Lowells -Vanquis Card debt .

[meandbex]

Hi all,

I have received a letter from Lowells, saying they are assessing my account for legal action as they have not heard from me.

I have now looked deeper into this and it is for an old Vanquis credit card.

This I believe is way back as it is NOT showing on my Clearscore credit report.

There is a message on Clearscore saying a new report is being added to my December Report !

I however think i may have done my self an injustice in honesty also.

On my credit file is an account that was started in Jan 2010 I cant remember what this is for.

No payments have been made since 2015.

Lowells got in touch a few weeks back and I've paid £25 so far on the account as i panicked.

A friend told me i may not now longer be liable as its out of date???

Since I have done that one payment  they have updated the account date to October 2019 on Clearscore (see image)

In terms of both of my issues,

is there anything I can do at all please?

Appreciate any help

[BankFodder]

I don't want to advocate debt avoidance, but a debt from 2015 would remain enforceable for six years – at least from the date that it was defaulted.

You've been here since 2009 and I'm not sure why you don't know this and also I don't really understand why you are listening to your friend rather than coming here for proper advice.

Please can you tell us any details of the other alleged debt – the Vanquis one

[meandbex]

Hello bankfodder,

 

Yes been here a while tbh and always got great help.

 

I have not been on here a while now no need to really but my knowledge has lapsed I am afraid- sorry.

 

The account was 2010.

Last payment I was led to believe was 2017 sorry not 2015.

And now showing to be updated for Oct for outstanding still?

 

The Vanquis account I cannot find any info at all on my credit file.

The letter says "we have still to agree repayment on your Vanquis account. This value is £451.21

 

 

[BankFodder]

Flagged up for @dx100uk

[dx100uk]

is the Lowell a/c you just blindly paid £25 on showing that £25 payment as made- and what is the debt type?

 

as for the vanquis card one

- well they probably sent it as they've just mugged you on the other debt!! 

most of what lowells currently chase are old vanquis card and provident doorstep loan debts, most of which they don't hold any paperwork for, esp the doorstep loans.

 

you really should never ever pay a dca and most certainly never speak on the phone.

[meandbex]

Hello @dx100uk so pleased to see you are on here still

 

Yes shows as payment  in Oct. Prior to the months before blank..if that helps? Doesnt show any amount or reduction of balance

 

I hear you i know i should have known better, but life has been better last few years and chose to just pay then realised i  should not have done.  I think  now, of memory serves me right i should send a CCA?

[dx100uk]

I think we were wrongly thinking you were talking 2 accounts.

 

so taken out 2010 last payment 2017 and now oct £25 cause you panicked.

so your payments until 2017 were to who?

 

 

[meandbex]

Sorry yes, there are 2 accounts.

 

The one i have recieved a letter for and is for Vanquis and doesnt show on my file.

 

The second screenshotted and posted is one they got in touch about in September 2019. Didnt think to question it and agreed the £25 which now shows on the file as updated October, but I have no idea what this debt is for tbh. There is nothing on my credit file i can match it up to 

[dx100uk]

well look at the letters then

it must say what the debt is

 

you've been here 10 yrs

had numerous court claims

and you still just blindly pay when ever a DCA says jump...

 

 

[meandbex]

 

ill CCA i think....i don't have the other letters now tbh.

 

Yes i should have paid more attention, I did not.  I jumped as 'ive never been in such a great position as i am now.... i didn't or don't want anything to jeapordise that now......

[dx100uk]

that's the only thing DCA's can do ''is instil fear

 

CCA request both?

 

dx

 

 

 

[meandbex]

Yes 100% imo. 

 

They do i should know better. 

[meandbex]

Morning Dx 

 

I have this morning recieved a response from lowells and have provided a copy of the agreement with Vanquis. There's a second letter enclosed from Vanquis themselves. A full statement of the spending is enclosed as well as the digital signature form and the pre-contract credit information breakdown.

 

It shows the accepted date of the application being  16th March 2012 at 0828am

[dx100uk]

scan it all up to one multipage PDF

read upload carefully

 

I suspect its the usual stuff they troll out for vanquis card debt

those  application forms are not a credit agreement 

 

lots of previous Lowell claimform threads here to read that explains why.

 

dx

 

[meandbex]

Thanks Dx- as attached

For Dx.pdf

[dx100uk]

is that all of it?

[dx100uk]

see here

 

 

[meandbex]

Yes apart from the the 6 pages of small print from Vanquis of terms and conditions 

[dx100uk]

which I bet doesn't have you name and address on it?

 

dx

 

[meandbex]

Correct other than the digital signature part. 

[dx100uk]

what digital sig part?

that's not usually part of the T&C's

[meandbex]

9 minutes ago, dx100uk said:

what digital sig part?

that's not usually part of the T&C's

just the parts already scanned and uploaded on here (was paper clipped with t and c)

[meandbex]

Sorry @dx100uk i have been away working and I have realised i have until 21st Feb to respond to Lowells,

 

Sorry but what do i need to do please. Add my defence part?

[dx100uk]

eh?

so you've received a claimform from a court them since jan?

[meandbex]

No. nothing  at all from them .

 

They just said i had until 21st Feb