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Lowells PAPLOC now claimform - old Vanquis card debt


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read the letter what does it say?

 

 

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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I dont have a letter

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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they have 28 days from your defence filing date to progress the claim else it gets autostayed.

 

 

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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Thanks

 

The only response I have had is the email, and whats online and thats just confirming defence.

 

So say it gets autostayed what happens to SB clock?

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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It stopped on the issuance of the claim......and remains stopped unless the claim is discontinued or dismissed by the court.

We could do with some help from you.

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So received letter from Lowel with a copy of their DQ, yet to receive one from court. How long should I wait?

 

They have asked for mediation.

 

If I was to offer then £5 full and final is that an admission of the debt?

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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On 03/11/2020 at 14:38, king100 said:

Sent PAPLOC and reply as below

 

Hopefully thats correct

king100.pdf-min.pdf 3.03 MB · 8 downloads

+ we've not lost one vanquis claim yet other than by judge lottery, they normally discontinue a few days before the hearing after WS exchange

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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Ok should I print out a DQ and send to court myself?

Worried that its been lost in post if Lowell has already had time to fill in theirs as well as send to me.

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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Check the claim status on MCOL.....it will say if DQs have been dispatched.

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

 

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Claim Status

 

A claim was issued against you on 30/11/2020

Your acknowledgment of service was submitted on 07/12/2020

Your acknowledgment of service was received on 07/12/2020

Your defence was submitted on 31/12/2020

Your defence was received on 31/12/2020

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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So the answer to you question is no.....

We could do with some help from you.

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Then my next question is why has Lowells sent me theirs?

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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To make you think they are proceeding and to make you panic and make an offer of settlement.....wait for the court to send  you the DQ....if they proceed.

We could do with some help from you.

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Yeah wont be doing that lol.

 

Just out of curiosity if you offered a full and final amount, that does constitute an admission of the debt? 

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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have you?

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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59 minutes ago, dx100uk said:

have you?

 

Nope and wont be but was just wondering about it.

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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  • 2 weeks later...

Still valid?

 

For completion once a defence has been submitted and the claimant wishes to proceed.

 

Yes to mediation No if its statute barred or a parking claim.

Yes to Small Claims Track

State your local County Court 

1 witness = yourself

 

The rest is self explanatory

 

Run 3 copies..Court/Solicitor/File

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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yes when you get your N180 from the court.

on the sols copy

omit phone/sig/email.

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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Will do

 

Just looking at their DQ answers, why have they put down 0 for How many witnesses, including yourself, will give evidence on your behalf at the hearing?

 

Does that inc other lawyers? Surely that should say at least 1.

 

It also says that claimant has 28 days after receiving a copy of defence to inform court if they wish to proceed. I dont have a date but would assume that they received their DQ after I filled my defence and that they issued me a copy dated 6th Jan, so roughly speaking they have 28 days from 6th Jan to inform court.

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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Claimants do not use witnesses to present the case.....counsel are not witnesses to the claim. 

 

The receipt of Lowells DQ is not confirmed precedence of the claim.....check the status of the claim on MCOL and see if it states DQs sent out.

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 The National Consumer Service

 

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I received my DQ today, filled in and ready to send copies to court and sol. What I am asking is on the paperwork from court it states that the claimant has 28 days after receiving my defence to proceed, so claimant must have received my defence early Jan with his DQ, as the letter to me is dated 6th Jan then I can assume that that they have 28 days from 6th to tell court if they wish to proceed. MCOL only states

 

Your defence was received on 31/12/2020

DQ sent to you on 19/01/2021

DQ filed by claimant on 19/01/2021

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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they have

they've filed their dq...

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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You cant get a DQ unless the claimant has informed the court they wish to proceed.....lets move on.

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 The National Consumer Service

 

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

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ok thanks

 

So now it will move to mediation, tried to google some info but could find much just that cases are taking ages to get to court. I would assume that mediation would be via phone due to covid?

 

As all I have seen in terms of their paperwork my position would be "I dont have a copy of the original agreement" and stick to that.

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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On 12/01/2021 at 16:00, dx100uk said:

issuance of a claimform halts the SB clock.

if you read the acknowledgement letter from the court regarding your filing of a defence 

it tells you how long they have ...go read it!

 

If small claims are taking ages to go to court this therefore will increase the time that debt will be SBd by months. It says that FT claims took 62 weeks to reach trial.

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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