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    • They have sent all the paperwork ie ntk up to lbc with an incorrect spelling of my name. Looks like the person I bought the car off spelled incorrectly hence dvla have an incorrect spelling but I never clicked on beforehand. Firstly I will need to find the log book and contact dvla of the correct spelling. What does this mean for me as far as VCS are concerned? 
    • I would certainly not advise you to use the vehicle on a day-to-day basis. The situation would become extremely complicated in the event of an accident or a vehicle theft or something. These risks are even present if you are merely using the vehicle to take to a repairer and so it would not be advisable there either. In the circumstances it might be better to rely simply on the findings that have been made so far by garages and to leave it there. That seems to me to be a reasonable approach. You could invite elite to inspect the vehicle and in fact you should make that very clear in your letter so that you can demonstrate that you have attempted to be open and cooperative in any way. I think it would be helpful if you posted a bullet point chronology of the defects which have now been identified. By the way, is now scheduled to be posted within the next two or three hours and it will include the tweet handle of Elite so that they will now see that this is being discussed on an open forum.
    • Hello BankFodder. Firstly thanks for your help with this. I do appreciate your candid response. Sorry my post was so long-winded. I am working on a 1050 character precis for the claim form! I only uploaded 2 pdfs in the end. One being the email of rejection. I will use this to send a letter and include 'after which I will sue without further notice' text.   Can I keep using the vehicle after issuing the rejection? I don't want drive it to but would need to limp it to a garage to get assessments and quotes. I would have to borrow the money to get it trailered.   I am 100% seeing this through. I cannot lose this much money. I want to get all the paperwork ready immediately so it can be issued on day 15. I will post the particulars of claim here for checking. Thanks again.
    • I've just seen your new post. A letter before action is the same as a letter of claim. You don't need a template. You simply need to inform the garage that the vehicle you bought has developed X defect, Y defect, Z defect. He has already been informed of them and given an opportunity to repair and he has either refused the chance to repair or else he has attempted the repair and it has failed – whichever is the case and so under the consumer rights act you are asserting your right to reject the vehicle and you want him to make the appropriate arrangements to collect the vehicle and to refund you the purchase price – plus any associated losses – and if he does not do so within 14 days then you will sue him in the County Court and without any further notice. Don't make this threat if you're not serious about going ahead with it. On day 15 issue the papers. In the intervening 14 days register with money claim and start preparing your particulars of claim. You can post them here if you want us to check them. Whatever you do, on day 15 you send them the good news
    • Well done Shelley. I'll amend your thread title.   HB
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Martyn1984

Lowell/BW Claimform- Vanquis Card - poss SBd***Claim Dismissed***

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Hi all,

 

Today my wife received rather thick envelope containing letters from Lowell and BW Legal, containg a reply form, which after looking about online seems like a new thing (pre action Protocol?).

 

My wife hasnt heard anything about this debt in a very long time, plus we moved home last year so that possibly hasnt helped matters.

 

The debt is for Vanquis Bank (Credit Card) and was defaulted on 31/10/2012 - no payments have been made since before this date and its approaching being statute barred.

 

Whats the best way to proceed WITHOUT acknowledging the debt?

 

Do I tick boxes D to dispute the debt and tick box I and ask for more information? If so what information?

 

Should I also sent a normal CCA letter with the reply form?

 

Do I now just deal with BW Legal seen as all this has come from them as Lowel say it has been sent BW Legal?

 

Many thanks

 

Martyn

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

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Ok many thanks.

 

I’ll get her to ring them tomorrow to ask when the last payment was made.

 

Does that not restart the clock with making an enquiry about the account?

 

Many thanks

 

Martyn

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ofcourse not, ......:!:

what a strange world it would be if a ex customer cant ring and simply ask a question ...


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

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

 

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My wife rang Vanquis this morning to be told they are apparently unable to see any information on the account as it’s over 4 years old?

 

They could see the account but not access anything on it?

 

Should I just proceed completing the form as previously mentioned and send the CCA request to BW Legal?

 

Thanks.

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now go ring them back

 

tell them

under the prevention of Fraud act

and

the data protection act

they MUST hold data for 6yrs.

 

if you don't give me my information I will put this phone down and immediately ring

the information commissioners office and raise a serious complaint

 

ask to speak to a supervisor or manager

not the normal phone script jockey.


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

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Hi,

 

After going round in circles with Vanquis I spoke to them today and they are apparently unable to see the information and were trying to get us to send a SAR request but obviously we don’t have time seen as BW Legals letter says payment or response by 22nd Feb before they issue court proceedings.

 

A supervisor is requesting the Information from a back office team and claims this will take upto 7 working days

 

As that’ll take us upto 8/9th Feb I guess that’s ok?

 

Do you recommend to wait until we find this info out before returning the reply form asking for more info?

 

Thanks.

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they are not bailiffs

they have zero legal powers to impose any time limits

and can be somewhat ignored

 

if the debts sb'd then it wont be going anywhere


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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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YES, you wait.

 

Any time limits Lowlifes and BW Illegal state in their missives are purely arbitrary, and whatever the clowns have sent you demanding you fill in, IGNORE.

 

YOU will demand what information YOU want, not be dictated to by some powerless DCA.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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The saga with Vanquis continues...

 

Told this morning that they don’t have the information or are able access it!

 

Told them about fraud and data protection and making a complaint to information commissioners office.

 

Some manager has gone off to look into it...

 

Why have I got a feeling he’ll ring back still claiming they can’t get the information.

 

Then what do I do?

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they'll find it they always do.

dx


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

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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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You’re right...

 

Phone call received.

 

Last payment to account was on 28th February 2012.

 

Now what?

 

Many thanks

 

Martyn

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SO in 20 days it'll be SB...


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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great vanquish always cough when you wave the ICO flag at them.

what date was your pap letter from them please?


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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19th January saying if they don’t hear back by 22nd February they’ve been instructed to issue a claim.

 

How does the statute barred date work with the dates on this letter?

 

Do I need to send them anything ?

 

Should I say I disputed it and my reason being I don’t recognise it?

 

By time they reply it’ll be after the 28th Feb?

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So should I fill in form requesting more information so the time passes as they are meant to reply with the info?

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once a claim issued SB parked up

 

Yes, but this is only the PAP letter isn't it?

 

If they fail to hear anything by the 22nd Feb then they'll issue a claim........SB on the 20th.....


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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no they say INSTRUCTED

not WILL

 

please read the letters properly.

 

I can instruct my dog to stay

IF they do is a TOTALLY diff matter

 

what date did you get the pap letter please??


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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then fill it out as already advised on that thread post 6

and send it back on the 23rd

 

by the time its processed - the debt will be dead


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 

 

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Hi all,

 

Today my wife received an e-mail from BW Legal stating they have issued a claim against her on 6th March 2018 and to expect the claim in the post. I have attached a picture copy of the email.

 

I sent the PAP back to them with signed for delivery and they signed for it on 19th Feb 2018, well within the timescale they set, they have not responded apart from this email.

 

The debt became statute barred on 28th Feb 2018, before they issued this claim and they haven't even responded to the PAP requesting all the information...

 

What am I to do now, wait for the claim obviusly but after that?

 

They havent responded to my request for more information and also the debt became statue barred on 28th Feb.

 

Many thanks as always.

CLAIM.jpg

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Well they shouldn't be doing that, they've ignored pap

Judge won't be too pleased and of course its sb'd anyway


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 

 

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Thread moved to Financial Legal Issues Forum in view of the anticipated court claim.

 

Regards

 

Andy


We could do with some help from you.

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