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    • we need to prepare Non-guarantor paperwork for you which will cost >>> you >>> £895. This paperwork will act like a guarantor for your loan for >> the >>> whole loan period.  Before we provide this loan to you we need to >> make >>> >>> sure that after you receive this loan we should not lose the money. >> So >>> >>> we have to show to the financial conduct authority that you can pay >>> your >>> repayment on time. >>> >>> So, in this case you are required to pay the Guarantor paperwork > fee >>> of >>> £895 which is just the one-time payment and will be refunded along >>> with >>> your loan amount. Once, you cleared this guarantor fee than we will >> be >>> >>> able to transfer your funds to your bank account within 60 minutes >> of >>> time. >>> >>> Note:- Just because of paperwork your transaction is on hold please >> do >>> >>> this & get your money before 12 today. >>> >>> Regards, >>> Linda Thomson >>> Manager >>> Account & Transfer   what  she has now been told as well as this     Cancellation on this stage of the loan will cost you with 590 pounds >> as >> this amount is been debited from our account,so please do the final >> payment and get the amount sorted for you. >> Your co-operation will be much appreciated.
    • Good. Well done. Now the thing to do is to understand what your losses are if anything. I'm sorry to admit that I don't really understand anything of it that we want to make sure that you don't come out the loser on this. So let's have some of the story. Your car was involved in a non-full accident which apparently wrote it off. It turns out not to be written off at all. What kind of car is it, mileage, model, age – et cetera? On the basis of a write off – the insurance company settled with you for £XXX? The replacement value of the car should be £ZZZ. What are these values, and do you feel that you got the full replacement value? What is the cost of repairing the vehicle now that you know it is not written off? And of course you're dealing with Hastings insurance company who quite frankly I getting a pretty poor reputation around here. If you would find a way to trust pilot and a Google and anywhere else and start putting up the reviews about them and what they are trying to do to you. It's extraordinary that the assessment of its condition was so wrong – and of course in their favour. And it's extraordinary that they "forgot" to let you know about the change in assessment. Well done on picking it up in the first place.  
    • Today I have had the misfortune to receive a letter From Cabot informing me they have passed an old Vanquis card debt to Global debt recovery, on the back of the same page was the letter from Global debt recovery, times must be hard if they need to share the same piece of paper, the debt they are referring to was disputed due to the PPI [problem], all other agency's let it go and paid out but Cabot were realy nasty and just refused to accept any of the legitimate claims I put forward with the help of this group, but then they just went away well now they have reared their ugly heads again, realy don't need these parasites now I am finally getting back on my feet. I have attached the letters below. As always would be very grateful for any advice.
    • Says the person who self-admittedly NEVER voted Labour before Corbyn   Jase its that head in the sand of the loons who are holding the party to ransom that are the problem.
    • I'm not getting into this again... shall we just change it to propaganda in general so as to come together on the issue..   Although I'm at a loss to know what left wing propaganda I fell for to make me vote for Labour.  But I guess that is the point.  Everyone takes a particular point of view
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Hi..

Sent a SAR request last week to Lowell for a Vanquis CC debt and Halifax loan .

 

Got a letter back today to say they have received and sending all paperwork from when they purchased the debts but if I require anything before that i need to SAR the OC.

 

Surely as the supposed owner of the debt they should contact the OC or have all original paperwork such as statements etc sent to them once purchased ..or do I indeed have to contact OC ?

 

Wanted to check before I send a curt reply letter back to Lowell

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Yep they're correct, you only ever SAR the OC, CCA's go to powerless DCA's.

 

Waste of a tenner unfortunately.


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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never mind I can still see what Lowell have on myself

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It'll only be correspondence they've sent you, and anything you've sent them, they hold nothing else.

 

Ignore Lowlifes from now on and deal direct with Vanquis, & Halifax what's the story??


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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Vanquis card , missed payments due to loss of job , lots of chargers and fees.

..would not accept payment plan ,

finally closed and sold to Lowell.

 

I think last time I used the account would be around 2012 ish

 

Same with Halifax chargers and fees , honouring DD's with no money in account finally ramped up to around £3k and then sold on to a DCA..

 

.I also have another Halifax account with Lowell which is currently in court process but that's in another thread..

 

Halifax are currently sending me statements in relation to all the above as there were two Halifax accounts I had both with excessive overdraft fees...

 

I don't believe Vanquis will even hold any details anymore on this closed account

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SAR Vanquis. They have to retain all of the data regarding accounts for six years AFTER they close the act.

 

SAR Halifax re the account, was this an agreed overdraft?

 

Reclaim ALL of the fees/charges and interest at their rate.


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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was it sold on?

did you get an official notification assignemnt of the debt or just a letter saying Lowlifes are now dealing with it.

 

Have Lowlifes being sending you annual statements?

if not then I would bet that they dont actually own it.

 

AS said, if you want details of the account then Lowels will never have this and they wouldnt be entitled to see them even if they wanted to under data protection law

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Yes sold on, no notice of assignment just letter from Lowells to say we have this debt you owe us etc etc..

 

Last paperwork from Vanquis was years back I would say 2012/13 possibly...

 

I think I may have sent them CCA request at some point but they still sold it on..

 

.judging by the posts on here Lowells are on a roll with CCJ action

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DCA's issue 750'000 speculative claimforms every year

but they now have to abide by the Pre Action Protocol

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

 

so you'll have ample warning


please don't hit Quote...just type we know what we said earlier..

 

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I received a letter from Lowell in Dec which I believe is pre action letter but will post up here to ensure they have met the criteria

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Hi..

Just a post that is not asking for assistance on charges , threat letters or court appearance etc.

 

In fact this is to give those on here some hope to keep plugging away at their debt and especially DCA's whose only aim is to extract money and to show you can eventually defeat them.

 

Quick overview : Vanquis card taken out back sometime around 2009/2010 ,

usual issues lost job ,

could not afford payments,

charges on top ,

defaulted ,

 

passed to a few DCA's and landed up at Lowells doorstep who placed a default on credit file around 2012/13.

Amount owed £790 mostly charges and fees.

 

Numerous letters back and forth ,

usual court action threats followed by reduced amount offers and the final year fortnightly toilet paper stating you have not agreed a payment plan we are here to help etc.

They were getting desperate knowing the stat barred limit was approaching or had elapsed.

 

I in return sent them CCA requests ,

SAR requests ,

prove it letter none of which they provided and

I continued to enter in to any dialogue unless they provided.

 

last week I received a letter from Lowell to say in the interest of both parties they have decided to no longer chase the alleged debt,

are closing the account ,

zero the balance and update credit file this month.

 

Bear in mind I have just defeated an attempt in court for an another alleged debt of £3500 from an old Halifax account again close to stat barred date but nonetheless still active.

 

With the help on this forum it went all the way to a court date in my local town but Lowell did not provide any witness documents while I did.

fact they provided no documentation apart from copies of old statements which were for two different bank accounts and were lacking any DN or assignment letters plus doucmentation from Halifax as I identified the account had been changed from a non paying to a fee paying one at some point which had to be provided in writing by Halifax before this could be actioned of course Lowell had none of this.

 

judge ruled and struck out ( the letter from the court is in a safe place for future usage in case they come back) :-D:

 

listen to the good advice on here,

keep all your documentation to hand ,

ensure you always file documents on time if a court case is ongoing but most important don't be afraid of the DCA's

and don't listen to their cr@p about legal jargon most of the time they are playing to peoples lack of knowledge around consumer law.

Oh don't forget to keep contributing to CAG !!!!

 

Thanks to all those who have assisted in the past !

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