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Vanquis debt collected by Lucas credit services


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I have a credit card debt with Vanquis bank for £720

It has been passed onto Lucas credit services

 

I have defaulted payments for a year and now have debt collectors at my old address.

 

Can anyone give me any advice of what to do ?

 

I know I'm an idiot ,

 

got myself into a right pickle after works overtime was restricted to none basically!

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tell us the full story

 

how old is the card

 

is it on your credit file

 

dx

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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tell us the full story

 

how old is the card

 

is it on your credit file

 

dx

 

It's 18 months old. Made a few payments and defaulted.

 

I don't know about my credit file I haven't ever looked at it .. I'm going to need to. Will do that tommorow. Do I get the result straight away or through the post ?

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should be almost instant

 

try noddle

 

ok well if the card is that new

 

itll be trashed for sure

 

are lucus just collecting

or do they own the debt?

 

who is their client?

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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Lucas Credit Services?... They are just like a little dog that will constantly bark till you put it down.

Send them on their way as its not worth worrying over with them.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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It says creditor : Lowell portfolio limited

 

so it been sold on then

 

obv a lemon debt

 

answer my other questions please

 

and whats the defaulted date too. please

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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Share on other sites

vanquis have sold it for a very good reason

 

they rarely sell low level debt on

as they 'trade' on them being a credit repair card

and market themselves that way.

 

to sell it on

 

and for lucus to be used by lowells

is very strange.

 

those two just are never in bed together.

 

dx

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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Share on other sites

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