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  • Originally posted by Diana Mayhew View Post


    I've looked back at the history of this debt and can see that you sent your CCA Request to HSBC's DCA at the time.

    You say the credit agreement sent in response (by HSBC) was enforceable.

    However Cabot may not have access to HSBC documentation, so the last thing you want is to prompt them to source the credit agreement and then issue a claim.

    Send a SAR to HSBC to see what data and information they hold.

    You can also email me a copy of that credit agreement when you send me a copy of the Letter of Claim.

    (I hope I'm not too late in posting this.)

    Di
    Thankyou so much, yes got my sar request ready to send (be first time to shops).
    will email you the form they sent .

    Comment


    • Originally posted by Shineon View Post
      will email you the form they sent .

      Email received with an interesting anomaly spotted in the apparent credit agreement

      Di
      Legal Disclaimer

      I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0151 254 6986 Our initial advice is always free.

      Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

      Comment


      • Originally posted by Shineon View Post
        VANQUIS BANK

        Husband
        Balance: £1076.00
        Start Date: 03/05/2015
        Last payment: DMP March 2018
        Original Lender: Vanquis Cr Card


        21/03/2018 - CCA sent
        28/03/2018 - CCA recieved will send for checking.
        27/04/2018 cancelled DMP
        28/05/2018 letter from Vanquis, advising no longer on DMP and interest and charges due to resume in 30 days
        28/05/2018 letter from Vanquis, a/c over limit, can pay if an oversight ( nope )
        26/06/2018 letter saying no payment recieved , please call
        05/06/2018 monthly statement from vanquis
        06/06/2018. A/c remains overdue letter from vanquis
        29/06/2918 a/c overdue letter
        19/07/2018 pending notice of default letter.
        28/07/2018 monthly overdue statement
        08/08/2018 Notice of Default letter
        22/08/2018 Please contact letter from Vanquis
        28/08/2018 Monthly Statement
        01/11/2018 Monthly Statement
        27.11.18 monthly statement.
        02/08/2019 letter rob way - what can you afford to pay
        15/08/2019 letter from Rob Way , we are authorised to negotiate payment plan.
        31/08/19 statement from vanquis.
        31/08/2919 letter rob way to arrange a payment plan.
        23/09/2019 letter rob way - reduced settlement offer.
        10/10/2019 letter from rob way to sort payment.
        29.08.20 vanquis statement
        19.10.20 letter Lowell , bought account, NOA letter enclosed from vanquis.
        04.11.20 letter Lowell, payment due
        18.11.20 letter Lowell, overdue account
        30.11.20 letter Lowell, overdue account
        18.12.20 letter Lowell, pre legal assessment
        03.01.21 letter Lowell, pre legal assessment, 20% discount.
        19.01.21 letter Lowell, pre legal assessment, we may instruct solicitor, still offering 20% discount.
        23.02.21 letter from Lucas , ac overdue, Lowell portfolio 1 have instructed them, contact in 10 days or will refer to their sols to commence legal action. Also letter enclosed saying Overdales legal Ltd have changed name to Lucas cr services. Also enclosed letter headed Lowell saying sent to Lucas and to contact them.
        Hi all xx received letter from Lucas credit services today, acting as DCA for Lowell, do I need to just wait for now, or need to send off for sar to Vanquis or anything else ,,, xx bloomin Lowell ....grrrrr .....

        Comment


        • Originally posted by Shineon View Post

          received letter from Lucas credit services today, acting as DCA for Lowell, do I need to just wait for now, or need to send off for sar to Vanquis or anything else

          No need to do anything right now.

          Lowell are busy issuing claims at the moment, so use this time to prepare on a just-in-case basis. If you receive a Letter of Claim then email it to me.

          What did Niddy say when you sent him the credit agreement Vanquis produced in March 2018 in response to your CCA Request?

          Di


          Legal Disclaimer

          I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0151 254 6986 Our initial advice is always free.

          Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

          Comment


          • Originally posted by Diana Mayhew View Post


            No need to do anything right now.

            Lowell are busy issuing claims at the moment, so use this time to prepare on a just-in-case basis. If you receive a Letter of Claim then email it to me.

            What did Niddy say when you sent him the credit agreement Vanquis produced in March 2018 in response to your CCA Request?

            Di

            thanks Di,and a belated birthday wish from me x hopefully not issuing ours, yes will email if anything arrives,,,
            Niddy said it could be UE but not 100per cent,,, screen prints and terms.
            this is husbands Vanquis, I also have a Vanquis one, both have got Lowell on the case,,
            Thanks...x


            Comment


            • Originally posted by Shineon View Post
              thanks Di, and a belated birthday wish from me x

              . . . this is husbands Vanquis, I also have a Vanquis one, both have got Lowell on the case

              I can see you recently updated your Vanquis debt post with Lowell saying they may instruct solicitors. Let me know if they send you a Letter of Claim.

              I'm quoting your post below to remind me to help you to keep on top of things.

              I can see that Niddy thought the credit agreement they sent you in response to your CCA Request to Vanquis was "probably" enforceable, which is not the same as definitely enforceable. And it was produced by Vanquis not Lowell.

              Don't send another CCA Request, but you can email me the credit agreement you got in March 2018 to see if there's any chance that the probability could be remedied by them subsequently.


              Originally posted by Shineon View Post
              VANQUIS BANK


              Mine
              Balance: £2508.05
              Start Date: 19/05/2012
              Last payment: DMP March 2018
              Original Lender: Vanquis Cr Card
              .
              21/03/2018 - CCA sent
              28/03/2018 CCA recieved back, will send for checking.
              checked EN, most prob.
              27/04/2018 cancelled DMP
              12/05/2018 monthly statement recieved.
              28/05/2018 letter from Vanquis, advising no longer on DMP and interest and charges due to resume in 30 days .
              13/07/2018 Letter from vanquis saying payment overdue
              19/07/2018 letter vanquis to sort payment, balance higher now so must be charging interest .
              03/08/2018 Vanquis letter pending notice of default.
              10/08/2018 Monthly statement
              16/08/2018 Notice of Default received.
              10/09/2018 Letter saying new case manager, to sort plan.
              11/09/2018 Monthly statement.
              24/09/2018 Letter from case manager offering discount to sort payment and keep a/c open.
              12/10/2018 Monthly statement.
              10.12.18 monthly statement.
              15/12/2018 Refund letter for overcharging interest, saying cr card with £2.07
              03/08/2019 letter Moorcroft- your details have been passed to us by vanquis bank ltd and to sort payment plan
              12/08/2019 letter Moorcroft - important info, possible further action.
              30/08/2019 letter Moorcroft - monthly instalment offer.
              09/09/2019 letter Moorcroft- no contact made, contact us.
              14/09/2019 vanquis monthly statement, important info bit says been passed to Moorcroft and to deal with them directly.
              23/09/2019 Moorcroft letter saying this has been sent to their home collections division.
              19.12.2019 moorcroft letter offer discount, last chance before further action being recommended.
              29.08.20 Statement from vanquis
              18.10.20 letter Lowell,bought account, with NOA enclosed from vanquis.
              01.11.20 letter Lowell to sort payment.
              18.11.20 letter Lowell to sort overdue account.
              30.11.20 letter Lowell,accessing account for legal action.
              18.12.20 letter lowell, pre legal assessment.
              04.01.21 letter Lowell, pre legal assessment, 20% discount.
              18.01.21 letter Lowell, we may instruct solicitors, 20% discount still available.

              And thank you for your kind birthday wishes too

              Di
              Legal Disclaimer

              I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0151 254 6986 Our initial advice is always free.

              Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

              Comment


              • Thanks Di, will find agreement and email to you, over the weekend x thanks

                Comment

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