I've had my vanquis credit card for around 7 months now and up until now have made my payments on time each month and have kept within my credit imit. Here is my problem. In January, I was asked by the dwp to switch over benefit from dla to pip. I was receiving middle rate care and high rate mobility indefinitely. When I had my pip assessment on the 14th March, the assessor lied on her report, failed to report things correctly and failed to tick the correct boxes, therefore I lost the daily care component costing me £53 per week. I am having to put in a mandatory recon, which I understand will take anything up to 8 or 9 weeks. I have written to vanquis explaining what has happened, and I have offered them £1 token payments due to an unforeseen change of circumstances. I also quote various FCA consumer guidelines to help. I am being right to inform them of my circumstances as loosing a part of my benefit is beyond my control!? By the way, I have not signed a credit agreement with vanquis is was all done over the phone. Can anyone advise me what I can do next if vanquis wont accept £1 a month token payment!? I honestly do not know if and when I get my benefit reinstated of which I made vanquis aware in writing.

i have been contacted by these people saying i owe sky 600 for calls and sky for the period nov 2009 to jan 2010 but left my partner in 2012 and in that time before i left no contact or letters and betwwen 2012 and until last week when i had a phone call saying i have to pay can any one help please also i found out last week ex had recived letters but bined them with out telling me what can i do

HI im new, sorry if this has been covered but im having trouble with laptop its not showing me posts ,ive had a letter from vanquis fresh start saying sky have sold them an early termination debt i have with them, ive been told theres been calls to my old phone number (i dont have that phone no more) im sceptical to if they are genuine, i have some current mental health issues and talking on the phone is tough for me ,i dont want to ring them and give my details if they arent genuine thank for any advice

A few months ago I was delving deeply into my finances and noticed that I had ROP added to my Vanquis account. As with other people I didn’t know that I had this on my account, but after speaking to Vanquis over the phone I have done so since June 2012, so nearly 4 years and apparently agreed to this. (must have cost me at least £2000 just in the ROP never mind interest. I sent them a SAR requesting all correspondence and sent my £10 cheque in. They rang me soon after to tell me that I could just have a copy of the recording for free. So I haven't got all paperwork. I have just listened to the recording which is of them ringing me to offer me this garbage. The call is 9 minutes long. I refused the ROP twice during the phone call and after a last ditch attempt the sales person offered it to me for 1p for 3 months and I finally said yes just to get her off the phone. Obviously I forgot to cancel and only just realised I was paying it. I have life cover that would cover me in the event of unemployment, sickness etc, which I did say in the call so I don’t this ROP. Do I have a leg to stand on or do I have to accept being robbed of over £2000 for nothing in return?

