Received a letter today from Vanquis and also Lowells together stating my £1900 CC debt has been passed to them CCA Lowells and SAR Vanquis?

Hi All, I have just finished writing the CCA request and I thought I'd start a thread where I can request help once they respond. Fingers crossed!

Name of the Claimant ? Lowell Portfolio I ltd Date of issue – 05/12/2018 Date to acknowledge - 23/12/2018 date to submit defence - 07/01/2019 Particulars of Claim What is the claim for – 1) The defendant entered into a Consumer Credit Act 1974 regulated agreement with Vanquis under account reference ***** 2) The Defendant failed to maintain the required payments and arrears began to accrue. 3 The agreement was later assigned to the claimant on ****/2017 and notice given to the Defendant. 4)Despite repeated requests for payment, the sum of £26** remains due and outstanding. And the Claimant claims a) The said sum of £26** b) Interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue accruing at a daily rate of £0.50, but limited to one year, being £200 c) costs Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes i think so What is the total value of the claim? £2900 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? credit card When did you enter into the original agreement before or after April 2007 ? after Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? yes 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. assigned to lowell Were you aware the account had been assigned – did you receive a Notice of Assignment? i didn't receive a notice of assignment but i may have received the odd letter Did you receive a Default Notice from the original creditor? no Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? no Why did you cease payments? I honestly can't remember, i had a lot going on at the time and i did think it was all paid up What was the date of your last payment? 2015 Was there a dispute with the original creditor that remains unresolved? no, although i've no idea how the total is so high as its way above the original credit limit Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? i'm not sure, but i did start a payment plan with them for a while in a bid to stop them defaulting me, I'd missed 5 or 6 payments then started paying again under this agreement for a good few months Hiya, I've received a claim form from Lowell for an old Vanquis debt. I have beat Lowell in court once before for an old catalogue debt, but that was a while ago, and a bit different because I could prove from the information they sent me that I didn't owe the money anyway, and that was struck out. I'm a bit nervous, and as this is for a lot more money than before, and its quite a while since I had to do this so was hoping I might be able to get a bit of help from here. I've been online to try to acknowledge the claim, however mcol has my old address and I cant seem to be able to change it, has anyone any idea how? Also, before i send, am i right that its a CPR31.14 to the solicitors and a CCA to Lowell? Should i also send a SAR to Vanquis? My credit limit was never anywhere near the amount they're claiming I'm sure, so I've no idea how the amount has got this high! This is the form filled in that you request: Any help would be massively appreciated!

Claimant - Lowell Portfolio 1 Ltd Date of issue – 23 January 2018 What is the claim for – 1) The Defendant entered into a Consumer Credit Act 1974 regulated agreement with Vanquis under account reference XXXXXXXXXXXXXXXX ('the Agreement'). 2) The Defendant failed to maintain the required payments and arrears began to accrue. 3) The Agreement was later assigned to the Claimant on 31/03/2014 and notice given to the Defendant. 4) Despite repeated requests for payment the sum of £742 remains due and outstanding. And the Claimant claims a) The said sum of £742 b) Interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, accruing at a daily rate of £0.163, but limited to one year, being £59 c) Costs Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol)? Unsure What is the value of the claim? £931 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit card When did you enter into the original agreement before or after 2007? 2009 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 Were you aware the account had been assigned – did you receive a Notice of Assignment? Unsure Did you receive a Default Notice from the original creditor? Unsure Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Unsure Why did you cease payments? Unemployment What was the date of your last payment? Unsure Was there a dispute with the original creditor that remains unresolved? Unsure Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Unsure ---------- Hi First of all, thank you to everyone who helps on here, you're amazing! I've been issued a Claim Form from the County Court Business Centre regarding a 2009 Vanquis credit card debt which is now with Lowells. I used MCOnline to register and Acknowledgement of Service 10 February 2018 and have a PDF showing this date (I think I just made it in time!) I ticked 'defend all of this claim' and 'I intend to contest jurisdiction' (advice from another thread before landing here). That same thread said to send a CPR18 Request for further information, which I am doing now from their template as well as a separate CCA Request letter. Looking for advice on whether this is the right course of action. Thank you all so much.

