**CASE CLOSED** Court Claim - Lowell/Vanquis - 15-1-2015

[beaconsman]

Re: Court Claim - Lowell / Vanquis - 15-1-2015

I sent the spreadsheet with interest plus the amounts per time with dates as Lowlifes sent me the statements under the CCA request even though it was about 2 months late! I have the statement with me up to date amount due. Seems to be some confusion over £12 fees, as they are arguing that they are inline with financial services office guidelines?..This is my last default so wan tit dealt with and a clean sheet when i start working. (2016 maybe.., all children in school full time..bliss)...

I paid off 50% off the balance before i got made redundant, the charges they levied after this were on purpose to take the amount back over my balance. Just after some justice really as I was promised the charges wouldn't be levied as i paid chunk off in a lump sum. The charges are the ones thats gotten the account into default..

They can go screw themselves as far I'm concerned. Im pursuing the matter.

[FlamingParrot]

Re: Court Claim - Lowell / Vanquis - 15-1-2015

I sent the spreadsheet with interest plus the amounts per time with dates as Lowlifes sent me the statements under the CCA request even though it was about 2 months late! I have the statement with me up to date amount due. Seems to be some confusion over £12 fees, as they are arguing that they are inline with financial services office guidelines?..This is my last default so wan tit dealt with and a clean sheet when i start working. (2016 maybe.., all children in school full time..bliss)...

They are in line with the guidelines, it was the charges above that level that were unlawful. If you issue a claim you'll have to pay court fees and you could end up further out of pocket as IMHO I doubt you'd win a claim based on £12 charges. Apart from being considered in line with guidelines, you would also have signed an agreement where you agreed to those charges as well as Vanquis' outrageous interest rates. :mmph:

The default should drop off six years after it was recorded regardless of whether you get a refund or not, even paying it off in full wouldn't make it go away.

[beaconsman]

Re: Court Claim - Lowell / Vanquis - 15-1-2015

I am also claiming ROP charges, which I believe I can claim back.

[beaconsman]

Re: Court Claim - Lowell / Vanquis - 15-1-2015

I understand I cant claim the £12 charges back, however, it was these that took the account into Alleged default in the first place thereby enabling lowlifes to buy the debt and hassle me. I dont work in any shape or form, I might even be a full time mature student next year so I doing see what they are going to accomplish. In my view the debt has already had a claim issued against it and I had a notice of discontinuance for the same amount claimed by another so called legal company. They are chasing the same debt twice which really, shouldn't exist as there is no balance as such, just accrued charges.

[beaconsman]

Re: Court Claim - Lowell / Vanquis - 15-1-2015

Just doing some research as not giving up on the vanquis charges, bunch of crooks.

[MIKE770]

Re: Court Claim - Lowell / Vanquis - 15-1-2015

Just doing some research as not giving up on the vanquis charges, bunch of crooks.

Aptly said, the name of CEO Peter Crook

[FlamingParrot]

Re: Court Claim - Lowell / Vanquis - 15-1-2015

Aptly said, the name of CEO Peter Crook

Is that true? :lol: :lol: :lol:

[MIKE770]

Re: Court Claim - Lowell / Vanquis - 15-1-2015

Is that true? :lol: :lol: :lol:

Peter Crook

Chief Executive, age 51

Key achievements:

• Driving and executing the agreed strategies of the group and achieving above plan financial performance.
• The identification and oversight of strategic acquisition opportunities, including the completion of the purchase of Moneybarn.
• Providing strategic input into the FCA full authorisation process being undertaken by each of the divisions.
• Providing strategic input into the future options for the Vanquis Bank Polish pilot operation resulting in the decision in early 2015 to withdraw from the pilot.

Previous board and management experience:
UK managing director, Barclaycard.
Current external appointments:
Non-executive director of Cabot (Group Holdings) Limited.

