Help needed

[charitynjw]

No probs do i sit back and wait now for the sar response and also re send other thanks

Yes

Do you have bank (not Vanquis) records for the relevant period (ie which account payments to Vanquis came from?)

[Swarby88]

No ive not im with a different bank now no chance getting that info?

[charitynjw]

No ive not im with a different bank now no chance getting that info?

Just SAR them (former bank) as well.
They keep records for 6yrs +.

[Amethyst]

Sounds like they aren't charging you for what you have received - they have sent the transaction lists - maybe in your letter you asked for 'copy statements' which would be chargeable, whereas the transaction lists come under the SAR, so they're saying if you want statement copies that'll be a fiver each... which is fair dos, but you don't need them.

If that's not it maybe do a pic of the letter so can see exactly what they're saying.

[Amethyst]

just a quick one the cca creditor is vanquis or lowell ?

Cca request goes to Lowell ( the original creditor was vanquis, but Lowell bought the debt and as such become the creditor for the cca 1974 purpose )

[Swarby88]

Had no reply from any as of yet just that letter i said about is it just a waiting game now or do i need send anything more? Thanks

[Amethyst]

Well Lowell SHOULD reply to your reply to the letter of claim with documents before issuing a claim, but they don't always, so really it is a case of wait and see. You had some transaction lists off of the original creditor I think, so do they make you inclined to want to settle before having any court proceedings to deal with ?

[Swarby88]

I cant afford to pay anything at this time as im paying court / solicitor fees to see my son as my ex has stopped contact what are my options thanks

[Amethyst]

Just wait and see if they come back with anything and then consider - they might just bugger off if they haven't got any documents .

Sounds like you need to concentrate on your child arrangements order application atm xxx

[Swarby88]

Thanks for the help will keep you updated if i get anything x

[Swarby88]

Lowell sent me a claim form today with crap photocopy court logo on are they actually taking me court now or just threat letters thanks

[MIKE770]

Acknowledge Claim

[Swarby88]

So what do i need to do?

[Amethyst]

As Mike says, acknowledge the claim with intent to defend in full .... just makes sure you don't get a default judgment and buys you a bit more time ( 33 days from the issue date ) to sort a defence ( or decide to settle). I'm going to have a read back through your thread now to check what the situation is but can you post exactly what the particulars of claim are please. Ta.

btw The court claim form will have come directly from Northampton County court business centre and it always has a really crap copy court stamp on it.

[Amethyst]

Still no response to your cca request from lowell ?

Was this originally a credit card with Vanquis ?