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    • Jack Wilkinson  His address is one of those virtual offices, ie the actual business doesn’t operate from there and nobody seems to know where his garage is. However it’s 3 The Drive, Jubilee House, Brentwood, Essex, CM13 3FR I have paid him £5000 to date He’s place is about 2.5 hours away from me, but I currently live most of the year in France. I’ll attach the only piece of written evidence that I have from him. This was supposed to have been a report on the condition of the vehicle for my court case against Yew Tree Cars, but is pretty useless to be honest. He telephoned me last week to say that he was ill with Covid, but would be back at work the following Monday and the car would be returned tomorrow (4th December 2021). I sent him a text with information that I required from him before I would accept delivery of the vehicle (£175 each way). Text is added as an image below. This morning I had a phone call from his wife, with no caller id, who said that he was very ill in hospital with Covid, but he should be out on Monday. she said that they were going to take  the car to be MOT’d (it did have a 12 month MOT on it when it was collected last January) but apparently one of the 2 turbos has gone. She said Jack was going to source a replacement (obviously from a breakers yard) and fit it for free. Then it was discovered that the entire engine has to come out to fit it, which is going to cost in the region of £2000! Obviously I have no intention of paying anymore money to this person. The call ended with her telling me that Jack would telephone me next week to discuss it. Under normal circumstances one would imagine that him getting Covid is credible, but with his track record, I just see it as another delaying tactic. The forum that I found this information on is https://www.vwt4forum.co.uk/threads/ecu-solutions-brentwood-essex-any-reviews.1776159/page-4   I’m in the situation of not knowing what work he has actually done. I have no idea whether he is telling me the truth or anything. A thought that crossed my mind, after reading people’s posts on the VW site, is that he uses his customers vehicles to take parts from for other cars and then waits until a similar car comes in to replace them. I just can’t figure out the scam here, but there definitely is one! TEXT SENT ON 26/12/2021 Dear Jack, Further to our telephone conversation yesterday, I request the following from you please: 1. A full breakdown, including receipts, for the payment made to you by bank transfer to your account named 169UK for the amount of £3000 paid on the 14/01/2021. 2. A full breakdown, including receipts, for the payment made to you by bank transfer to your account named 169UK for the amount of £2000 paid on 05/02/2021. 3. Your VAT number and address of your business premises. The car wash centre where customers are requested to deliver/collect their vehicles from is not acceptable. Neither is the ‘dummy’ office that you use at Jubilee House, Brentwood, Essex. This is not your business premises. Under UK law, it is a legal requirement for you to provide this. You advised me yesterday that my vehicle will be returned to me by the end of next week, being 03/12/21. Before accepting receipt of the vehicle, the following is required: The documents requested in points 1-3, to be sent by email to **************@gmail.com  A photograph of the current mileage. A video of the exterior and interior of the vehicle. Evidence that the vehicle is running as it should be. 12 months MOT certificate. Warranty documentation for the replacement gearbox dated from 03/12/2021, again to be sent by email, before receipt of the vehicle will be accepted. Yours sincerely,   Trying to upload the photo of the document  that he sent to me by text (jpeg) but it won’t let me.  
    • Overall, the cost of the energy market failures could cost households more than £3bn, according to research from wealth management group InvestecView the full article
    • Is this the same car you bought for £4500 in December 2020 and then spent a further £7k on including a new gearbox?   And now you've spent another £5k on it (including a second replacement gearbox?) with somebody who has had the car for the last 11 months and you've had no use of it in all that time?   (I wondered if perhaps UK169 had carried out the original work and repairs after you had first bought the car last year, but you said on your other thread that you'd spent £7k on repairs, not £5k.  It's a bit confusing... )   EDIT:  Reading again, UK169 did carry out the original repairs etc after you bought it from Yew Tree although you did say on the other thread £7k not £5k.  So in the 11 months since you bought the car, it's only been in your physical possession for a couple of weeks and the rest of the time it's been with UK169?  Did you get any money back from Yew Tree?
    • Jack Wilkinson  His address is one of those virtual offices, ie the actual business doesn’t operate from there and nobody seems to know where his garage is. However it’s 3 The Drive, Jubilee House, Brentwood, Essex, CM13 3FR I have paid him £5000 to date He’s place is about 2.5 hours away from me, but I currently live most of the year in France. I’ll attach the only piece of written evidence that I have from him. This was supposed to have been a report on the condition of the vehicle for my court case against Yew Tree Cars, but is pretty useless to be honest. He telephoned me last week to say that he was ill with Covid, but would be back at work the following Monday and the car would be returned tomorrow (4th December 2021). I sent him a text with information that I required from him before I would accept delivery of the vehicle (£175 each way). Text is added as an image below. This morning I had a phone call from his wife, with no caller id, who said that he was very ill in hospital with Covid, but he should be out on Monday. she said that they were going to take  the car to be MOT’d (it did have a 12 month MOT on it when it was collected last January) but apparently one of the 2 turbos has gone. She said Jack was going to source a replacement (obviously from a breakers yard) and fit it for free. Then it was discovered that the entire engine has to come out to fit it, which is going to cost in the region of £2000! Obviously I have no intention of paying anymore money to this person. The call ended with her telling me that Jack would telephone me next week to discuss it. Under normal circumstances one would imagine that him getting Covid is credible, but with his track record, I just see it as another delaying tactic. The forum that I found this information on is https://www.vwt4forum.co.uk/threads/ecu-solutions-brentwood-essex-any-reviews.1776159/page-4   I’m in the situation of not knowing what work he has actually done. I have no idea whether he is telling me the truth or anything. A thought that crossed my mind, after reading people’s posts on the VW site, is that he uses his customers vehicles to take parts from for other cars and then waits until a similar car comes in to replace them. I just can’t figure out the scam here, but there definitely is one! TEXT SENT ON 26/12/2021 Dear Jack, Further to our telephone conversation yesterday, I request the following from you please: 1. A full breakdown, including receipts, for the payment made to you by bank transfer to your account named 169UK for the amount of £3000 paid on the 14/01/2021. 2. A full breakdown, including receipts, for the payment made to you by bank transfer to your account named 169UK for the amount of £2000 paid on 05/02/2021. 3. Your VAT number and address of your business premises. The car wash centre where customers are requested to deliver/collect their vehicles from is not acceptable. Neither is the ‘dummy’ office that you use at Jubilee House, Brentwood, Essex. This is not your business premises. Under UK law, it is a legal requirement for you to provide this. You advised me yesterday that my vehicle will be returned to me by the end of next week, being 03/12/21. Before accepting receipt of the vehicle, the following is required: The documents requested in points 1-3, to be sent by email to **************@gmail.com  A photograph of the current mileage. A video of the exterior and interior of the vehicle. Evidence that the vehicle is running as it should be. 12 months MOT certificate. Warranty documentation for the replacement gearbox dated from 03/12/2021, again to be sent by email, before receipt of the vehicle will be accepted. Yours sincerely,   Trying to upload the photo of the document  that he sent to me by text (jpeg) but it won’t let me.  
    • And a draft claim form to the courts in my name attached to it    What would you advise i do from here?
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Lowell's OH Vanquis card - PAPLOC


