sent prove it letter to vanquis. had a letter today saying they have sold the debt

kyle_amigo

I wrote a prove it letter to vanquish bank on the 14th December I have today received a letter saying they have sold the debt to Lowell and I should contact them. can they do this as the account is being disputed?

kyle_amigo

made a letter to send them could someone advise if this is the right thing to send:

I write in response to your letter dated 27th December 2013. You state that you have sold the debt that you allege I owe to Lowell. I enclose a copy of a letter I sent to you on 14th December by recorded delivery. This letter states that I do not have any knowledge of any debt owed to you. You have not provided any evidence as to my liability and in continuing collection activity you are not operating within OFT guidelines.





I await your response with your intended resolution to the above otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.




Furthermore after recently obtaining a copy of my credit file. I was concerned to note that your company has placed a "Default" notice against this account.





Further to this I have no recollection of ever receiving such a notice, and I therefore require you to substantiate this data at your earliest convenience.





1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit). Your obligation also extends to providing a statement of account. I enclose a £1 postal order in payment of the statutory fee.





2. You must supply me with a signed true and certified copy of the original default notice





3. Any deed of assignment if the debt was sold on





I would request that this data is provided to myself within the next 28 days, if you are unable to provide this data then I must insist that it is removed from my files as unsubstantiated.

I look forward to your reply.

happy_bunny_2

You could send that, but Vanquis will likely just reply saying contact Lowell.

You could also send similar to Lowell and hope they return it to Vanquis.

I would just send the prove it letter to Lowell in the first instance, once they contact you.

What's the history if the account? Defaulted? Why do you not want it to be sold?

kyle_amigo

happy_bunny wrote: »

You could send that, but Vanquis will likely just reply saying contact Lowell.

You could also send similar to Lowell and hope they return it to Vanquis.

I would just send the prove it letter to Lowell in the first instance, once they contact you.

What's the history if the account? Defaulted? Why do you not want it to be sold?

its not that I dont want it to be sold its that vanquis have raised a default which they never informed me of. If it goes to lowell I still have to despute the default with lowell dont I?

fermi

Is that the only grounds of the dispute?

There is nothing in law or guidelines that prevents a disputed debt being sold.

happy_bunny_2

Dispute with Lowell, it's their job to sort it if they own the account. Refer to FOS if fobbed off.

You could SAR Vanquis, might come in useful