Hi folks, I just need a bit of advice as to what to do next regarding my most recent correspondence from Restons. The back ground is that my Husband received a letter from Restons advising that he was being taken to court regarding an old Credit card debt with vanquis to which we responded with this letter..CPR 31.14. They wrote back, I can't quite remember exactly but from what I can remember it said that they didn't have the documents that we'd asked for but they were going to try and get them. We submitted this defence to the court (I will cut and paste it below) and this is all we have heard from them since then apart from a couple of letters saying the documents/agreements still haven't been found. 1: I received the claim XXX from the County Court Business Centre, Northampton on 10th September 2014. 2: This claim is for a credit card agreement regulated under the Consumer Credit Act 1974. 3: It is admitted that the Defendant has previously entered into an agreement with Vanquis for provision of credit. 4: However, the Claimants statement of case fails to give adequate information to enable me to properly assess my position with regards the claim. 5. The Claimants Particulars of Claim states that the account was assigned from Vanquis to Cabot Financial Limited on 23rd February 2011. The Defendant does not recall receiving notice of this assignment. 6. It is denied that Vanquis served any Default notice on the Defendant pursuant to S87 Consumer Credit Act 1974. The Claimant is required to prove that a compliant Default Notice was served upon the Defendant. 7. On the 15th September 2014, I sent a request for inspection of documents pertaining to the claimants Particular of Claim under Civil Procedure Rule 31.14 to Restons Solicitors. I requested the Claimant provide copies of the Agreement/contract, Default Notice, assignment and formal demand. 8. Restons Solicitors have not sent any of these documents to me. 9. On the 15th September 2014 I sent a formal request for a copy of the original agreement to Cabot Financial pursuant to section [77 or 78] of the Consumer Credit Act 1974 along with the statutory £1 fee. 10. The Claimant has failed to comply with [s 77 (1) / S 78 (1)] Consumer Credit Act 1974 and by virtue of [s 77 (4) / S 78 (6)] Consumer Credit Act 1974 cannot enforce the agreement. 11: I have asked the Claimant if we may agree to extend the time period allowed for filing of my defence pending receipt of documents (as allowed under CPR 15.5), but they have declined. 12. Under Civil Procedure Rule 16.5 (4) where the claim includes a money claim, a defendant shall be taken to require that any allegation relating to the amount of money claimed, be proved unless he expressly admits the allegation. Therefore it is expected that the Claimant be required to prove the allegation that the money is owed as claimed. 14. At this stage without documentation I am unable to plead fully to the claim. I request the court orders the Claimants to provide the necessary documentation in order for me to fully plead my case else the Claim should stand struck out. 15. In the event that the relevant documents are received from the Claimants I will then be in a position to amend my defence, and would ask that the Claimants bear the costs of the amendment. The letter we received today from Restons has attached a copy of the "digital signature application details" and a Statement of account. The last payment on the statement was a ROP Payment?! I have no idea what that means, there are quite a few 'ROP payments' in the statements and the last payment date was the 05/03/2010. Finally, the letter says they are still awaiting a copy of the notice of Assignment and 'endeavour to provide is to us in due course' Could anyone advise as to what our next course of action should be?

Hello, I wondered if I can get your thoughts on this situation. I have had a vanquis credit card for four years. I raised a complaint to them to try and recover some £12 fees. I have received their final written response, as I expected a decline, and I am going to try my luck with the ombudsman service. In their letter it stated: "In addition our default fees have also been assessed by the Financial Ombudsman Service who have confirmed that our £12 default fees are justified." Is this true and am I wasting my time or is that to try and put me off from escalating this further?

Hi All, I was just mulling over my "nearly clean" credit profile and it appears to be marred by the mess that Vanquis left me in. Between 2011 and 2012, they bombarded me with monthly charges that outweighed any payments I could make.. So at the time I just gave up even paying.. I've left it for a few years and they've appeared to have stopped adding amounts to the balance. Anyway, the card limit was £250 and now the balance is £661 (including about £100 of payments which I'v made). This is how their charges went: 06/2011: 248.00 (last balance before charges started) 07/2011: 288.00 08/2011: 323.00 09/2011: 360.00 10/2011: 311.00 11/2011: 334.00 12/2011: 371.00 01/2012: 409.00 02/2012: 417.00 03/2012: 437.00 04/2012: 457.00 05/2012: 498.00 06/2012: 541.00 07/2012: 584.00 08/2012: 619.00 09/2012: 661.00 I haven't listed any of the payments here... And that's where the balance stayed.. If I remember right, looking at their statements back then, because the FCA said that the maximum a charge could be was £13 (or 12?), instead of adding one large charge, they added multiple charges each month of under £13 (in total adding up to larger amounts). Because of this, I'm not quite sure how to approach it... Ideally I'd like these unfair charges cleared and my account back to the £250 minus the mount I've paid etc... but how would this be possible given at how they've broken the charges up? Also, because of the way they've done things, I've left my credit report in an absolute mess. Every other account is squeaky clean, except for theirs... Could I also get (force?) them to remove their markers? Any help would be appreciated! Cheers, Ade

Hi, Need some advice. I sent Vanquis a DSAR request over 4 months ago. I enclosed a £10 cheque which was duly cashed however they failed to provide me with any of the reqested documents (CCA, Terms & Conditions, Default Notices, Deed of assignment etc) I received a 3 page letter consisting of a demand for a further £1 for CCA and a 2 page document consisting of an abreviated table of transactions (I believe this is supposed to constitute a statement) Can someone confirm to me whether the £10 paid for the sar superceeds the requirement for an additional £1 for the cca. My understanding was the £10 sar fee covers ALL docs & data. Thanks

