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    • Please see my comments on your post in red
    • Thanks for your reply, I have another 3 weeks before the notice ends. I'm also concerned because the property has detoriated since I've been here due to mould, damp and rusting (which I've never seen in a property before) rusty hinges and other damage to the front door caused by damp and mould, I'm concerned they could try and charge me for damages? As long as you've documented and reported this previously you'll have a right to challenge any costs. There was no inventory when I moved in, I also didn't have to pay a deposit. Do an inventory when you move out as proof of the property's condition as you leave it. I've also been told that if I leave before a possession order is given I would be deemed intentionally homeless, is this true? If you leave, yes. However, Your local council has a legal obligation to ensure you won't be left homeless as soon as you get the notice. As stated before, you don't have to leave when the notice expires if you haven't got somewhere else to go. Just keep paying your rent as normal. Your tenancy doesn't legally end until a possession warrant is executed against you or you leave and hand the keys back. My daughter doesn't live with me, I'd likely have medical priority as I have health issues and I'm on pip etc. Contact the council and make them aware then.      
    • extension? you mean enforcement. after 6yrs its very rare for a judge to allow enforcement. it wont have been sold on, just passed around the various differing trading names the claimant uses.    
    • You believe you have cast iron evidence. However, all they’d have to do to oppose a request for summary judgment is to say “we will be putting forward our own evidence and the evidence from both parties needs to be heard and assessed by a judge” : the bar for summary judgment is set quite high! You believe they don't have evidence but that on its own doesn't mean they wouldn't try! so, its a high risk strategy that leaves you on the hook for their costs if it doesn't work. Let the usual process play out.
    • Ok, I don't necessarily want to re-open my old thread but I've seen a number of such threads with regards to CCJ's and want to ask a fairly general consensus on the subject. My original CCJ is 7 years old now and has had 2/3 owners for the debt over the years since with varying level of contact.  Up to last summer they had attempted a charging order on a shared mortgage I'm named on which I defended that action and tried to negotiate with them to the point they withdrew the charging order application pending negotiations which we never came to an agreement over.  However, after a number of communication I heard nothing back since last Autumn barring an annual generic statement early this year despite multiple messages to them since at the time.  at a loss as to why the sudden loss of response from them. Then something came through from this site at random yesterday whilst out that I can't find now with regards to CCJ's to read over again.  Now here is the thing, I get how CCJ's don't expire as such, but I've been reading through threads and Google since this morning and a little confused.  CCJ's don't expire but can be effectively statute barred after 6 years (when in my case was just before I last heard of the creditor) if they are neither enforced in that time or they apply to the court within the 6 years of issue to extend the CCJ and that after 6 years they can't really without great difficulty or explanation apply for a CCJ extension after of the original CCJ?.  Is this actually correct as I've read various sources on Google and threads that suggest there is something to this?.
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Lowell now chasing old Vanquis CC debt


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I had a letter come through the door a few weeks ago from Lucas Credit Services,

 

stating that they were acting on behalf on Lowells.

In the envelope was a letter from Lowells saying Lucas were sorting the debt for them, and i had 7 days to reply :violin:

Before the 7 days was up i had Lucas emailing me "if you don't reply to us, we will continue to correspond to you via email".

I had no more letters but 3 emails.

 

Up until now, i've not heard anything about this debt since 2011.

 

It seems as though they are trying to get a rise out of me.

 

Do i correspond to them via email?

 

At the moment, i set it to go into my junk folder, i did debate blocking them.

 

History:

 

Its a Vanquis credit card taken out in 2010 of around £400ish.

 

I tried to pay them multiple ways:

went into bank and was refused,

rang up and they kept disconnecting me.

 

with that, i didn't bother to pay

 

I then came into financial difficulties,

 

i'd gone beyond the point of no return.

It was defaulted in 2011, and no payment was ever made on the account.

 

Its no up to £600 odd, and i know most of that is charges.

 

Whats your guys take on this?

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  • 1 month later...

They continue to email. Most recent email:

 

 

 

Dear Sir or Madam

 

 

Your OVERDUE DEBT of £600.00 owing on your Vanquis account remains outstanding despite having asked you for payment on several occasions.

 

 

 

We now require you to contact this office immediately to confirm one of the following: -

1. You will be making payment of the full amount due immediately

 

2. You will be making payment of the full amount due within 30 days

 

3. You are unable to pay the debt in full and wish to negotiate a repayment arrangement

 

4. You will not be making payment of the debt and provide details of the reason why together with documentary evidence

 

Our records show that you have been given several opportunities to make payment and you have chosen not to. This matter must now be resolved and we urge you to contact us on 01274 957060 within the next 5 days to confirm how you intend to bring this matter to a conclusion.

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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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Start the ball rolling with this send blank £1-00 postal order but get proof of postage.

 

 

They then have just 12 + 2 days to send you the agreement + all T&C's .

 

 

Then comeback to update the thread.

 

 

In the meantime ignore the silly emails

If I have been of any help, please click on my star and leave a note to let me know, thank you.

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  • 1 year later...

