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Lowells PAPLOC - old Vanquis card 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..

 

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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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..

 

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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  • dx100uk changed the title to Lowell and vanquis debt.
  • dx100uk locked this topic
  • dx100uk unlocked this topic

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..

 

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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  • 6 months later...

Just received a letter of claim from Lowell. Old Vanquis debt.

 

Default Date was May 2016.

 

Now what I would like to know is if I want to make an arrangement, would this then update my credit file? All I am getting on file is D.

 

I cant remember this debt, lot of things have happened since then and I have various credit cards then.

 

If I was to contest it what would I need to do now?

 

Thanks

 

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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  • dx100uk changed the title to Lowells PAPLOC - old Vanquis card debt

threads merged for history

 

you follow as post 2 in the thread mentioned above already 

repeated below:

 

 

 

dx

 

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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  • 2 weeks later...
Posted (edited)

There is absolutely zero point in making an arrangement to pay, all this does is mark your credit file with AP markers, even worse than D.....

 

You've got two more years of default markers on your CRF, then it'll drop off your file never to be seen again.

 

If Vanquis didn't want their 3k then why do you think they flogged it on to these clowns?

 

Lowlifes are simply hot air, until anyone comes up with enforceable paperwork then sit on your hands, file lowlifes silly missives in a drawer and forget about them, unless they think they have any evidence to put this before a judge, they're simply willy waving.

 

P.S. what's this ''notice of acting'' malarkey they're spouting on about?? Next thing they'll be telling you their letters are ''Valid even if not read by you!!''

Edited by Bazooka Boo

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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