amount is incorrect and also the default date.

I checked through my bank statements and they’re a month out with the payment date. They have my last payment as November for £70 odd, but my last transaction was in the October for £30 odd. Then the default is recorded in May the following year.

I’m wondering if it’s worth letting it go to court if they seem to have wrong information. Would be really grateful for any information or advice anyone has. Many thanks.

Don't tell them anything. Wait for the response from the request you sent first. You can use everything else against them

Did you send a cca request with your pap response?

Yes I did, but I didn’t send the £1 postal order along with it which I didn’t realise I was supposed to until reading the link.

They also received my response two weeks ago today, I received their response today.

then send a new one

thread retitled and moved to the provi forum.

Did you send a cca request with your pap response?

Yes I did, but I didn’t send the £1 postal order as I didn’t realise I was supposed to until reading the link in comment.

then send a new one

 

thread retitled and moved to the provi forum.

Ok thanks. Should I wait until they respond or send it now?

per s i'd send a new one

Ok am I correct in thinking that once I’ve sent the CCA the proper and true way, if they don’t provide this within 12 days it’s unenforceable!?

12+2 working days and its unenforceable until they provide a compliant response. However, post 2007 agreements, its hit and miss as it will be up to a judge to decide. Generally its accepted that non compliance means unenforceable though.

Thanks, just one more question before I fire the CCA request off, the 30 days they gave me to reply before court is now up, so does it matter that the formal way of asking for my CCA is past this?

Nope. But if you asked for it, they should hold off any futher action. The 30 days is a guide basically. It can be extended if you asked for paperwork etc, but cant be extended indefinitley as theyre well aware people would abuse it.

Hi, I’ve not heard anything back from Lowell , but then I still haven’t sent off the official CCA request , I decided I’d wait to see what they come back with. However I checked my credit report today and it’s shows Lowell as a closed account. Does this mean they can not find the correct paperwork so can’t be bothered anymore or is it because they’ve put my account on hold?? Thanks in advance.

Lowells cant mark it closed as such

Let it run

Thanks will do, interested to hear what they come back with..

Received letter from Lowell’s today stating vanquis are compiling a response; I’m guessing this means they have the information?

with no CCA they aint going nowhere

never heard of that type of letter

so must mean they are preparing to shutup and run away.

dx

Oh really! That would make my Christmas fingers crossed

Hi.

Today received a response from Lowell with info from vanquis,

they state in their letter they sent the agreement but they have not just a print out of an online application, is that the CCA??

They also sent the statement, Default Notice and Notice of Assignment.

The statement shows I was paying for the Repayment Option Plan.

Can anyone advise on the next best course of action please?

can you post up what they sent please. Minus personal identifiers

one multipage PDF ONLY please

read upload

can you post up what they sent please. Minus personal identifiers

Ok will do thank you, would that be all of it as thereÂ’s quite a few papers .

- - - Updated - - -

Sorry just seen this.

Am downloading the apple app suggested. Been a long day at work so will get them all scanned up with personal info withheld in morning. Thanks guys.

Make sur eyou do as in post #22