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Moon phases
Lowell solicitors -Letter of claim
+2
daveiron
Lopsy
6 posters
Page 2 of 2
Page 2 of 2 • 1, 2
Re: Lowell solicitors -Letter of claim
1) To be clear, who did you receive the documents from? Is this from the Original Creditor (who is that?) as part of your SAR?
Or from Lowells in response to the letter you sent them (which was in response to their Letter Before Action)?
2) What is a "notice of default"?
3) And do you mean the last page(s) of bank statements or credit card statements or loan statements?
4) What is the "agreement"? A Credit Card Agreement or Loan Agreement?
Please be as clear as possible w/o mentioning dates, exact sums etc.
Or from Lowells in response to the letter you sent them (which was in response to their Letter Before Action)?
2) What is a "notice of default"?
3) And do you mean the last page(s) of bank statements or credit card statements or loan statements?
4) What is the "agreement"? A Credit Card Agreement or Loan Agreement?
Please be as clear as possible w/o mentioning dates, exact sums etc.
Mrblue2015- Moderator
- Posts : 2470
Join date : 2017-06-11
Re: Lowell solicitors -Letter of claim
Received from Lowell (vanquis) debt
Received letter saying account owned by Lowell ( from vanquis)
Digital signature application details
Notice of default letter and default notice
Also a statement of every transaction (credit card)
Received letter saying account owned by Lowell ( from vanquis)
Digital signature application details
Notice of default letter and default notice
Also a statement of every transaction (credit card)
Lopsy- Not so newb
- Posts : 21
Join date : 2020-03-13
Re: Lowell solicitors -Letter of claim
I am confused. You previously advised that Lowell was acting on behalf of their client, Vanquis (the letter uploaded shows this too). As such, how can Lowell OWN the account? Surely Lowell is a solicitor acting on behalf of Vanquis?
Have you received the results of the SAR to Vanquis?
Have you received the results of the SAR to Vanquis?
Mrblue2015- Moderator
- Posts : 2470
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Re: Lowell solicitors -Letter of claim
The client is Lowell portfolio ltd they purchased from vanquis. Had no reply from sar request to vanquis. Although all the relevant paperwork I asked for (CCA)has been provided by Lowell solicitors.
Lopsy- Not so newb
- Posts : 21
Join date : 2020-03-13
Re: Lowell solicitors -Letter of claim
I would say:
“My standpoint remains unchanged as per my letter to you <date of your last letter> which clearly lists out the legal basis of my dispute ie a request to see various documents and financial instruments which you have clearly not met in their entirety and indeed have either failed to supply as requested and described or failed to even mention. And I am not at liberty to explain exactly why as my last letter was perfectly clear.”
(You do not need to go into details...)
Also add:
“Should you still proceed with a claim without first supplying the evidence in full and as previously requested, I shall simply contact the court and ensure the claim is stayed until you do so.”
“My standpoint remains unchanged as per my letter to you <date of your last letter> which clearly lists out the legal basis of my dispute ie a request to see various documents and financial instruments which you have clearly not met in their entirety and indeed have either failed to supply as requested and described or failed to even mention. And I am not at liberty to explain exactly why as my last letter was perfectly clear.”
(You do not need to go into details...)
Also add:
“Should you still proceed with a claim without first supplying the evidence in full and as previously requested, I shall simply contact the court and ensure the claim is stayed until you do so.”
Last edited by Mrblue2015 on Tue Jun 09, 2020 7:56 am; edited 2 times in total
Mrblue2015- Moderator
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Re: Lowell solicitors -Letter of claim
Also chase Vanquis for the SAR if a month has passed. Has Vanquis not so much as acknowledged your SAR?
Mrblue2015- Moderator
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Re: Lowell solicitors -Letter of claim
Hi thanks but haven't they provided the evidence.?.sorry I'm confused
Lopsy- Not so newb
- Posts : 21
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Re: Lowell solicitors -Letter of claim
Will also send another sat as it hasn't been acknowledged
Lopsy- Not so newb
- Posts : 21
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Re: Lowell solicitors -Letter of claim
Lopsy wrote:Hi thanks but haven't they provided the evidence.?.sorry I'm confused
I would argue not exactly as required, no. And that’s also why I said “ You do not need to go into details” in your next letter to them because it is not for you to, in effect, HELP them understand why...
And I won’t say how they are wrong on this forum because if anyone acting on their behalf - of even they themselves - are trolling this forum, it could supply them further ammunition.