I had a Vanquis card up until late 2012. I lost my job through no fault of my own and contacted them to start the repayment insurance that I was paying them for. They didn't call it PPI, they called it something else. I was told I could not claim. I said what on earth was I paying Payment Protection Insurance for if I cannot claim on it. I told them angrily at the time that as far as I was concerned, the matter was closed and they would not be getting another penny out of me. I had the usual two dozen phone calls each day all from different numbers, but I just disconnected the phone. In the end, they got fed up and farmed it out to several DCA's all of which I told to get lost. In November last year, they sold the 'debt' to Lowell and I have had them on my back. I said that as far as I was concerned, I was mis sold insurance and the amount was mostly made up of illegal charges and exorbitant credit fees and the matter was closed. This is due to be Statute Barred in about December, but I don't think that I could hold them off that long. I have heard that Lowlife now go to Court on their 'purchased' debts. I just wonder what my next move is and would the mis selling route be the best way to do down if they do decide to go through the Courts. Can anyone help? it would be much appreciated.

Hi peeps Lowell have finally sent a claim form for my wife's Vanquis card. Name of the Claimant ? LOWELL PORTOLIO I LTD Date of issue – 03 DEC 2018 Date to acknowledge) = 21 DEC 2018 DAte to submit defence = 4 JAN 2018 [=1 day for emas eve I think only -dx] What is the claim for – . 1. The defendant entered into a consumer credit Act 1974 regulated agreement with Vanquis under account reference 4023************ ('the Agreement'). 2. The Defendant failed to maintain the required payments and arrears began to accrue. 3. The Agreement was later assigned to the Claimant on 31/03/2015 and notice given to the Defendant. 4. Despite repeated requests for payment, the sum of £27**.** remains due and outstanding. And the Claimant claims a) The said sum of £27**.** b) Interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, accruing at a daily rate of £0.613, but limited to one year, being £2**.** c) Costs What is the value of the claim? £32**.** Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Vanquis credit card When did you enter into the original agreement before or after 2007? around 2010 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. Lowell Were you aware the account had been assigned – did you receive a Notice of Assignment? Probably Did you receive a Default Notice from the original creditor? I think so but they haven't put that on the particulars of claim^. Credit report shows default date 31/07/2014 Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Probably Why did you cease payments? Disputed charges, sent CCA Request to get to the bottom of it, they ignored What was the date of your last payment? December 2013 ish Was there a dispute with the original creditor that remains unresolved? fees Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management planicon? no I was going to deal with this in the same way as I successfully dealt with my own Vanquis card on this thread. Vanquis completely ignored the CCA Request for this one back at the beginning of 2014, starting with a CPR 31.14 request to Lowell Solicitors. However, this time Line 2 on the POC doesn't mention the default. Should I change my approach? Thanks

These seem to be coming thick and fast now.. Received the attached claim form on Christmas Eve! Name of the Claimant ? Cabot Financial UK Ltd Date of issue – 21/12/2018 Particulars of Claim 1.By an agreement between Vanquis Bank Ltd & the defendant on or around 16/3/2015 Vanquis Bank Ltd agreed to issue the defendant with a credit card. 2.The defendant failed to make the minimum payment due & the agreement was terminated. 3.The agreement was assigned to the claimant. 4.The claimant therefor claims £290.77 2. costs Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (pre action protocol) ? No idea, but a lot of these letters tend to be ignored, or go in the bin. What is the total value of the claim? £365.77 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account?Credit card When did you enter into the original agreement before or after April 2007 ? After Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes 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 Were you aware the account had been assigned – did you receive a Notice of Assignment? No idea Did you receive a Default Notice from the original creditor? Not sure Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Not sure Why did you cease payments? It was around the time of the birth of my daughter and I fell behind due to everything that was going on at the time as there were complications and we had an extended stay in hospital What was the date of your last payment? Sometime in 2015 I think 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 debt management planicon? No I'm guessing I should just log into MCOL and select defend all? The sum they are claiming looks like it was a lot higher than the credit limit. Should I just defend all and send them a CPR 31:14? 1888_001_Redacted.pdf

