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Lowells 2xPAPLOC now Claimform - Old Vanquis Card debt


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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

 

 

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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 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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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 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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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!

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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 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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  • 2 weeks later...

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

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why are you not ticking I???

follow the guide.

 

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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  • 3 weeks later...

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

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  • 3 months later...

2nd one for the same debt?

 

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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weird lot 

might as well

 

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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  • 1 month later...

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 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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  • 1 month later...
  • dx100uk changed the title to Lowells 2xPAPLOC now Claimform - Old Vanquis Card debt

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

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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  • 2 weeks later...

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 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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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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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

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