Hi, Has anyone ever reclaimed this con that Vanquis Bank call ROP. I have been paying it unknowing for years. I know i would not have signed up for it and should not have been given it. I was on a fixed term appointment within the civil service (HMRC), I never claimed or used it when the contract ended. Because I was on fixed term contract surely that means I should not have been offered it. I have been in touch with couple of companies that said they have been successful, but they lied! Once I had given them all the info, they said they could not pursue claims against Vanquis. Has anyone ever actually claimed it back successfully? If so, please can you advise me how. I have been paying for over 4 years and its only recently I discovered what i was i was paying. i thought it was some monthly charge. thanks in advance

Hi Ive had an Vanquis card that i fell behind with after arranging reduced payments for 4 months but after 3 months vanquis rang and said id had the reduced amount and now needed to make the full payments.. Mackenzie hall have since contacted me with a reduced settlement offer of half the debt, looking for an amicable settlement prior to court proceedings, Which i worked out was the correct amount owed less there charges applied which doubled the amount, so i wrote back agreeing to the half debt amount and sent a letter agreeing to the true figure that was owed less the unlawful and extortionate charges and offered payments of 10.00 minimum per month due to my financial position. and that the 10.00 was on the understanding that we'd amicably agreed to the lesser figure, i foolishly sent a 10.00 postal order. Ive had a letter back stating that, their client cannot accept the 10.00 minimum payment per month at the reduced figure, but demand that i pay 36.00 pm and unless i pay the 36.00pm the reduced figure will become the full amount.. They have also cashed the 10.00 postal order and taken it of the full figure.. Ive had a few dealings with cabot in the past and won but need some advise asap as they have given me 30 days and im half way through that already, feel foolish for sending the 10.00 postal order now but that was clearly indicated as the first months minimum payment.. Also SAR'd Vanquis and thats been 14 days sent... Hadituptohere

CAG, along with many others have been steering people away from Pay Day Loans. Now there is a new tactic from one particular bank. I have personally condemned Vanquis for their high interest rates and being no better than a revolving Pay Day Loan. CAG has seen many cases of how easy it is to get into serious debt with this particular type of credit card. Now Money Mail are on the case....

Hi My father received a claim form dated 7th Dec 2015 a couple of days ago I would appreciate any help or advice on how best to deal with this. My father has mental health issues so needs my assistance to respond to the claim form. I wrote to Lowell a couple of weeks ago (in my father's name) in response to a letter from them asking what the debt relates to etc but have not received a reply. The details of the claim form are - Name of the Claimant ? Lowell Portfolio 1 Ltd Date of issue – 7 Dec 2015 Date submit defence ) - by 4pm 8th jan What is the claim for – the reason they have issued the claim? 1.The claim is for the sum of £1330 due by the Defendant under an agreement regulated by the consumer credit Act 1974 for a Vanquis account with a reference of xxxxxxxxxxxxxx The defendant failed to maintain contractual payments required by the agreement and a Default notice was served under s.87(1) of the Consumer Credit Act 1974 which has not been complied with. 2.The debt was legally assigned to the claimant on , notice of which has been given to the defendant. (NOTE: No date was entered here) 3.The claim includes statutory interest under S.69 of the County Courts Act 1984 at a rate of 8% per anum from the date of assignment to the date of issue of these proceedings in the sum of £106 The Claimant claims the sum of £1436 What is the value of the claim? £1586 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Credit Card When did you enter into the original agreement before or after 2007? Not sure but would think after 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. Assigned to Lowell Were you aware the account had been assigned – did you receive a Notice of Assignment? Not sure - my father has no paperwork but may have ignored/been confused by/binned. Did you receive a Default Notice from the original creditor? Not known Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Not known Why did you cease payments? If he did stop payments then probably because he got ill and lost his job What was the date of your last payment? Not known, but nothing in last 3 years 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 managementicon plan? No Any advice greatly appreciated, thanks

