Lowell solicitors have applied for a ccj, please help!

[Darter245]

Re: Lowell solicitors have applied for a ccj, please help!

Afternoon everyone,

So as it stands Lowell have sent over a big bundle of paperwork claiming to be original agreement, notice of default etc as outlined in a previous post. I have uploaded some photos of what they have sent, they aren't the greatest of quality so If anyone needs to see better one's I can try again.

Does this all mean that Lowell Solicitors have pulled the proverbial rabbit out of the hat or is there still hope yet? Your much valued opinions and advice are greatly appreciated.

Micky

[MIKE770]

Re: Lowell solicitors have applied for a ccj, please help!

not necessary, upload minus personal details of agreement default notice

[Darter245]

Re: Lowell solicitors have applied for a ccj, please help!

Hi Mike770

There is a photo of the default notice in one the pics i put on in one of previous posts last night, minus my personal details.

Micky

[MIKE770]

Re: Lowell solicitors have applied for a ccj, please help!

[MENTION=42011]Nem[/MENTION]sis45

[warwick65]

Re: Lowell solicitors have applied for a ccj, please help!

I'll be honest

All that looks like my Vanquish stuff right down to the DN

I have no idea why but Lowell kindly closed the account and wrote it off for me a couple of years ago

My thought was that the account had not been defaulted correctly as the DN is most definitely not compliant with

have a read of S87 and S88 of the Consumer Credit act
http://www.legislation.gov.uk/ukpga/1974/39/section/87

By the way, what is the date on the Notice of Default, 15th or 18th November?

[Darter245]

Re: Lowell solicitors have applied for a ccj, please help!

The same outcome will more than definitely do for me, the date of Notice of Default is 15th November. I will certainly have a read too.

Micky

[pt2537]

Re: Lowell solicitors have applied for a ccj, please help!

Is there any chance you could post up better copies of the default notices? I cannot see them as the images on my screen are so small and when i try to zoom in they blur.

Vanquis were notoriously bad for their default notices, so its worth a look

[Darter245]

Re: Lowell solicitors have applied for a ccj, please help!

picture 1.jpgpicture 2.jpgpicture 3.jpgpicture 4.jpgpicture 5.jpg

[Darter245]

Re: Lowell solicitors have applied for a ccj, please help!

picture 6.jpg

[Darter245]

Re: Lowell solicitors have applied for a ccj, please help!

Evening all,

Can anyone please help? I have had some correspondence from Lowell Solicitors last week, purporting to show all the information the County Court has asked of them. I have put up some clearer photos of this information in very recent posts. In your opinions does this paperwork seem legit or what has been asked of them and does this mean that they are now in the driving seat?

Many, many thanks.

Micky

[Darter245]

Re: Lowell solicitors have applied for a ccj, please help!

Hi Everyone,

Could anyone be good enough to have a look at my most recent posts and answer the questions the best you can? Namely, have Lowell now got the upper hand after producing that paperwork in the photos I have uploaded?

Many thanks

Micky

[warwick65]

Re: Lowell solicitors have applied for a ccj, please help!

maybe @pt2537 or [MENTION=6]Amethyst[/MENTION] could look

To be honest I can not see anything that jumps out at me but I am not an expert

Did you sent a SAR to Vanquis at all?

[Darter245]

Re: Lowell solicitors have applied for a ccj, please help!

I did yes but was only just shy of a few weeks ago so I am still waiting for any correspondence from them. Like everything else it all just takes time.

Thanks

Micky

[Darter245]

Re: Lowell solicitors have applied for a ccj, please help!

Evening,

Just a quick one again, looking at the photos I have uploaded in recent posts does the paperwork from Lowell Solicitors appear to be legit? Is there any faults I could pick with the Default Notice and what is likely to happen next?

Many thanks

Micky

[warwick65]

Re: Lowell solicitors have applied for a ccj, please help!

If your defence is in and you are at the waiting game maybe trying to sit back, relax and wait for the SAR response is a good idea. Then see what that shows up.