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Hi caggers, 

OH got a vanquis card, defaulted and made a last payment in July 2015.

Since she gave me a heads up with threat letters for pre-court action, I fired off a CCA and got a response way after the prescribed time line (I can live with that).

 

They did send her a CCA and breakdown of spends.

The problem I had with the CCA they sent her was it was pretty unreadable (I can post a copy) but it had her signature on there.

I don't doubt the OH owes money but after speaking with her she cannot remember but didn't think it was as much as Lowell's are wanting to claim for as she only had a £500 limit and the amount they want is near £900.

 

I fired off an AID letter stating the CCA was illegible and at the same time sent a SAR to them specifically asking for a copy of the DN, Breakdown of charges and Interest and anything else they hold.

 

They come back acknowledging both letters but still asked what she her intentions are regarding the account with failure to do so possibly resulting in a claim form incurring costs.

 

They also said they will not send any further copies of the CCA as they've already compiled with the original CCA request.

 

Am I correct in thinking the CCA has to be legible and that this is grounds for the AID?

I'm happy to come to an arrangement to clear the right amount owed but not some over inflated figure.

 

Thanks PM

IQOR (the OH) - No CCA, gone away.:madgrin:

Simply Be (the OH) - No valid CCA, gone away.:madgrin:

HSBC Loan - No CCA, not gone away but who cares, they have nothing.:madgrin:

HSBC Overdraft - No CCA, not gone away but who cares, they have nothing.:madgrin:

LTSB Loan and Overdraft (the OH) - AID, awaiting result on PPI and Bank Charges complaint.

Vanquis - No CCA, gone away.:madgrin:

MBNA CC - No CCA, awaiting DSAR outcome.

MBNA Loan - awaiting DSAR outcome.

