Lowell PAP letter now claimform - Vanquis card debt

[AndyOrch]

Check MCOL and see the last entry status...if its defence submitted...then lowell are a tad premature and have not filed it yet.If it states allocated...then you should have had your blank N180 through anytime.....once received use the following and complete it on screen ...looks far more professional than hand written..print 3 copies.

 

 

 

Regards

 

Andy

[puma85]

Thanks both. 

 

Yes I have read a number of Lowell claim threads in the downtime. 

 

I did wonder if they had been premature, thanks for confirming. 

 

This is all MCOL says;

 

Claim History

Your acknowledgment of service was received on 04/09/2019 at 08:05:36

Your defence was submitted on 16/09/2019 at 18:38:20

Your defence was received on 17/09/2019 at 08:06:04

 

The 'Acknowledgement of service' and 'Response Form' sections are showing as being completed by me, there doesn't seem to be an option to do anything else right now.

[AndyOrch]

Then they have not submitted the DQ as yet...otherwise it would state allocated after defence

[puma85]

I think ive just messed up.. 

 

been away for two weeks and just got back to a letter... (N180)

 

The filing date says 1st November, although still cant see anything on MCOL. 

 

Just had an email from a credit site that my score has gone down. checked and Lowell has updated the default date. 

 

[AndyOrch]

Get it filed tomorrow...drop it in by hand if your court is close.

 

 

[puma85]

2 hours to Northampton, so I dropped it off at the post office -Special delivery 1pm. 

[puma85]

nothing has changed on MCOL yet. I presume if it is accepted, there will be a new entry?

[AndyOrch]

Last entry on MCOL will be Allocated after both parties have submitted their DQs...then Northampton is finished...everything else will be from your local county court.

 

Andy

[puma85]

Thanks. So I just wait for a letter from the local CC?

 

The N180 had a return address of Northampton, so I assumed there would be something else on MCOL. I presume they just forward the N180 to the local court?

[dx100uk]

no they allocate the case to the relevant county court who then issue an N157.

get reading like threads 

 

did you copy the N180 to the fleecers?

 

std practice makes no odds.

 

dx

[puma85]

phew, just got an email from [email protected]. 

 

I was worried that because the N180 was 5 days late, they would reject it.

 

OK thanks.

I presume it will still drop off my history October/Nov 2020, 6 years after the initial default date of October 2012. 

 

Its the only negative thing on my record. 

[dx100uk]

they cant change the original defaulted date from the OC when they issued their Default notice

that's was just a calendar marker you referred too, no one bar you and the debt owner see that.

 

dx

 

 

dx

[puma85]

57 minutes ago, Andyorch said:

You really need to start a new thread if you intend to reclaim charges.....as it has no connection to this thread and the court claim and simply cluttering up this topic.

 

Andy

 

Thanks, but I thought I was following the advice DX gave? 

 

I'm at the stage where Lowell and I couldn't come to a agreement through mediation, so the next stage is court. 

 

From what DX said, my understanding was that any missed payment, default fee etc. isn't enforceable. So the CI and Stat interest sheets are used to calculate the 'real' debt owed. 

 

Is this not correct?

 

 

[AndyOrch]

Thats for you to take up with Vanquis....not Lowell....concentrate on the court claim and if successful.....any reclaims become irrelevant.The court wont be adjusting any amounts on the court claim. 

[puma85]

OK thanks got it. 

 

Lowell have provided me with;

• Application details (electronic sig),
• Pre-Contract Credit information
• Notice of Default
• Full account statement
• Details of it being sold to Lowell on 24/06/2015
• debt is within 6 years

 

As far as I can see, everything is in order. Not sure how I can win and have the debt made unenforceable by the court? 

 

 

 

Edited December 24, 2019 by puma85

[puma85]

Just received the following. I presume this is standard protocol for the court.

 

general form of judgementor order.pdf

[dx100uk]

it means judge cooper is a smart cookie and doesn't want to waste court time with lowells and their crap paperwork to date.

so what happened after you sent back you N180?

[AndyOrch]

But they have provided all the Order in your post # 40 ?

[puma85]

Yes thats correct.

 

Everything the Judge asked for in the last letter has already been provided to me. 

 

I'm still not sure what my angle is going to be when I get a court date.

 

From the other threads I've read it seems that missing paperwork and old debts are how defendants win.

 

Everything is in order from what I can tell. 

[AndyOrch]

Can you scan and redact and upload what you have received ?

[puma85]

sure, here you go. 

 

Lowell PAPLOC Return CCA+DN+Letters.pdf

[dx100uk]

no proof you ever digitally signed up?

no name/address on the T&C's.?

 

no date on the default notice?

[puma85]

does this negate the need for proof I ever signed up?

there's a date at the top of the default letter too

 

In February I tried to negotiate a settlement figure the same as this letter they sent be two years ago. 

 

lowell 60% discount offer.pdf

[AndyOrch]

The credit agreement is a pre executed copy of offer and does not name you or show any connection to your application and refers to a further application form.

No names no address no account number no credit limit....simply refers to " you " which could be anybody.

 

So till in default of your section 78 request.

 

PS your name is still showing on the uploads.

[puma85]

great thanks 

That's definitely something to work with. 

 

documents again, now fully redacted!

 

Lowell PAPLOC Return CCA+DN+Letters.pdf