Lowell Claimform - OH's Vanquis Card Debt ***Settled at Mediation***

[dx100uk]

moved

 

please complete this:

 

 

dx

 

[dx100uk]

When did you enter into the original agreement before or after April 2007 ?

dont think so

[dx100uk]

done aos too?

 

dx

[dx100uk]

pop up on the MCOL website detailed on the claimform.
[if mcol is not working return after the w/end or the next day if week time]
.
 register as an individual
 note the long gateway number given
 then log in
.
 select respond to a claim and select the start AOS box.
.
 then using the details required from the claimform
.
 defend all
 leave jurisdiction unticked
 you DO NOT file a defence at this time

[you MUST file a defence regardless by day 33 ]
 click thru to the end
 confirm and exit MCOL.
..
 get a CCA Request running to the claimant
https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/
 leave the £1PO blank and uncrossed
..
 get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant]
..

https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/
..
type your name ONLY

no need to sign anything
.
you DO NOT await the return of paperwork.
you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]
 

[dx100uk]

should just follow what the guides say not the solicitors, though with lowells the solicitors desk is simply the same fake office but one desk nearer the bog.

you know it's him as he wears a different coloured skirt from the other blokes.

 

please ensure you follow our advice and refrain from doing things off your own back..

always check with us before you do anything further from now on.

 

to gain a good apprehension of what's to come and to do

it will do you know harm to go read as many threads in the successes forum of this one. 

[dx100uk]

who ever said to ring a DCA?

you've been here as long as me and thats one of the golden rules...

 

the letter is quite std for lowells

 

you need to get reading up on them

use our search top right red banner 

lowell claimform

[dx100uk]

good was worried there..

 

dx

 

[dx100uk]

yep

easy one

as there are loads of them.

use our search top right.

 

lowell claimform vanquish

 

post it up here 1st mind...

 

due date by 4pm friday 6th nov.

 

dx

 

[dx100uk]

there's no rule of thumb

but rarely do you see lowells drop a claim until after the disclosures stage

it just really depends upon what 'cards' they hold like enforceable agreement, DN, NOA etc etc

however due to andyorch's excellent help - we see most discontinued...

 

one thing that also plays a part is when the card was taken out too.

yours was taken out?

 

these will give you a good benchmark and also help with defence and after process

 

https://cse.google.com/cse?cx=partner-pub-8889411648654839:3134625398&q=lowell claimform vanquis won discontinued&oq=lowell claimform vanquis won discontinued&gs_l=partner-generic.12...166572.185174.0.188553.41.41.0.0.0.0.92.2663.41.41.0.csems%2Cnrl%3D13...0.18609j16146633j41...1.34.partner-generic..34.7.458.uRZnbd8y-qY

[dx100uk]

its not due till the 7th but i doubt lowells will reply by then.

[dx100uk]

and how did lowlife get your email address?

 

 

[dx100uk]

the DN is OK

the  NOA is ok

the agreement is a mere application form...and appears to be void of a few important prescribed terms like the right to cancel and refs T&C not included.

 

however, is that her signature and her correct email?

[dx100uk]

the IRL complaint needs to be raised with/against vanquis themselves, nothing to do with this DCa claim and TBH should have been done a long time ago GW.

 

get it going use our template, but as i say will have no bearing upon the claim.

 

 

[dx100uk]

who about what?

 

dx

 

[dx100uk]

and you believe a dca....you've been here far too long to fall for that old trick.

admit the debt by paying a bit and we'll write the rest offf..yea dream on..

[dx100uk]

Yours is not the next move.

 

best to get reading just about any claimform thread here or the legal successes forum off it

 

the more you read the stronger we become

[dx100uk]

Type in n180 in our search top right

Dxi

[dx100uk]

until the actual telephone mediation session you should continue to agree to mediation..

.when the day comes, you will be asked the same q's on the n180,

it's THEN that you state you do not have enough information to make an informed decision (should the fleecers have failed CCA/CRP) . mediation will fail."

[dx100uk]

12 minutes ago, gwebstech said:

2. You confirm that you have enough information about the claim to allow you to enter into negotiations and that you do not require any further evidence from the other party before you can mediate

 

no

[dx100uk]

On 20/11/2020 at 21:53, dx100uk said:

the DN is OK

the  NOA is ok

the agreement is a mere application form...and appears to be void of a few important prescribed terms like the right to cancel and refs T&C not included.

 

however, is that her signature and her correct email?

 

i see we've already dealt with this enough information before...they did reply with some documents before

can you answer the q in black please..

[dx100uk]

is that her signature in ink  on the CCA return they sent? ie she DID sign the application form they returned.........

[dx100uk]

On 22/11/2020 at 14:19, dx100uk said:

the IRL complaint needs to be raised with/against vanquis themselves, nothing to do with this DCa claim and TBH should have been done a long time ago GW.

 

get it going use our template, but as i say will have no bearing upon the claim.

 

 

 

sorry so you did reply before...its her sig

 

now if vanquis should have loaned to her is explained above.

 

how much of this debt is £12 fees for this and that , have you all the statements?

TBH this is getting to look a bit dodgy to me she'll succeed.... operating by Chinese whispers all the time is proving difficult

 

[dx100uk]

well as said the IRL complaint is a totally sep issue to the court claim.

the  charges too are so small as to make little diff.

 

the application form appears to me to be atleast devoid of one of the prescribed terms it must contain...

namely ..the 'your right to cancel' section typically in a box, that should contain info like 14 days to cancel etc etc,

there also appears to be ref to a T&C number that is not included in the pages of the return so far.

 

you don't have to agree to mediation (if it happens ) anyway, just state you do not have enough information to make and informed decision.

however, should you allow this to run all the way to a hearing following the exchange of witness statements and exhibits, you will have to up your game to successfully argue these point, IF Lowell dont discontinue a day or 2 before the hearing, which is their usual MO at present if they don't think their case is very strong.

 

see what others think.

 

 

[dx100uk]

I wouldn't be tipping them off about anything that could be one of a very narrow range of issues with things.

[dx100uk]

almost 100% of lowell vanquis card claimform threads in about the last year they have folded on or were already SB'd by the time of the claim

 

however, unlike yours, these have all been online signups with no real proof from the CCA they could ever prove the defendant actually did sign up from what PC and where etc etc. and mainly for much smaller sums too..

 

this claim is for +£2K? and they have the signed CCA...time to plug the hole in the boat as we can't bail out any faster nor keep doing it.

what settlement figure did they indicate?