Capital One (the OH) - No CCA, gone away.:madgrin:

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shouldn't have bothered with the AID letter 

that was stupid advice that should have died 10yrs ago.

just invites pointless letter tennis

for a 2015 card i doubt its signed as such, but an online signup?

 

there are numerous threads here with CCa returns from lowell and vanquish card debts.

very few are enforceable

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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Morning dx its signed, will post a picture when I get back from work what they sent her and have a read of some of the thteads you mentioned.

IQOR (the OH) - No CCA, gone away.:madgrin:

Simply Be (the OH) - No valid CCA, gone away.:madgrin:

HSBC Loan - No CCA, not gone away but who cares, they have nothing.:madgrin:

HSBC Overdraft - No CCA, not gone away but who cares, they have nothing.:madgrin:

LTSB Loan and Overdraft (the OH) - AID, awaiting result on PPI and Bank Charges complaint.

Vanquis - No CCA, gone away.:madgrin:

MBNA CC - No CCA, awaiting DSAR outcome.

MBNA Loan - awaiting DSAR outcome.

Capital One (the OH) - No CCA, gone away.:madgrin:

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one multipage pdf only please

read our upload guide carefully 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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Share on other sites

Evening Caggers,

I've attached what Lowell's had sent the OH relating to my CCA request

If you ask if the credit agreement could be better its even worse in real life (its pretty much unreadable to the naked eye). 

 

They've asked me on the last letter the OH got off them that they would not be sending another copy of the CCA as they've already sent one.  I get that they've sent her a CCA, but to be unreadable this cannot be correct. 

 

the stars aligned today as the postwoman delivered the contents of the SAR I'd sent to Lowells. 

What they sent was generic letters but without the OH's details showing which I thought was quite strange, copies of what I've attached on the PDF and a couple of legacy information from the previous DCA that had it. 

 

What was not included was a breakdown of any additional charges and interest placed on the account nor a Default Notice which I specifically asked for. 

 

Any thoughts on what I've posted would be much appreciated. 

 

Thanks PM 

 

CCA Return .pdf

IQOR (the OH) - No CCA, gone away.:madgrin:

Simply Be (the OH) - No valid CCA, gone away.:madgrin:

HSBC Loan - No CCA, not gone away but who cares, they have nothing.:madgrin:

HSBC Overdraft - No CCA, not gone away but who cares, they have nothing.:madgrin:

LTSB Loan and Overdraft (the OH) - AID, awaiting result on PPI and Bank Charges complaint.

Vanquis - No CCA, gone away.:madgrin:

MBNA CC - No CCA, awaiting DSAR outcome.

MBNA Loan - awaiting DSAR outcome.

Capital One (the OH) - No CCA, gone away.:madgrin:

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thats not a credit agreement, it's a signed application form,

it doesn't contain all the prescribed terms it should, and it also refs other T&C terms that are not included.

 

as for ever sending an SAR to a DCA, thats the same as sending a stupid AID letter, simply invites pointless letter tennis.

 

sit on your hands until/unless they send a letter of claim and a reply pack.

 

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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dx will do thank you

IQOR (the OH) - No CCA, gone away.:madgrin:

Simply Be (the OH) - No valid CCA, gone away.:madgrin:

HSBC Loan - No CCA, not gone away but who cares, they have nothing.:madgrin:

HSBC Overdraft - No CCA, not gone away but who cares, they have nothing.:madgrin:

LTSB Loan and Overdraft (the OH) - AID, awaiting result on PPI and Bank Charges complaint.

Vanquis - No CCA, gone away.:madgrin:

MBNA CC - No CCA, awaiting DSAR outcome.

MBNA Loan - awaiting DSAR outcome.

Capital One (the OH) - No CCA, gone away.:madgrin:

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  • 2 months later...

Morning Caggers the other half got the letter of claim pack from Lowells today, should I fill it out and return or ignore it? Thanks PM

IQOR (the OH) - No CCA, gone away.:madgrin:

Simply Be (the OH) - No valid CCA, gone away.:madgrin:

HSBC Loan - No CCA, not gone away but who cares, they have nothing.:madgrin:

HSBC Overdraft - No CCA, not gone away but who cares, they have nothing.:madgrin:

LTSB Loan and Overdraft (the OH) - AID, awaiting result on PPI and Bank Charges complaint.

Vanquis - No CCA, gone away.:madgrin:

MBNA CC - No CCA, awaiting DSAR outcome.

MBNA Loan - awaiting DSAR outcome.

