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Lowell Claimform - old Vanquis Credit Card


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County court business centre Northampton 

 

Hi please help

 

 

date of claim - 17 June 

 

claimant  - Lowell portfolio Ltd

 

solicitors  Overdale

 

POC.

 

1.The claims for the sum of £2840 Due by the defendant under agreement regulated the consumer credit act 1974 for a vanquish account 3########

 

2.The defendant failed to make contractual payments required By the agreement and a default notice was served under s.87(1) Of the consumer credit act 1974 And not been compiled with

 

3.The debt was legally assigned to the claimant 0n 30/09/20 Notice of which has been given to the defendant 

 

4.The claim includes statutory interest s.69of the county courts act 1984 at a rate of 8% per annum from the date of assignment to date of issue of these proceedings in the sum of £227.24

 

The claimant claims the sum of 

£3067.70

Court fee £205

Legal rep fee £80

Total £3352.70

 

What is the total value of the claim? £3352.70
 

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ?  don't  recall anything
 

Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No
 
Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? 
Credit Card
 

When did you enter into the original agreement before or after April 2007 ?  doesn’t recall, but the documents suggest after
 

Do you recall how you entered into the agreement...On line /In branch/By post ?  doesn’t recall
 

Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes
 

Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt Purchaser
 

Were you aware the account had been assigned – did you receive a Notice of Assignment?  no.
 

Did you receive a Default Notice from the original creditor? No
 

Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? No
 

Why did you cease payments? doesn’t recall
 

What was the date of your last payment? doesn’t recall
 

Was there a dispute with the original creditor that remains unresolved?  doesn’t recall
 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan?  doesn’t recall

 

 

 

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go look at the history of the debt on your credit file

it should give you your last payment date

and it should also tell you when you took the card out.

 

 

 

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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go look at the history of the debt on your credit file

it should give you your last payment date

and it should also tell you when you took the card out.

 

what other letters did you get from lowells PRIOR to getting the court claim?

did you get a letter of claim about 4-6 weeks ago with a reply pack wanting all your financial details

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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Hi thank you the vanquis card was taken out oct 2009

The last payment April 2019

October 2020 it says (s)

I had no letters of claim Lowell 

Thank you.

 

Hi I got in debt paying my son drug dealer evilutes more gonna come any help appreciated 

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pop up on the MCOL website detailed on the claimform.
[if mcol is not working return after the w/end or the next day if week time]
.
 register as an individual on the Gov't Gateway Site
Go to HMRC's login page.
Click the GREEN sign in button.
Click “Create sign in details”
Enter your email address where asked.
You will now be emailed a confirmation code. ...
You will now be issued with a User ID for your government gateway account.
 note down your details inc the long gateway number given, you might need it later.
 then log in to the MCOL Website
.
 select respond to a claim and select the start AOS box.
.
 then using the details required from the claimform
.
 defend all
 leave jurisdiction unticked
 you DO NOT file a defence at this time
[BUT you MUST file a defence regardless by day 33 ]
click thru to the end
confirm and exit MCOL.
..
get a CCA Request running to the claimant

https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/

..

Leave the £1 PO unsigned and uncrossed

.

get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant]
...
.[use our other CPR letter if the claim is for an OD or Telecom Debt]
.

https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/

.

on BOTH type your name ONLY
Do Not sign anything
.
you DO NOT await the return of ANY paperwork 
you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]

..............


 

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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Thanks all done defend all 

And cca  letter sent to the claimant solicitors I now have About 29 days to defend 

Thanks next move appreciated 

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use our enhanced google searchbox

 

lowell claimform vanquis

 

10's of threads here

read a good few

dont wait docs

dont miss day 33 defence filing date.

 

pop back here with you idea for checking first.

 

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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