Hi - I have an account with Vanquis that went into arrears. Organised a payment plan with them but had to stop as hubby was made redundant and could not afford it. Heard nothing from Vanquis but got letter from Moorcroft saying they were handling debt. Then a couple of months ago started getting statements from Vanquis with a note on the statement that debt had been passed to Moorcroft. PRA have now been phoning and writing (since about 2 weeks ago) saying they are now responsible for the debt!!! My query is this - if I am still receiving statements does this mean my account is in default? If it says on the Vanquis statement that Moorcroft are responsible can PRA still contact me as have been getting at least 4 calls a day on my mobile which I have not been answering. Should I carry on paying Vanquis even though they have not acknowledged my reduced payment plan now that they are sending me statements? The debt is for £1516. Any advice. Shay

Hi all, I have recently been receiving a few texts from Vanquis with the following text body:- Unsurprisingly I have no idea how my number was obtained by this company or whoever sends texts on their behalf. My problem with this is that I was charged by the 60070 number for opting out of these annoying and unwanted texts. There was no prior indication that I would be charged and I think that is pretty misleading and outrageous - I was given a generic system warning by my android phone and that's it. I'm not exactly sure how I would like to proceed with following up why I was charged but I think I should - Where do I 'stand' with this situation? Thank you in advance.

Hey there, I have been an avid reader of these forums for some time but never had anything of relevance to contribute until now. I have received a CC from the Northampton CCBC and below is the current status. Received a claim? Yes Issue Date: 21-5-2015 Amount approx: £528.59 Claimant: Cabot Financial UK Limited Solicitor: Weightmans LLP Original Credit: Vanquis Particulars of Claim: 1. The Defendant entered into a credit agreement described bt the original creditor as VANQUIS-CREDIT CARD and having account number XXXXXX ('The Account') 2. The Claimant, a UK limited company with company number 3757424, is the assignee and legal owner of all rights previously enjoyed by the original creditor in respect of the Account. 3. The Defendant is indebted to the Claimant in respect of the account in the sum of £528.59 4. The Claimant claims the said sum of £528.59, plus costs. Stat Barred? No I have done the following and provided a timeline as I know I am time limited by the court procedure. Time line 25/05/2015 - Received CC from Northampton CC Business Centre 25/05/2015 - Logged on to MCOL and acknowledged and disputed the claim 29/05/2015 - Wrote and sent a CCA request to Cabot requesting a copy of the original credit agreement. 01/06/2015 - Wrote and sent a CPR 31.14 request to Weightmans LLP requesting a copy of all documents they have regarding this case. 03/06/2015 - Received letter from Cabot Financial stating that they do not have the documents on file and will take approximately 40 days. 05/06/2015 - Received letter from Weightmans LLP stating they have requested the documents. So in summary; sent: Acknowledged the Claim, Sent a CCA request, Sent a CPR 31.14 request Other info: I don't have any knowledge that I can recall ever taking out a credit card with Vanquis. However I have checked my credit file. According to the records, it was started on 08/05/2007 and they are on there as a default since 31/03/2010I have attached all copies of documents I currently have. Any advice, hints tips etc... would be very much appreciated. [ATTACH=CONFIG]57941[/ATTACH][ATTACH=CONFIG]57940[/ATTACH]

First thing i have no financial problems with Vanquis. I pay my card off in full each month so pay no APR I understand the Vanquis Credit Card is designed for people with a less than a perfect credit hstory and are a major asset in positive markers with the credit agencies. To Off-Set that risk they charge 59.9% APR for which i have no objection. (Well i do, pay it or no card) When i went to their "Gold Status" for being a good boy they put my credit limit up to £2250 and further to £3000 I was assured the APR will go down to reflect my good relationship with Vanquis. I have just discovered the APR is still set at 59% Jacking up the credit limit and still have a 59.9% APR has to be iresponsible lending practices I have just made an official complaint and as usual can take up to 56 days etc etc for a response Do not get me wrong i have no complaints against Vanquis as i fully understand they offer a service to the sub prime market. My credit rating is now excellent to an extent being accepted for a Barclaycard with an APR of 18.9% All i am asking is that Vanquis match that APR and i will stay with them

Three quick questions. 1. Can I reclaim charges for Repayment Option Plan which Vanquis has been charging me for ? 2. When you apply for a credit card over the telephone, the calls are meant to be recorded. How long are companies supposed to hold copies of this call ? 3. If I ask a credit card company for a copy of the original phone recording, can they refuse my request ? Your help and advice would be much appreciated.

