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  1. 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!
  2. 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?
  3. 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** r
  4. 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 £74
  5. 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 dis
  6. 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 a
  7. 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 receiv
  8. 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
  9. 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
  10. 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 sto
  11. 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.v
  12. 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
  13. 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
  14. 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 proc
  15. 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
  16. 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 paymen
  17. 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
  18. 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
  19. 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
  20. 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/
  21. Oh dont forget the £1.9 Million fine they've just been handed... Watch This Space As You Could Be Due A Refund Soon!!
  22. Hi All I am struggling to find the standard letter to reclaim charges. Can someone kindly post me a link please. thanks steve
  23. 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 F
  24. 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 ha
  25. 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...
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