Dealing with Vanquis and Lowell CaT Debt

[mrdonj]

Hi CAG. Figured I'd ask for some advice for two debts that I have

 

Debt 1 - Vanquis Credit Card.

As things are right now, I owe £2400 (£150 over agreed limit).

 

Due to mental health issues, I've had the account frozen for roughly 2 years. They have not added any interest to the account and my credit is reported as ok each month.

 

Each month I'm sent a statement recommending I pay the £150 if I can, but that I am not required to. The account of course won't be frozen forever and I would like to avoid a default on this account.

 

Would it be advisable to arrange a payment plan with Vanquis once the account freeze is over?

 

Debt 2 - Debt sold to Lowell (originally with Very).

Defaulted in October 2019.

Have been making £1 payments since.

 

Haven't dealt with a DCA that didn't involve being sent a claimform so not sure how to proceed in terms of cancelling the DD and challenging them to prove the debt is mine (if that is a solution).

[dx100uk]

just start paying vanquis what you can when you can

 

as for lowlife send them a cca request

 

dx

 

[mrdonj]

cheers, will get on to it with "lowlife"

 

Edit: In regards to the current £1 plan I have with them. Do I cancel the DD or leave things as they are until the result of the CCA request?

Edited October 13, 2021 by mrdonj
additional query

[dx100uk]

if they fail to respond within 12+2 working days....yes

 

dx

[honeybee13]

Thread reopened.

 

HB

[mrdonj]

Just wondering what my next course of action should be.

 

I am uploading what they sent to me a few weeks ago. I didn't include the full list of purchases since I'd need to redact all of it.

 

I'd like to avoid them sending a claim if possible

 

 

 

Lowell CCA Request.pdf

[dx100uk]

urm..

quite interesting really

16th they send the CCA stuff.

18th they offer an 80% discount but cant calculate 80% of £2100 .. but why give that amount of massive discount

and 

include 2 documents with your details on that claim to be the agreement you digitally signed upto...urmmmmmmmm

 

IMHO something smells which is why the discount.?

i'd see where they go if/to letter of claim 

 

it also pains me you came here in 2015, you know all about CCA from your past threads, but have continued to blindly pay them, even after earlier advice in this thread too.

 

dx

 

 

 

[mrdonj]

I'll be honest. It is the amount that scared me back when I started making payments, then forgot about it for a while and had other stuff going on, hence the delay.

 

I do find it odd that they'd offer such a large discount too.

 

The discount seems correct to me? 80% of £2624.62 is £524.

 

List of items purchased seems about right with what I'd bought in the past.

 

So cancel DD and see if the go ahead with a claim in the future?

Edited June 3, 2022 by mrdonj

[Badtimes123]

This definitely looks like they know it's unenforceable! also many of those pages uploaded are either totally unsigned or you have the best redacting skills I've seen

 

So such a large discount within days of you showing you are likely to start challenging it, is a standard practice in the hopes you will see a bargain and rather pay to 'save yourself the hassle' than defend. It is also likely that even with 80% discount, they would make a profit on their purchase.

 

I personally would stop paying and wait, as dx says, for if they send a letter of claim. At which point you request even more documents they won't have

 

BT