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LOWELLS Claim Form - old vanquis card debt***Settled F&FS***


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Oh well..trial it is then...if you lose you offer £5 a month.....dont forget they only paid in the region of £80 for the debt

We could do with some help from you.

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I thought they'd at least try and negotiate :(

Been stressing out and running around like a headless chicken trying to get some money together but they don't want it, would rather punish a person.

 

The idea of having this 'order' over my head for £5 a month for years and years is so depressing, y'know?

I guess if I call back and up the offer, that would be worse than leaving it?

I'll upload the documents as suggested by Jon8214.

 

Thanks for your help. :)

Edited by dx100uk
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Must be cash rich at the moment ...normally as stated they would bite your hand of for a F&F cash up front.I guess their more interested in the Charging Order which will come next after judgment ...assuming you own your own property.

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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we need to see this WS and all the exhibits please [minus statements]

its not often we find they get everything right esp with vanquish stuff

they tend to copy and paste hoping you wont notice its a pick n mix from their filing cabinet not the originals from vanquis

 

one multipage PDF please

read upload

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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Oh dear ...bet they wished they had accepted your offer now:becky:

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

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so wheres the agreement and all the T&C's?

 

 

that WS is a bit waffly and repetitive and does really say anything concrete

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

Good morning :)

 

I didn't upload the Digital Signature Application details or the many pages of Pre-Contract Credit Information (T&Cs) as I thought they would just be standard. Nowhere have I signed anything on these pages

. Also, I left out the pages and pages of transactions which are Exhibit PR3.

 

How shall I handle this court hearing?

Is there anything I should refrain from saying, anything I should point out.

 

For example: should I point out that despite being unemployed with no savings or assets (I do have a 12 year-old Toyota) that I tried to settle before the court date?

 

That Lowells where late filing, as Jon8214 mentioned.

The conversation I had in which the Legal Recoveries Associate said that it didn't matter to Lowells whether it took 10 or 20 years for me to pay the amount under a Tomlin Order rather than settle before court.

 

That there is no actual documentation with my signature on it. Etc.

 

Any tips? And what do you think my chances are?

 

Thanks :)

Edited by dx100uk
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my first thought is that is an unexecuted agreement which in my mind means it was provided before the CC was taken out and doesn't have the proscribed terms

 

Andy and DX will be along later to confirm

 

this is an on line application "X" taken out 2009,//// ???? correct???? - and serves

:mad2::-x:jaw::sad:
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this is an on line application "X" taken out 2009,//// ???? correct???? - and serves

 

 

Means on line sign up using "X" not a signature which is legal acceptance of agreement taken out after 2007/8!

 

so previous poster comment about not an application form, is relating to old wet signature application form prior tp 2207/8 to on line ones .

:mad2::-x:jaw::sad:
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Could this end with me losing my old but useful car or having bailiffs sent round? O.o

 

only if you lose and don't set up payment plan with in 28days

 

cant see that happening!!

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 dx100uk :)

Very specifically,

do you think it's worth calling Lowells again with a higher offer?

 

As mentioned previously,

I have scraped together £700 in total to try and settle

but when they refused the offer of £450 and didn't try to negotiate, I left it.

Thanks

 

On their correspondence, they say their offices are open to 8pm on Friday and between 8am-2pm on Saturday.

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Pers i never recommend ever paying the fleecers an f&f

With your financial situation i expect you could get away with £5-£10pcm if you lose

Is a ccj going to harm your future plans i.e mortgage if within 6yrs?

If you need to avoid one then f&f or go tomlin

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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