Jump to content


  • Tweets

  • Posts

    • How did you purchase the goods? (instore or online)   How did you pay for the goods? (cash or card and which card method if paid by card i.e. debt card etc.)        
    • Thanks for the reply which makes the case more simple.   As the young gym member was under 18 when she joined, she was a minor and the gym or their admin Co. cannot enforce any contract or agreement with her.   She can reply to any demand from the gym saying :-   " I was a minor at the time of signing the membership and cannot be held to any contract terms associated with such a membership agreement. Accordingly no further demands should be made and this should be the end of the matter. Yours faithfully, YD"   Send this to the gym's address by letter and get a free Cert of Posting at the PO Counter.   Keep us posted please
    • sorry Scania ..so you have a problem with the product?  
    • Morrisons supermarket sell clothing under the Nutmeg brand.  Generally, these goods are of decent quality and not too expensive. There is a fairly wide range. Like other supermarkets, their sizes should be taken with a large pinch of salt.   Unfortunately, Morrison's merchandise these clothes through an outfit called Deeset. When things go wrong then your troubles really begin.   Deeset won't reply to emails. They operate a confounded automatic phone system where your call is put in a queue. EVENTUALLY, you receive a message that no one is available to take your call.   Their shop floor workers are not allowed to order goods in for you and not allowed to phone head office.   It's inconceivable that a prestigious company like Morrison's should be involved with an outfit like Deeset, which does no good for Morrison's image.
  • Our picks

    • Future Comms is a Big Con. How to get out of it. Read more at https://www.consumeractiongroup.co.uk/topic/417058-future-comms-is-a-big-con-how-to-get-out-of-it/
        • Like
      • 4 replies
    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 5 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • 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
JL19

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

Recommended Posts

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
Spacing

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites

Did you send a cca request with your pap response?


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

Share this post


Link to post
Share on other sites

Yes I did, but I didn’t send the £1 postal order along with it which I didn’t realise I was supposed to until reading the link.

Share this post


Link to post
Share on other sites

They also received my response two weeks ago today, I received their response today.

Share this post


Link to post
Share on other sites

then send a new one

 

thread retitled and moved to the provi forum.


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

Share this post


Link to post
Share on other sites
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.

Share this post


Link to post
Share on other sites
then send a new one

 

thread retitled and moved to the provi forum.

 

Ok thanks. Should I wait until they respond or send it now?

Share this post


Link to post
Share on other sites

per s i'd send a new one


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

Share this post


Link to post
Share on other sites

Ok am I correct in thinking that once I’ve sent the CCA the proper and true way, if they don’t provide this within 12 days it’s unenforceable!?

Share this post


Link to post
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

Share this post


Link to post
Share on other sites

Thanks, just one more question before I fire the CCA request off, the 30 days they gave me to reply before court is now up, so does it matter that the formal way of asking for my CCA is past this?

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites

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.

Share this post


Link to post
Share on other sites

Lowells cant mark it closed as such

Let it run


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

Share this post


Link to post
Share on other sites

Thanks will do, interested to hear what they come back with..

Share this post


Link to post
Share on other sites

Received letter from Lowell’s today stating vanquis are compiling a response; I’m guessing this means they have the information?:jaw:

Share this post


Link to post
Share on other sites

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 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

Share this post


Link to post
Share on other sites

Oh really! That would make my Christmas fingers crossed :-D

Edited by dx100uk
quote

Share this post


Link to post
Share on other sites
Posted (edited)

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
quote

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites

one multipage PDF ONLY please

read upload


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

Share this post


Link to post
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.

Share this post


Link to post
Share on other sites

Am downloading the apple app suggested. Been a long day at work so will get them all scanned up with personal info withheld in morning. Thanks guys.

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...