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Thread: Court Claim - Lowell Portfolio / Vanquis - 21-9-2017

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  1. #1
    DeeS77's Avatar

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    Default Court Claim - Lowell Portfolio / Vanquis - 21-9-2017

    Received a claim? Yes
    Issue Date: 21-9-2017
    Amount approx: 3000
    Claimant: Lowell Portfolio
    Solicitor: Lowell Solicitors Limited
    Original Credit: Vanquis

    Particulars of Claim:


    Stat Barred? No

    Have sent: Acknowledged the Claim

    Other Info:
    Hi, I hope you can help, I just want to make sure I'm doing the right thing?

    I only received this letter yesterday, although it was dated 2 weeks ago, assuming a postal issue.

    Last night I went online and acknowledged the claim, now I just go ahead and send the CCA request to claimant and then CPR 31.14 to the solicitor? I'm assuming it's best to send these recorded delivery.

    Also, I'm not sure if that this statute barred or not as Noddle only seems to go back to 2015 for me and this is far older than that, although unsure how I can check the date.

  2. #2
    jaguarsuk's Avatar

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    Default Re: Court Claim - Lowell Portfolio / Vanquis - 21-9-2017

    Quote Originally Posted by DeeS77 View Post
    Received a claim? Yes
    Issue Date: 21-9-2017
    Amount approx: 3000
    Claimant: Lowell Portfolio
    Solicitor: Lowell Solicitors Limited
    Original Credit: Vanquis

    Particulars of Claim:


    Stat Barred? No

    Have sent: Acknowledged the Claim

    Other Info:
    Hi, I hope you can help, I just want to make sure I'm doing the right thing?

    I only received this letter yesterday, although it was dated 2 weeks ago, assuming a postal issue.

    Last night I went online and acknowledged the claim, now I just go ahead and send the CCA request to claimant and then CPR 31.14 to the solicitor? I'm assuming it's best to send these recorded delivery.

    Also, I'm not sure if that this statute barred or not as Noddle only seems to go back to 2015 for me and this is far older than that, although unsure how I can check the date.
    Hi and Welcome

    Follow this guide to work your way through with the process to form your defence, send off the CCA request and crack on with a CPR 31.14 request to the solicitors asking for the original Agreement and the Notice/Deed of Assignment. You don't have to send them recorded and a proof of posting receipt will be enough.

    Something else you can do is a Subject Access to information request to the original creditor under the Data Protection Act 1998 and you can ask for everything they hold on you including letters, statements and notices. They have 40 days to comply, so it's unlikely you'll get it back before the deadline to send in your defence. However, it may turn up something useful for the next phase of proceedings. This will likely establish the last payment date and when it was defaulted to allow you to see if it could be stat barred.

    All you do is write them a letter and send a cheque/postal order with “DPA 1998 Stat Fee Payment ONLY” written somewhere on it. If you can do it today that's probably best and here is a guide which includes a template letter.
    My posts on this forum are offered based on my experience dealing with a variety of life events. I have no formal legal training and if in doubt take professional legal advice or contact the CAB. If you follow anything I write on this forum you do so at your own risk and I accept no liability for any loss, costs or other out comes.

  3. #3
    DeeS77's Avatar

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    Default Re: Court Claim - Lowell Portfolio / Vanquis - 21-9-2017

    Thank you so much, I've sent off my letters

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