Name of the Claimant ? Lowell Date of issue – 24th April What is the claim for – The claimants claim is for the sum of £400. 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 ref XXXXXXX And assigned to the claimant mid 2013 Notice of which has been given to the defendant. The defendant failed to maintain contractual repayment under the terms of the agreement and a default notice has been served which has not been complied with Claim under consumer credit act Assigned Failed to maintain repayment (original creditor not DCA) Default notice What is the value of the claim? £500 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 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. DP Were you aware the account had been assigned – did you receive a Notice of Assignment? Did you receive a Default Notice from the original creditor? Don't know Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Don't know Why did you cease payments? Financial difficulty What was the date of your last payment? 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

Im stuck in a terrible dilemma. One that you think that would be made easier by the fact that I think the request is simple. Back last year my Vanquis went over its limit by accident. I left it for about a week as I was working and wasn't a priority. I rang them up and promised a repayment plan for payment to be made within 10 days, they accepted. During that time, I received no less than 18 calls in a week pestering me. They sent me SMS Confirmation of this plan and had the INCORRECT Payment date (It was out by 2 days, so naturally it made me worry) Naturally being me, I was furious and asked for the CORRECT Date of the 28th. I was told not to worry as it had been intentionally done like that. I said I want a text with the correct date as should anything go wrong, I kinda have proof. Eventually the gave in and sent it to me, payment was made etc. From that point i decided to put my foot in it and tell them they couldn't have my mobile telephone number or any number for that matter. I complained and complained and finally got the numbers removed but informed them nicely that they could contact me via email and letter. But now every time i ring up I am interrogated by their staff as to why I wont give them my contact numbers. I have even asked Vanquis CR to add a note saying not to ask or confirm numbers with me, but they have refused. Im tired of this and I sent them a counter letter stating that they could have my number on a few conditions; a) No more collection calls, If it goes over again, I will be aware and I will contact them if I need their help b) Only use the number to inform me of important changes etc or something that may affect me etc. c) no Marketing at all about services or their Option Repayment Plan BS. d) Correct information is given every time. They have refused this and they have said Quote Then today when I rang up to query the letter I had received I was told (And this is purely spiteful IMO) when I said that I was going to leave as it is. I consider that unreasonable. I want to quote the Collection Guidelines set out by the OFT and also make a mention of the FCA CONC Rules. I enjoy my peace and not having unsolicited calls. Are they allowed to tell me that and force me to give them my Mobile number.

Hi, My partner went onto the Vanquis website to pay her payment (using their debit card payment page) and even though she only pressed 'Send' once, the payment was taken twice. A few phone calls and a few days later, one of the repayments was returned to her MINUS £5 'administration' Now, I'm no lawyer, but surely this is unjust? Is there a way to encourage them to refund that fee too? Thanks, Phill

A quick question as I might need to act fast. My wife has just had a Scottish small claims summons delivered to her previous address, though Nolans know her current address. I think that this is statute barred as I believe it to be over five years from her last payment. Is it safe to phone Cabot to ask when the last payment was made? Or should this be asked in writing and the court asked formally for an extension of time for their reply? I will try and post more detail tomorrow. The promised further detail. The Form 1a was sent by Walker Love, on the behalf of Nolans Solicitors, in the normal post to an address that we vacated over 18 months ago. I am aware of other communications directly from Nolans to this address, though I have no idea what debts they relate to. We also had one from Nolans is to our current address, followed by at least one more to the old address. Nolans say that they are now dealing with this matter on their clients behalf and that all future communications should be with them and not to their clients. Should I send an SAR or CCA Request to Nolans? The details of the claim are: 1. A paragraph to show that the defendant lives within the jurisdiction of the court, even though she doesn't live there any more. However, we have not moved far enough for this to matter. 2. [Verbatim] On 24/04/09 the defender entered an agreement with VANQUIS under which the defender borrowed from them a sum of money repayable on demand. The said agreement was an agreement regulated under the Consumer Credit Act 1974. The defender failed to pay as agreed on demand and is in breach of contract with the said Vanquis. The said supplier assigned all rights to the said debt to Cabot Financial UK Ltd on 26/08/2011 and the pursuers have advised the defender of same. The said sum of £1103 is the sum sued for. The pursuers have made frequent requests to the defender to make a payment of the said sum but the defender has refused or delayed to do so. I think that this was for a credit card which was used for a short period time and I believe that no payments have been made since at least the summer of 2009 if not before. My thinking is that our best defence is that the debt is too old and hence statute barred. However we have no records to confirm when the last payment was made therefore I think that we need to contact either Vanquis, Cabot or Nolans to ask them. Should this be done by phone, an SAR and/or CCA Request, or a specific letter? Who should we ask–all three? Do they need payments included? I think it would worth asking for the Credit Agreement and all other data as well, as we may have other grounds of defence too. And the amount may not correct. I intend to respond to the court that we will defend the claim before the return date. However, I expect that we will need to ask for a sist–delay to get the information we need back. No account numbers except for Nolans reference.

