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Lowell and Vanquis + Express Gifts debts and DD issues - final response


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We just don't want you to keep getting conned by blood sucking DCA's.

sar vanquis   sar express gifts cards.   too    

Lowell are one of the more litigious DCAs......so when/if you receive the agreement ...redact scan and upload and we will give opinion. You can always resume payment if you feel more comfortable

I've just realised they have included a statement also and have a lot of the following on it:

 

Example:

£23.20 BILLED DEFERRED FINANCE CHARGES 09-02-2015

£77.42 BILLED FINANCE CHARGES 09-02-2015

£12.00 LATE PAYMENT CHARGE 

 

Finance charges are different amounts.  Is this meant to be interest charged?  I can't understand the two different amounts on the same dates.  I have a lot of these on the statement (all different amounts)

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@Andyorch or @dx100uk are best to look at these.

 

However, please ignore Lowell, do not answer their calls etc.

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

 

If you want advice on your thread please PM me a link to your thread

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1 hour ago, tracyab1972 said:

Before I start getting hounded by Lowell again

 

they'll do that anyway

 

just never ignore a letter of claim if/when one comes.

 

who did you send the cca regarding the vanquis card too?

 

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.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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the return usually comes from Lowells when vanquis answer their request for it, i was just puzzled if you'd sent the CCA to vanquis.

 

the digital sig return is what we have seen before here , but doesn't actually detail an IP address of what PC was used to sign up.

 

the T&C's are blank of your details? so could have come from lowells filing cabinet or indeed any of the lowell vanquis claimform threads on this forum already, of which lowells usually drop the claim.

 

 

 

 

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.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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if the CCA is in your vanquis SAR , the CCA return as a result of your request to lowells should match it.

 

what you have put up we've seen many times before here in court claimform threads involving DCA's taking people to court on an old vanquis debt.

 

in the maim we win.

 

the T&C's must have detailed on it you correct names and address for the time of takeout to be relevant, - yours as many already doesn't, so could have come from anywhere and are not thus proved be the ones sent to you.

 

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.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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43 minutes ago, dx100uk said:

just never ignore a letter of claim if/when one comes.

dx

 

 

 

as for the charges you mention, finance charge is interest, but any fixed sum fess (£12) are unlawful, as is interest they caused.

 

add them up.

 

whats the total debt too on the vanquis card??

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.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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The default amount was £3406 and the amount now owned is £2456

 

£12 x 5 over limit charge

£12 x 4 late payment charge 

Edited by tracyab1972
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so not really worth much

but pop EACH OF THEM  into the CISHEET.

 

enter cap1's int rate in D15

set claimto date to the date lowell purchased the debt

 

 

 

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.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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2 hours ago, dx100uk said:

 

as for the charges you mention, finance charge is interest, but any fixed sum fess (£12) are unlawful, as is interest they caused.

 

add them up.

 

whats the total debt too on the vanquis card??

DX can you just clarify what you said about the £12 fixed sums?   I have five credit cards and i have received a few £12 fixed sums in the last year or two.  Are you saying they are unlawful?  If so what is the best way to ask for the sums to be returned?

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you've been here as long as me and only just realised this...

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.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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16 minutes ago, dx100uk said:

you've been here as long as me and only just realised this...

yep....I remember the days of big penalty sums etc on cards and a judgement was made by someone or another that said any figure over £12 would be considered a penalty but £12 or less would be considered reasonable.  That is the reason every provider I know about will slam £12 in where they can but no greater amount.

 

In short I thought it was legal.

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that is not what the then FCA said...

they simply said that under £12 they would not pursue the creditor, not that they were lawful at all.

 

any penalty charge is unlawful.

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.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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dx100uk I checked the SAR from Vanquis last night and as you say, the CCA is the exact same as the one from Lowell.  

 

I can't seem to find the interest rate charged.  Does anyone know the average cap1 rate please?

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Even if the agreements are the same don’t pay then anything. The next move is theirs. It’s eminently possible that nothing will happen.

 

Usual caveats apply regarding them having your current address.

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

 

If you want advice on your thread please PM me a link to your thread

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That’s what I have done in the past. They know your address.  Again this is just my experience, Lowell do like to litigate but by the back door. 
 

The easy to win stuff !

 

just make sure you open all your mail and do not ignore a letter before action. 

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

 

If you want advice on your thread please PM me a link to your thread

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