Tweet
Hello, I have received 2 court claims against me, one from Lowell (Vanquis debt) and one from Drydens for Newday debt.*
For the Vanquis claim, I have acknowledged claim with intention to admit part of the claim. I also sent SAR to Vanquis. But I have no clue what can be used for the defense.*
After reading here and there, I found out that it is possible to complain about irresponsible lending to Vanquis. So I was wondering can I use this in the defense when admitting part of the amount? Writing something like, that I intend to complain to Vanquis about irresponsible lending and that if won, there is a possibility that the amount Lowell wishes to claim might be lower.*
Also this debt was with Lowell for the last 5 years and they have offered me partial settlement many times. I have accepted once, but they wanted me to pay either in full or in 3 installments, which I couldn't do at a time, so I continued paying £5, then I couldn't pay even that and stopped paying completely. Could the partial settlement offers be used as admittance to partial debt amount in defense?*
Lowell also added some interest to the debt (interest pursuant to s69), can I challenge this? I mean they had my debt for 5 years, why do they want interest? Does it suddenly cost them money to have this debt? If I understand correctly, they have bought this debt from Vanquis for much less and now they want to make even more money from the person who can't pay?
Is there a point to contact Lowell at this point and offer them some sort of payment? I can only offer £1 since I have no money and I am falling behind my rent. It's actually illogical for me to offer even that, since rent is a priority, but in those N forms that is what I am going to write.*
If ccj was ordered and £1 accepted could I re-negotiate settlement amount in the future with Lowell. Say I had money and wanted to pay lump amount, but less than the court had ordered?*
Regarding Newday debt, I think this was Debenhams card. If I admit full amount, does that mean court will order to pay the same amount even based on my low income?*
For the Vanquis claim, I have acknowledged claim with intention to admit part of the claim. I also sent SAR to Vanquis. But I have no clue what can be used for the defense.*
After reading here and there, I found out that it is possible to complain about irresponsible lending to Vanquis. So I was wondering can I use this in the defense when admitting part of the amount? Writing something like, that I intend to complain to Vanquis about irresponsible lending and that if won, there is a possibility that the amount Lowell wishes to claim might be lower.*
Also this debt was with Lowell for the last 5 years and they have offered me partial settlement many times. I have accepted once, but they wanted me to pay either in full or in 3 installments, which I couldn't do at a time, so I continued paying £5, then I couldn't pay even that and stopped paying completely. Could the partial settlement offers be used as admittance to partial debt amount in defense?*
Lowell also added some interest to the debt (interest pursuant to s69), can I challenge this? I mean they had my debt for 5 years, why do they want interest? Does it suddenly cost them money to have this debt? If I understand correctly, they have bought this debt from Vanquis for much less and now they want to make even more money from the person who can't pay?
Is there a point to contact Lowell at this point and offer them some sort of payment? I can only offer £1 since I have no money and I am falling behind my rent. It's actually illogical for me to offer even that, since rent is a priority, but in those N forms that is what I am going to write.*
If ccj was ordered and £1 accepted could I re-negotiate settlement amount in the future with Lowell. Say I had money and wanted to pay lump amount, but less than the court had ordered?*
Regarding Newday debt, I think this was Debenhams card. If I admit full amount, does that mean court will order to pay the same amount even based on my low income?*
Comment