At the time these cards seemed a good idea however myself and my husband have got in a pickle with them, we pay the minimum every month (around £125 per card) and the balance hardly moves, we're stuck between a rock and a hard place, our scores are improving but not fast enough to get any sort of loan to pay off yet this vanquis situation is leaving such a dark cloud over our heads and with two children £250 per month could be spent elsewhere, has anyone any thoughts on what we can do? I've googled but noone seems to have anything good to say about them just that they hound and harrass and continue adding interest at a stupid rate. Thanks in advance.

Hello all, me again Vanquis passed my account over to lowells some time ago and as is the norm received shedloads of phonecalls etc from them over the last few months. I sent lowells a cca request I think it was the 23 July. I received a letter from lowells saying dated the 13 August 2012 saying they have asked the original lender for a copy of the cca and they will do their best to send the info within 12 working days. I recieved another letter from lowells on the 28th August 2012 saying they have still not received the cca from vanquis and that they are still trying to retrieve it from their archives. I checked the post date on the envelope on the second letter and there isnt one. The cca request i sent them is on my work pc so cant be accurate with my "sent date" My question is how long do I give them before I send them a this account is in dispute letter please? Many thanks Pete

I have had a thread on the Financial Legal Issues forum regarding a debt owed by my boyfriend to Vanquis which was bought by Lowell in 2010. Link below, http://www.consumeractiongroup.co.uk/forum/showthread.php?416410-Lowell-BW-Court-Claim-old-vanqius-card-debt-Help-Please I have had some great help from members of CAG. Someone has suggested that we claim the PPI and Charges back from Vanquis at the Compound Interest Rate which is 24.9% instead of just claiming statutory interest of 8%. I have no idea on how to go about this and would like some help in reclaiming this money as it will wipe out the debt to Lowell and they will end up owing my boyfriend money!!

Hi, Currently I have three credit building cards Vanquis - £250, Aqua - £100 and Capital One - £200. I applied for these to rebuild my credit. Can anybody advise me should I pay the three off now and close them which I can afford?keep one and pay in full every month?keep three and pay in full every month?I will keep the three if it promotes my credit better than paying off one in full every month. Any advice would be appreciated please. Do these cards repair a poor credit history which I have at the moment? Thank you

Hi All I really can't believe this crook of a company. In the past I have tried a balance transfer from another card to pay off my debt that I owe to vanquis and it was rejected as vanquis do not accept balance transfers. Yesterday I made a payment with my partner's card to basically pay off majority of the debt, as the interest rate as we all know is incredibly high. After a few days the payment was authorised from my partners bank and is now showing on the statement, however Vanquis has blocked my card and the account online. I rang vanquis and they said I need to send a photocopy of the front and the back of the card, which my partner does not want to do, end of the day his bank have not had a problem, so does not really see why vanquis should. Furthermore it's his card and has nothing to do with vanquis. I have informed vanquis that I am will not be sending the photocopy and they can leave the account blocked. Vanquis advised that I will not be able to make debit card payments anymore, so I will need to pay by bank transfer, which is fine, but just a pain as I am not able to view my statements online as everything is paperless. I have never come across a bank like this, it's like they want to keep you tied to a debt to generate the huge interest every month. Has anyone come across this or can share any experience? I also want to close the account after the debt is paid off as I am quite fed up of them, will I be able to do this if the account is blocked? Thanks

