Just an update.
CCA sent to Lowell's 17th May 2022 with £1 postal order - Still awaiting reply.
Today I have received a reply from Vanquis in respect of my GDPR / SAR .
Request for statements declined unless I pay £5 for each? They have sent a printed copy of account statement but I wanted to check for charges on the account. They also declined request for telephone conversation details apart from supplying some notes.
They have also sent the following:
1) 2 screen pages of a Digital Signature Application under my old account number (no signature).
2) Detailed copy of transactions which include various billed finance and deferred charges.
3)Telephone file notes but majority I do not remember receiving and seems that they were contacting an incorrect number? These include limit increases that went from £1,000 to £3,000
4)Customer Notes & key to Abbreviations
5) Various copies of letters (not letter headed) in which majority I never received
6) A bad copy of Notice of Default dated 22nd September, 2017 with a photocopy of terms & conditions / Credit Card Agreement details with my printed name next to Signed by? also dated 21st November 2013. Again I cannot remember or locate receiving the original.
Is there anything else I should have received and is that correct regarding full statements?
I cannot find anything regarding APR being paid on the account or whether it has increased from date of purchase?
Just a recap account appears as defaulted 30/01/18 on my Credit File.
Notice of default letter dated 22/9/17
Notice of Sums in Arrears letter dated 15/11/17.
Account number was changed in November 2014 due to what looks like fraud on the account but no letter details enclosed explaining this?
Any further comments would be appreciated as to what to do next.
And should APR % be shown on statements?
All I can find on a couple of old ones is only monthly %?
Should I also receive Annual Statements? No details amongst SAR.
Thanks again.