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Lowell solicitors vanquis card debt - pre action letter response wrong default dates


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Hi all. Brief background to my delimma;

 

Opened up a vanquis account back in mid 2013, kept on top of it for a few years until I went through an extremely difficult time, they increased my credit limit to £2000 around the same time and I blew the lot and stopped paying because I didn’t care about anything.

 

It was then sold to Lowell’s solicitors I ignored the first letters until I received the pre action protocol letter.

 

I responded to that asking them to prove it.

 

Today they replied stating they were waiting for response from creditor and my account is on hold in meantime. Total debt is £2396.

 

But I also noticed some of the information on this letter is wrong.

The last payment date and the amount is incorrect and also the default date.

 

I checked through my bank statements and they’re a month out with the payment date. They have my last payment as November for £70 odd, but my last transaction was in the October for £30 odd. Then the default is recorded in May the following year.

 

I’m wondering if it’s worth letting it go to court if they seem to have wrong information. Would be really grateful for any information or advice anyone has. Many thanks.

Edited by dx100uk
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Don't tell them anything. Wait for the response from the request you sent first. You can use everything else against them

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Did you send a cca request with your pap response?

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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then send a new one

 

thread retitled and moved to the provi forum.

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Did you send a cca request with your pap response?

Yes I did, but I didn’t send the £1 postal order as I didn’t realise I was supposed to until reading the link in comment.

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per s i'd send a new one

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

12+2 working days and its unenforceable until they provide a compliant response. However, post 2007 agreements, its hit and miss as it will be up to a judge to decide. Generally its accepted that non compliance means unenforceable though.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Nope. But if you asked for it, they should hold off any futher action. The 30 days is a guide basically. It can be extended if you asked for paperwork etc, but cant be extended indefinitley as theyre well aware people would abuse it.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • 3 weeks later...

Hi, I’ve not heard anything back from Lowell , but then I still haven’t sent off the official CCA request , I decided I’d wait to see what they come back with. However I checked my credit report today and it’s shows Lowell as a closed account. Does this mean they can not find the correct paperwork so can’t be bothered anymore or is it because they’ve put my account on hold?? Thanks in advance.

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Lowells cant mark it closed as such

Let it run

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...

with no CCA they aint going nowhere

never heard of that type of letter

so must mean they are preparing to shutup and run away.

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 month later...

Hi.

Today received a response from Lowell with info from vanquis,

they state in their letter they sent the agreement but they have not just a print out of an online application, is that the CCA??

They also sent the statement, Default Notice and Notice of Assignment.

 

The statement shows I was paying for the Repayment Option Plan.

 

Can anyone advise on the next best course of action please?

Edited by dx100uk
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can you post up what they sent please. Minus personal identifiers

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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one multipage PDF ONLY please

read upload

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

can you post up what they sent please. Minus personal identifiers

Ok will do thank you, would that be all of it as thereÂ’s quite a few papers .

 

- - - Updated - - -

 

Sorry just seen this.

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Make sur eyou do as in post #22

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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