Hi All Had ROP on a Vanquis credit card between 2007 and 2011 of almost £400. I defaulted in 2011 and the debt was sold to Lowell in 2012 and is still outstanding. Can I claim back the ROP as it is over 6 years old? Can I claim from Vanquis even though the debt has been sold to Lowell? If I can reclaim would Vanquis pay me or or pay Lowell to reduce the balance)? Is there a standard letter to claim? Do I need to calculate interest or will Vanquis do that? Any advice gratefully received. regards Steve

Hi All, long time no log in!! I've been battling with Vanquis since their email to me around July time of this year when they advised me that they were uping the minimum payment so that my balance 'can be paid off quicker'. Yeah, right!! Since this increase in the minimum payment, i've been sending them around £190.00 a month since August (my balance was over £3,500) and although i've seen the balance reduce, if you're clearing your balance quicker, surely the more it's reduced the less your minimum payments should be getting every month. Not with these theiving SOB's. I took a ROP payment holiday in September this year and they caused that up to the extent that they actually refunded me £160.00 which i thought was quite amusing, as their Customer Service people had to admit they cocked up!! With regard to the ROP payments i had been making as well - i thought this was only a one-off payment of £40 as that was the way it was explained to me at the time i signed up to it, but it transpires that this £40.00 was being charged EVERY month - quite a high price for a yearly 'payment holiday'. No wonder my balance never seemed to be going down before i had this removed from my account! Another email was received around mid-November time saying 'sorry' about the mis-selling of the ROP facility and they they could have explained it better etc, etc. Bottom line is that they have refunded me the interest AND the premiums over the amount of time i've had this and they credited my account with just over £1,270.00! My balance is now down to £1,700 and after my remortgage is finalised very soon, that remaining balance will be paid off and these people are getting kicked into touch..... after i've told them in no uncertain words what i think of this bunch of thieves. As others have said here - if you have a Vanquis Card, get shot of it as soon as you can. The best thing that can happen to this bunch of blatant Rip-Off merchants is for them to go the same way as Monument did.

Hi, I had a Vanquis CC a few years ago - I discovered they were charging me for a Repayment Option Plan that I had not been told about - even when I was near my account limit they would take the ROP payment and interest and then if it made my account go over limit they would charge me over limit fees, admin fees and interest. I wrote and asked them to stop these payments as I had not agreed to the plan and to refund the payments they had taken - I never got a response but they refunded just two months payments then started taking them again the next month. To cut a long story short - over several months I wrote a number of times (all by registered post) and sent several emails - they totally ignored me. I then wrote and told them I considered my account to be in dispute - they ignored that as well. I stopped payments - then my account was passed to Lowell Solicitors who I have completely ignored - they were phoning me 8-10 times a day even at weekends. Lowell then wrote to say they had now passed my account to Lucas Credit Services - they are now contacting me every single day. In the meantime I received a letter from Vanquis to say they were refunding me some interest and it would be taken off what I owed on my account but the letter from Lowell and now from Lucas Credit do not reflect a reduction in what was owing and I don't even know what this money is for. Not sure what to do next - I intend to try and claim back all of the ROP payments and all of fees they have applied to my account - is it best to do this through the FOS or through the court?

So for a quick recap, I had an account in 2009 with Vanquis. Account was sold to Arrow and Rectums put in a claim form. they never responded to my defence so claim was auto-stayed. Full thread here if anyone wants to read: https://www.consumeractiongroup.co.uk/forum/showthread.php?477307-Arrow-restons-claimform-old-Vanquis-Card-debt-statute-barred Now I don't know where my head was, but only found out a few days ago that Vanquis are refunding people. Looked on their website and they state if you owed Debt purchaser money, it would be offset, etc. This can be found here: https://www.vanquis.co.uk/existing-customers/repayment-option-plan-refund Now I have a spreadsheet where I listed all my ROP as well as charges they put on my account and was wondering if I should get reclaiming? It is statute barred. I've attached spreadsheet for info. According to Arrow I owed them £700 (from a £200 credit limit on the card) VANQUIS-CAG.xls

