Lowells claimform - old Vanquis card 'debt'

[Bazooka Boo]

Unfortunately once its on there it stays there for six years, paid or not.

 

If lowlifes haven't contacted you about it, then personally I'd let sleeping dogs lie.

 

Paying it off, either through monthly instalments or in one go, won't have any bearing on your credit worthiness, and unless they are reporting inaccurate data then there is no way of having it removed.

 

They have fell at the first hurdle, they have failed to provide you with the CCA, albeit they will be able to enforce the agreement in court should they wish, as it was taken out on line, so they can magic up a recon to show a judge.

 

The only thing you can do is to reclaim all of their fees and charges including interest if you wish? to bring the amount down and then pay it off, but there is no real incentive to do that really...

[Bazooka Boo]

But when we apply for a mortgage wouldn't having it settled look better?

 

No not in the slightest, and TBH you would need a good few years clear credit history for a mortgage, or at the very least one with decent ish interest rates.

 

If the dates are correct on the CRF, and the data is accurate then it won't be moved until its 6 year anniversary where it will drop off automatically never to return, paid or not.

 

The failure to supply the CCA only means that they can't take enforcement action, ie, court.

BUT, as this was taken out on line, then they will be able to provide a recon to the DJ should they try and go down the legal route.

 

Most if not all, agreements taken out post 2007 are deemed compliant as they learnt the error of their ways with successes like CAG.

 

Have Lowlifes been corresponding with you at all about this?

[Bazooka Boo]

The CRF will show the name of the outfit doing the chasing, which is why lowlifes name appears next to the default marker, so as long as the date doesn't change then it is only the name of the gophers chasing that will alter.

 

Requesting the CCA, does NOT affect the SB clock, the only thing that affects that is payment or a written acknowledgement.

 

But you have already made a CCA request, and they have failed to respond.

 

However this is post 07 and taken out online, so will almost certainly be enforceable if they choose to go down that road.

 

IMO the best way to attack this would be to get a complete history of the account, see how much fees/charges (including interest on those fees/charges) has been added and request they be refunded, whereby you will set up a payment plan that is realistic and comfortable for YOU, not them.

[Bazooka Boo]

Hi, welcome back...

 

What exactly does that letter say?

Is it a letter of claim, OR a letter before action?

 

Did you ever SAR Vanquis to determine what fees and charges they have added that you can reclaim?

[Bazooka Boo]

Fire off a SAR to Vanquis and get the history of the account.

 

Send RD, and keep proof.

[Bazooka Boo]

Yes defo to the OC.

 

Have you got copies of the CCA request, and them cashing the PO??

[Bazooka Boo]

Does the receipt for the PO have anything on it regarding being able to check if it's been cashed??