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Lowell Claimform - old Vanquis Card Debt


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filed all ok...you got in to mcol?

 

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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wouldn't of allowed you to do it if it wasn't in time.

unlucky lowells!!

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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  • 2 weeks later...

They have 33 days to consider your defence and decide if they wish to proceed.....you only submitted your defence 10 days ago.

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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  • 3 weeks later...
Posted (edited)

Right - I've received a fairly weighty missive from Overdales...

 

 

 

With pages of transactions...

 

 

Apart from that, there's a missive from Vanquis from when everything went belly up for me... A standard agreement (as you would get if you just enquired about a card) with an overprint at the bottom of the last page with my name printed on it

 

 

docs1 .pdf

Edited by dx100uk
posts/pdf's merged
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everything in one PDF in post above properly redacted as jpg not in a pdf editor that can be undone.

 

so no default notice yet then....and those T&C's don't have your name & address on them.

 

so this was an online sign up and you did your sig on the screen?

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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I've only got the one PDF editor (I normally do everything in DOCX) - I opened it up again and it wouldn't let me undo the changes, so I thought that it was OK - hopefully this one's better. What do you use to redact stuff then?

 

There was a default notice from Vanquis - way back when - they included it in the bumph (I've included a copy).

 

As for signing - I have no memory, but I guess that it must have been online.

 

Original default.pdf

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thread tidied again.

DN in your post above - thats compliant IMHO. 

 

there is nothing that makes it clear this was an online sign up other than 'Credit card agreement: you electronically signed this on 14 October 2018 at
1.53pm.'

and

Your details:
We are Vanquis Bank Limited
Our address is No.1 Godwin Street, Bradford, West Yorksh ire BD1 2SU
You are the person signing this agreement whose name and address
are stated on the Reply Card or your application form - so the T&C's can't be for an on line sign up.

which tallies why the T&C's do not have your name and address for the time of sign up either which they must have

 

if you signed that you would have had to have used a mobile phone or tablet or touchscreen PC. which i doubt, there is also no IP address??

 

 

 

 

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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Have you read any other lowell claimform threads here as advised yet?

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

Well you always agree to mediation in small claims unless there's nothing to meditate over or the debt is sb'd on the n180 dq.... But if that actually happen s is down to you and the info you have to be able to make an informed decision.

 

imho im not 1000% happy with all surrounding that cca return. It would help if you were a wee bit more memory man upon it sign up background.

 

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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Posted (edited)

One thing I find a little odd - MCOL lists the acknowledgement being received on the 29th of June and that the defence was received on the 26th of July. I've read that they have 33 days to decide whether to go ahead, which would be something like the 29th of this month - next Monday - is that correct? I only got the stuff back from them yesterday.

 

Sorry about the memory bit! Years ago (despite being ex IT myself) I used to set everything up as printed in filing cabinets - especially as credit agreements were actually signed with a pen on paper! Now with you being able to just "click", it makes the whole thing rather "nebulous" - and trying to remember what I clicked on 3+ years nigh on impossible.

 

I may have to go back to printing everything out...

Edited by Mandorallan
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The court will write acking. Your defence give the time limit else it gets autostayed.. You dont get advised of that

If it goes fwd your next movement is a blank n180 dq from the court

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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Posted (edited)

So should I hold fire and wait for that, or is there something that should be looking into?

 

I have to say, all these various forms/actions/timings are somewhat confusing to the lay person (even having read up the cases on here).

Edited by Mandorallan
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We noticed

 

keep rea threads here it will sink in

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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  • 2 weeks later...

Apparently so as the court has allowed it.

 

 

.

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

 

If you want advice on your Topic please PM me a link to your thread

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You cant object or set a side to the filling of a Directions Questionnair...thats the process...they issued a claim you submitted a defence they wish to proceed now it goes to allocation of the claim. Just because DQs are proceeding does not mean the games over...long way to go yet.

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

 

If you want advice on your Topic please PM me a link to your thread

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object to a  late filing of dq...not worth  it ..

 

 

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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