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    • https://www.nationaldebtline.org/EW/factsheets/Pages/debtrelieforders/droadvice.aspx   https://www.nationaldebtline.org/EW/factsheets/Pages/debtrelieforders/droadvice.aspx
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    • say i was going to write to all these about the debts and try get deal to reduce monthly payments and stop all interest do I write to them first or do I stop payments then write to them ?   Same if I was going for a DRO do I just sort out and apply for that first or stop all payments then apply for it .   Also I see for a DRO it says ive got to go through  an authorised debt adviser so who do i go to about this and at moment we still on lockdown here in wales and not many places open .   Last off ive asked regarding pro rata forms and still cant find any 
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king100

Lowell and vanquis debt.

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Hi

 

Received a letter before action so sent a CCA request back

 

They have returned with a digital signature application form but there is nothing stating the credit limit, % Apr.

 

1.Is this enough for them to proceed to court?

 

On another note, I am in the process of moving house,

 

1. Do I legally need to inform them of me moving house?

 

2. If my mail is returned to them but they issue court proceedings to my old house and I dont get the paperwork, does that reset the time? ie if I left appealing the CCJ until after the 6 years?

 

3. How do you defend digital signatures?

 

 


My respect to people who post regularly and help people out on here. Without your help alot of wrongs would have been committed.

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you should have replied as post 2 here by asking for advice first.

 

whats the debt all about please?

 

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, DCA;s would collapse overnight.

 

 

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Posted (edited)

Its for a credit card.

 

I thought that a CCA request would then have all the details ie statements terms and conditions etc.

 

Do I need to SAR them instead?

 

1st Letter Received


So sent request.

 

Lowell.pdf

 

This is their reply

 

 

 

 

 

Edited by king100

My respect to people who post regularly and help people out on here. Without your help alot of wrongs would have been committed.

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that's not a letter of claim.

 

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, DCA;s would collapse overnight.

 

 

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Whats the next step as there isnt much to go on?


My respect to people who post regularly and help people out on here. Without your help alot of wrongs would have been committed.

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well the paperwork is crap and has lost them quite a few court cases where they've taken these vanquis card debts to court if you use our search.

 

so they've yet to issue a letter of claim.

so that night be their next step..


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, DCA;s would collapse overnight.

 

 

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