Jump to content

 

BankFodder BankFodder


  • Tweets

  • Posts

    • You're like, super helpful and unhelpful at the same time lol.   What do I search for, I searched form 4, and nothing, I searched claiming compensation and nothing about this.   I can't find the top squares logo.   Can you post a link or tell me what to search.   Sorry if I'm slow.
    • use our custom google search box  click our top squares logo it should appear on that page   dx
    • Apologies, I haven't used a forum for years!!   I defo wish to keep the 2 issues separate, sorry!   My only issue I need help with is the increased compo for marstons - if possible.   I don't know anything about claiming compo etc. (I only recently found out one of the NHS biggest costs are NDA payouts)   I don't know what form 4 is; so far, they've offered £250 and I haven't accepted or denied it.   So yeah, can you forward me to some more info?   Also, usually I'm good at google etc. but I can't find many stories on this stuff, regarding PCN/TFL etc.   Thanks again!
    • ok things are getting clearer...   I've merged 2 of your posts for clarity and removed the swearing, (behave please) I've also taken down the two images you posted should you wish to post things up please use PDF so we can zoom easily and don't forget to redect them read upload carefully.   I think you need to continue to keep the two thing sep. those being increased compo for marstons- if possible ( if you are raising a form 4? complaint through the court - it might be better you don't? - they are very hard to justify and can be costly - so the fact it might not be moving forward could be a good thing, but listen to others here too) and the issue of the PCN wasn't justified - which you need to further expand on please.   the more info you post up the better please but please use multipage PDF files only and carefully redact them    
    • Thanks for trying btw! It's kinda in 2 parts.   1 is that the PCN wasn't justified in the first place and I wasn't aware it had escalated. I received the initial fine from TFL which I challenged and heard nothing back from (for 5 months). Then another letter from a separate PCN which made me email TFL to inquire what was going on but again, heard nothing back.   (BTW I can see how confusing this is so thanks again for trying)   So, I had no idea my car was at the risk of being taken - that's the first part.   No 2. is:   I got a phone call saying my car was on the back of a truck round the corner from mine (they hadn't left any notices or anything, and the car was parked directly outside my house). My friend said they were attaching the straps and securing it to the van (so I think they got it on the back of the van and moved it before securing it).   When I ran round the corner I saw the EA's van. I went upto it and asked what was going on. He was rude and told me to go away. Then after I kept knocking he got out the van and was aggressive and refused to ID himself or tell me why he had my car.   He shouted at me, was rude and unprofessional, he then left with my car. I complained to Marstons and asked for the bodycam footage.   They gave me the footage but it was clearly edited and cut short (because in the beginning of the footage he was the most aggressive).   They then told me he wasn't required to have the camera turned on when he's in the van, only when he's 'actively pursuing a warrant' and I was only allowed the footage I was in. (which is 2 different things) So I asked them to clarify which is true.   Anyway, I reviewed the footage and sent in my complaint (talking about what happened in the footage) They replied and said they watched the footage and disagreed with everything I said.   So I wrote a more in depth response with the CIVEA code to reference + the TFL EA guide etc.    Then they asked for more time, called me and finally apologised and admitted he had acted untoward and was in the wrong.   They then offered me the goodwill payment.   This has taken up weeks of my time, caused me serious trauma and PTSD and even after I complained WITH video evidence, they still initially denied it which means they officially lied, on record, while representing TFL.   I told TFL what was happening they said I had to continue with Marstons etc.   £250 goodwill isn't enough, the car cost £800 to get out, the suspension is messed up and I'd like to claim compensation for everything.   I don't know if that makes me sound like i'm money grabbing or whatever but they shouldn't be allowed to get away with it.   The police had to come before they could call an ambulance cause I was having a panic attack and it was a HORRIBLE experience.    So any help would be great please    I have the whole file from Resolver in a ZIP file but it's a lot of writing and I think you've read enough of my writing to last a life time!   I did a statutory declaration of OOT, got it signed by the court etc. but it was rejected.   I then tried to take them to court but it cost £250 I think which I don't have. You can get it for free if your low income but they wanted bank statements that I couldn't get. They're waiting for me to reply with documents to get a free court date.    did you receive any of the pcn's - was that why you appealed? - Yes, sorry!   unless it's trying secure a greater level of compo from marstons? - Yes, sorry!   For the record I just saw this pop up, read it and now feel much less guilty about my enquiry!
  • Our picks

whaleman

Is this vanquis electronic cca enforceable in court ?