Got a court letter from them for Northampton. Name of the Claimant Cabot Date of issue –17th April 2015 What is the claim for – Credit Card POC By agreement vaquis bank THE DEFENDANT ON OR AROUND 17/12/2008 vanquis agreed to issue a credit card upon the t&cs In breach defendant failed to make minimum payments and agreement was terminated. The agreement was assigned to the claimant.. The claimant therefore claims 382.32 My card was for about £200 maybe £250 at most.. The rest of the claim is court fee 35, Costs 50 Total claim 467.32. What is the value of the claim 467.32 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account, Credit Card Vanquis When did you enter into the original agreement before or after 2007 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. Debt Purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? No. I have received no paperwork until claim forms Did you receive a Default Notice from the original creditor? No. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments. Couldn't afford at the time with my grandmother becoming ill. What was the date of your last payment. No idea. I don't recall ever paying it. Was there a dispute with the original creditor that remains unresolved? Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? No I had a Vanquis card many years ago. Never paid it after about the first payment. Moved house 4 years ago never heard a thing from them until this arrived last week how they suddenly chose i am here i have no idea.. Glad i am or i wouldn't even know about it. I went online acknowledged and ticked the i will defend. Thanks in advance.

Hi All, I have just received a Claim form from Lowell Portfolio I Ltd. via Northampton CC, it was issued on 01 Aug 14 but I only received it at the end of last week. After having a discussion with a friend who is quite clued up on these things he mentioned requesting the Deed of Assignment as apparently the debt is not allowed to be sold without me being informed and if they don't have this information then nothing can be done regarding the debt, he also went into explaining about the OPPT and it being dissolved therefore we are all debt free anyway!! What I am enquiring about on here is the best way to word the deed of assignment information request on the Court website when I dispute it?? Any help would be greatly appreciated. Lisa x

Hi Guys Over the weekend I received a letter from Marlin which I have attached to this post, as Cabot are the current Creditor will I send the SB letter to Cabot or Marlin? I have made absolutely no contact with Vanquis, Cabot or Marlin in the 5 years, the account went SB on the 31.07.2009 Marlin are very intimidating by their wording!

Could someone please explain how I can I claim PPI from vanquis. My payments don't seem to be budging the balance. Payment protection insurance is on there too which I don't think I agreed to

Hi All I had a Vanquis Credit Card and every month statements came in with different amounts each month for Repayment Option Plan. i had queried this with them and they say i agreed to it when i recieved their welcome to Vanquis phone call. after disputes and excess charges etc being applied t the account, i asked for the credit agreement and they sent the newer Ts & Cs but not the agreement, later i sent a SAR and received pretty much all the info apart from the call recordings, i pushed for these and only got 2 no other calls and more importantly the welcome phone call was not there. anyway the debt is now with Cabot, but i am looking to claim all charges and the ROP back as well. 1) is this possible 2) how is the best way to do it. many thanks in advance

Vanquis sold my credit card debt to Cabot. I've been looking through the contract and it does not say it will be sold to a debt collector. It only says we may instruct a debt collection agency to assist us. There is no mention of selling the debt?

Hello, I opened an account with Vanquis in 2009 after two years I was unable to make payments, moved around for a bit and completely forgot about the debt. For the last 3 years I have started to receive letter from Cabot saying that Vanquis passed my account to them. I checked my credit score today and it says that I have a default account with Cabot that Opened in 2011. Is it possible to claim PPI from this account, even if I don't have any documents of the credit card? Thank you in advance

Hi, I am new to posting but not new to the site. I cam on really for a little bit of advice. I am trying to improve my credit rating. A few years ago it was terrible so I've been paying things off and not applied for anything other than this card. I was declined....however, I then received a form through the post to fill in, one of their "invitations" so I filled it in and a week later I got a call asking for my bank details as part of verification. I then got another call saying that they have trouble verifying people who use my bank and so asked for my driving licence number. I gave this and was then asked to set up a direct debit. After setting that up, I was told I was approved and offered £100 cash advance. I said yes ok I will have that and it was due to go into my account by tomorrow. However, I got a text today saying the £100 has been cancelled and to call them! I called and the lady said they need to see proof of my bank details and that nothing will be sent out to me until they can verify these. They need to see my name, address, account number and sort code. So I have just got the front page of my bank statement showing all of this information and put it into an envelope to send off. Is this usual practice as it seems very strange to me? Will this one piece of paper be enough? They said they only want to verify the details so that surely is plenty. Or is this just messing me around and then I will get declined? I've not heard anyone else say that this has happened to them before. Please respond if you can thanks.

