Jump to content


patterns

Lowells take on Vanquis CC 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

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

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...