[FlamingParrot]

Re: Court Claim - Lowell / Vanquis - 15-1-2015

Peter Crook

Chief Executive, age 51

Key achievements:

• Driving and executing the agreed strategies of the group and achieving above plan financial performance.
• The identification and oversight of strategic acquisition opportunities, including the completion of the purchase of Moneybarn.
• Providing strategic input into the FCA full authorisation process being undertaken by each of the divisions.
• Providing strategic input into the future options for the Vanquis Bank Polish pilot operation resulting in the decision in early 2015 to withdraw from the pilot.

Previous board and management experience:
UK managing director, Barclaycard.
Current external appointments:
Non-executive director of Cabot (Group Holdings) Limited.

It's all in the family then! :mmph:

[beaconsman]

Re: Court Claim - Lowell / Vanquis - 15-1-2015

All in it together eh Mr Cameron..you are right there sir..lol

[beaconsman]

Re: Court Claim - Lowell / Vanquis - 15-1-2015

UPDATE:
Received a letter from Lowlifes..(sorry, been rather busy)
16th October 2015
We acknowledge receipt of your complaint 22nd September (my letter was a corker!) we have fully noted all the points you raise..blahdy blah...

Your complaint has been logged by our customer relations dept (ha ha!) who will carry out a thorough investigation. `We will investigate this as quickly as we can....we may need to contact you for further information or to provide you with an update..( i wont be helping them to do their work)...

We would like to reassure you that at the point your complaint was received, the account was placed on hold so no collection activities will be carried out until the complaint has been resolved.

Unfortunately, we have not completed the investigation to allow us to respond in full to your concerns.

Please accept our apologies for the delay and thank you for your patience. We will write to yours soon as possible...

blah blah,blah.

I am still waiting.

In regards to vanquis, I am sending another letter demanding the charges back...am not taking this lying down.

On another note, received a letter fro CCCS regarding an item from ideal world i bought in 2012...forgot i closed the account and they are alleging i owe £99....strange that i have found my bank statements with payments made...oh dear.

[beaconsman]

Re: Court Claim - Lowell / Vanquis - 15-1-2015

MORNING!!

As you can probably tell...I have a result....read below..

From Lowell in the post not long ago...

I write further to our letter of 16th October and would like to take this opportunity to apologise in the dely of responding.....

My understanding of your complaint is you re unhappy that we have not complied with your request to provide a copy of your credit agreement. You state the terms and conditions were not closed, therefore the outstanding balance is unenforceable.

Furthermore, you state you have successfully defended the County Court action taken on ur behalf by BW Legal.

MY findings. (worth a read to give hope to others, do not be bullied, fight them..)

I have reviewed the account and taken into consideration the concerns you raised.

Please accept my apologies if the copy off the agreement sent on 9th Sept 2015 did not contain a copy of the terms and conditions, Whilst I unable to confirm the content of what was sent to you please find enclosed the documents held on file provided by vanquis that substantiates our claim fro the account.

On16th Jan 2015, BW legal issued a County Claim form to recover the outstanding balance. They received your defence and Lowell requested documentation from Vanquis to support our claim. On 18th March, we instructed BW legal to discontinue the claim.

For clarity, there is a difference between the disconintuance of a claim and a climbing successfully defended in court. The above case was discontinued at our request by BW legal prior to the hearing date and was not dismissed int he County Court due to your defence. Therefore I amenable to agree with your statement that it was successfully defended in court. (I dont believe this at all, as they the wrong account numbers so the judge would have thrown the case out anyway...)

Now for the best bit, if anyone can confirm what this means..

Whilst we believe the account due endowing, to bring this matter to a swift and amicable resolution, without any admission od liability or wrongdoing, I have taken the decision to close the account. This means we will no longer be pursuing the outstanding balances. However we will continue to report the default to the CRA's. I want to challenge this also, as ion they also closed the account, why are they allowed to still default the account? Any advice would be appreciated on this point...

They have also said, I can tales this to the Financial Ombudsman Service If i feel I l have the right to refer the complaint.

