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Received a claim? Yes
Issue Date:20/09/2018
Have you Acknowledged the Claim? Yes
Total Amount Claimed: £2215.46
Claimant’s Name: Lowell Portfolio 1 Ltd
Solicitors Firm: BW Legal
Original Creditor: Vanquis Bank
Original Debt (eg. Credit card/Loan/Overdraft) : Store/Credit Card
Particulars of Claim:
the claimant's claim is for the sum of
£1.880.40 being monies due from the
defendant to the claimant under a
store cards/credit cards
agreement regulated by
the consumer credit act 1974 between the
defendant and
vanquis bank plc
under account reference 0000000000000000
and assigned to the claimant on 31/05/2013
notice of which has been given to the
defendant
the dependent failed to maintain the
contractual payment under the terms of the
agreement and a default notice has been
served and not complied with
the claim also includes statutory interest
pursuant to section 69 of the county courts
act 1984 at a rate of 8.00% per annum ( a
daily rate of £0.41 from the date of
assignment of the agreement to
31/05/2014 being an amount of £150.06.
Is the debt Statute Barred (have you had any contact with the creditor or claimant over the last 6 years?): Possible. No knowledge of debt.
List any letters you have sent : SAR to Vanquis. CCA to Lowell. CPR to BW Legal today. Asked BW Legal to prove debt back in Dec 2017 via email. Their reply was documents would be sent by post, but there weren't. (Have copy of email and their reply)
Any Other Information or Background Details:
No knowledge of ever applying, having or making any payment to an account with Vanquis Bank. First contact regarding this alleged debt, Nov 2017. All requests for evidence ignored and went a head with court claim.
Issue Date:20/09/2018
Have you Acknowledged the Claim? Yes
Total Amount Claimed: £2215.46
Claimant’s Name: Lowell Portfolio 1 Ltd
Solicitors Firm: BW Legal
Original Creditor: Vanquis Bank
Original Debt (eg. Credit card/Loan/Overdraft) : Store/Credit Card
Particulars of Claim:
the claimant's claim is for the sum of
£1.880.40 being monies due from the
defendant to the claimant under a
store cards/credit cards
agreement regulated by
the consumer credit act 1974 between the
defendant and
vanquis bank plc
under account reference 0000000000000000
and assigned to the claimant on 31/05/2013
notice of which has been given to the
defendant
the dependent failed to maintain the
contractual payment under the terms of the
agreement and a default notice has been
served and not complied with
the claim also includes statutory interest
pursuant to section 69 of the county courts
act 1984 at a rate of 8.00% per annum ( a
daily rate of £0.41 from the date of
assignment of the agreement to
31/05/2014 being an amount of £150.06.
Is the debt Statute Barred (have you had any contact with the creditor or claimant over the last 6 years?): Possible. No knowledge of debt.
List any letters you have sent : SAR to Vanquis. CCA to Lowell. CPR to BW Legal today. Asked BW Legal to prove debt back in Dec 2017 via email. Their reply was documents would be sent by post, but there weren't. (Have copy of email and their reply)
Any Other Information or Background Details:
No knowledge of ever applying, having or making any payment to an account with Vanquis Bank. First contact regarding this alleged debt, Nov 2017. All requests for evidence ignored and went a head with court claim.
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