lowells/? Claimform - Vanquis 'debt'

[dx100uk]

red are lowlife same lot

 

dx

[pete_2000_2002]

Hello all,

 

Vanquis still failed to provide a true signed copy of the agreement after all this time and have passed the debt onto Bryan carter solicitors.

 

 

Just recently had a letter of claim from them saying you owe this and court costs and blah blah blah. Theres also a default against my credit rating.

 

Do i need to write to both the solicitors and vanquis if so does anyone have a quick link to the letters please?

 

Many thanks

[dx100uk]

hi pete

 

 

so you've got a claimform from the court - or a carter threat of one?

 

 

dx

[pete_2000_2002]

Hello dx how are things?

 

 

Just a threat letter from Carter - the one that says how much the debt is plus possible court charges etc.

[dx100uk]

if you've sent a CCA request to lowells before

and they still have not complied

then just remember carter/lowells/red are all the same lot

 

 

until they provide an enforceable CCA they are stuff.

 

 

sounds like the usual PC generated threat-o-gram.

 

 

dx

[pete_2000_2002]

Should I send them a "this account is still in dispute" letter? Naming dates I sent the letters - I still have the copies I sent to vanquis.

[dx100uk]

nope pers I wouldn't

 

 

it would invite letter tennis.

 

 

you still at the old coalface?

[pete_2000_2002]

ok so im not going to respond to carter.

 

 

Yes I'm still at the asylum which the lunatics are still running.

[dx100uk]

i'll pm later then

 

 

dx

[pete_2000_2002]

Got home from work to find a claim form from "claimant" lowell portfolio. Will post a scan later.

[dx100uk]

This could be fun

Mar 2007 you say.....

[pete_2000_2002]

Yep just double checked my noddle credit report and the account start date comes under lowells and its the 28 March 2007.

[dx100uk]

well their name would hav ereplaced that of vanquis yes.

 

 

have you done the usual like ack the claim defend all

and get cca/cpr runiing pete

 

 

dx

[pete_2000_2002]

Just got the claim today so will start on the defence over the weekend and post it over the town. Will go through all previous letters as well (time to route around the cupboards). I know i have to cca/cpr lowlife now and do the usual not sign the letters?

 

They dont have a signed cca (vanquis never had one) so lowlifes wont have one either.

[dx100uk]

no need to defend anything yet.

 

and you go up on the mcol website to ack the claim.

 

tell you want.

 

fill this out for us please I forget it.

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-December-2014**

[pete_2000_2002]

Claimant: Lowell Portfolio LTD

Issue Date: 29 APR 2015

Have until 31 May 2015 to submit defence

 

Particulars of claim:

 

claim is for the sum of 1420 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 ***

and assigned to the claimant on 16 July 2012 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 and the claimant claims 1420.

 

The claimant also claims statutory interest pursuant to s.69 of the count 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 100 amounting to 113.

 

Value of claim:

amount claimed 1533

court fee 105

solicitors costs 80

total amount 1718.

Claim is for credit card

entered into agreement 28 March 2007.

Debt purchaser (lowells) has entered the claim

Can not recall a notice of assignment or default notice - will go over my paperwork

 

Do not recall recieving a "notice of default sums" notice.

 

Charges on card kept going up.

 

Will check records for last payment.

 

Yes Vanquis failed to provide a signed true copy of a CCA.

 

Didnt enter into a dm plan.

[dx100uk]

ok go to the MCOL website on the claimform

 

create/register a new user

 

note the long number

 

then log in with your newly created user

 

then using the details from the claimform

 

ACK [AOS] the claim.

 

defend all

 

leave juris unticked

 

exit MCOL

 

then comeback here.

 

dx

[pete_2000_2002]

Just tried to setup my login and it failed after i clicked enrol - will try tomorrow dx have to be up at 5 to drop the mrs off.

[dx100uk]

no bother

 

don't forget you need to create an indivual user first

then login with that

the click AOS

and use the claimform details

 

but MCOL does play up

 

no rush you have days yet

in your own time

 

CCA/CPR are more important

 

dx

[pete_2000_2002]

Still no joy after entering my address on MCOL. i have tried chrome, ie and firefox and all come up with the error. I can log in but it goes straight to the address page. Will keep trying though.

[dx100uk]

you prob have an old username /individual registration from your last case?

 

 

you might need to use that?

 

 

i

[pete_2000_2002]

Sent the CCA and CPR off recorded yesterday.

[dx100uk]

I see from other threads mcol is down at present

so you are not alone

dx

[pete_2000_2002]

Letter received from bcs today.

 

Converted - hope this works

 

If that doesnt work i will scan it properly tomorrow at work and post lunchtime.

 

mcol still ropey as well keep getting error after clicking enrol button

[dx100uk]

std reply from farter

 

 

if you read a few threads in this forum pete

 

 

dx