Hi everyone. A few years ago me and my wife got an application form through the post for a Vanquis credit card. She applied by post and I applied online. We were both accepted. They used to mess us about saying we had made late payments or gone over our limits despite them taking a direct debit successfully they chose not to take enough money. they ended up spiralling out of control with fees and as I had just started a new business cash was tight and we couldn't pay. I sent both of them this letter- CCA request. then sent FORMAL COMPLAINT/ ACCOUNT IN DISPUTE letter Again they completely ignored it! Stupidly I didn't follow this up as I was snowed under with a new business and a subsequent house move. I have just checked my credit report and its on there as Lowell Portfolio I Ltd. Default balance is roughly £2800 and IIRC the credit limit was around £2000, that's £800 in fees! Default date is September 2014 and to my old address. Last update was March 2015. Its the only bad thing on my credit report. The business is starting to do well and we will want to get a mortgage in the next 2-3 years. I'm not sure how to proceed. I cannot afford to pay this off in a lump sum, although I expect I'll be able to afford to settle next year. However, I want to dispute the entire thing especially as they went ahead and defaulted it whilst I was disputing it. I could afford some monthly payments but I'm trying to think long term about my credit file and ideally want to get the default removed. Some pointers in the right direction would be appreciated. Thank you

I have a Vanquis account back from 2014..dont use it much,but made a purchase and wanted to clarify the balance as intend to pay in full and close the account as have other better high street cards. Went through security as normal over the phone,lady told me all what i asked and was just about to end the call when she said "Oh we need to speak to you regards your second account"...well i dont have a second account and you must be mistaken. I allowed her to transfer me to the "other department" and once id gone through name/address/D.O.B/phone number ect ect the chap said "You've been transferd due a debt you had with SKY back in 2011"" then went onto say he was with a company called Fresh Start and how would i like to pay my SKY balance..ive asked what the hell that has to do with my credit card account and he said it was a separate matter and how would i like to pay.? I've called Vanquis again and asked to speak to a manager and explained it all..and was told that Vanquis own New start and are looking at recovering the debt...when i asked about data protection and i felt like a breach,she said its fine and dont worry about it...i had a separate account (since when..no one told me) and data protection wasn't an issue. So hopefully a simple ish question...has Vanquis done anything wrong by misleading me about a second account (could only think someone had taken out a second card in my name) and this other company not telling me who they were until after id shared personal information,had they been honest at the start of the call id have told them to go forth and hung up. Should add that i record all my calls with Call recorder pro...free from Google Play store.

Hi, Just received a county court claim form on behalf of cabot financial, the solicitors are Restons. This is a first for me, never dealt with this kind of thing before, honestly dealing with debts has been a struggle, so maybe i shouldnt be surprised but for £330 im a bit suprised but it is owed, my questions if possible Can i offer an agreed amount with the solictors to start clearing? Or is it a case the whole amount is owed and im screwed i guess is the word I was made redundant 4 weeks ago so this is not the greatest of timings .How do i proceed, im not going to disagree with the claim as im fairly sure the debt is valid its just myself who didnt organize my debts properly that led to this. So do i accept the claim, then contact the solictors etc?

Good Morning all! i hope all is well! Has anyone here claimed for PPI with Vanquis? I no longer have the account as i paid it off and closed it as the % was horrendous but it did increase my credit score from 325 to 850! Any advice would be greatly received Thanks in advanced Graham

Afternoon Everyone. I've been reading other peoples threads regarding Vanquis and have come up with good information but have decided to make my own thread to be able to keep track of this and to add to the information hopefully, I also have questions. This is my only debt apart from my student loan it is large and I am worried it will ruin my credit score, I would like to get a debt plan for something that I can afford and then maybe make them an offer when I can to have the debt wiped with no CCJ. I owe £2993 with a limit of £3000 as of yet I havent missed a payment since the account was opened in late 2014, I have up until 2 August 2018 to make a minimum payment of £151 but that will be dificult.. I would like to get the account frozen and then work out an affordable way to pay. One thing I have read on another thread about dealing with Vanquis that it is wise to pay for a Subject Access Request for all my statements, I think that would be a good idea because my account has always been paperless and the online ones only go back for 12 months.. I have also noticed that while browsing a couple of them that there are lots of charges every month like; Purchase Interest, Cash Interest (But I have never ever borrowed cash against my card), Promotional Purchase Interest, Cash Advance Fee (Again, Never taken cash) I have also seen PPI being discussed but I'm not sure whether that applies to me. What should my steps be to solve this mess, Learn from it and eventually move on? My printer is at the ready, Thanks in advance everyone, L.