Capital One (the OH) - No CCA, gone away.:madgrin:

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click the link in your last post 

follow post 2.

because

 

the claimant has previously failed to suitably comply 

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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Share on other sites

Hi dx, I've completed paperwork just one query I've already sent a CCA previously should I still attach a 1 pound PO with new CCA or just ask for the information? Thanks PM

IQOR (the OH) - No CCA, gone away.:madgrin:

Simply Be (the OH) - No valid CCA, gone away.:madgrin:

HSBC Loan - No CCA, not gone away but who cares, they have nothing.:madgrin:

HSBC Overdraft - No CCA, not gone away but who cares, they have nothing.:madgrin:

LTSB Loan and Overdraft (the OH) - AID, awaiting result on PPI and Bank Charges complaint.

Vanquis - No CCA, gone away.:madgrin:

MBNA CC - No CCA, awaiting DSAR outcome.

MBNA Loan - awaiting DSAR outcome.

Capital One (the OH) - No CCA, gone away.:madgrin:

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no

you did use our pdf and completed as post 2 there with the extra line as above in the reason..

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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Hi dx, yes I used the PAP at post 2 and used the sentence recommended but it then tells you to go to box I to complete.

 

The post on the link then says ask for x, y, z and attach a PO.

Or have I missed a trick? I've not sent the pack off for her yet anyway so can redo.

IQOR (the OH) - No CCA, gone away.:madgrin:

Simply Be (the OH) - No valid CCA, gone away.:madgrin:

HSBC Loan - No CCA, not gone away but who cares, they have nothing.:madgrin:

HSBC Overdraft - No CCA, not gone away but who cares, they have nothing.:madgrin:

LTSB Loan and Overdraft (the OH) - AID, awaiting result on PPI and Bank Charges complaint.

Vanquis - No CCA, gone away.:madgrin:

MBNA CC - No CCA, awaiting DSAR outcome.

MBNA Loan - awaiting DSAR outcome.

Capital One (the OH) - No CCA, gone away.:madgrin:

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the po is for the CCA which you don't need to repeat and anyway that goes to the claimant and nothing to do with the pap reply to their solicitor that sent the pap 

 

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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Share on other sites

  • 3 weeks later...

Hi there,

got a response to the PAP from Lowells today, account suspended until they receive a DN from their client (Lowells).

 

Now I sent a SAR to Lowells previously for the better half and didn't receive a DN in the information sent.

 

What happens if all of a sudden a DN appears?

Would I be able to go to the ICO for failing to fully comply with a SAR?

Or are they more than likely bluffing on the DN?

 

Thanks PM

IQOR (the OH) - No CCA, gone away.:madgrin:

Simply Be (the OH) - No valid CCA, gone away.:madgrin:

HSBC Loan - No CCA, not gone away but who cares, they have nothing.:madgrin:

HSBC Overdraft - No CCA, not gone away but who cares, they have nothing.:madgrin:

LTSB Loan and Overdraft (the OH) - AID, awaiting result on PPI and Bank Charges complaint.

Vanquis - No CCA, gone away.:madgrin:

MBNA CC - No CCA, awaiting DSAR outcome.

MBNA Loan - awaiting DSAR outcome.

Capital One (the OH) - No CCA, gone away.:madgrin:

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yours is not the next move.

 

they might not have ever requested any paperwork from the oc....but since the sar have..

they don't usually have anything...as they expect people to wet themselves believing they have some magic powers and blindly pay up like 99% of UK mugs do when they get a letter from a totally powerless dca...

 

 

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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Dx, how I've read it (NoA) Lowells own the outstanding debt, so when their solicitors say we'll ask our client they are talking to somone across the desk. I have a letter from the OC that says they've sold it to Lowells.

IQOR (the OH) - No CCA, gone away.:madgrin:

Simply Be (the OH) - No valid CCA, gone away.:madgrin:

HSBC Loan - No CCA, not gone away but who cares, they have nothing.:madgrin:

HSBC Overdraft - No CCA, not gone away but who cares, they have nothing.:madgrin:

LTSB Loan and Overdraft (the OH) - AID, awaiting result on PPI and Bank Charges complaint.

Vanquis - No CCA, gone away.:madgrin:

MBNA CC - No CCA, awaiting DSAR outcome.

MBNA Loan - awaiting DSAR outcome.

Capital One (the OH) - No CCA, gone away.:madgrin:

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we know that but you see these solicitors are one desk nearer the bog in the same office and the double stink they have around them prevents differing blokes in differing coloured skirts from talking to each other...........

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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Share on other sites

  • 1 month later...

