Jump to content

LOWELLS Claim Form - old vanquis card debt***Settled F&FS***

Recommended Posts

Claimant - Lowell Portfolio 1 Ltd


Date of issue – 23 January 2018


What is the claim for –


1) The Defendant entered into a Consumer Credit Act 1974 regulated agreement with Vanquis under account reference XXXXXXXXXXXXXXXX ('the Agreement').

2) The Defendant failed to maintain the required payments and arrears began to accrue.

3) The Agreement was later assigned to the Claimant on 31/03/2014 and notice given to the Defendant.

4) Despite repeated requests for payment the sum of £742 remains due and outstanding.

And the Claimant claims

a) The said sum of £742

b) Interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, accruing at a daily rate of £0.163, but limited to one year, being £59

c) Costs


Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol)? Unsure


What is the value of the claim? £931


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 2007? 2009


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 purchaser


Were you aware the account had been assigned – did you receive a Notice of Assignment? Unsure


Did you receive a Default Notice from the original creditor? Unsure


Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Unsure


Why did you cease payments? Unemployment


What was the date of your last payment? Unsure


Was there a dispute with the original creditor that remains unresolved? Unsure

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Unsure







First of all, thank you to everyone who helps on here, you're amazing! :grouphug:


I've been issued a Claim Form from the County Court Business Centre regarding a 2009 Vanquis credit card debt which is now with Lowells.


I used MCOnline to register and Acknowledgement of Service 10 February 2018 and have a PDF showing this date (I think I just made it in time!) I ticked 'defend all of this claim' and 'I intend to contest jurisdiction' (advice from another thread before landing here).


That same thread said to send a CPR18 Request for further information, which I am doing now from their template as well as a separate CCA Request letter.


Looking for advice on whether this is the right course of action.


Thank you all so much.



Share this post

Link to post
Share on other sites

Don't send a CPR 18 send a CPR 31.14 both of which are available in the library


Was the last payment with in 6years? If your not sure phone the original creditor and ask last payment date

Share this post

Link to post
Share on other sites

Ah, right, thank you. I'll check it out.


I'm not sure, it may well be over 6 years. I'll do that on Monday.


Thanks again! :-)

Share this post

Link to post
Share on other sites

not very helpful to answer unsure to almost every question

and where did you get the info from that said send a CPR 18?

Share this post

Link to post
Share on other sites

Hello again


Yes, sorry, I know it's not very helpful but I just don't have any paperwork and can't remember :/


So, I just called Vanquis, and they say they don't have/hold any details of my account at all.

I found one old Vanquis card (not the original) in an old wallet with a valid from 03/2012 date on it.


They tried searching for this number but couldn't find anything.

The upshot is that I can't find out when the last payment was made, unfortunately.


I got the ideas that I needed to use CPR18 from another forum


So, what should I do now? Send the CPR 31.14 Request followed up by a CCA Agreement Request?


Thanks all, really appreciate your help. :)

Share this post

Link to post
Share on other sites

now go back and ring vanquish against


ask for the last payment date

if they wont tell you


tell them that under

the prevention of fraud act


the data protection act

they MUST hold your data for atleast 6yrs


ask to speak to a supervisor/manager


if they still wont give you the info

tell them you'll be on the phone to the information commissioners office and will be raising a formal complaint against them right now

Share this post

Link to post
Share on other sites

Update: got back on the phone to Vanquis and said what you suggested.


I was put through to someone else and told that the information,

although held on an electronic archive, was not available to give over the phone.


This is because, they say, it would be a data breach so I have to write and request the information.


With regard to the letters, I don't have a printer and can't find one locally (been everywhere I can think of) but I can do it tomorrow and send them recorded then.


I hope I've now attached the letters on a link. Sorry about before :oops:


Thank you both.

Forum copies Lowell:Vanquis.doc

Share this post

Link to post
Share on other sites

we don't need to see our own filled in templates

we know what they look like!!

please don't publish them in the open forum!!



Share this post

Link to post
Share on other sites

Yikes! I'm a bit of a disaster at this!!! Okay, so I'll send them tomorrow and update here if I hear anything.


Thanks and sorry!!!!!

Share this post

Link to post
Share on other sites

Neighbour library

Could you not phone your bank and ask last payment to vanquis?

Or if you have online banking webportal look there too

Share this post

Link to post
Share on other sites

I no longer have the account I had at the time or any information about it, so I'm stuffed. Apart from the CPR31.4 and CCA requests I'm sending tomorrow to Lowells should I be sending a letter asking for this info to the address Vanquis gave me?



Share this post

Link to post
Share on other sites

Go ring the bank and ask


I'm pretty sure we've had info over the phone from vanquis

I can't see why writing is needed


Can you not email them an attached and signed letter

With say a ctax bill copy to get the info

Share this post

Link to post
Share on other sites

Hello again! :typing:


I have been offline for several days but here is the latest.


I did as you suggested and again telephoned Vanquis to request the last payment date on the account (third time). Again I was told that there was no information about the account. I asked if I could email my request with proof of identity but was told this was not acceptable. After consultation with another department, I was told that the employee was not allowed to send emails outside his department. I was told to send my ‘access request’ by post and that:



  • My request must contain my signature
  • A fee in the form of a postal order for £10 must be enclosed
  • That it could take up to 40 days from receipt of request for them to respond
  • That I would not receive statements but rather a spreadsheet of all historic transactions


Also, I've not received any response to my CCA and CPR 31.14 request but did receive a letter entitled 'Notice of Pending County Court Judgment'.


So, I am today preparing my defence (due tomorrow) and have documented what I've done so far. Is there a template on here I can use to make this more professional?


Thanks everyone

Share this post

Link to post
Share on other sites

you need to go READ other threads

unless you've done it whilst not logged in

you don't appear to have read ONE other like thread.


its not a template

as each POC differs

however if you use our top red toolbar search CAG box


cliamform Lowell card


you'll see other peoples examples.

Share this post

Link to post
Share on other sites

Okay, thank you. I'm not used to forums and for some ridiculous reason find them hard to navigate so thanks for being so clear. Ditto the legal stuff, it's all a bit mind-boggling! Will get into it now. :-)

Share this post

Link to post
Share on other sites

have a go and we'll guide you

post up what you think

we don't just hand them out as you must understand your defence else you'll look a fool infront of the judge

Share this post

Link to post
Share on other sites
Please fill in your quit date here

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.

Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Tweets

  • Our picks

    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      Do you have a mortage arears claim to make? Then post your story on the forum here
      • 0 replies
    • 30 Day Right To Reject - Vehicle Casualty Report. Read more at https://www.consumeractiongroup.co.uk/topic/415585-30-day-right-to-reject-vehicle-casualty-report/
      • 9 replies
    • I am new here but very glad to find my way here and would welcome any input.
      i purchased a brand new campervan conversion from Hillside Leisure (175 miles from our home) on July 26th for £31,000 and, within 48 hours, during a storm, the alarm began to sound incessantly. We could not get it to stop, even after trying everything listed in the manual. We phoned Hillside on Saturday July 28th around 2.00pm. The young man who answered the phone said he would seek the advice of their technician and call us back, which he did. The technician told us that they, Hillside, couldn’t help, but that we should take the van to Nissan (the van is a Nissan) as the fault would lie with one of their components.
      • 42 replies
  • Create New...