Hello, in the last few days have I discovered that Vanquis Credit Card company are [problem]mers. I already have credit cards with Barclays and Capital One, and manage them perfectly well, am not in debt to them. I apologise, here, for the length of this post. In June this year, I received (junk mail....) an envelope from Vanquis, offering me a credit card with them. Because I was in need of a bit more cash at the time, I stupidly filled in the online application form, and then received a phone-call from them. They approved me for one of their cards. I did NOT then know that this company, Vanquis, are for people with bad or no credit history...to my shame, I simply assumed they were a mainstream, legitimate credit card company. After the card was received by me, a couple of weeks later, I used it to purchase a few items. Taking it up to within £3 of the (£250) credit limit. When I went through the application process over the phone, in June, with one of their staff, I arranged (or THOUGHT I did...see later) a Direct Debit with them, for the minimum payment. I told them that I'm on a (Civil Service) pension, and that it gets paid into my bank account on (the specific date of the month it's paid in). I thus said to them, "The DDebit will, therefore, be taken from my account several days later, right?". (ie, in line with all my other monthly payments). The Vanquis staff member said "Yes, of course All my relevant bank details were given to him, over the phone, in June this year, in order to [or so I thought...] set up the DDebit. Then, to my horror, on 18th July (just 6 days ago), I received a text from Vanquis claiming that my account was £33 overdrawn. Of course I phoned them immediately. I'd ASSUMED that the DDebit which had (ostensibly) been set up in June, had been taken from my account a couple of days earlier. Ie, I assumed my account was okay. (Not then knowing that they are a [problem]ming company - as I do know, now...). Prior to phoning them on 18th July, I went online to look at my account. And found, to my horror, that a couple of days earlier (ie, the date on which the DDebit SHOULD have been paid from my bank account, to Vanquis), Vanquis had slapped onto my account with them a £12 "Late payment charge" (???). A (FAKE charge, by them) charge which tipped my account over the credit limit. And that they therefore then slapped on a £12 "Overlimit charge". When I eventually spoke to Vanquis on 18th July, I said "WHY did you not take the Direct Debit which had been arranged in June?". The staff member said to me "We DID try to take it from your bank, but it was rejected". (NB., this, I learnt, was a deliberate lie on the part of Vanquis...). I told him that I had more than enough money in my ordinary bank account to cover the DDebit - that it should have been taken just a couple of days after my pension had been paid in. The Vanquis chap continued to claim that my bank had rejected the DDebit. I continued to say to him "That is nonsense, I STILL have more than enough in my bank account to cover that DDebit". The chap then had the audacity to say to me "Pay us £31 on your next pension payday and we'll clear the overlimit charges, and start again from scratch...". I checked with my own bank this morning, and not only did they confirm that Vanquis had NOT tried to put through a DDebit to them, but that NO Direct Debit has been registered with my bank, by Vanquis; even though in June I arranged such a DDebit over the phone - even telling them that (of course) they would need to take the DDebit each month on a date a few days AFTER my monthly pension is credited to my account. Having, in the last couple of days, read online re. the horrific [problem] that is being perpetrated by Vanquis - FAKE charges being slapped onto people's accounts (my own example, above, being one such), willy-nilly, and the extortionate interest charged, I'm very panicky indeed about what they might do to me, finance-wise, re. my account with them. I realise it was very careless of me not to have realised that they, Vanquis, are not a mainstream credit card company. It is an immensely stressful time for me, currently, due to other personal matters, so the very LAST thing I needed, right now, was to discover myself in the nightmare situation with Vanquis that I now see I AM in - thus adding to my stressed state. I've been reading some of the many horrific stories of people's experiences with Vanquis, online, and really do not know what I should do, in the first instance, to try to limit their horrific assault on my finances, with the FAKE charges they've slapped on my account with them. And re. the fact they deliberately did not, in actual fact, set up a DDebit for me, even though in June it had, I thought, all been arranged over the phone. Ie, they deliberately did not set up a DDebit with my bank, to them, precisely in order then to PRETEND they'd tried to put through the DDebit just a few days ago, to then PRETEND it had been rejected by my bank, in order to then slap FAKE charges on my account. (I've read, online, that other people have found this - that Vanquis have claimed that their bank had rejected the set-up DDebit, and then the victim discovers (as did I, earlier today) that they'd not set up a DDebit, precisely in order to slap the fake charges on... I would very much appreciate any advice as to what I should do, in this situation. Thanking you in hopeful anticipation.

