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Lowells PAPLOC now claimform - old Vanquis card debt


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no worries just keeping updated on situation

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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Scan redact and upload a copy of the letter please attached to the Tomlin...also a copy of the Notice of Default if we dont already have it.

 

Andy

We could do with some help from you.

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£ figures in DN please

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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just for info notice to default above actual default date 31 May 2016

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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the only thing you ever need to remove is name address and any ref no's.

 

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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1 hour ago, king100 said:

just for info notice to default above actual default date 31 May 2016

 

States 2nd Dec 2015 and must be paid by 21st Dec 2015 = 19 days. 

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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2 minutes ago, Andyorch said:

 

States 2nd Dec 2015 and must be paid by 21st Dec 2015 = 19 days. 

 

Default date of 31st May 2016 is whats on my credit 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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So they registered it 5 months later......but statute of limitations would run from 21st Dec 2015 

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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Any reason to upload Tomlin order? And default letter?

 

Since ive never been given terms and conditions just a application form. Ive havent been down this path before. Last time they just went to court snd won as they had t&cs.

 

Is this a hail mary for to cave and sign?

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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Had to hide your dn upload name showing

the reason i wanted the dn £ figures is because vanquis often add hidden DN fess for issuing one.

 

they have this time too.

the sum stated to pay is £200

But only over limit by £150..

Where this extra £50 fron?

Dn void as includes fees??

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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Are you suggesting the default notice is void as includes £50 fee?

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 something smells 

why exactly £200 to pay..

doesnt make sense 

 

In all the faff of you misunderstanding just about every part so far..it might pay you to send vanqu is an sar?

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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Do you think if they had T&Cs that they would have produced it by now? Lowell that is?

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'd do far better and read all the other vanquis claimform threads here.

 

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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  • 1 month later...

Update

 

Received mediation appointment.

 

Am I basically stating that they do not have a true and original copy of the terms and conditions and they should drop the case?

 

  1. I am willing to negotiate on the amount of the claim and I will consider a compromise.
  2. I have enough information about the claim to enter into negotiations and do not require any further evidence from the other party before starting mediation.
  3. I’m available for the entire time slot on the date of my appointment.

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 23/01/2021 at 18:47, dx100uk said:

mediation has always been by phone..

if when it actually happens

the same q's ..are asked again as the n180 form

if you've not received enough information to make an informed decision to progress it. Then tell them so

 

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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No 2 says I have enough information about the claim to enter into negotiations and do not require any further evidence from the other party before starting mediation. I dont have enough information, should I email back and state this or wait till I am on the call?

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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as clearly stated in numerous claimform threads in this forum you should enter into the 'spirit' of mediation by giving the claimant as much time as possible to comply with your requests, your actual mediation call could still be weeks away, where the same 3 questions should be asked to you again by the mediator before the mediation starts, whereby if nothing more has been received, you would answer NO to Q2.

 

your choice if you answer no now, or continue to await possible further disclosures before mediation happens.

 

 

 

 

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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