help carter/lowell

[brisad]

Re: help carter/lowell

Nice One P Jay

If you read my last post you are one of the lucky ones

[nemesis45]

Re: help carter/lowell

Hi Nem

All is lost! I have just read my emails and a Clive Lyons for Lowells Solicitor has sent a witness statement with the original aggreement from Vanquis bank and assignation letter.

I have no defence as it contains everything they need to suceed I can resend the emails to you if needed for advice to others but it seems dumping Carter and having their own in house solicitors seems to help them suceed.

Question now is How to make any offer to pay given my meagre income and should I contact them directly and make them aware of my financial situation?

Sorry to be a pain and thanks in advance Brian

Hello Brian,

Yes please post the e-mails after removing personal details.

nem

[NWHC]

Re: help carter/lowell

Hi Brisad

Did Vanquis ever send you a default notice, was it mentioned in the claim form.

To be honest , just because they have sent the agreement doesn't mean all is lost

As Nem said, what have they actually sent you?

[brisad]

Re: help carter/lowell

yes I got copies of everything including the e signature agreement from vanquis and default notices from vanquis and lowells

Regards Brian

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Has anyone got a clue how to find nem;s email addy?

[nemesis45]

Re: help carter/lowell

yes I got copies of everything including the e signature agreement from vanquis and default notices from vanquis and lowells

Regards Brian

- - - Updated - - -

Has anyone got a clue how to find nem;s email addy?

Hello Brian I've been away most of the weekend so have only just started to look through post.

I will ask [MENTION=49370]Kati[/MENTION] to accept the e-mails from you and pass them on to me it's much better that info goes through LB admin rather than direct to me,

nem
[MENTION=49370]Kati[/MENTION] can you help Brian please, nemxx

[brisad]

Re: help carter/lowell

Thanks Nem

Just upgraded to windows 10 and cant use it xx

[Kati]

Re: help carter/lowell

Has anyone got a clue how to find nem;s email addy?

@Kati can you help Brian please, nemxx

Of course if you email me with anything you want looking at (and a link to this thread) I'll sort it xx

[nemesis45]

Re: help carter/lowell

Of course if you email me with anything you want looking at (and a link to this thread) I'll sort it xx

Thank you [MENTION=49370]Kati[/MENTION] nemxx

[Kati]

Re: help carter/lowell

....

[brisad]

Re: help carter/lowell

Hi

stuck in limbo! in the words of John Lennon "How can I go Forward when I dont know which way I'm facing?"

Just received another letter from Lowells solicitors with a letter from Vanquis!

Vanquis have written me a letter and a my copy of CCA (as shown in the attached correspondence pdf above)

Lowells want me to make contact within the next 14 days to discuss payment or further action may be taken.........???

Is it a good time to call and reveal my wealth to them?

Thanks again Brian

[nemesis45]

Re: help carter/lowell

Hi

stuck in limbo! in the words of John Lennon "How can I go Forward when I dont know which way I'm facing?"

Just received another letter from Lowells solicitors with a letter from Vanquis!

Vanquis have written me a letter and a my copy of CCA (as shown in the attached correspondence pdf above)

Lowells want me to make contact within the next 14 days to discuss payment or further action may be taken.........???

Is it a good time to call and reveal my wealth to them?

Thanks again Brian

Hello Brian,

Just read all the all the T's & C's which seem to be correct all sections present.
Can you find any fault with information on the application form?

Has their been any change of address since the application was made?


nem

[brisad]

Re: help carter/lowell

Hi Nem

As far as I can see it is all correct apart from the alleged phone call I cant honestly fault it

I am wondering why they sent the letter offering a payment plan they may have sent the papers to court but the date is set for 31st may
will they have had to pay the court at this point?

I really do appreciate your help Nem and Kati and thank you very much take a cyber hug each

[brisad]

Re: help carter/lowell

I was just wondering something about "money"

If Vanquis sells the debt for pennies in the pound surely they must write off the balance of the debt if that is the case nowe lowells have the account how can they ask for the full amount?

How many times can money be accrued in interest? costs I understand but even if I make a payment or go to court how come a sub £3000 debt attract so much interest?

What happens if Lowells decide not to pursue me (hypothetically) woild they get a full tax write off for the full amount?

[nemesis45]

Re: help carter/lowell

Hi Nem

As far as I can see it is all correct apart from the alleged phone call I cant honestly fault it

I am wondering why they sent the letter offering a payment plan they may have sent the papers to court but the date is set for 31st may
will they have had to pay the court at this point?

I really do appreciate your help Nem and Kati and thank you very much take a cyber hug each

Hello Brian,

I've looked over the agreement again and again and it looks fine (unfortunately) they would probably paid fees for this claim among a raft of others all electronically.
The " discount offer " letter (s) are basic templates revised and sent at set periods during the collection process.
I take it you have not changed address during the life of the agreement?

Have you done an exhaustive income and expenditure statement yet? T'would a good a idea to do one now.

nem

[brisad]

Re: help carter/lowell

Hi

Thanks very much for all your effort and hard work I will contact them on monday as I have decided to go with either stepchange or apply for a DRO

I only hope that the bad news I got from Lowells solicitors will be of use to others in the future as it seems they have sewn everything up well now.

xx