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lowell claimform - old Vanquis Card Debt


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Hi guys/gals

its been awhile since I posted and needed any help so bare with me.

 

Lowell have bought an old Vanquis debt, I have had loads of letters and ignored them,

I haven't had any contact with them on the phone either so I've not acknowledged any thing.

 

On Saturday received court papers,

 

I have registered with money claim AOS as I want to defend.

I was told about a 3 letter process to send to Lowells solicitor but don't know what the letters are.

Any help greatly appreciated, thanks.

Edited by dx100uk
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must be about the 6th one of the vanquish claim here in as many weeks

 

please complete this:

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do-**UPDATED-2018**(1-Viewing)-nbsp

 

moved to legals and retitled

 

PS PLEASE stop following that freeman of the land twaddle!!

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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  • 3 months later...

Hi sorry for very very late reply.

 

I have filed my defence, had the directions questionnaire.

I had the court changed and now have a date for my local court.

 

I've found this very hard and tried to do this on my own as I know your all very busy helping everyone. 

 

Lowells have until 4pm on the 20th May to pay the court.

The hearing is at 10am on the 17th June.

 

Attached to the small claims track is a letter about witness statements and own evidence,

I'm now totally confused and I would like some help if possible.

 

Thank you.

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The letter you refer to is a Notice of Allocation which contains the court directions on how to prepare for the hearing date. So you must now prepare a witness statement in support of your defence along with any exhibits (your disclosures) and file and serve with the court and claimant by the date stated.

 

There are plenty of examples of witness statements in the Legal Success Forum..attached  to this forum.....find one similar to your claim/debt type and have a go at drafting it in your own words.

 

Post here for opinions and suggestions before filing with the court.

 

Andy 

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Andyorch, thanks for the reply. I will have a look when I'm home from hospital.

 

Is it to late in the day to offer a payment ?

 

 I'm really struggling at home at the minute, health issues, very poorly dog and family problems I honestly don't know if I have the strength to continue.

 

Then I think of all the hard work already done with this claim. 😢😢😢

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Difficult to advise as you have not provided any information on the court claim or the debt as requested in post #2 11th Dec 2018 ?

 

Age of the debt the value of the debt the nature of the dispute all come into play when trying to negotiate a settlement.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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Hi

Sorry to hear about your illness, there are plenty of people here who will help, just fill out he questionnaire as best you can.

In particular it would be good to know when the debt was assigned to Lowells and what contact or payments have you have made since that time.

 

Please ignore any mention of a thee letter system, it was a crazy idea that never worked.

Edited by Dodgeball

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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We are past the DQ stage...no questionnaires to fill in....this is court directions..

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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Oh I was referring to your questionnaire Andy as above post 7,  I should have been clearer. Need much more info.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Andyorch I suffer with dyslexia so I get muddled up with writing and numbers.

it takes me a long time to understand stuff.

That's why I didn't fill in the questionnaire it was hard for me....it's embarrassing 😔

 

A friend helped me do all this paperwork for this claim but she died 4 weeks ago unexpected and I'm struggling. 

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How much is the claim for  ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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And what date must you submit your statement and disclosures by ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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So you must file and serve by the 3rd of May...would you be able to get someone to assist you in preparing a statement ?

 

If you are and are going to struggle perhaps a settlement may be the best option for you...you can contact Lowell and suggest settlement by way of  Tomlin Order if they are in agreement to this with a monthly payment plan.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your Topic please PM me a link to your thread

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Dont be embarrassed about being dyslexic, did you know that Albert Einstein and Newton also suffered, as do I to a small degree.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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  • dx100uk changed the title to lowell claimform - old Vanquis Card Debt

did you send lowells CCA/CPR and have they ever replied dave?

what defence did you file?

 

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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This is making me feel sick, this is disgusting. The OP needs a GP note, and to write to Lowell with it telling them they are in breach of their own code of practice.  If need be I will put the text of a letter together that the OP can use. He just needs to go to his doctor.

 

Lowell are a member of the CSA, it's plastered all over their web site.  CSA code of practice on mental health sections below in bold

 

J.when requesting evidence of mental health problems, seek appropriate information including, where necessary, requests for the completion of the Debt and Mental Health Evidence Form, or similar, from an appropriate/authorised person

 

k. in instances where the debtor is experiencing mental health problems, only initiate court action to pursue the debt if it is reasonable and proportionate to do so

 

l. ensure information in relation to the debtor’s mental health problems is passed on to the instructing client or any third party agent subsequently instructed

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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  • 1 month later...

Thats your choice.....its  not for everyone and worse if your not well.If they agree a Tomlin Order post here for advice before signing.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your Topic please PM me a link to your thread

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