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lowell/overdales claimform - old vanquis card debt.


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Posted (edited)

Hello everyone 

I'm currently going through the court process with Lowell portfolio 1 for a cc debt they bought off vanquis.

 

I've received documents from them which I requested via MCOL.

 

The copy of the CCA I received doesn't contain my address when I took out the credit card and even though it has my printed name on a blank page at the end it's been signed by someone else?

 

Any advice please 

Edited by dx100uk
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Hi welcome to CAG,

 

Is there any chance that you can scan and post up what they have sent you so others can see the CCA that they have sent you.

PLEASE ensure you remove ALL IDENTIFIERS' squiggly little boxes reference numbers etc.

 

When did you take this out?

 

Does it contain any late payment charges or fees added?

Have you reclaimed anything off Vanquis?

 

 

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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please complete this:

 

you dont request any docs via MCOL?

you mean you sent a CCa request and a CPR 31:14.

 

 

 

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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  • dx100uk changed the title to lowell/overdales claimform - old vanquis card debt.

Hello 

Thanks for replying 

 

I've received my court directions now.

 

As I said I did request my documents via mcol as I am defending the case.

I have never had any contact with this debt collection agency and I don't wish to.

Lowell/Overdales have sent me what I requested 4 months later from my initial County court claim. 

I'm not sure how to proceed when what they have provided is not adequate;

 

The covering letter from Overdales says they have sent me a reconstituted CCA which was taken out online but has a photocopied wet ink signature from someone else on it below my electronicly printed name

My address is not on it.

 

The court requested a first and final statement which I would have expected to be similar to an official credit card statement if only a copy.

All I have been sent is a downloaded list of transactions some of which are questionable.

 

The court also requested a notice of assignment from the OC which is basically a word document, no letter headings, company logo ,accreditations etc.

 

Please shed some light on this 

kind regards 

 

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can you PLEASE fill out that sticky i posted.

 

IMPORTANT^^

 

scan up everything the have sent in reply to the documents request to ONE MASS PDF

read our upload guide carefully.

 

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

Programmable Search Engine (google.com)

Clickme ^^^ and read a good few 10's of these threads 

exactly the same as your situation.

 

and lastly 

what defence did you file 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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Just type no need to hit quote...

 

Docs must be pdf only and less than  4.8Mb in size

 

Use the websites listed in upload<<clickme.

 

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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