Theres a default from Active Securities Ltd.. default march 2016 SafetyNet Credit t/a Indigo Michael Ltd..default aug 2016 There the ones on my credit file now what i can see, thanks dx The date of the default for sll capital is 26th april 2016

Thank you dx, have read but didn't understand it that well. What's my next step? Cheers

Hi all, i keep getting letters from ssl capital for a pdl from mr lender for around £277.01.. its on my credit report from 2016. I sent a prove it letter to which they replied with a copy of the agreement and a copy of THEIR default notice. I have written back asking for the original creditors default notice and got a reply saying that " BALANCE: £277.01 Dear Mr ... Mr Lender did not register a default against your credit file a and therefore would not have sent you a default notice. SLL Capital have registered a default against your credit file and the copy of your default notice has been provided. Should i Sar both ssl and mr lender? Cheers

, quick question - can i request they remove this from credit report too? Cheers

No worries, i have donated, thanks guys

I have called the courts today and they have informed me that the claims been discontinued by the claimants! I didnt even have chance to send the ws to them either! Thank you very much for all your help guys!

STATEMENT OF I Mr will say as follows: INTRODUCTION 1: I am the defendant and state that the facts contained in this statement are true to the best of my knowledge. 2: There are several documents attached with this statement. (paginated) 3: It is my understanding that the claimant is an Assignee, a buyer of defunct, disputed or bad debts, which are bought on mass portfolios at a much reduced cost to the amount claimed ...10p to 15p in the £1 and which the original creditors have already wrote off as a capital loss and claimed against taxable income. The claimant then issues on mass claims to circumvent and claim the full amount of debt to maximise profit. 4: As an assignee or creditor as defined in section 189 of the CCA this applies to this new requirement on assignment of rights. This means that when an assignee purchases debts (or otherwise acquires rights under a credit agreement) it also acquires certain obligations to the borrower including the duty to comply with CCA requirements (such as the rules on statements and notices and other post-contractual information). The assignee becomes the creditor under the agreement. This ensures that essential consumer protections under the CCA cannot be circumvented by assigning the debt to a third party. BACKGROUND 5: The Claim relates to an Alleged Credit card agreement between the defendant and Vanquis bank. 6: Whilst it is accepted that the defendant has in the past had contractual dealings with Vanquis, the defendant is unware of what alleged debt the claimant refers, and the defendant has not entered into any contract with the Claimant. The claimant claims a notice of assignment was served on the 18/10/2017, this is denied. 7: The defendant requested a copy of the CCA on the 18/10/2019 along with the standard fee of £1.00 postal order to which the defendant received a reply dated 30/10/2019 with no CCA attached other than the documents the claimants have already provided in their witness statement dated 27th august 2019. 11: The defendant stated in his defence that no evidence of the CCA has been provided. DEFENCE: 12: The claimant has not provided a true copy of the CCA despite an request being made but instead received a reponse dated 30/10/2019 stating `please find enclosed a copy of the agreement` 13: There is no valid copy of an executed consumer credit agreement that complies with the CCA1974 14: The `so called ` copy of agreement stated in claimants letter dated 30/10/2019 is in fact stated as an online application and is no more than a log from either the OC`s operating system or one that has been constructed since with details from the account to look like an application. 15: The information provided on letter dated 27/06/2019 from vanquis has been sought without the defendant’s approval and as the defendant did not contact vanquis to request application information and as such any information dated 27/06/2019 provided by vanquis should not be used as evidence. IN CONCLUSION: 16: Without a valid true copy of the executed Credit agreement that complies with the CCA1974 the claimant has no grounds on which to enforce this alleged debt and has in fact attempted to mislead the courts in to believing that they have the necessary paperwork 17: It is therefore requested that the Claimants Claim is struck out pursuant to the above. Signed Dated this day……. i would appreciate some input please, this is just a draft. going to add exhibits in ect..i will donate .. thanks

Im defo not going to. Quick question. The letter from vanquis addressed to me, in how they cant provide me a "hard" copy of the agreement, llowell keep saying this is the agreement, surely this wont stand up in court ! And i have never contacted vanquis so i think this letter is fake what llowel have provided.

I have today received a letter today from Lowell about the CCA request. " we write in reponse to your letter dated 18th October 2019. As you have requested we have enclosed a copy of credit agreement, default notice and the statement. Please can you respond to us within seven days upon receipt of this letter to complexteam@lowellsolicitors.co.uk. The thing is, all they have sent me is the exact same documents i have already uploaded.??