Hi caggers got a DN response from Lowells, I don't really know if its legit. I would have thought you'd get more than two weeks to bring an account up to date, but I just don't know. Any help as always would be appreciated.  PM

DN & Covering Letter.pdf

IQOR (the OH) - No CCA, gone away.:madgrin:

Simply Be (the OH) - No valid CCA, gone away.:madgrin:

HSBC Loan - No CCA, not gone away but who cares, they have nothing.:madgrin:

HSBC Overdraft - No CCA, not gone away but who cares, they have nothing.:madgrin:

LTSB Loan and Overdraft (the OH) - AID, awaiting result on PPI and Bank Charges complaint.

Vanquis - No CCA, gone away.:madgrin:

MBNA CC - No CCA, awaiting DSAR outcome.

MBNA Loan - awaiting DSAR outcome.

Capital One (the OH) - No CCA, gone away.:madgrin:

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can you rotate things please and put all figure and dates back....

how can we determine if it meets the CCA section 87 requirements without those?

 

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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Share on other sites

Hi dx take 2.  PM

DN & Letter.pdf

 

Could I add that when they sent the DN through, we'd moved a couple of months earlier. So the other half never got it originally.

IQOR (the OH) - No CCA, gone away.:madgrin:

Simply Be (the OH) - No valid CCA, gone away.:madgrin:

HSBC Loan - No CCA, not gone away but who cares, they have nothing.:madgrin:

HSBC Overdraft - No CCA, not gone away but who cares, they have nothing.:madgrin:

LTSB Loan and Overdraft (the OH) - AID, awaiting result on PPI and Bank Charges complaint.

Vanquis - No CCA, gone away.:madgrin:

MBNA CC - No CCA, awaiting DSAR outcome.

MBNA Loan - awaiting DSAR outcome.

Capital One (the OH) - No CCA, gone away.:madgrin:

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On 31/10/2020 at 19:07, penmarine said:

and a couple of legacy information from the previous DCA that had it. 

 

who^^

 

agreement looks ok bar no T&C's , DN looks ok. NOA looks ok.

they are trying to squeeze a court claim in before it goes past the SB date of the DN + 14days + 6yrs...

but that might not be relevant if the last payment was weeks or months before vanquis issued the DN...which was?

 

 

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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Share on other sites

I'll have to dig out the info, it will be tomorrow now.

 

I remember the application form lack of T&Cs bit when I put a CCA in for her, suggesting it's not a proper CCA at all.

 

I do have another question, its more GPDR related if vanquis sold the debt (NoA) why would they still be holding onto information they technically shouldn't be? 

 

I only ask as I deal with this at work sometimes, very rarely I must add so things have probably changed.

IQOR (the OH) - No CCA, gone away.:madgrin:

Simply Be (the OH) - No valid CCA, gone away.:madgrin:

HSBC Loan - No CCA, not gone away but who cares, they have nothing.:madgrin:

HSBC Overdraft - No CCA, not gone away but who cares, they have nothing.:madgrin:

LTSB Loan and Overdraft (the OH) - AID, awaiting result on PPI and Bank Charges complaint.

Vanquis - No CCA, gone away.:madgrin:

MBNA CC - No CCA, awaiting DSAR outcome.

MBNA Loan - awaiting DSAR outcome.

Capital One (the OH) - No CCA, gone away.:madgrin:

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it has never been the case someone that once held your information must destroy it immediately once you or they cease to have any 'mutual' association..... strictly against the prevention of fraud act and various  data protection etc acts...

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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Dx I'm gonna speak to the ICO it doesn't sit right, I had the same type of problem with mbna many years ago for myself. They royally scored an own goal and the debt literally disappeared when I put an ICO complaint  in for data breaches.

IQOR (the OH) - No CCA, gone away.:madgrin:

Simply Be (the OH) - No valid CCA, gone away.:madgrin:

HSBC Loan - No CCA, not gone away but who cares, they have nothing.:madgrin:

HSBC Overdraft - No CCA, not gone away but who cares, they have nothing.:madgrin:

LTSB Loan and Overdraft (the OH) - AID, awaiting result on PPI and Bank Charges complaint.

Vanquis - No CCA, gone away.:madgrin:

MBNA CC - No CCA, awaiting DSAR outcome.

MBNA Loan - awaiting DSAR outcome.

Capital One (the OH) - No CCA, gone away.:madgrin:

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about what?

 

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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Share on other sites

  • dx100uk changed the title to Lowell's OH Vanquis card - PAPLOC

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