Tweet
hi
I am hoping to gain advice and support regarding the county court claim forms I received on the 21st November .
I will try to be very thorough with my information but I have never had to deal with anything like this before so will be looking for guidance, I’ve done some reading and understand I have to respond soon .
Background
I took out a vanquish card a number of years ago that I got behind on the payments for , they kept upping my limit and I couldn’t really afford it and adding interest and charges and charging me sums of £50 or more to set up payment plans as a fee , unfortunately the account was managed online and I’m now locked out and was paperless and I’ve since moved after a breakup so don’t have any paperwork, I don’t remember exactly when it was taken out and the claim form has no date.
I've made no payment since last year /18 months and the debt was sold to Lowell , who did send me a letter before claim to which I responded but never heard anything back until this ( I did send recorded but am unsure if I still have the receipt - I am looking )
Particulars of claim say
I entered into a consumer credit act agreement 1974 with vanquish and my account ref but no dates .
I failed to maintain payments and got into arrears
Assignment to claimant and notice given on 29/09/17
sum of £3629 remains outstanding ( this seems
high to me but until I get more info I don’t know if this is true or how many charges they added )
interestt added etc.
I plan to log on to moneyclaim or reply that I wish to dispute the claim and get more information , Is this the right way to proceed ?.... do I ask for extra time ?
how do I defend this claim .... or should I try to settle , will they take an offer
I’m a single parent and on a low income , I deffo owe some money to vanquish although im aware Lowell purchased this for a low figure and that vanquish have ramped up that figure with charges .
ive been looking for other vanquish cases and see that there paperwork is often shoddy , im a very anxious and nervous person and have a lot going on atm with a sick child so I just need this to be sorted out .
Please help
I am hoping to gain advice and support regarding the county court claim forms I received on the 21st November .
I will try to be very thorough with my information but I have never had to deal with anything like this before so will be looking for guidance, I’ve done some reading and understand I have to respond soon .
Background
I took out a vanquish card a number of years ago that I got behind on the payments for , they kept upping my limit and I couldn’t really afford it and adding interest and charges and charging me sums of £50 or more to set up payment plans as a fee , unfortunately the account was managed online and I’m now locked out and was paperless and I’ve since moved after a breakup so don’t have any paperwork, I don’t remember exactly when it was taken out and the claim form has no date.
I've made no payment since last year /18 months and the debt was sold to Lowell , who did send me a letter before claim to which I responded but never heard anything back until this ( I did send recorded but am unsure if I still have the receipt - I am looking )
Particulars of claim say
I entered into a consumer credit act agreement 1974 with vanquish and my account ref but no dates .
I failed to maintain payments and got into arrears
Assignment to claimant and notice given on 29/09/17
sum of £3629 remains outstanding ( this seems
high to me but until I get more info I don’t know if this is true or how many charges they added )
interestt added etc.
I plan to log on to moneyclaim or reply that I wish to dispute the claim and get more information , Is this the right way to proceed ?.... do I ask for extra time ?
how do I defend this claim .... or should I try to settle , will they take an offer
I’m a single parent and on a low income , I deffo owe some money to vanquish although im aware Lowell purchased this for a low figure and that vanquish have ramped up that figure with charges .
ive been looking for other vanquish cases and see that there paperwork is often shoddy , im a very anxious and nervous person and have a lot going on atm with a sick child so I just need this to be sorted out .
Please help
xxx
Comment