Hi.. Sent a SAR request last week to Lowell for a Vanquis CC debt and Halifax loan . Got a letter back today to say they have received and sending all paperwork from when they purchased the debts but if I require anything before that i need to SAR the OC. Surely as the supposed owner of the debt they should contact the OC or have all original paperwork such as statements etc sent to them once purchased ..or do I indeed have to contact OC ? Wanted to check before I send a curt reply letter back to Lowell

Hi, I opened a credit card account with vanquis in September 2005 and stopped paying them around early 2008 as they were hammering me with charges and i'd pay them what they asked for and the next month there'd be another charge. Obviously they must have defaulted the account and sold it on to lowell. I've only recently been checking my credit file and noticed that the default date for the account is september 2013. The cynic In me feels that lowell.s may have done a bit of sleight of hand with the default date as I doubt vanquis would have waited over 5 years to put the account in default. I no longer have the account details for this, so is there a way I can Sar them without the account number and will this reveal the correct default date or would I need to request that seperately?

Hi All submitted SAR for Vanquis CC debt on 19th July 2017. Have received a reply dated 2nd August 2017. It says receipt of my letter confirmed and apologies for delay in response. Letter then states 'A request has been sent to the original creditor for a copy of the agreement and statement of account. These will be forwarded upon receipt.' Further advises 'The above details relate to an account opened in September 2007. Last payment was made to the original creditor on 26th August 2011. Please see below for a list of transactions.' There then follows a list of shops names with transaction 1, transaction 2 etc typed next to them. No monetary amounts just shop names. Letter ends with statement 'We have suspended action on the account to allow for the original creditor to provide us with the requested information. If you wish to speak to a member of our staff please call etc etc.' Can anyone advise: 1. Will Vanquis provide the information? 2. What if anything should I do now? Any help greatly apprfeciated. cheers Steve

Hi everyone, hoping to find some urgent last minute help in this wonderful community ------------------------ Hello everyone, Only just joined the community, but have been carefully following few threads to help with my personnal situation. So far it has been a priceless source of information and I hope to seek further help! I have my court hearing this coming Tuesday at 10am - here is a timeline of events: - Vanquis Agreement dated 05/08/2010 - Last payment made to Vanquis on 30/12/2011 - Notice of debt received by email from BW Legal/Lowell on 13/09/2016 - Letter with CCA request sent on 28/09/2016 - which was ignored - Claim issued by Lowell on 03/10/2016 - CPR18 request sent on 25/10/2016 - again, ignored - Defense sent on 05/11/2016 (copy of my defense attached in the thread) A year gone and never received the documents I asked in order to prepare defence of enter into mediation - DQ filed by claimant on 20/11/2017 - Sent another CPR18 request on 24/11/2017 - yet again ignored - Direction Questionnaire filed on 30/11/2017 Which brings us to present days, and the witness statement receive from the claimant only 2 weeks before the hearing (attached to the thread) - while I have been requesting information since November 2016 ! With the hearing happening in 3 days, I'm getting exponentially nervous about what's going to happen - and how I should prepare to defend myself. I misunderstood the notice of allocation for the hearing and didn't send a witness statement myself... is there something I should do/say at the hearing? Can someone kindly advise on the best course of action for me to get in the hearing with a bit more confidence? I'd like to avoid a CCJ at all cost and just want to settle the debt - but have missed the oppotunities to do so as they failed to send the documents I requested A few questions I have after reading the witness statement several times: - I never received the Notice of Assignment. Statement says "defendant put to strict proof to the contrary" - clearly, shouldn't these kind of documents be sent registered and/or signed for? My gut instinct is to say they should be the one proving they served me with the notice of assignment (their responsibility, isn't it?) - With my CPR requests, I have sent deadline for them to collect and send the requested documents - none were respected. I literally had to wait almost a year and half and the witness statement (just a few weeks before the hearing) to get any sort of documents from them. Is that a point for me to use in my defence? As I've been chasing documents for a while in order to prepare my defence, ignoring my requests and sending these at the last minute should play in my favour? Many many thanks in advance for any help that the community could provide me with I will make sure to keep everyone updated. BW Witness Statement.pdf BW Defence.pdf