Hi all, lowell have paid the hearing fee of £80.00. No reponse to the CCA request yet. I have asked the court to send me a copy of the claim form so i can upload the particulars of claim for you all.

i wish i read on this forum before i submitted the above to the court. But yeah thats all i said.. i feel the court is giving me a chance at least . Im not sure on how to go on this tbh, am i wasting every ones time, because tbh i have no idea what im doing. Cheers.

good afternoon, thanks for your reply's. and the defence is below Defence I cant even remember taking this debt out,and i never received Any Documents showing me the alleged balance Llowel are claiming for or my agreement. thank you i will do this now Andy

Afternoon, please see attached, thanks I haven't. Would it be too late to ask for this now? And would this be sent to llowel and vanquis? Thanks Claimants Reply To Defence.pdf

here N157.pdf

Name of the Claimant ? Lowell claim was issued against you on 14/05/2019 Your acknowledgment of service was submitted on 17/05/2019 at 09:59:18 Your acknowledgment of service was received on 17/05/2019 at 12:05:34 Your defence was submitted on 18/05/2019 at 17:21:19 Your defence was received on 20/05/2019 at 01:07:14 DQ sent to you on 23/06/2019 DQ filed by claimant on 23/06/2019 You filed a DQ on 19/07/2019 Your claim was transferred to @@ on 19/07/2019 Particulars of Claim What is the claim for – 1) the defendant entered into a consumer credit act 1974 regulated agreement with vanquis under account reference ************ ('the agreement'). 2) the defendant failed to maintain the required payments and arrears began to accrue. 3) the agreement was later assigned to the claimant on 29/09/2017 and notice given to the defendant. 4) despite repeated requests for payment, the sum of £688.28 remains due and outstanding. and the claimant claims a) the said sum of £688.28 b) interest pursuant to s69 county courts act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, accruing at a daily rate of £0.151, but limited to one year, being £55.06 c) costs Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? i did yes Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? no Did you inform the claimant of your change of address? no Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? vanquis When did you enter into the original agreement before or after April 2007 ? after Do you recall how you entered into the agreement...On line /In branch/By post ? online Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? yes but showing as llowell only 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. been issued by llowel Were you aware the account had been assigned – did you receive a Notice of Assignment? i cant remember Did you receive a Default Notice from the original creditor? i cant remember 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? i have some financial problems What was the date of your last payment? don't know Was there a dispute with the original creditor that remains unresolved? no Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? i did stupidly, because i believed them over the phone ill upload the documents tomorrow, i ticked no to mediation ( didn't see the point) , the court hearing is on the 25th November.

Hello all, Im currently at the stage where i need to submit my defence in court with Lowell and need some help if possible. they say i owe them £873.34 for an old vanquis credit card back 2016, i defended this when the county court documents came as i really couldn't recall the debt and the balance was quite high, Said i was never served with any default notice or a copy of the agreement. Llowell have provided their reply to defence which i can upload, and it does show a copy of the default notice but no agreement. there is a hearing in November, which Lowell need to pay £80.00 for, today i received a Tomlin order from Lowell offering me to pay them monthly which will cost me £100.00 I need to draft a defence back to the county court, but unsure what to say, kind regards

just an update, kane at the car people theres nothing they can do i should have got an extended warranty. the car auto electrician said " the cars doing what it wants its a cpu problem" just paid him £80.00 for his time and the other guy for the £30.00 towing fee. total cost so far £305.00. currently in the process of sending a complaint to the ombudsman. the car came with 22,970 miles , so far its showing 32,874 miles.

Just got off the phone to the car people.. im getting a call tommorow from kade or kane the servicing manager. See what he says.

hi all i got it from the car people, the company that did the finance is money barn. the car people do not want to know all they have said its not our problem as the 3 month warrenty is now up.. moneybarn after a lengthy conversation have marked it down as a complaint which can take up to 28 days but because its after the 6 month period there's very little that they can do ( their words) . im waiting to hear back from the auto electrician tomorrow see what he says. i can ask him for the fault codes, diagnostic report ect dont think that will be a problem. friends suggest i go to the car people and request to speak to a manager and make a complaint to the fca if its regulated by them? its on a 5 year agreement started june 2017, the car is mine at the end of paying for it once the 5 years are up.

hi all hope you are well, i got a ford fiesta zetec 13 plate on finance from the car people back in June 2017, all running good untill around week and half ago. it wouldn't start at all, not even ticking over, to cut a long story short: Had RAC out to have a look, no joy ( said possibly starter motor) had it towed to local mechanic my dads mate who lives locally , had starter motor reconditioned to find it didn't make any difference... again wont start. had it towed by a local towing company to town to a electric auto technician, said was showing 15 fault codes, wiped it but the errors come back on. auto electrician going to get another auto electrician to have a look, so again needs towing to other part of town where he is. cars currently there now, had a call to say its going to be a "big" job looks like either a faulty wire or ECU. said im looking at £1000+ plus and its got to go to ford. hes going to have a look over the next few days and give me an update. the car only came with 3 month warranty, and the car people dont want to know to be honest, the car finance company cant promise anything has its past the 6 month period, but said she will raise a complaint which can take up-to 28 days. £200.00 down, no car to get to work, later!. looks like i haven't got a leg to stand on to be honest, i haven't got a spare £1000++ they can have the car back but no way i can afford the balance remaining 7000+++. welcome any advice cheers lee.