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    • It seems to me that you could probably apply for judgement on 30 October. However it's a good idea to keep on checking regularly to see if it is permitted before then. As soon as it allows you, do it.
    • Deemed service on a company is two days after issue. Deemed service on a litigant in person is five days after issue – unless something has changed. I've already said that proposing to send further particulars is generally speaking unnecessary and only complicates matters as you are finding out. However as you have indicated that you are sending further particulars, send them further particulars and simply state in the body of the particulars that you have nothing to add to the particulars of claim contained in the original claim form at this moment. Send that straightaway so that when you apply for judgement you can click the box and say that yes you have done that. It might not have been fatal not to have informed them that it was a laptop – but it is better that you did and the important thing is that they had been told of the item and of the value at the time that you entered into the delivery contract. I think that you will find that laptops are one of their prohibited items – along with almost everything else in the world
    • *Update* turns out Capquest bought the debt from Phoenix Recoveries. We now have a reference number for our solicitor to use. 
    • Ah I thought you meant in the actual MCOL claim, in the ebay listing yes, in the PackLink compensation claim yes as well, in the MCOL claim I made no mention aside from the value of the item.   and just an update:   I am able to request a judgement from the two separately.   The claim was issued on the 13th, plus 5 days and another 14 days = 1st Nov my guess (not accounting for business days)   This was also added:    
    • Okay, so what you have to do is you have to take the money you paid to the garage which I understand is £2000. You've gotta consider that the value of the labour they put in was completely wasted because you had to have the turbo taken out and then refitted – is this correct? However, the turbo itself was useful to you and so you should be required to pay for the cost of the turbo. If this is correct and you have independent evidence that the turbo had been incorrectly fitted then you should sue them for the balance. This means that you have to find out the cost of a turbo – was it an original or was it a pattern part? Anyway, you have to find out the cost of the turbo and deduct that from the £2000 and that should be the value of your claim unless you can tell us of any other losses which you have reasonably incurred as a result of their poor workmanship. Let us know
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Lowell chasing old Vanquis CC Debt


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Hi

 

I wonder if someone could point me in the right direction.

 

I have a vanquis credit card (heaven forbid!) and I have always paid more than the monthly minimum amount.

 

Upon checking my credit file on Equifax the other day I see that they have put me into an arrangement to pay since February 2012! This is obviously having an impact on my credit card.

 

I have sent them a secured email but surprise surprise they have not replied and I have also raised this issue with Equifax and they are investigating.

 

Is there a standard letter that I could send getting them to amend my credit file and not provide inaccurate information?

 

I can happily put one together, but I just thought I would ask if there was a standard letter.

 

Thanks in advance :-)

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  • 7 years later...

Hello,

 

I had a reminder to pay an old Vanquis CC debt from Lowell

 

I sent them a CCA request, which has now been received. 

I recall doing this back in 2017 and because they didn't send me a credit card agreement I disputed the balance owed. 

Ever since then I just receive the standard "you owe money", "we have reduced it by 40% blah blah blah" to get me to pay up.  I have just ignored them until recently. 

 

Reason being is because they hit me with a claim form for another old debt and I didn't want to be in the same situation with this given the Default is due to drop off my credit file next month.

 

So.........attached is their reply dated 25th October 2019, along with a print out of my so say online application. 

There is also a letter from Vanquis confirming the opening of my account,

however, this was clearly a photocopy that was sent to me which anyone could have made!

Attached also is the "application" form which has been printed off, no signature no nothing.

 

Looking at the statement, the last payment made was on the 30th May 2013, according to Equifax the date of Default was 29th November 2013. 

There is no previous information during 2013 or before on Equifax. 

I have checked Credit Karma, there is nothing showing pre October 2014.

 

Now unless I am mistaken, this account is Statute Barred and there is nothing that Low Lifes can do about this? 

They have given me until the 22nd November 2019 to respond.

 

I have only added the last page of the transaction statement so you can see the date.  

 

If someone could let me know that would be great and if I am able to send the relevant SB letter, do I get and send it now or wait until their deadline date?

 

Thanks :-)

 

 

 

cca return.pdf

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that's not a CCA return

ignore them until/unless you get a letter of claim.

 

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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Cant believe they are still using that template and trying to pass it off as a Consumer Credit Agreement.:roll:

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as post 3

 

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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  • 2 months later...

Case now closed, Default fell off CRA and I have received a letter from Lowell to say that they can no longer pursue the debt due to it being Statute Barred :-)

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