Hi guys, Been a while. I'm helping a friend with this. He's received a court claim form from Cabot regarding a Vanquis credit card that was defaulted back in 2008. Surely thay cant proceed as its statute barred under the limitations act? How do we go forward? Do we submit a defence on the grounds of it being Statute Barred. Or do we defend by disputing the debt then put in an application to strike it out due to it being Statute Barred? Not sure if this makes any difference... He was a sole trader when he took the card out. He was a sole trader when the default notice was issued. He's not serviced the debt since 2008. He's now formed a LTD company and they have put this on the form along with his Company number. Does that make any difference? In hope. Toxic

Hi I fell behind on vanquis payments due to illness and they are on the case, i offered to pay around £40 a month for some time before carrying on as usual but they sent me a massive form with income/expenditure etc which I don't really want to fill in. What should I do

I have had an account with Vanquis for a few years (opened originally as I had a poor credit rating) and i am looking to close thsi and balance transfer to a 0% account. I never check my statements (bad, i know) as i get a text each month with my balance and the min amount payable. When looking at my statements toady (i can only see back about 6 months) i noticed a Repayment Option Plan payments of about £14 each month. My questions are: I know i did not agree to any sort of protection on my payments, what can i do to claaim this back? Should i do this before balance transferring and closing the account with Vanquis?Thanks

Hi there, Received a claim form from Lowell via Bryan Carter this morning. Going to acknowledge the form and send the CPR 31.14 request but wondered if there was any more I need to do at this stage. Do I also do a CCA request or is that included in the CPR 31.14? thanks in advance Name of the Claimant ? Lowell Portfolio Date of issue – 24 March 2015 What is the claim for – the reason they have issued the claim? The claimants claim is for the sum of £2840.41. Being monies due from the defendant to the claimant under an agreement regulated by the consumer credit act 1974 between the defendant and Vanquis under account reference xxxx and assigned to the claimant on 01/07/2014, notice of which has been given to the defendant. The defendant failed to to maintain contractual repayment under the terms of the agreement and a default notice has been served which has not been complied with. And the claimant claims £2840.41 The claimant also claims satatutory interest pursuant to s.69 of the county act 1984 at a rate of 8% per annum from the date of assignment of the agreement to date but limited to a maximum of one year and a maximum of 1000 amounting to £164.99 What is the value of the claim? £3005.40 court fee £185, sol costs £80 total £3270.40 Is the claim for a current account (overdraft) or credit/loan account or mobile phone account? Credit card When did you enter into the original agreement before or after 2007? 2011 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. assigned to Lowell 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? I can't remember Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? Financial difficulties What was the date of your last payment? Not sure but probably late 2012 early 2013 Was there a dispute with the original creditor that remains unresolved? No dispute but I did do a CCA request which was ignored. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No management plan but I did inform Vanquis of my difficulties

