Ok thanks.

At the moment it’s just in paper format, as I have previously tried with the phone scanning process with other documents for fear I inadvertently uploaded something I shouldn’t.

Thanks for the reply. I know you are the ones to look at it, the point is all I have to work with is my phone and I’m struggling to work with an app and get it all done and that’s why I was asking was there another way around it. Thank you, it’s not that I didn’t want to upload.

I suppose I need to know that the CCA I received from Overdales is compliant, so what should I look for? I am thinking that as they have also provided the statement of transactions and a copy of the OC’s DN then possibly things r in order. Secondly, if they have not provided every form on your paploc checklist, then should I request everything including what I’ve already received? Thanks

Hello, so I have read the upload instructions, I only have my phone and I’ve downloaded a couple of apps but I’m struggling. Is there any information / advice you can give me to check my documents? Thanks again.

Thanks for the replies. So I requested the copy from Overdales about 4 months ago. When they sent it to me several weeks later, they included a copy of all transactions made and a copy of the Default Notice sent by PayPal a few years ago.

Thanks for the reply ……. so having looked at the link provided, do I still request all of this information even though I have received most of it? Thanks again.

Hello, I have received a Letter Before Claim from Overdales Solicitors / Lowell regarding a PayPal debt. I have previously requested a copy of the CCA and received a bundle of documents. I realise that I need to complete the forms, but I’m wondering how likely is the monthly offer of payment to be accepted or may they still choose the court route? Many Thanks

Yes I have been there a long time ago and I have paid off debts from years ago, this is something from less than 4 years ago which I couldn’t pay when I lost my employment.

Yes, it’s just with them being solicitors I thought it would go to court?

Yeah I imagined it would be enforceable but wondered if they actually had it. When this all started I did pay Santander a nominal payment for a few months but the amounts were sent back to my account and I have this on a letter from my building society. They just would not engage in to any kind of negotiation and I have copies of letters I sent about the returned payments but they outsourced the collection. How would you suggest I proceed now at this point please. For information I have been made redundant during Covid about 6 weeks ago so if I was to offer anything it’s going to be something like £1. I also need to reduce my payments to the existing creditors due to the redundancy but that’s another natter I guess. Thanks for this.

Hi, it was 3.5 years ago and stopped as I dropped out of work. I managed to do pro rata payments with other creditors except these. It was done online and forms sent in the post. Owing approx £4000.

Their stated client is Santander and they go on to say that they have been instructed by their client to recover the outstanding amount or to take appropriate action. In their recent reply referring me to their customer portal, they also included an income expenditure form for completion.

This is a Santander loan, non payment has been just over 2 years now as I was unable to reach a payment agreement with them, they kept refusing my offered amount. It has been passed elsewhere meanwhile for collection and now it has landed with DrydenFairfax. Thanks

Thanks for this.