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Lowells say Vanquis Debt is Not SB'd.


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We note your comments, however, your account is not statute barred under the Limitation Act 1980.

 

This is because the full balance became due after you defaulted on the original agreement. According to Vanquis, the Default Date was the 30th April 2020 and the debt remains enforceable for 6 years after this date.

 

Is this correct?

 

 

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Hi and Welcome to the forum....

 

A little more context would greatly assist......date of last payment/acknowledgment etc.

 

Andy 

We could do with some help from you.

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Thanks  so last payment was 7 years ago and Lowell state that the Original creditor only defaulted it this year April ...several years after the default.

 

You have not been making payments to a DMP have you ?

We could do with some help from you.

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Is it showing on your credit file ?

 

Quote

According to Vanquis, the Default Date was the 30th April 2020 and the debt remains enforceable for 6 years after this date.

 

We could do with some help from you.

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now i know vanquis are slow..but 7yrs...:pound:

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 not if the the debt was defaulted years/months after the last payment or written and signed ack the debt exists.

 

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... 

Link to post
Share on other sites

Pretty sure that even though the Default was registered exceptionally late, a Judge would question why a 6 year period has passed before a claim has been made after no payments etc. 

Also likely not to issue judgement if defended properly.

 

I would like to see the letter / email they sent minus personal deets if possible. 

 

FKO

 

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Might be worth sending Vanquis an SAR too. That could shed some light on this.

 

@andyorch I’m not sure if the OP got that info from their credit file or from Vanquis themselves.

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

 

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If you have NOT paid OR acknowledged this debt in writing for six years, five if you're in Scotland, then it is SB regardless of what lowlifes might claim.

 

Don't forget it's the run up to crimbo so they need mugs to fleece for their xmas party.

 

Is this on your credit file? Have you checked?

 

WHEN did you last pay anything towards this?

 

Can you scan and post up what they have sent 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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3 hours ago, London1971 said:

Might be worth sending Vanquis an SAR too. That could shed some light on this.

 

@andyorch I’m not sure if the OP got that info from their credit file or from Vanquis themselves.

 

According to the initial post it was Lowell that stated the Vanquis had said the default date was the 30th April 2020...but then again Lowell would say anything... until candi56 engages with this thread and answers the questions posed we are all speculating.

 

So one last time.....Is this debt showing on your credit file ? Check the various CRAs

Can you scan and redact the letter from Lowell and post it here.

Send Vanquis a DSAR

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

 

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23 hours ago, candi56 said:

We note your comments, however, your account is not statute barred under the Limitation Act 1980.

 

This is because the full balance became due after you defaulted on the original agreement. According to Vanquis, the Default Date was the 30th April 2020 and the debt remains enforceable for 6 years after this date.

 

Is this correct?

Er NO!

 

Doesn't go off the default date, you'd think if you were going to be in this industry you'd actually learn the ropes and not make it up as you go along....

 

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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shh don't tell BB he's been self isolating since covid...

 

see Doyle v PRA

 

 

 

  • Haha 1

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

5 hours ago, candi56 said:

If it is wrong what should I tell Lowells? 

 

No never enter pointless letter tennis.

credit file 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... 

Link to post
Share on other sites

and the stated defaulted date is?

 

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... 

Link to post
Share on other sites

 

26 minutes ago, candi56 said:

The default date is February  2015

 

so where are lowells getting the idea it's Apr 2020..:crazy:

and with your last payment being feb 2013 it took vanquis 2 yrs to issue a default notice too

unless ofcourse you used the card without paying anything for a few months?

 

it's going to take lowlife a few months to get this to court should they be stupid enough to go there

by then it will be SB'd - feb 2021.

 

they'll have too issue a letter before claim first too and that process and your 30days to reply will take atleast 2mts of that time

and even in court you could equally argue and win that vanquis filed DN late too , we've seen that before and lowells drop, as they do, most vanquis claims if defended properly anyway

 

pers i'd ignore them now until/unless they issue 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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Share on other sites

  • dx100uk changed the title to Lowells say Vanquis Debt is Not SB'd.
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