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Good afternoon I have been pointed in the direction of this forum after receiving a claim form for what was originally a vanquis credit card debt, card was taken out in November of 2006 I have been reading some threads with similar circumstances to mine but I would still like some advice please from anyone who would be able to help me. Name of claiant? Cabot Date of issue? 1 April 2015 (rubbish April fools) What is the claim for? The claimant claims the sum of £592.22 being monies due from the defendant the claimant under a regulated agreement between the defendant and vanquis and assigned to the claimant on 9/2/2015, notice of which has been provided to the defendant. 2. The defendant has failed to make payment in accordance with the terms of the agreement and a default notice has been served pursuant to the consumer credit act 1974 3. The claimant claims the sum of £592.22 and costs 4. The claimant has complied as far as necessary with the pre-action conduct direction What is the value of the claim? £722.22 Is the claim for a a current or credit/loan account or mobile phone account? Credit card When did you enter into the agreement? Nov 2006 Has the claim been issued by the original creditor or was the account assigned and is the debt purchaser who has issued the claim? Dca Where you aware the account had been assigned, did you receive a notice of assignment? I received a letter a few weeks back, buried head in sand, didn't read it and binned it. Did you receive a default notice from original creditor? Quite possibly, again I've had finance head in the sand Have you been receiving statutory notices headed notice of default sums at least once a year? Not sure, as above answer sorry. Why did you cease payments? Massive change in family life jobs move of area financially stumped for about 12 months What was the date of your last payment? Early 2010 I think, could be sometime in 2009 Did you communicate any financial problems to the original creditor and make efforts to enter a debt management plan? I did yes, for sometime vanquis set up some thing on the account that reduced payments for a while, unsure as to what this was but it was only for a total of three months, this made litte or no difference to the account. They kept adding on charges that increased my bill mAssively. Pretty sure the original limit on the account was only £200, at most £250 yet now stands at £522 so most of this is charges, infect over half the debt is charges. I need help in order to resolve this. I did have a credit card with them but never for £522. Can they get away with inflating the bill with charges. I have read on here about a cca? Please could someone explain this to me and how to move forward? Thank you in advance
Had a PPI claim against this lot (was an Additions catalog account) and they've written back now with a final answer. It's been found in our favour, however, as the account had gone to Debt Managers 3 years ago (effectively closing the account I'd have thought), they are sending more or less all of it to them to settle the account. Now, is this right, can they do that or should they not be sending it all to us firstly to decide what to do with it? Would appreciate advice please. Edit - should be Shop Direct - sorry!