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    • Mother and father worked here and then went to SA in about 1978 returning to UK in about 1996 and worked here until 2016 when her husband died at age 66.  He was still working at the time.  She then went to live with daughter in SA.  Mother only claims for her pension. 
    • Thanks, I owe the money, no issue with that, I will SAR the company.  If I need to just pay it and have the CCJ for a few years so be it.  Just thought I'd explore all options
    • By the way you wrote that post, i can see that you are as confused by the situation as someone reading it. Important advice must be not to pay for any flights etc, until they understand the situation fully. Those that have British passports could be entitled to receive UK benefits. However, nothing is that straightforward. The passport does guarantee anything. The daughter could be entitled to Universal Credit ( which includes housing) as a British passport holder, but this can only be confirmed when she has gone through the Habitual Residency test (HRT). So you will need to read about HRT for British passport holders returning to the UK. There will be requirements to provide information about why they are returning to the UK and what work searches have they done to find work on their return to the UK. In regard to the mother who has a British passport, you will be correct in presuming that no council is going to be helpful in paying for the care home fees immediately on arrival in the UK. When did the mother last live in the UK ? When did the mother last work in the UK ? British embassy in South Africa may be able to provide information and assist with applications ? Just getting on a plane, landing in the UK and expecting help to resolve their situation, would be a silly thing to do. I can see the mother ending up in an NHS hospital for a period, while people wondered how they were going to deal with the situation. Probably not the first to do this, but if the mother also has a South African passport, they could put her on a plane back to SA and then the Daughter would be a difficult situation. Embassy in South Africa must be first place of advice.
    • There are online forums for people moving from South Africa to the UK. This is one of them.   https://moveup.co.za/2019/03/08/how-to-move-to-the-uk-a-step-by-step-guide/   If you want to speak to a social worker you could try the local council.   HB
    • This is not our issue, but an issue with a friend.  Our friend is living in South Africa and now suffers from dementia and is in a home.  The daughter has been paying for the home however the daughter was made redundant and has a child to support.  Daughter's husband keeps kicking her out of the house with the 3 year old boy and daughter had nowhere to go. The mother and daughter both have British passports.  Mother and father(now deceased) are British born, but daughter was born in South Africa.   The 3 year old was born in in South Africa.  Daughter is now broke and cannot keep the mother in a home any longer.  Daughter wants to return to the UK where she did live for several years previously so had NI number etc. however not sure what she can do with her mother.  The other issue is that the father is trying to get custody of the child so another issue. We, on behalf of the daughter who phoned us this morning, want to discuss with a social worker the options if any that may be open as on arrival here the mother will need to go straight into a home.  We can offer the daughter and child temporary accommodation with us.  Who should we contact? A very complicated scenario that normally we would not involved ourselves with as we are in our late sixties, retired and not that much money in the bank. 
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meandbex

Lowells -Vanquis Card debt .

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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

lowells.jpg


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2011- Lloyds TSB £3874

2011 - Loans.co.uk (GE Finance) £1504.77

2017 - Moneyshop - £977

2018 - Aquacard £1327

2019 - Citicard - £1071.31

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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


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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

 

 


PPI SUCCESS

2011- Lloyds TSB £3874

2011 - Loans.co.uk (GE Finance) £1504.77

2017 - Moneyshop - £977

2018 - Aquacard £1327

2019 - Citicard - £1071.31

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Flagged up for @dx100uk


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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.


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

 

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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?


PPI SUCCESS

2011- Lloyds TSB £3874

2011 - Loans.co.uk (GE Finance) £1504.77

2017 - Moneyshop - £977

2018 - Aquacard £1327

2019 - Citicard - £1071.31

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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?

 

 


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

 

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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 


PPI SUCCESS

2011- Lloyds TSB £3874

2011 - Loans.co.uk (GE Finance) £1504.77

2017 - Moneyshop - £977

2018 - Aquacard £1327

2019 - Citicard - £1071.31

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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...:noidea:

 

 


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

 

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👍

 

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......


PPI SUCCESS

2011- Lloyds TSB £3874

2011 - Loans.co.uk (GE Finance) £1504.77

2017 - Moneyshop - £977

2018 - Aquacard £1327

2019 - Citicard - £1071.31

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

 

CCA request both?

 

dx

 

 

 


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

 

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Yes 100% imo. 

 

They do i should know better. 


PPI SUCCESS

2011- Lloyds TSB £3874

2011 - Loans.co.uk (GE Finance) £1504.77

2017 - Moneyshop - £977

2018 - Aquacard £1327

2019 - Citicard - £1071.31

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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


PPI SUCCESS

2011- Lloyds TSB £3874

2011 - Loans.co.uk (GE Finance) £1504.77

2017 - Moneyshop - £977

2018 - Aquacard £1327

2019 - Citicard - £1071.31

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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

 


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

 

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Thanks Dx- as attached

For Dx.pdf


PPI SUCCESS

2011- Lloyds TSB £3874

2011 - Loans.co.uk (GE Finance) £1504.77

2017 - Moneyshop - £977

2018 - Aquacard £1327

2019 - Citicard - £1071.31

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is that all of it?


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

 

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see here

 

 


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

 

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


PPI SUCCESS

2011- Lloyds TSB £3874

2011 - Loans.co.uk (GE Finance) £1504.77

2017 - Moneyshop - £977

2018 - Aquacard £1327

2019 - Citicard - £1071.31

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

 

dx

 


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

 

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Correct other than the digital signature part. 


PPI SUCCESS

2011- Lloyds TSB £3874

2011 - Loans.co.uk (GE Finance) £1504.77

2017 - Moneyshop - £977

2018 - Aquacard £1327

2019 - Citicard - £1071.31

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what digital sig part?

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


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

 

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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)


PPI SUCCESS

2011- Lloyds TSB £3874

2011 - Loans.co.uk (GE Finance) £1504.77

2017 - Moneyshop - £977

2018 - Aquacard £1327

2019 - Citicard - £1071.31

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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?


PPI SUCCESS

2011- Lloyds TSB £3874

2011 - Loans.co.uk (GE Finance) £1504.77

2017 - Moneyshop - £977

2018 - Aquacard £1327

2019 - Citicard - £1071.31

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eh?

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


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

 

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No. nothing  at all from them .

 

They just said i had until 21st Feb 


PPI SUCCESS

2011- Lloyds TSB £3874

2011 - Loans.co.uk (GE Finance) £1504.77

2017 - Moneyshop - £977

2018 - Aquacard £1327

2019 - Citicard - £1071.31

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