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Banks78

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About Banks78

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  1. Thanks all, Will do this later after work.
  2. Ok I will try to get to the library tomorrow to get it scanned. I assume you just want the front cover page they sent? I should block my name address and personal info? is there a link to tell me what I need to write in regards to the no paperwork defence? Also if I file this no paperwork can I then apply for a Tomlin order? ( do I send a request for this to Lowells? or through the court?) Sorry for all the questions, I am just a little lost. Thanks
  3. The account was opened 3/11/2010
  4. Hi all I have received nothing from Lowells solictors or otherwise. I still cannot find my last payment date, its not on my clearscore, Just the date I set up the account. Also Vanquish are refusing to give me the information. I am a little stuck now as to what I need to do? dx100uk : I was advised by martin2006 at the start of this thread to send off a letter to vanquish. It is Lowells Solicitors now BW that I have received a letter from. Sorry for late replies but I am on a laptop that I borrow and don't always have access to this. I have 5/6 days to for a defence and I am a little stuck as to what to do next if I haven't received a reply from Lowells. I am also slightly panicked now that I have sent a letter to the wrong place :-/
  5. Quick update. I received my computer signature contract from Vanquis today they had a covering letter stating they had sold the debt on, and gave me Lowell contact details. The contract was started on 23rd nov 2010 so I am a few months short of the Stat Barred period. So now just awaiting if Lowell send me anything. will keep you posted.
  6. Hehehe The poor boy did sound completely stumped at first!
  7. Thanks MArtin2006... its slowly becoming clearer. I finally got through to vanquish a nice boy called Ben told me he couldn't access my details and therefore wasn't allowed to tell me any information. Whether he couldn't access for security reason or more than likely because it has been sold on. He gave me a number 0845 3009410. When I questioned who it was and whether it was vanquish or not, Ben just continued to tell me he couldn't tell me any information.. .... So I guess it wasn't Vanquis! Any ideas on how I obtain my last payment date from here if Vanquis are unwilling to participate? TIA
  8. I Am still trying to find the date of the last payment. Vanquis aren't being very helpful. Thanks Andy. So do I need to do anything more or just wait? If no information comes via Vanquis/Lowell do I need to do anything further do you know? Thanks
  9. Hi Andy Yes I have acknowledged service on MCOL but not worked out date? The Issue date was 30th June. Though I only received it on the 3rd July.
  10. Hi Sorry for late reply/updates I have been working. as per the first reply from martin2006 I sent out the letter to Vanquis requesting the info and Also to Lowell. This was done on the 6th July (The day after my last log in) I sent recorded and signed for so they should have received at latest 8th July. I received another letter from Lowell telling me of said legal proceeding issued against me and telling me to call them to arrange payment's, and that if I do not reply to the claim or contact them in time then they may enter a CCJ against me. Do I just wait now for a reply from either Vanquis or Lowell? Also what do I do if I hear nothing in the timeframe in regards to the court claim? I am afraid I don't know what you mean, so I cannot answer if it could Stat Barred, could you elaborate please? Do you been it could be out of time for collecting on the debt? I am guessing my last payment would have been when my little girl was 3-4 she is 9 now. Though it may have been earlier. As awful as this sounds I went through a phase of head burying and so I never kept a record of payments or dates. My memory is ridiculously bad! Is it possible that vanquish still have the dates after such a long time now they have sold the debt?
  11. oops Sorry about that, Thanks Martin.
  12. Hi Thanks for reply. I hope I have answered correctly. I just need to print off the request for Agreement forms from the Claimant tomorrow and send them I am guessing recorded? firstly - read all the posts in this thread FIRST... then copy this first msg to your thread - and put your answer after each question In order for us to help you we require the following information:- Name of the Claimant ? Lowell Portfolio I LTD Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total) - 30th June 2016 ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE OF THE CLAIM IS DAY 1 [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total What is the claim for – the reason they have issued the claim? Please type out their particulars of claim (verbatim) less any identifiable data and round the amounts up/down. 1) the defendant entered into a consumer Credit Act 1974 regulated agreement with Vanquis under account ref xxxxxxxxxxxxxxxxxxxx 2) The Defendant failed to maintain the required payments and a default notice was served and not complied with. 3)The agreement was later assigned to the Claimant on 15/02/2013 and notice given to the defendant. 4)Despite repeated requests for payment, the sum of £549.10 remains due and outstanding, and the claimant claims a)The said Sum of £549.10 b)Interest pursuant to s69 County Courts Act !984 at the rate of 8% per Annum from the date of assignment to the date of issue, accruing at a daily rate of £0.120,but limited to one year being £43.93 c) Costs What is the value of the claim? £723.03 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? No CRedit Card When did you enter into the original agreement before or after 2007? After Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser has issued Were you aware the account had been assigned – did you receive a Notice of Assignment? Honestly cant remember. I just started to receive letters from Lowell Did you receive a Default Notice from the original creditor? Probably Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? NO Why did you cease payments? I was in financial difficulty from various creditors and was in a cycle of bank charges on a benefit wage. What was the date of your last payment? I have no idea. Was probably 2009 sometime/2010 Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a plan? No
  13. Hi There, Very very new to all of this but was recommended by a friend to seek advice. I received on Sat 2nd July a Claim for Lowell solicitors in regards to a credit card debt I had some years ago when in a dire financial situation. The sum total for the debt inc cost etc is now £723. My situation has improved only slightly in that I am now working part time, but I am trying to keep my head above water in regards to other debts. Whilst at a push I could offer a payment plan of some description, I was wondering if there is anyway I can fight this. I wouldn't be opposed to paying vanquish the original debt now, but to pay lowel who has bought the debt just infuriates me. Just wondering if I have options or not. I haven't had any phone or letter correspondence with them though periodically I have received letters threatening action, which I have ignored (I know My own fault ). Appreciate any advice thanks
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