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Carter, Lowell & a CCJ threat. vanquis debt


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Hi, i have received a letter from B. Carter informing me they are going to court in 14 days for a Credit card debt, the debt is or very very near SB. Can i ask advice on how to proceed with this please.

 

Many thanks.

 

Send a CCA request to Lowell, with a copy sent to Carters so they are aware. It may stop them from continuing, until the request is dealt with.

We could do with some help from you.

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What's the debt all about?

 

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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OP says credit card in Orignal post

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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who was the OC?

 

 

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

:lol: So they did!! Oops.

 

I know how many threads you read. You gotta do a Sabresheep style cock up sometime ;)

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Sorry for the delay in getting back. The OC is Vanquis ,

 

 

i am having problems with the template CCA letter.

 

 

I cant download & save on a USB to print off, any suggestions.

 

 

The debt is so old we had completely forgotten about it,

 

 

i think it is SB but we can`t be 100% sure.

 

 

We have heard nothing for years & then on Friday we got a letter from Carter.

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Sorry for the delay in getting back. The OC is Vanquis , i am having problems with the template CCA letter. I cant download & save on a USB to print off, any suggestions. The debt is so old we had completely forgotten about it, i think it is SB but we can`t be 100% sure. We have heard nothing for years & then on Friday we got a letter from Carter.

 

If you are having connectivety to printer issues, you can normally save documents in an email account. Then send it to someone to print off or visit local library for free internet access, as they often have printers.

 

Don't quite understand the technology problem you are having. You should be able to save the document into your USB stick.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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The issue is i have no idea what i am doing , i am not good at this stuff. I simply don`t have a clue . I have saved it countless times but it comes up as a set of squiggles & is unreadable.

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is the debt 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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Share on other sites

I don`t know ,

 

 

i have never checked it.

 

 

I am not being rude to your question but i have not had credit in any way shape or form since this Vanquis card.

& a few other problems i had around that time.

 

 

I live without it now & have never bothered to check the CRA because i knew it would be trashed.

 

 

I do have a strong suspicion it is SB but i can`t be 100% certain.

 

 

Hopefully when i eventually work out how to get this CCA request sent off it will give me a better idea.

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Noddle is free https://www.noddle.co.uk/Account/SignIn?ReturnUrl=%2fdashboard

 

Or simply send off £2 for a hard copy of your CRF to Experian.

 

Thanks Boo, apparently they have not been able to identify me so can`t provide me with a report.

 

 

I have lived at my present address for 8 yrs,

they had my debt card details & phone number ,

 

 

TBH i`m not interested in my credit rating as i will never have any form of credit again.

 

 

I hope this doesn`t sound rude , it is not meant to.

 

 

I have at last got the CCA letters printed off for the OC & Carter .

 

 

Can i write anything on the postal order to prevent any underhand attempts at using it as a payment.

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the idea of the CRA file was to gain the last usage data.

 

why not ring vanquis and ask

it cant hurt you.

 

although if its is SB'd

let carter issue a claim

 

it will cost him money & embarrassment

when he meets your SB defence.

 

 

cant see the point of a CCA if that's all you want to know

that wont tell you its sB'd

 

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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