Northampton CCBC claim form/ Lowell/Drydens Fairfax/Vanquis***Claim Discontinued***

[lovejoy]

Thanks Andy,

 

 

Regarding the default notice, there is no reason for it to have been put on in the first place.

There was never any debt residue owing to Vanquis in the first place.

[citizenB]

Thanks Andy,

 

 

Regarding the default notice, there is no reason for it to have been put on in the first place.

There was never any debt residue owing to Vanquis in the first place.

 

If there was no debt (arrears) in the first place, why did they put the default marker ?

 

Excellent news re the discontinuance BTW

[lovejoy]

If there was no debt (arrears) in the first place, why did they put the default marker ?

 

Excellent news re the discontinuance BTW

 

 

 

The default marker was added by Lowell after they purchased an alleged debt from Vanquis.

I was able to prove that there was no debt in the first place and the whole thing was a complete mistake.

 

 

I had no contact from Vanquis or Lowell from the ending of the account in 2011 right up until court papers were issued in April/May 2013. It was then that I started to look into things and found the default marker.

There were also payments made by me that had not been credited to my account, there were some odd transactions added some six months after I had ceased using Vanquis and Lowell also added in to the court bundle that I had made a payment to them via a debt collection agency in April 2013 which was a complete lie.

 

 

So to recap there was no debt left with Vanquis and therefore the account should never have been sold to anyone.

 

 

So the question I have is this, can I get some recourse from Lowell/Vanquis for their mistakes and the problems caused by their adding a default?

[pavlovthecat]

just marking my place unashamedly so I can find you again as I am going to steal some fab advice and your experience - nothing helpful to give in return, very sorry...

[citizenB]

just marking my place unashamedly so I can find you again as I am going to steal some fab advice and your experience - nothing helpful to give in return, very sorry...

 

You can subscribe to any thread by clicking on "thread tools" located in the grey bar under the thread title.

[pavlovthecat]

You can subscribe to any thread by clicking on "thread tools" located in the grey bar under the thread title.

oh can i?! thank you CitizenB I will do that.

[pavlovthecat]

oh can i?! thank you CitizenB I will do that.

 

it appears I have already done that by posting this time, but will know for future...I shall get my coat...

[lovejoy]

The default marker was added by Lowell after they purchased an alleged debt from Vanquis.

I was able to prove that there was no debt in the first place and the whole thing was a complete mistake.

 

 

I had no contact from Vanquis or Lowell from the ending of the account in 2011 right up until court papers were issued in April/May 2013. It was then that I started to look into things and found the default marker.

There were also payments made by me that had not been credited to my account, there were some odd transactions added some six months after I had ceased using Vanquis and Lowell also added in to the court bundle that I had made a payment to them via a debt collection agency in April 2013 which was a complete lie.

 

 

So to recap there was no debt left with Vanquis and therefore the account should never have been sold to anyone.

 

 

So the question I have is this, can I get some recourse from Lowell/Vanquis for their mistakes and the problems caused by their adding a default?

 

 

 

 

Hi Caggers,

 

 

I'm still looking for some advice on this, after checking the credit file today it appears that Lowell are still updating the default.

As I have pointed out before the default should never have been added in the first place as there was no debt left due to Vanquis when the account was closed.

The problems arose because Vanquis failed to add payments made by me to my account, I have since proved I made these payments via bank statements to Lowell and their solicitors Drydens, hence them no longer continuing with the case.

 

 

So if anyone can point me in the right direction on how to go about sorting this I would appreciate it.

 

 

Thanks in advance.