Hi

on asking for cca + other docs this is the cca they have sent me along with some t&c,

I have also got 2 default notices for the same debt which are worded very different to each other but coencide with dates, amount and account number

thanks in advance for advice

application forms.pdf

so 2 pages from the electronic sign up.

and the T&C's?

tell us about the debt and who's chasing now please

so 2 pages from the electronic sign up.

and the T&C's?

 

tell us about the debt and who's chasing now please

Hi thanks for reply, its lowell solicitors

well it had to be one of the dozen or so debt buyers....

so keep going..whats the full history with dates please...

Hi

the card was approved on 14/09/2013

defaulted on 09/01/2014,

the debt was sold to Lowell on 31/12/2014 had all the usual tripe from Lowells.

I requested

cca,

copies of default notice,

notice of assignment,

statements of accounts,

one of DN copy states it is hear by alleged that you have breached this requirement,

the other copy says you have not made the required payments to your account and therefore in breach of your contract which is the true copy

they are both from Lowells.

I have done a SAR with Vanquis all they sent was application details + t&c and statement of accounts,

vanquis have not sent copies of DN or N of A.

which copy of DN would I use in court which they are threatening now.

thanks

Upload the DNs we dont know until we see them...dont redact dates

DN files

payment must reach by 05/01/2014

IMG_20190219_0005.pdf

There is only one default Notice there the second is a Notice of Default.

OK andy thanks, this is the letter i got back from lowells after requesting items from lowell

this is other DN file

thanks

IMG_20190219_0005.pdf

IMG_20190219_0006.pdf

the 2nd letter is the cover letter for the DN you posted in post 7

you have not received two DN's

but again you've redacted dates

so we cant even tell if it gives you 14 days...

postage date was 17/01/2014 and says you have until 5th of february to clear

Thread title corrected....

now in the provident forum.

so everything looks in order to me

TBH its very difficult to get out of post apr 2007 online sign ups.

have Lowell solicitors sent a PAP Letter of claim yet?

how much is outstanding?

if you use our search CAG box of the top red toolbar

claimform vanquis

you'll see lots of like CCA return examples

Hi dx100uk

no claim form yet, £621.00 outstanding, looks like were dead in the water. I just dont Know how they dare present that sign up as evedence most of it is unreadable its something they could have knocked up themselves were exactly is proof of a tick, anyway thanks for all your help and all the best

it might well be a bad copy but whats there is what should be there

and I bet they could easily get a better one.

Thats just the Digital Signature Details form..not the agreement no prescribed terms no T&Cs....they wouldn't go near a court and state thats an agreement.

They are in default of your section 78 request

wonder why they've not bothered with the important bit

as it would be easy to get ahold of it..

its almost as if they've cut'n'pasted his details on a blank cause they couldn't be bothered to ask the OC?

thanks guys I had given up the will to fight on untill these last two messages, now you nave given me new hope. Do I need to bring to lowells attention they are in default of my section 78 request or save it to use in my defenceif it gets that far

thanks

Save it

why don't you separately send vanquis a CCA request yourself

and send them an sar to get everything else.

it would be really useful to see if the docs from vanquis match the return from lowells?

no harm in preparing..

dx

I have allready sent sar request all i got back was electronic sign up, statements which are different to lowells and T&C. I have wrote back to vanquis for rest of stuff i requested including cca.

Thanks