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I got a default from Vanquis bank in 2013 after I had financial difficulties - During this time I got also got defaulted by Lloyds , Barclays and Capital one -
The problem is at this time I did not know that I needed to have a Notice of Default by each company because Vanquis did not give me one only informed me on the phone that I was getting the default but the others did send me notice of default which I have as proof.
My default ended in late 2019 and Vanquis then sold it to Arrow Global who gave me a Default , after I had called them and informed them that I had been given a default by Vanquis. The told me they would investigate and get back to me . They did not communicate with me but just defaulted me .
I have recorded messages of me contacting them before the default on phone , they did an investigation after I was given the Default .
Vanquis did not send me a Default notice nor did Arrow global and this is illegal right ???
My business has been affected as I was declined loans due to this default . My Mortgage and other things have also been affected .
I have open a case with the FSA but I was told this would take 4-6 months - meanwhile my credit rating is affected , my business is suffering as Covid has affected it and I can not do anything about it.
I have done soo much research on Vanquish and Arrow Global and found I am not the only one who has gone through this .
I need legal advice as I want to take them to court - I have documentation of sums of defaults they gave me , letters of me calling in to complain about my default a calculations of my defaults charges changing once I had a default -
paperwork of all the other Default notice from Llyods abd Capital one -
I did not get a default notice from Vanquis or from ARROW GLOBAL
BUT GOT A DEFAULT FROM BOTH ON THE SANE LOAN
DOes anyone know of a law firm that can take my Cade on a NO WIN NO FEES CASE - as I do not have the financial means to go after these 2 companies .
I have paper work to back my stories but no financial means.
please help me as I am drowning from this case .
regards
Edith
The problem is at this time I did not know that I needed to have a Notice of Default by each company because Vanquis did not give me one only informed me on the phone that I was getting the default but the others did send me notice of default which I have as proof.
My default ended in late 2019 and Vanquis then sold it to Arrow Global who gave me a Default , after I had called them and informed them that I had been given a default by Vanquis. The told me they would investigate and get back to me . They did not communicate with me but just defaulted me .
I have recorded messages of me contacting them before the default on phone , they did an investigation after I was given the Default .
Vanquis did not send me a Default notice nor did Arrow global and this is illegal right ???
My business has been affected as I was declined loans due to this default . My Mortgage and other things have also been affected .
I have open a case with the FSA but I was told this would take 4-6 months - meanwhile my credit rating is affected , my business is suffering as Covid has affected it and I can not do anything about it.
I have done soo much research on Vanquish and Arrow Global and found I am not the only one who has gone through this .
I need legal advice as I want to take them to court - I have documentation of sums of defaults they gave me , letters of me calling in to complain about my default a calculations of my defaults charges changing once I had a default -
paperwork of all the other Default notice from Llyods abd Capital one -
I did not get a default notice from Vanquis or from ARROW GLOBAL
BUT GOT A DEFAULT FROM BOTH ON THE SANE LOAN
DOes anyone know of a law firm that can take my Cade on a NO WIN NO FEES CASE - as I do not have the financial means to go after these 2 companies .
I have paper work to back my stories but no financial means.
please help me as I am drowning from this case .
regards
Edith
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