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

[beaconsman]

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

Sent defence Friday 13th Feb, what happens now as see nothing on mcol, only my defence has been received. thanks.

[beaconsman]

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

Update:
Received a letter today (18th Feb) dated 13th Feb (the day I entered my defence).
Court has acknowledge defence. A copy is being served on claimant etc.. The claimant may contact you directly to resolve any dispute....If dispute cannot be resolved informally, then claimant will inform the court they wish to proceed.

Where he wishes to proceed the claimant must contact the court within 28 days after receiving a copy of defence. After that period has elapsed, the claim will be stayed. The only action the claimant can then take will be to apply to a judge for an order lifting the stay...

from HM Courts & Tribunal Service.

Guess I now wait until they have seen my defence..Oh goody!

[beaconsman]

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

UPDATE..GOOD NEWS!:clap2:

18th March, from BWL "Further to previous correspondence regarding the above matter we enclose herewith by way of service upon you a Notice of Discontinuance and confirm the original has been filed with the Court...

Thats it then. all over?

[MIKE770]

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

nice one

[beaconsman]

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

Letter only arrived this morning BTW..(21st)

I presume this means they cant come after me again so I can avoid the hassles?

[nemesis45]

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

Gone, not likely to return unless Lowell try to sell the debt on, but you have a good answer now if that happens,

nem

[beaconsman]

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

Hi Nem, thanks, what answer would that be? my defence?

[nemesis45]

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

That the matter had been the subject of a CC claim that had been discontinued.
The very worst scenario is begging letters from Lowell quoting your " moral obligation to pay them".
Ignore such approaches if it happens.

nem

[beaconsman]

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

Just checked MCOL and notice of discontinuance has appeared now, dated 24th March 2015.

A massive THANK YOU to amethyst and Nemesis et al for their help.

I can now concentrate on uni assignemnts!

My "job" as a stay at home is soon at an end as my lad starts nursery after easter...still, have a motorbike that needs thrashing!

[beaconsman]

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

Morning all, Well, I'm back again. Yup, lowlifes have been in contact via mail. This time it seems they have done their research properly and got the account number correct. As it is a different account number, I cant really say it has already been the subject of a CCJ claim. I therefore will have to offer something, I dont work, am a stay at home dad as my wife is covering all bills (just) with her wage. Just wonder what my first initial step should be. I have recently lost a relative so wont be dealign with this immediately. Have to travel to Wales on Wednesday for funeral so this isn't a priority for me. Thanks again. (Uni has finished for the summer so can deal with this without worrying about deadlines).

[Kati]

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

[MENTION=55034]nemesis45[/MENTION] ??

[nemesis45]

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

@nemesis45 ??

Got it Katie!! xx

[nemesis45]

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

Morning all, Well, I'm back again. Yup, lowlifes have been in contact via mail. This time it seems they have done their research properly and got the account number correct. As it is a different account number, I cant really say it has already been the subject of a CCJ claim. I therefore will have to offer something, I dont work, am a stay at home dad as my wife is covering all bills (just) with her wage. Just wonder what my first initial step should be. I have recently lost a relative so wont be dealign with this immediately. Have to travel to Wales on Wednesday for funeral so this isn't a priority for me. Thanks again. (Uni has finished for the summer so can deal with this without worrying about deadlines).

If you don't recognise the account No. and can't find any judgement recorded then Lowell must be put to strict proof of their claims.

I can put a draft letter together if you wish.

nem

[beaconsman]

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

HI, the account number is now correct, I think they realised their mistake finally. Just wonder what my options are now. its a couple of hundred pounds, not a vast amount but money I dont have as I am a stay at home dad (more so now after wifes shock yesterday!) no 4 on way!

[Kati]

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

I am a stay at home dad (more so now after wifes shock yesterday!) no 4 on way!

Congratulations xx