Hello all, I really hope you can help me with how to handle this claim against me. It is regarding a Vanquis agreement from 19 May 2010. To cut a long story short, I was suffering from a gambling addiction and took out lots of payday loans and credit I could not afford. I have paid various debts back but could not afford all. I ended up with 5 defaults against me. With my credit file ruined, I kind of just buried my head in the sand, thinking I would have to wait a good 6 years to get back on track. I have lived in 5 addresses in the past 6 years. Without my knowledge, from nowhere, a County Court Claim form went to my old address (which belongs to my parent's). They do not open my post, and nothing important ever goes there. However, I dropped in last week and a claim had been sent. I could not contest it or even acknowledge it - I had missed the deadline by literally 2 days! When I logged in online, it said a CCJ was issued against me On Friday just gone, a further letter was received at my parents address - a NOTICE OF ISSUE OF WARRANT OF CONTROL It says on this letter that 'Unless you pay the amount due before 25 August 2015 the bailiff will call and may remove goods for sale at public auction' My elderly mother has opened this and is deeply scared. I have tried to do lots of research but do not know what my best option is. They are claiming £970.58 but I simply do not have this money or anyone to borrow that amount from. The original limit was £500 so I do not know why it is so high. I would have liked to have filed a defence, asking for proof of the debt etc as many people are succesful claiming against Cabot with Vanquis debt. I considered asking for it to be set aside, but I fear this will be declined? I did not update creditors with my various addresses. I have moved a number of times since then. If I ask for it to be set aside I fear wasting the £155 which I can ill afford. Or I could file an N245 to ask for a repayment plan? Is this still possible despite the Warrant being issued? I am really in a state of panic - my mum is in tears thinking the bailiffs will visit this week and take MY PARENTS goods to pay this old debt. I really hope someone can help... Thank you so much in advance

Received a claim form this morning from cabot. Last thing we need at the moment as we are struggling as it is. I have put all details below. Can i still go for unfare charges from vanquis as we had never done this? Please any help and some nice easy step by step help as i'm not to good with this sort of thing. Name of the Claimant ? cabot financial Date of issue – . 02-07-2015 What is the claim for – by an agreement between vanquis and the defendant on or around 11/08/2010 vanq agreed to issue the defendant with a credit card. The defendant failed to make the minimum payments due & the agreement was terminated. The agreement was assigned to the claiment, the claiment therefore claims £613 What is the value of the claim? 613+court fee/solicitor's costs £743 total Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? credit card When did you enter into the original agreement before or after 2007? after 2007 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. cabot 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? yes Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? no Why did you cease payments? out of work What was the date of your last payment? unknown 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? no, hid head in sand!!

Good afternoon I have been pointed in the direction of this forum after receiving a claim form for what was originally a vanquis credit card debt, card was taken out in November of 2006 I have been reading some threads with similar circumstances to mine but I would still like some advice please from anyone who would be able to help me. Name of claiant? Cabot Date of issue? 1 April 2015 (rubbish April fools) What is the claim for? The claimant claims the sum of £592.22 being monies due from the defendant the claimant under a regulated agreement between the defendant and vanquis and assigned to the claimant on 9/2/2015, notice of which has been provided to the defendant. 2. The defendant has failed to make payment in accordance with the terms of the agreement and a default notice has been served pursuant to the consumer credit act 1974 3. The claimant claims the sum of £592.22 and costs 4. The claimant has complied as far as necessary with the pre-action conduct direction What is the value of the claim? £722.22 Is the claim for a a current or credit/loan account or mobile phone account? Credit card When did you enter into the agreement? Nov 2006 Has the claim been issued by the original creditor or was the account assigned and is the debt purchaser who has issued the claim? Dca Where you aware the account had been assigned, did you receive a notice of assignment? I received a letter a few weeks back, buried head in sand, didn't read it and binned it. Did you receive a default notice from original creditor? Quite possibly, again I've had finance head in the sand Have you been receiving statutory notices headed notice of default sums at least once a year? Not sure, as above answer sorry. Why did you cease payments? Massive change in family life jobs move of area financially stumped for about 12 months What was the date of your last payment? Early 2010 I think, could be sometime in 2009 Did you communicate any financial problems to the original creditor and make efforts to enter a debt management plan? I did yes, for sometime vanquis set up some thing on the account that reduced payments for a while, unsure as to what this was but it was only for a total of three months, this made litte or no difference to the account. They kept adding on charges that increased my bill mAssively. Pretty sure the original limit on the account was only £200, at most £250 yet now stands at £522 so most of this is charges, infect over half the debt is charges. I need help in order to resolve this. I did have a credit card with them but never for £522. Can they get away with inflating the bill with charges. I have read on here about a cca? Please could someone explain this to me and how to move forward? Thank you in advance