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

[AndyOrch]

Oh well..trial it is then...if you lose you offer £5 a month.....dont forget they only paid in the region of £80 for the debt

[rockystar]

I thought they'd at least try and negotiate

Been stressing out and running around like a headless chicken trying to get some money together but they don't want it, would rather punish a person.

 

The idea of having this 'order' over my head for £5 a month for years and years is so depressing, y'know?

I guess if I call back and up the offer, that would be worse than leaving it?

I'll upload the documents as suggested by Jon8214.

 

Thanks for your help.

Edited August 9, 2018 by dx100uk
spacing

[AndyOrch]

Must be cash rich at the moment ...normally as stated they would bite your hand of for a F&F cash up front.I guess their more interested in the Charging Order which will come next after judgment ...assuming you own your own property.

[dx100uk]

we need to see this WS and all the exhibits please [minus statements]

its not often we find they get everything right esp with vanquish stuff

they tend to copy and paste hoping you wont notice its a pick n mix from their filing cabinet not the originals from vanquis

 

one multipage PDF please

read upload

[Old Cogger]

they want it on their books all or nothing

[rockystar]

I certainly don't own a property! Not even a job right now I will upload, just taking time.

 

Thank you all again.

[AndyOrch]

Oh dear ...bet they wished they had accepted your offer now:becky:

[rockystar]

Hi again, ai've uploaded the redacted exhibits. Thank you.

Lowells redacted Exhibits-.pdf

[dx100uk]

so wheres the agreement and all the T&C's?

 

 

that WS is a bit waffly and repetitive and does really say anything concrete

[rockystar]

Good morning

 

I didn't upload the Digital Signature Application details or the many pages of Pre-Contract Credit Information (T&Cs) as I thought they would just be standard. Nowhere have I signed anything on these pages

. Also, I left out the pages and pages of transactions which are Exhibit PR3.

 

How shall I handle this court hearing?

Is there anything I should refrain from saying, anything I should point out.

 

For example: should I point out that despite being unemployed with no savings or assets (I do have a 12 year-old Toyota) that I tried to settle before the court date?

 

That Lowells where late filing, as Jon8214 mentioned.

The conversation I had in which the Legal Recoveries Associate said that it didn't matter to Lowells whether it took 10 or 20 years for me to pay the amount under a Tomlin Order rather than settle before court.

 

That there is no actual documentation with my signature on it. Etc.

 

Any tips? And what do you think my chances are?

 

Thanks

Edited August 10, 2018 by dx100uk
Spacing

[jon8214]

we need to see the T&C's as that's what they usually cut and paste the only things we don't need are the statements

[rockystar]

Ah, right. Okay. I'll upload the rest. Thanks Jon8214

[rockystar]

Here you go! Thanks for your help

Vanquis T&Cs for CAG 10 Aug 2018 11.05.pdf

[jon8214]

my first thought is that is an unexecuted agreement which in my mind means it was provided before the CC was taken out and doesn't have the proscribed terms

 

Andy and DX will be along later to confirm

[Old Cogger]

my first thought is that is an unexecuted agreement which in my mind means it was provided before the CC was taken out and doesn't have the proscribed terms

 

Andy and DX will be along later to confirm

 

this is an on line application "X" taken out 2009,//// ???? correct???? - and serves

[rockystar]

Thank you Jon8214. I'm not sure what that means Old Cogger. So no one thinks I should go back to Lowells and try and up the offer?

[rockystar]

Could this end with me losing my old but useful car or having bailiffs sent round? O.o

[Old Cogger]

this is an on line application "X" taken out 2009,//// ???? correct???? - and serves

 

 

Means on line sign up using "X" not a signature which is legal acceptance of agreement taken out after 2007/8!

 

so previous poster comment about not an application form, is relating to old wet signature application form prior tp 2207/8 to on line ones .

[rockystar]

Thanks for explaining Old Cogger

[rockystar]

So no one thinks I should call Lowells again and up the offer? Could this end with me losing my old but useful car or having bailiffs sent round? O.o

[Old Cogger]

any old car would not be taken away = no value ???

[Old Cogger]

@dx100uk

[dx100uk]

Could this end with me losing my old but useful car or having bailiffs sent round? O.o

 

only if you lose and don't set up payment plan with in 28days

 

cant see that happening!!

[rockystar]

Thanks dx100uk

Very specifically,

do you think it's worth calling Lowells again with a higher offer?

 

As mentioned previously,

I have scraped together £700 in total to try and settle

but when they refused the offer of £450 and didn't try to negotiate, I left it.

Thanks

 

On their correspondence, they say their offices are open to 8pm on Friday and between 8am-2pm on Saturday.

[dx100uk]

Pers i never recommend ever paying the fleecers an f&f

With your financial situation i expect you could get away with £5-£10pcm if you lose

Is a ccj going to harm your future plans i.e mortgage if within 6yrs?

If you need to avoid one then f&f or go tomlin