Although there are time limits for referring you complaint toe the Ombudsman, we will consent to the Ombudsman considering your complaint even if you refer the complaint outside the time limits...(Why would they agree to this?)

So, now, I am in the process of re iterating the charges that vanquis put on the account amounting to over £275 without interest. I am now fighting them of rate charges and have drafted a letter stating failure to do so will result in further action.

I will keep looking in and will donate when I have the cash. To Kate, Nem and others, thank you so much for the site. and to others in the same position, take the fight to them, they dont like it when we fight back..

"Arte et Marte"...(My old Corp moto, "By skill and by fighting..)

[Kati]

Re: Court Claim - Lowell / Vanquis - 15-1-2015

:clap2: well done :clap2:

are you going to take it to the ombudsman??

[beaconsman]

Re: **CASE CLOSED** Court Claim - Lowell/Vanquis - 15-1-2015

Hmm not too sure, as of yet I am fighting vanquis with the original account charges.

Strange that they actually want me to take it to the Ombudsman..I would rather accept their findings and have the account closed. Does this mean that its the end of, or would they sell the debt on to someone else...bearing
in mind, its already been discontinued and now they say it is being closed. I still believe they should be liable for punitive charges for stress and time involved in correspondence etc...

[nemesis45]

Re: Court Claim - Lowell / Vanquis - 15-1-2015

MORNING!!

As you can probably tell...I have a result....read below..

From Lowell in the post not long ago...

I write further to our letter of 16th October and would like to take this opportunity to apologise in the dely of responding.....

My understanding of your complaint is you re unhappy that we have not complied with your request to provide a copy of your credit agreement. You state the terms and conditions were not closed, therefore the outstanding balance is unenforceable.

Furthermore, you state you have successfully defended the County Court action taken on ur behalf by BW Legal.

MY findings. (worth a read to give hope to others, do not be bullied, fight them..)

I have reviewed the account and taken into consideration the concerns you raised.

Please accept my apologies if the copy off the agreement sent on 9th Sept 2015 did not contain a copy of the terms and conditions, Whilst I unable to confirm the content of what was sent to you please find enclosed the documents held on file provided by vanquis that substantiates our claim fro the account.

On16th Jan 2015, BW legal issued a County Claim form to recover the outstanding balance. They received your defence and Lowell requested documentation from Vanquis to support our claim. On 18th March, we instructed BW legal to discontinue the claim.

For clarity, there is a difference between the disconintuance of a claim and a climbing successfully defended in court. The above case was discontinued at our request by BW legal prior to the hearing date and was not dismissed int he County Court due to your defence. Therefore I amenable to agree with your statement that it was successfully defended in court. (I dont believe this at all, as they the wrong account numbers so the judge would have thrown the case out anyway...)

Now for the best bit, if anyone can confirm what this means..

Whilst we believe the account due endowing, to bring this matter to a swift and amicable resolution, without any admission od liability or wrongdoing, I have taken the decision to close the account. This means we will no longer be pursuing the outstanding balances. However we will continue to report the default to the CRA's. I want to challenge this also, as ion they also closed the account, why are they allowed to still default the account? Any advice would be appreciated on this point...

They have also said, I can tales this to the Financial Ombudsman Service If i feel I l have the right to refer the complaint.

Although there are time limits for referring you complaint toe the Ombudsman, we will consent to the Ombudsman considering your complaint even if you refer the complaint outside the time limits...(Why would they agree to this?)

So, now, I am in the process of re iterating the charges that vanquis put on the account amounting to over £275 without interest. I am now fighting them of rate charges and have drafted a letter stating failure to do so will result in further action.

I will keep looking in and will donate when I have the cash. To Kate, Nem and others, thank you so much for the site. and to others in the same position, take the fight to them, they dont like it when we fight back..

"Arte et Marte"...(My old Corp moto, "By skill and by fighting..)

Well Done!!

nem