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Lowell claimform - old Vanquis credit card Help,


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Hi,

 

I have recived a claim form today from northampton county court for lowell for a old vanquis credit card.

 

says the debt was purchased/assigned to lowell 30/08/2012.

 

Can anyone offer any advice onwhat to do with this, should i pay it or offer instalments as i can not afford it at the moment as money is very tight.

 

I feel i would like to defend it but do not know under what grounds nor do i understand all the legal talk on what to write.

 

Obviously lowell can legally ask for this money but i find them such a horrible company. The amount is £550.80

 

Should i acknowledge the claim form in the meantime whilst i caan get some advice.

 

Any help greatly appreciated.

 

Thank you

Lisa

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Hi Lisa,

 

What's the history of this debt ?

Any advice I give is honest and in good faith.:)

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Hi Lisa,

 

What's the history of this debt ?

 

Hi thank you for replying, basically took a credit card out, made payments then missed a few down to financial problems then charges were added which made it worse.

I stopped paying then Lowell contacted me a few times, I didn't reply now the ccj letter.

 

Thanks

Lisa

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when did you take this card out

please

 

tell us as much history as you can.

 

have you their PPI [ROP]

and how much of this is PENALTY charges

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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