Jump to content


patterns

Lowells 2xPAPLOC now Claimform - Old Vanquis Card debt

Recommended Posts

Hi Guys,

 

Ok so today i recieved a PAP from Lowels solcitors today.

 

To recap:

CCA sent to both Vanquis and lowel, they provided nothing more than a computer 3 page print out of my details and the Terms pages

SAR sent to Vanquis only - not much returned apart from statements

i have NOT declared any communication to either or party as advised.

Someone asked the start date before = 2013, delinquent date says 0003 on the credit file

 

NEXT STEP:

So im going to follow previous protocol here and do the following:

So im going to send off my reply today and wanted to double check i have everything right:

 

PAP reply form from CAS here:

https://www.consumeractiongroup.co.uk/forum/showthread.php?481827-The-Pre-Action-Protocol-for-Debt-Claims-is-made-by-the-Master-of-the-Rolls-as-Head-of-Civil-Justice.-1st-Oct-2017(1-Viewing)-nbsp

 

box D ticked

 

I dispute this debt because..the debt purchaser has yet to provide any or all of the required documentation.

 

box I ticked

I am requesting by way of a CCA Requestlink3.gif the signed agreement. AND INCLUDE a CCA request found here:

https://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974

Include £1 PO

 

THEN also write I also require.. Written on a separate page:

 

a copy of the Default Notice

A copy of the Notice of Assignment

A complete set of statements detailing exactly how the debt has accrued detailing:

I. All Transactions.

II. any additional charges, by the original creditor or XXXX the debt purchaser or any predecessor DCA.

III. details of all contractual interest added by whom and on what date.

IV. List of ALL Payments made toward the Agreement

 

That's it right, anything ive missed?

 

Thank you once again for all the help

 

 

Share this post


Link to post
Share on other sites

scan up to one multipage pdf [read upload]

what LOWELLS sent in reply to you CCA request please

 

hold the PAP reply for now

when was your last payment?

 

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Last payment was 7/2015, last fee out the account before closed was 12/2015

Share this post


Link to post
Share on other sites

via a pm this is what was sent

 

total rubbish if this is everything patterns

a mixture of 2 sets of T&C's that can be downloaded from many sites inc cag

 

totally unenforceable

 

 

pages.pdf


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Wow thanks so much Dx at this hour for your help yet again, ever endebted to you and this forum

 

Yes that was everything they sent,

exactly what vanquis sent also,

 

Well vanquis did send a summary of my transactions also but that was quite a few pages long,

sorry if i should have included that.

looked pretty rubbish to me also considering i sent a SAR to vanquis!

Share this post


Link to post
Share on other sites

so back to returning our pap reply form...

 

I dispute this debt because..the debt purchaser has failed to comply with my CCA request in a satisfactory manner.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Hi i was just logging in to ask that question

 

great thanks, sending off tomorrow

 

so ill just tick box D and not box i

 

Thanks again

 

Hmm just noticed the letter was dated 16th even though i received it on the 26th, hope this isnt going to cause an issue

Share this post


Link to post
Share on other sites

why are you not ticking I???

follow the guide.

 

dx

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

ok i'll tick i sure

Share this post


Link to post
Share on other sites

update guys:

received letter from lowells sols saying they will look into the matter with their client ..lowells :)

 

completed PAP as advised and yet again ever so grateful. Just wanted to keep an update for anyone who may be in a similar circumstance

Share this post


Link to post
Share on other sites

hi guys,

 

lowells have sent me a PAP  re this. shall i respond with the standard PAP protocol?

Share this post


Link to post
Share on other sites

2nd one for the same debt?

 

dx

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

yep second one... guess i need to reply again right?

 

Share this post


Link to post
Share on other sites

weird lot 

might as well

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

so update, i sent it off an silence again, not even a response to my reply

Share this post


Link to post
Share on other sites

So thats good news...well past their 30 days.....come back if you receive a court claim.

 

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 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

Share this post


Link to post
Share on other sites

HI Guys,

 

Have received a county court claim today dated 12th nov. im going to fill out all the CAG questions in this link and post shortly

 

Share this post


Link to post
Share on other sites

Name Of Claimant - Lowell

 

Date of Claim - 11th nov 2019

 

What is the claim for – the reason they have issued the claim?

1)   the defendant entered into a consumer credit act 1974 regulated agreements vanquis under account reference xxxxxxx

2)   The defendant failed to maintain the required payment, arrears began to accrue

3)   The agreement was later assigned to the claimant on 29 September 2017 and notice given to the defendant

4)   Despite repeated requests for payment, the sum of 2247.91 remains due outstanding

And the claimant claims

a)The said sum of £2247.91

b)The interest pursuant to S 69 county courts act 1984 at the rate of 8% per annum from the date of issue, accruing at a daily rate of £xxxx, but limited to one year,  being £xxxx

c)Costs

 

What is the total value of the claim? £2247.91

 

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? No I received the PAP twice?

 

Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? NO

 

Did you inform the claimant of your change of address? NA


Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? CREDIT CARD

 

When did you enter into the original agreement before or after April 2007 ? NO

 

Do you recall how you entered into the agreement...On line /In branch/By post ? BY PHONE/POST

 

Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? YES

 

Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DEBT HAS BEEN PASSED TO LOWELLS

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? I CANNOT RECALL

 

Did you receive a Default Notice from the original creditor? I BELIEVE SO YES

 

Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? NO

 

Why did you cease payments? LOST MY JOB AND COULDN’T AFFORD PAYMENT/INTERESTS

 

What was the date of your last payment? APPROX JAN 2015

 

Was there a dispute with the original creditor that remains unresolved? I asked for the CCA and they sent me a computer printed balance statement

 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? I believe I contacted them explaining I had lost my job and for a holiday period which they refused. Although I cannot recall 100%

 

Just to sum up what has happened through this thread:

-       defaulted around May 2015

-       2017 lowells got involved, asked for my CCA from OC and SAR. Vanquis, no acknowledgement of the dsar/ sar, they have however sent me their terms and conditons, fact sheets, along with 2 computer print outs of my details. I think they were considering it the CCA.

-       lowells sent pap, replied, they sent again, replied again

-       Court claim

 

 

Edited by patterns

Share this post


Link to post
Share on other sites

pop up on the MCOL website detailed on the claimform.
[if mcol is not working return after the w/end or the next day if week time]
.
 register as an individual
 note the long gateway number given
 then log in
.
 select respond to a claim and select the start AOS box.
.
 then using the details required from the claimform
.
 defend all
 leave jurisdiction unticked
 you DO NOT file a defence at this time
 click thru to the end
 confirm and exit MCOL.
.
.
 get a CCA Request running to the claimant
https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/
 leave the £1PO blank and uncrossed
.
.
 get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant]
.
.

https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/
.
.
type your name ONLY

no need to sign anything
.
you DO NOT await the return of paperwork.
you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]
 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Thank you DX! and Thanks also Andy

 

AOS done on MCOL

CCA sent

CPR sent

 

Lets see what happens

Share this post


Link to post
Share on other sites

but don't miss defence filing date no matter what..


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

hi Guys, ive not heard a thing from Lowell, shall i file tha defense now?

 

What shall i put as the defence? that they have not provided any relevant documentation?

Share this post


Link to post
Share on other sites

you should be a master at these court claims by now and shouldn't have to ask such basic questions.

 

and its been 3 weeks to ponder and find the right one.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites

Yes you're right my apologies, i was just worried to say the wrong thing, im reading up now thank you Andy, and will post it hear just to double check its ok, ive got a pretty good idea but will read up some more first

 

Thanks again guys

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...