Lowells/? claim form - OH's old Vanquis card 'debt'***Settled by Tomlin Order***

[jaycwl]

No my family you don't need the defence yet.

 

Just log onto mcol click acknowledgment,

defend all

, leave jurisdiction unchecked

go to the end of that, then log out

 

. these guys on here will point you in the right direction for a defence.

 

you do need to get a cca request in tho asap

 

Also I might be wrong as I'm pretty new but I think if you defend and get as far as mediation, you can agree a payment plan there if you wish and not receive a ccj, but I'm not sure on that.

[jaycwl]

Have you uploaded the agreement,

default notice and anything else that they have sent

and let the guys check that its legal,

because if not there's a start.

[jaycwl]

OK I'm no expert at all with this stuff, but I can't see any notice of assignment.

 

 

Lowell informing you of them buying the debt.

Also seems to be a lot of charges on the account, and the payment in June was that from you?

 

 

Just make sure everything is correct from their side,

 

 

there's a reason vanquish sold the debt if they had the original agreement!

 

Andy and DX are pretty good at picking apart these things hopefully they can help more.

[jaycwl]

I think what he's trying to say martin is he used a no paperwork defence but they have sent paperwork now.

 

 

Also most of the WS are no paperwork ones, so what should he use?

 

The thing is myfamily WS is your personal account on what has happened.

In your case you want to show the claimant it's not going to be easy and that even what they have sent isn't perfect.

 

 

Hopefully (dismiss) best case scenario or arrange a deal,

but neither will happen if you don't show some flaws in there claim and paperwork

 

I've picked up on no notice of assignment but can anyone else find anything wrong with what they have sent?

[jaycwl]

There is no templates for ws my family, you need to write this in your own words. You need to explain how they have not followed everything down to the t and how you are going to defend this EG no notice of assignment. You need to set some doubt in the claimant so you win or get a good reduction on a settlement.

are all the details correct in everything that they have sent ? dates, addresses

 

This is the ws I did in my case with hoist, its not the best but you will get a general idea http://www.consumeractiongroup.co.uk/forum/showthread.php?462050-Hoist-Claim-form-old-Barclaycard-debt-***Claim-Discontinued***/page3

post 49

 

knowledge is key, go have a really good read on lots of other cases and get the whole idea of what goes on and what to expect. No one can do this part for you but ive found if you give things a good try first then people can give constructive criticism and tell you what to change.

[jaycwl]

Get straight on with drafting your WS myfamily, then post it up here for the guys to have a look at for you.

 

I would deliver it yourslef at your local court tomorrow, that saves with the wait on postage and then your only

one day late. Then send the claimant his copy 14 days before so he doesn't get it to early