I have a Vanquis card with a limit of £250 initially taken out with Argos on a buy now pay later thing I missed the first repayment due to errors on their website not allowing card payments to go through they called me, I express on the phone I wished the pay the FULL balance off at the end of the month (November 14) and as a gesture of good will they would cancel the fees to my account, brilliant! I call them to make this payment and but within that time more charges had been added and the original charges were not removed nor had any memo been placed on my account then when I questioned this they hung up I instantly wrote an email of complaint regarding this which was not responded too until about 2 weeks later stating they were investigating the matter but this could take x amount of time during which I must continue to make regular payments and interest will still be added I've recently received a reply from Vanquis saying they've listened to both calls, the second saying their operative was not abrupt and they were unable to tell if the disconnection was caused at my end or not. With regards the first call the operative did state she would waiver the charges if I paid in full but as I didn't make a payment of £61 before my agreed final payment date then this was reversed I was not made aware of any interim payments needing paying before making my final payment and have since refused to make any payments while I'm trying to get to bottom of this as I think I've been unfairly treated My current balance now stands at £371 thats now £121 more than I borrowed. Now I more than happy to pay in full the amount I originally agreed but NO more which they keep refusing saying the account has now defaulted, whatever that means? What can I do next? Do I have any rights regards my original verbal agreement I made on the telephone? Thanks in advance

I have a Vanquis credit card and was paying in past but 1 month I didn't check my bank account to see if the direct debit had been paid as usual and phoned Vanquis and their system told me I had £70 available to withdraw I assumed money from direct debit was paid and cleared onto Vanquis as I had nothing available until monthly bill was paid and withdrew money to spend and a few days later I find out I am in bother with no bill paid 3 seperate charges from Vanquis and now over limit and regular charges added. I had major health illness at time and didn't have strength to fight it and Vanquis on phone had told me charges were in my terms and conditions. End up with about over £300 in interest and charges and Vanquis threatening to close account and start legal action so I started paying a fiver a month but very recently I missed one payment as my debit card was lost and card replaced and Vanquis charge me another £12 for missed payment so I start to complain. Within 3 weeks I am getting 2-8 calls a days sometimes 4 in a row on both landline and mobile at 8.15am and all day on different area codes each times and get 2 mobile voicemails lasting about 60 seconds completely silent throughout and then I am £10 behind and passed to Moorcroft debt collection who keep hassling me but for the entire debt over £770 immediately and I am still in bad health and have started my complaint on charges but never had or know how much total debt is and they can't provide me any account details without charging money to provide info and any debt I had in past I just ignored and no contact or nothing done but these 2 are getting too much for me and my health and wanted to raise inital complaint and dispute over unfair charges and situation and they won't give me the proper time to do what I feel I want to do and it's all gone Pete Tong. Sorry if I sound a bit daft but I never had this sort of pressure and contact and demands a nd potential action threatened before and I just need to know if I can do anything and any advice would be very much appreciated and sorry for long thread and any trouble.

I had a credit card with vanquis which according to noddle was taken out on the 8/8/2007 After a few years of having this card I could no longer afford to pay the high interest and balance. According to noddle I was defaulted on 31/10/2011, noddle also states the defualt amount was £487 but it now states I owe over £2500, could someone explain to me how this is? What would be the best way to deal with this or what are my options? Thanks to anyone who reads or responds.

Like a lot of people I keep getting Vanquis invites. I have been very tempted to apply for one to repair my credit rating and have something in reserve for a rainy day. I last had a credit card over 10 years ago which I always paid on time until my now late husband took seriously ill and I lost my job. I had PPI on it but they refused to honour the PPI so the balance (relatively small) never got paid. On one hand, it would be handy but what worries me is even if I paid off any balance if they still charge fees and interest and on the other I've managed without a CC all these years. Or perhaps someone could suggest a better CC company than Vanquis?

