His old vanquis debt now with Lowells

[mackemmaggot]

Hi LBs, I sent a CCA to Lowell's who have eventually replied with a statement of account and credit agreement. The agreement isn't the best to read and it's only one A4 page in size. Whilst I don't mind paying off what the OH owes I do mind paying over the odds with extra charges etc. I was expecting to also see a default notice so I could see what she actually owed before extra charges were put onto the account. Would my next step be to send a SAR to Lowell's as I'm pretty sure from the letter attached to the CCA response suggests they will now go for court action if we don't agree a repayment or ignore them, which we won't. I just want to make sure they don't take any further action pre court or otherwise until I have all the relevant information to make the right decisions. Thanks MM

[mackemmaggot]

Moved to the correct forum.