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Is this vanquis electronic cca enforceable in court ?


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so 2 pages from the electronic sign up.

and the T&C's?

 

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

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

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

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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Share on other sites

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

Edited by dx100uk
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Upload the DNs we dont know until we see them...dont redact dates

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

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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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...

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... 

Link to post
Share on other sites

Thread title corrected....

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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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

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... 

Link to post
Share on other sites

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

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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.

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... 

Link to post
Share on other sites

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

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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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?

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... 

Link to post
Share on other sites

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

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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

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... 

Link to post
Share on other sites

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