Lowells say Vanquis Debt is Not SB'd.

[dx100uk]

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

[dx100uk]

no not if the the debt was defaulted years/months after the last payment or written and signed ack the debt exists.

 

[dx100uk]

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

 

see Doyle v PRA

 

 

 

[dx100uk]

5 hours ago, candi56 said:

If it is wrong what should I tell Lowells? 

 

No never enter pointless letter tennis.

credit file please

[dx100uk]

and the stated defaulted date is?

 

dx

[dx100uk]

 

26 minutes ago, candi56 said:

The default date is February  2015

 

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

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