Received a claim form

Samsung_Note2

Id have thought the collector of the debt would have to prove beyond doubt the value they are claiming is indeed the correct amount.

After all Virgin and British gas along with EDFenergy have pumped out invoices that are complete fiction,whose to say this firm hasnt.

Sounds like the OP poster just wants clarfication the debt is a true value.


OP you"ll get used to being abused and insulted here...seems some of the longest serving members seem to think they can judge lesser mortals with lower post quantity.:beer:

meer53

2014 wasn't that long ago. I find it hard to believe that you didn't have any letters from Vanquis at the time with the amount you owed them on ? They would have contacted you several times before defaulting the debt, don't you have any correspondence at all ? Seems strange.

Thrugelmir

supermiff wrote: »

This was probably due to voting and adding myself to the electoral register recently.

Correct. Data is shared using GAIN ( Gone Away Information Network). As soon as an individual surfaces again notification is made. Enabling a DCA to pursue the debt owed.

You could always check your own credit record as. As the debt owed will be shown with history being retained for 6 years. .

sourcrates

Hi,

Just to eliminate any doubt here, a deed of assignment is a document put before a court containing details of assigned accounts, of which your specific case is one of many.

You are not entitled to see a copy of this document as not all the information contained within it, relates to you.

You are entitled to see proof of the debt, statements of account, and the notice of assignment.

I would advise against paying any debt unless proof of liability is provided when asked for, from what I can see, that's all the OP is doing.

I think a little less judgement and a little more advice would be appropriate.

Pop over to Legal Beagles they will help you formulate a defence :

http://legalbeagles.info/library/guides_and_letters/court/

PixelPound

supermiff wrote: »

Yes very dissaponted. The documetation they sent me shows only that there is a lesser debt with Vanquis. My concern was that there was no documentation showing that vanquis ever handed this debt over to this company which was not supplied when asked. As mentioned in my first post I was going off the advice of others and never said that I did not intend to pay, only that I was looking for advice since the advice I had received was conflicitng. If taking Lowell's word for it and trying to set up a payment with them inclding the extra charges is the groups advice then I appreciate it however, I feel no need for personal insults and claiming that I am intentionally attempting to "weasel" out of a debt. I dont think I have ever been so incredibly insulted.

They buy folios worth of debt rather than individual debts, that they have supplied some documentation (maybe statements?) that they would have had to get from Vanquis should show the debt has been sold on - or do you think Vanquis hand over documentation to any company?
As to advice, it depends on what stage you are at - have you received a claims form from court or just the letter from Lowell Solicitors. What does it say? As someone else pointed out it could be a Letter Before Action in which costs and fees are highlighted but not yet added (that would be once the claims form has been issued). Have you clarified what the current balance is with Lowell? Have you queried why the balance owed is different to what the documentation from Vanquis states? It could be recovery costs that Vanquis have incurred from using other DCA.

MEM62

supermiff wrote: »

I am not saying that I do not owe any money what I am asking for is documentation that this debt is in fact from Vanquis and that any ammounts are correct and lawfull.

If all you are missing is the notice of assignment I would imagine that your case for fighting this is probably weak. Of course, it is your right to have this properly tested in Law. You can do that by going to Court and presenting your case. The judge will then determine the merits of your argument and rule accordingly.