Vanquis DN

[jon1965]

Is this ok
It appeared on my Credit file in jan 2012

Vanquis DN.doc

Ta
Jon

[jon1965]

Re: Vanquis DN

I think I have just answered my own question. Even if I had paid the amount requested I would still have been over my credit limit....?

[mystery1]

Re: Vanquis DN

That isn't a default notice.

M1

[jon1965]

Re: Vanquis DN

So assuming i have kept accurate records do i need to sar them?

[mystery1]

Re: Vanquis DN

Dunno, what are you trying to do ?

M1

[Never-In-Doubt]

Re: Vanquis DN

That is NOT a default notice and holds no legal weight as one. In fact it's not even an OFT default sums notice - in fact, what the feck is it exactly?

[kilasuit]

Re: Vanquis DN

I've just recieved something similar

will dig it out along with the other 100 odd letters i've had this last month.

[jon1965]

Re: Vanquis DN

well as far as my crap record keeping goes it is THE DN that Vanquis sent. So as my agreement is post 2007 and is what would be my next move.
i am not paying anuthing to them atm

I know that some would say this shouldn't be my priority at the mo and I agree , it keeps my mind off other things

[Never-In-Doubt]

Re: Vanquis DN

Ok so post 04/07 which has been defaulted incorrectly!

Not much unless they terminate on the back of this and try to enforce

Stop worrying Jon. It'll be fine

[jon1965]

Re: Vanquis DN

Thanks Niddy. I have so many scans that I only found it tonight .
What does Tesco say every little helps

[Paul.]

Re: Vanquis DN

Is this ok
It appeared on my Credit file in jan 2012

[ATTACH]4618[/ATTACH]

Ta
Jon

that is the cover letter that they send with the Default notice

There would be a second page

[jon1965]

Re: Vanquis DN

Thanks Paul
I do not think there was a 2nd page as I was scanning everything at that time to email to my DMC. However no guarentees there.
Any suggestions?

[Paul.]

Re: Vanquis DN

Thanks Paul
I do not think there was a 2nd page as I was scanning everything at that time to email to my DMC. However no guarentees there.
Any suggestions?

There would have been a second page unless Vanquis bollocksed it up even more than normal

[jon1965]

Re: Vanquis DN

Well I am at the moment playing a waiting game with Mackenzie hall, they have treatened hell, damnation and castration if I do not pay up (2 out of 3 will be ok)

Is it worth SAR ing them, or waiting . If they did decide to go down the enforcement route would I have time to SAR them or get the actual DN prior to any hearing?

Basically just a bit guidance would be appreciated . What would you do if it were you?

[mystery1]

Re: Vanquis DN

Sometimes you can get good info from a SAR.

To sue for the balance they need to have sent a compliant default notice. Obviously they would need to plead as much in the particulars of claim or you would apply to have them re plead their case.

Once they have pleaded that they have sent a default notice you would request a copy under cpr 31.14. Either you get it or you apply to strike out the case due to failure to produce.

M1