NOTE: I have tweaked the wording to use in my 10:26 post from yesterday.
Last edited by Mrblue2015 on Tue Jun 09, 2020 4:05 pm; edited 1 time in total
Mrblue2015- Moderator
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Re: Lowell solicitors -Letter of claim
Lopsy wrote:Will also send another sat as it hasn't been acknowledged
No need to send another but you can chase it if a month has passed since you issued the first SAR
Mrblue2015- Moderator
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Re: Lowell solicitors -Letter of claim
Will do today thanks
Lopsy- Not so newb
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Re: Lowell solicitors -Letter of claim
You're welcome. If anything, my suggested letter (10:26pm yesterday) will buy you some more time and time it seems you need to buy
Mrblue2015- Moderator
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Re: Lowell solicitors -Letter of claim
Great will see what response I get
Lopsy- Not so newb
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Re: Lowell solicitors -Letter of claim
Had reply today saying the debt is now legally owed. They again sent Notice of Assignment. Agreement. Default notice and statement
Lopsy- Not so newb
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Re: Lowell solicitors -Letter of claim
Have you received the SAR from Vanquis yet?
Mrblue2015- Moderator
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Re: Lowell solicitors -Letter of claim
Hi strangely no. I'm wondering if I sent to correct address. Won't they have the same info Lowell solicitors have as the have provided Lowell with documents
Lopsy- Not so newb
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Re: Lowell solicitors -Letter of claim
Vanquis and Lowells are two different companies and therefore two different addresses...
Mrblue2015- Moderator
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Re: Lowell solicitors -Letter of claim
Yes I understand that, but haven't.Lowell obtained the paperwork from Vanquis..default ... statement etc
Lopsy- Not so newb
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Re: Lowell solicitors -Letter of claim
That’s what Lowell say... A SAR may prove otherwise - which is exactly what you’re trying to find out
Last edited by Mrblue2015 on Mon Nov 16, 2020 2:36 pm; edited 1 time in total
Mrblue2015- Moderator
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Re: Lowell solicitors -Letter of claim
Today I received another letter of claim from Lowell giving 39 days to respond. I never did receive the Sar from Vanquis going to send another today or tomorrow as it has been quiet for a few months it was put to the back of my mind with other stressful life stuff going on. Should I fill the paperwork in that has been sent and dispute?
Lopsy- Not so newb
- Posts : 21
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Re: Lowell solicitors -Letter of claim
To be 100% clear: you have received a letter saying "Letter of Claim" at the top? And you have received the EXACT same "Letter of Claim" from the same 'solicitor' i.e. Lowell?
Sorry to hear you've had a stressful few months. But to have any chance of winning these things, you really have to be organised / put reminders in your phone etc
Don't send another SAR to Vanquis. Send a letter to Vanquis to chase your previous letter (SAR). And refer explicitly to that letter i.e. refer to the date of your last letter. In the meantime, complain to the ICO as the ICO approaching them will speed things up (it did for me).
https://ico.org.uk/make-a-complaint/your-personal-information-concerns/
Sorry to hear you've had a stressful few months. But to have any chance of winning these things, you really have to be organised / put reminders in your phone etc
Don't send another SAR to Vanquis. Send a letter to Vanquis to chase your previous letter (SAR). And refer explicitly to that letter i.e. refer to the date of your last letter. In the meantime, complain to the ICO as the ICO approaching them will speed things up (it did for me).
https://ico.org.uk/make-a-complaint/your-personal-information-concerns/
Mrblue2015- Moderator
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Re: Lowell solicitors -Letter of claim
Yes the same forms etc outgoings deny debt etc. Is this usual for them to send again?
Lopsy- Not so newb
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Re: Lowell solicitors -Letter of claim
Lopsy wrote:Yes the same forms etc outgoings deny debt etc. Is this usual for them to send again?
not usually no, you really need to get the information back from your SAR quickly, what address did you send it to and do you have proof of posting ?
It sounds like lowell may have provided enough docs to commence proceedings but as to the enforceability of the agreement ?
waylander62- dedicated
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Mrblue2015 likes this post
Re: Lowell solicitors -Letter of claim
As per Waylander62, a second letter of claim is unusual (weird I would say...)
And yes you need the SAF ASAP.
Do you know how to PROPERLY respond to a letter of claim?
And yes you need the SAF ASAP.
Do you know how to PROPERLY respond to a letter of claim?
Mrblue2015- Moderator
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