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

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urm....try PDL general forum

i'll post the link later out at present

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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moved   please complete this:     dx  

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 gi

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 diff

  • 3 weeks later...

So mediation happened,i blagged it and i told them that i didnt think they would get  judgement as to my knowledge there were some t&c missing and that that might potentially get a judge to throw it out.


She came back and said, they said i had copied and pasted the defence and that the necessary t&c were all there and that it was basically an open and shut case.. My only thing i could argue was that the terms werent there in full and so it was a risk them going to court, a risk i was prepared to take.


The mediator was a cow, she tried to belittle me and show me up as i couldnt remember what the CCA request stood for, but even though i couldnt remember, i knew the important bits about what it needed to contain so i stood my ground and long story short got the debt cut in half


I should have prepared a bit better really but as i was doing it for her she was happy that some got knocked off.


Now im going to send the IRL lending letter and hope she gets the rest wiped off


thanks to the team here for the amazing help



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so i stood my ground and long story short got the debt cut in half


So has the claim been settled at mediation ?

We could do with some help from you.



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