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Lowells take on Vanquis CC debt

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Received a letter today from Vanquis and also Lowells together stating my £1900 CC debt has been passed to them

 

CCA Lowells and SAR Vanquis?

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How old is the agreement ?

 

When did you default?

 

Andy


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Hi, Jan 2015 was default date, the agreement im not sure but approximately 7-9 years old

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So post April 2007......still worth sending a request and DSAR in case they decide to escalate to a court claim.


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Potentially, it may be 2010, ill try find out but i dont have paperwork from the agreement... anyway to find out?

 

What is the relevance of post April 2007 by the way? also by DSAR you mean a SAR?

 

Yes i read up about them doing such things hence thought i should post

 

Thank you very much Andy!

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yes, it is a dsar, which is sometimes described as a sar :)

also do a cca request to the current owner of the matter

it could be more difficult for them if the agreement was prior to '07


IMO

:-):rant:

 

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Much appreciated Guys,

 

On it and will post back asap

 

Have a good weekend!

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HI Guys, received correspondence back from Vanquis and lowel.

 

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 are considering this the CCA? is it ?

 

Lowell letter simply states they will ask the original creditor etc etc

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if you didn't send vanquish a CCA [which you don't need too]

then i'd guess that's part of your sar return.

more to follow?


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Hi DX, I did indeed send Vanquid both CCA and SAR.

 

It doesnt actually say more to follow it says thanks for your request and please find attached etc

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no worries. you asked if there was 'anyway to find out' about an unsure agreement. those can find out.

 

received correspondence back from Vanquis and lowel.

did you dsar and cca both vanquis and lowell?


IMO

:-):rant:

 

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Well whatever vanquis hold has no legal relevance


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in what sense?


IMO

:-):rant:

 

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its what lowells hold and produce...

whatever the OC has we keep to ourselves...:lol:


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ok, in that sense :)

in any event, whatever a creditor (or anyone) holds about a particular matter can be relevant, in legal terms.

here, lowells have apparently asked vanquis for 'info', whetever that is about.

i was wondering if OP had done both requests to both.

anyway, leaving it to you guys.


IMO

:-):rant:

 

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yes they have done both to both

that's why I'm saying keep quiet about what vanquish return.. it has no legal relevance if lowells take this to court.

what they don't produce is their problem...


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

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Thanks guys... sorry for the late reply. So in that case if the matter now lies with lowels i wont follow up on this letter vanquis sent. Still awaiting communication regarding the dsar/sar

 

Yes i did the CCA and the SAR to both

 

Ill keep you posted

 

Cheers!

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Hi Guys, bit of an update:

 

I received what Vanquis called a CCA,

nothing more than a few pages of some of my information, no SAR.

 

Lowells sent me a letter stating they were contacting Vanquis and would come back in due course.

 

I checked my credit file as i got a notification by emailed of a change,

and it seems my vanquis default has been removed and there is not one from Lowels either.

Strange but hoping they shyed away?

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Update

Lowell have now sent me the same CCA, it is literally terms and conditions and three pages of a computer printout of my details. Is this considered CCA? Happy to post up if need be

 

The DSar Vanquis sent was equally basic. I have noticed o didn’t actually request a sar from lowell yet as I previously said I did. Nextep, shall I request one?

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you never SAR a dca


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

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Reclaim mis-sold PPI Read Here

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Lowells are still sending letters to settle, what they have sent is nonsense, not signature nothing just a computer print out of my details

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Correct let it run


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

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Update: Lowell have now contacted me stating lowell solicitors are takign over, got a letter from them too, standard 'notice of acting'. As they failed to supply a proper CCA i shall not respond unless someone advises so

 

Thanks

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