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puma85

Lowell Solicitors PAP letter - Vanquis card debt

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no its a letter of claim under the pre action protocols

its not an N1 claimform from THE COURT.

 

PS had to take that down & the copy in post 1

your name is showing.

next time

please use PDF so we can zoom and not miss important text not redacted properly

 

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.

 

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OK sorry, and thanks.

 

My only concern is that this is the only default on my records and it only has 1 yr 6 months left. If I wait for the N1, does this add another black mark, or would that only happen if it went to court and I was ordered to pay, i.e CCJ?

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who says you'll get an n1..

 

it could only harm your file

IF you lost the courtclaim …

IF you failed to pay within 28days.


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

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Ok, thanks again dx. I'll sit tight.

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Ive recv'd the exact same form today, following the PAP protocol

 

Have you heard anything? i had the same from 2 other debts after PAP sent, it went nowhere as in no N1 to date, as DX says its not the N1, and even then you can defend in court, and after that you have 28 days. They are pushing harder because its drawing closer to the end date of the default, im on a similar time frame to you.

 

I also had a reduction letter then my PAP now states full amount.

 

Im curious what did your CCA look like? mine was literally a computer form with my details and 2 pages of terms and conditions.

 

Keep us updated and good luck!

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