style="text-align:center;"> Please note that this topic has not had any new posts for the last 413 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi

on asking for cca + other docs this is the cca they have sent me along with some t&c,

 

I have also got 2 default notices for the same debt which are worded very different to each other but coencide with dates, amount and account number

 

thanks in advance for advice

application forms.pdf

Share this post


Link to post
Share on other sites

so 2 pages from the electronic sign up.

and the T&C's?

 

tell us about the debt and who's chasing now please


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

Share this post


Link to post
Share on other sites
so 2 pages from the electronic sign up.

and the T&C's?

 

tell us about the debt and who's chasing now please

 

Hi thanks for reply, its lowell solicitors

Share this post


Link to post
Share on other sites

well it had to be one of the dozen or so debt buyers....

so keep going..whats the full history with dates please...


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

Hi

the card was approved on 14/09/2013

defaulted on 09/01/2014,

 

the debt was sold to Lowell on 31/12/2014 had all the usual tripe from Lowells.

 

I requested

cca,

copies of default notice,

notice of assignment,

statements of accounts,

 

one of DN copy states it is hear by alleged that you have breached this requirement,

 

the other copy says you have not made the required payments to your account and therefore in breach of your contract which is the true copy

they are both from Lowells.

 

I have done a SAR with Vanquis all they sent was application details + t&c and statement of accounts,

vanquis have not sent copies of DN or N of A.

which copy of DN would I use in court which they are threatening now.

thanks

Edited by dx100uk
spacing

Share this post


Link to post
Share on other sites

Upload the DNs we dont know until we see them...dont redact dates


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 thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

DN files

 

payment must reach by 05/01/2014

IMG_20190219_0005.pdf

Edited by whaleman
add another file

Share this post


Link to post
Share on other sites

There is only one default Notice there the second is a Notice of Default.


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 thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

the 2nd letter is the cover letter for the DN you posted in post 7

you have not received two DN's

but again you've redacted dates

so we cant even tell if it gives you 14 days...


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

postage date was 17/01/2014 and says you have until 5th of february to clear

Share this post


Link to post
Share on other sites

Thread title corrected....


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 thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

now in the provident forum.

 

so everything looks in order to me

TBH its very difficult to get out of post apr 2007 online sign ups.

 

have Lowell solicitors sent a PAP Letter of claim yet?

 

how much is outstanding?

 

if you use our search CAG box of the top red toolbar

 

claimform vanquis

 

you'll see lots of like CCA return examples


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

Hi dx100uk

no claim form yet, £621.00 outstanding, looks like were dead in the water. I just dont Know how they dare present that sign up as evedence most of it is unreadable its something they could have knocked up themselves were exactly is proof of a tick, anyway thanks for all your help and all the best

Share this post


Link to post
Share on other sites

it might well be a bad copy but whats there is what should be there

and I bet they could easily get a better one.


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

Thats just the Digital Signature Details form..not the agreement no prescribed terms no T&Cs....they wouldn't go near a court and state thats an agreement.

 

They are in default of your section 78 request


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 thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

wonder why they've not bothered with the important bit

as it would be easy to get ahold of it..

its almost as if they've cut'n'pasted his details on a blank cause they couldn't be bothered to ask the OC?


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

thanks guys I had given up the will to fight on untill these last two messages, now you nave given me new hope. Do I need to bring to lowells attention they are in default of my section 78 request or save it to use in my defenceif it gets that far

thanks

Share this post


Link to post
Share on other sites

Save it


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 thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

why don't you separately send vanquis a CCA request yourself

and send them an sar to get everything else.

 

it would be really useful to see if the docs from vanquis match the return from lowells?

no harm in preparing..

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

I have allready sent sar request all i got back was electronic sign up, statements which are different to lowells and T&C. I have wrote back to vanquis for rest of stuff i requested including cca.

Thanks

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...