Following reading on here I wrote to Vanquis requesting under S77-79 of the CCA "... a true copy of the executed credit agreement relating to this account, together with any other documentation the Act requires you to provide ..." and a £1.00 fee was paid. I have recently received in response correspondence which appears identical that posted by other people on here, namely: 1. A 2 page cover letter stating they have provided what I've asked for, specifically " ... This information is provided in accordance with the Terms and Conditions of your account and according to the information which is practicable for Vanquis Bank to refer." 2. A 2 page Excel style compiled spreadsheet/report headed Digital Signature Application Details. 3. A 10 page document that appears to be the terms and conditions for a credit agreement, however, there are no headings, dates or references that would suggest to what or to whom it relates. Notable by their absence is anything resembling a signature, or dates attached to the terms or the report. Apologies for the lack of attachments but I don't have access to a scanner at the moment, however, I can confirm that the correspondence appears identical to what I've seen on here in previous posts. From what I understand, whatever they might believe, my request under S77-79 hasn't been complied with and as such they *shouldn't* progress matters until they can rectify this and provide my valid request. I appreciate that this doesn't stop them thinking they can continue to contact/chase over this matter, but the lack of documentation *should* put a stop to that. I'll have a read up on other people's posts later, but could someone give me a quick reply as to whether I'm seeing things correctly.

Hi guys I've received a court claim form from Lowell that says its for an old vanquis credit car debt and i don't know what to do about it as i had a similar problem about 3 years ago that i had help from you guys with but now the thread says “** Discontinued **” So I'm guessing the information is out of date. I did have a credit card with vanquis a long time ago but then i got sick and couldn't afford the the bills, when i contacted vanqis at the time they said not to worry because i had some protection on my account for that (not that i asked for it), then i moved and now have received this county court claim pack that i need to reply to in the next couple of days. It says that the date of this debt is from 16/07/2012 but i had signed up for and defaulted this card a good few years before this date. I don't know how much has changed in the last 3 or so years (is DonkeyB still around) so can someone please let me know what i need to do. Should i put in a defence (any new templates)? Thanks guys

Hi all, not sure if anyone's seen this before but this 145 page document appears to be a Provident Investor Day document. I discovered this whilst googling for some information about our favourite money lender. It's dated 2011 but the information is still relevant as it relates to their procedures Of note is how they define you, ie the Vanquis customer. Also p78 onwards details their debt collection timescale/procedure. It sets out what they do & when and when they escalate impaired debts. Makes interesting reading.

Hi, I've been reading the very informative posts on Vanquis and wondered if someone can clarify something for me (I'll carry on reading after post this so I might discover the answer myself). I've seen reference that people, after SARing and requesting proof of the debt, have been able to have penalty charges (and interest?) removed, leaving the then reduced balance to be cleared. For what reasons was this possible? I ask because I too have a Vanquis card, and an Aqua one, which due to present circumstances are now unaffordable. Actually they were probably unaffordable from the outset and as I see it they will soon be going the way of a default. As background, I've been self-employed for 3 yrs, having been on Income Support for the previous 7 & my health is such that I receive a disability element uplift to my Working Tax Credit. Both credit limits started low but as a good customer who paid on time they've both now increased into the £xk's level. At present neither are 'technically' in default (ie no default letter issued) but I've missed the last Vanquis payment & whilst the Aqua one is not yet due, I can't see the situation improving anytime soon & frankly, I realise now that I've been deluding myself to even consider I'll clear the balances in my lifetime. I'm preparing for the tel. call onslaught and wanted to understand what I need to do to challenge any penalty fees or interest that has been added to my purchase balances to reduce the amount owed. From what I can see it's plausible for me to levy interest on their charges at a rate equal to what they levy on my credit card. FYI the Vanquis account was opened in July 2010, Aqua in Apr 2013, both apps were made via the internet & AFAIK no paper contracts. Also, on my Vanquis statement they have 2 lines each month named "Billed Deferred Finance Charges", usually pennies and "Purchase Interest", always pounds. Is the BDFC actually PPI under a different name and is it something I should dispute if/when these accounts default? Any comments or pointers to relevant posts gratefully accepted. Thanks UpOverTheEyeballs2