Oh dont forget the £1.9 Million fine they've just been handed... Watch This Space As You Could Be Due A Refund Soon!!

Hi All I am struggling to find the standard letter to reclaim charges. Can someone kindly post me a link please. thanks steve

Hi All. As the title say's is Vanquis Bank (Credit Card) Repayment Option Plan (ROP) the same as a PPI & Can it be reclaimed. Today I've received my SAR. I've typed up all the Charges and ROP's so far but yet to put into the CAG sheet's as I'm unsure which of the following can attempted to be re-claimed & which CAG sheet to use: (Date range of values is 03/08/10 to 04/10/15 - My credit Limit is only 250) 337.45 Billed Finance Charges Trans Type Purchase Interest 15.34 Billed Finance Charges Trans Type Cash Interest 30.42 Billed Finance Charges Trans Type Default Fee Interest 0.96 Billed Finance Charges Trans Type Default Fee Plan Int Free 188 ROP Payment 420 OverLimit Charge 36 Unpaid Item Charge 132 Late Payment Charge -36 Refund Late Payment Charge -108 Refund OverLimit Charge 11.33 Billed Deferred Finance Charges -7.4 Refund ROP -19.04 Refund Billed Finance Charges -0.65 Interest Credit Adjustment (Yep the Over limit are labeled Interest Free - yet I get Default Interest) The letter that is attached to the SAR states that in relation to the CCA - they have said "The Documentation that you appear to be requesting is under Section 77-79 of the Consumer Credit Act 1974, and not the Data Protection Act 1998, please note a statutory fee of £1 is required for this service" - Is this correct? Surely the SAR should cover everything? No statements have been included as "these are charged at £5 per copy as stated in the Terms & Conditions" but they have supplied a list of transactions - is this all I would require for any support of claim? I'm awaiting the calls/transcripts - to see how this was sold and if I did accept it.... Will post these once received.

Hi all, I'm putting this here in this section as Restons are threatening that I will be receiving a county court claim soon. In April 2009, I was offered a Vanquis card and I took it. I fell in a rough patch mid 2010 with payday loan spiral, and towards December 2010 I started missing various debt obligations. I was drowning under Vanquis as well, they would take my payment, and then their ROP charges pushed me over the limit and then I'd get a late payment fee added. Mid January 2011, I put the account verbally in dispute with the person who had phoned me, demanding additional payment. Credit limit was £250, they were chasing me for £700. Few debt collectors have come and gone, I've always ignored them. Beginning of March this year, I got a letter from Restons, demanding payment. I emailed them and said sorry, I don't acknowledge any debt to you. This was shortly followed up by another letter, saying I owed them £780 for the Vanquis card, last payment date: 18th January 2011. I responded, saying sorry, this is statute barred. They responded saying: Totally fed up by this now, I responded to their email, stating that I had already told them it was statute barred and that the date someone decided to issue a default notice had no bearing on the statute barred date and I suggested they go read the Limitations Act of 1980, and that if they decided they still would like to continue to take me to court, I would be requesting the courts to regard them as Vexatious Litigants and I would be requesting compensation. I then got the very snotty letter attached. Next course of action? Ignore until I either get a county court application as they have threatened, or should I be doing something now? I've just sent off for a SAR to Vanquis as well. restons threat.pdf

Well looks like Peter Crook (Id say suitably named) stepped down from Provident Financial Group...This little gem comes through... Start reclaiming folks, for all those times the admitted ROP wasnt PPI in any form...