Ive been having Lowell send me letters a week before xmas 2015 and they've been coming in every 2 weeks now on the dot.

 

They are for a credit card i took out with Vanquis back in 2011. Circumstances changed and i couldn't pay it. Hey ho, i shouldn't of took it out in the first place. Younger and stupider me strikes again.

 

I'm not in a position to pay it back and Lowell are chasing me for 3 other debts (have threads for these).

 

The letters just consist of: we want to help you, and i recall a discount being offered a few weeks back.

 

 

What to do? Ignore or respond?

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Ignore... Sent Vanquis a CCA request to find out why the discount. Probably full of fees too, Then you have the ROP issue (their PPI)

 

Lowell now owns it, its "Lowell" on my credit report.

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CCA lowell, SAR vanquis depending on what lowell returns.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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You have 3 choices.

 

Ignore.

Send a prove it letter.

CCA them.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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You have 3 choices.

 

Ignore.

Send a prove it letter.

CCA them.

 

I ignored one CC with Lowells and i ended up with a claim pack.

The CC didn't even have one payment made to it IIRC.

 

I had planned to ignore it til the letters started getting a bit more serious, but figured you guys have more experience and would know better than me :)

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Well, its your choice, but those are the 3 options to you right now.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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You have 3 choices.

 

Ignore.

Send a prove it letter.

CCA them.

 

There is anther option of course, arrange to repay the loan.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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We are struggling to pay our everyday bills as it is.

 

OK.

I take it you have other debts ? have you considered a DMP, if you do not have the funds they will negotiate a token payment with the creditor.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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We are struggling to pay our everyday bills as it is.

 

Absolutely ...you must meet your priority debt payments first...this will hold...send a CCA request in the first instance...watch how their attitude and approach changes.

 

Regards

 

Andy

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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There is anther option of course, arrange to repay the loan.

 

If the debt is actually legit and legally enforceable. Very few vanquis debts are when sold

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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couple of old threads on the same debt merged.

 

 

might be best to revisit what you have done from day one by reading this merged thread now

please keep to one thread per debt

saves people duplicating advise and wasting their time

 

 

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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Well its some time since I posted on this thread way back in '14. So you are back again asking what to do and the advice is the same. Send the CCA off and see what they come back with. Its obviously full of charges..

 

 

Do the CCA's work yes they do and recommended, firstly to see if it is enforceable. As I said way back, I had the same issue as you and followed the advice the result was debt cleared.... Vanquish has Vanished... Never to return... ROP reclaimed fees reclaimed F&F settled at less than I would have expected. I was less well informed back then but now its water of a ducks back The advice has been given so take it or leave it....

 

 

Time to read the Conc rules again or just read them for the first time even.... Also I have a success story in that section too on more than one occasion... It works...

If I have been of any help, please click on my star and leave a note to let me know, thank you.

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Off topic posts removed..thread tidied.

 

Regards

 

Andy

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

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Well its some time since I posted on this thread way back in '14. So you are back again asking what to do and the advice is the same. Send the CCA off and see what they come back with. Its obviously full of charges..

 

 

Do the CCA's work yes they do and recommended, firstly to see if it is enforceable. As I said way back, I had the same issue as you and followed the advice the result was debt cleared.... Vanquish has Vanished... Never to return... ROP reclaimed fees reclaimed F&F settled at less than I would have expected. I was less well informed back then but now its water of a ducks back The advice has been given so take it or leave it....

 

 

Time to read the Conc rules again or just read them for the first time even.... Also I have a success story in that section too on more than one occasion... It works...

 

 

 

Section 78 requests have nothing to do with unenforceability they are about asking for information only.

On a 2011 agreement it is very unlikely that there will be any problem for them to send a copy anyway as they are computer generated.

As we know the unenforceability option on copy requests is only temporary and lasts only as long as it take for them to supply a copy, to do this the creditor does not even have to have sight of the original document he can just make one up out of contemporary data.

 

I am not aware of any court case which has resulted in an agreement being deemed permanently unenforceable due to a section 78 request.(nor could there be)

 

Should add that conc has nothing to do with unenforceabiity

Just for the sake of clarity.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Dodge while I agree with you about S78 last year lowells closed my vanquis account and wrote off 1300. I can only think it was because no DN had been issued. Well they did but it was a pile if cobblers.

Any opinion I give is from personal experience .

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Dodge while I agree with you about S78 last year lowells closed my vanquis account and wrote off 1300. I can only think it was because no DN had been issued. Well they did but it was a pile if cobblers.

 

Hi Fletch without wanting to interfere with this thread any further, we both know that creditors and DCAs do not pursue for a variety of reasons.

 

I dont know the details of your case but it can be becasue they wish to curtail a certain block of accounts and reconcile their books write off liabilities etc.

It could be that the debtor is being particularly awkward and it looking likely that they are going to have to employ legal counsel on an account which even if won would not be recoverable, or any number of other reasons.

I think I agree that the default notice issue has taken over form the copy requirements in being the most likely one to succeed, although it is still vanishingly unlikely, if push comes to shove.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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