All 4, they have combined the 4 into one letter lump sum amount which is why I posted the 4 that it relates too.

Capital 1 - £474 Capital 1 - £1006 Vodafone - £476 118 money loan - £2089 The 118 money appears on my credit file twice being owned by both lowell and Madison CF I have previously contacted both asking who owns the debt and they passed me back to the other (surprisingly) Thanks

Morning, 06/12 i received a second letter "Letter of claim - 30 days to prevent legal action" Due to my postie not visiting on a regular basis I only received the letter today. Do I continue to ignore it ? 3 of the debts they are chasing are due to drop of my credit file in 2024 I have been reading previous threads on overdales and have seen that they do follow up with the ccjs Am I best getting 1 step ahead and asking them for the proof of debt - original credit agreements or wait out the 30 days and see what happens? I have a balance of £4046.25 so I can imagine they will pursue with this Thanks ,

I have learnt my lesson! Next time I will come here before panicking and setting up payment plans! All have been cancelled and I am now saving myself £180 a month Just one last question then I will let you continue to help people who actually need it. What do I do about this letter ? Do I ignore until I receive something official from the courts ? overdales notice acting for lowells on +£4k of debts.pdf

If I cancel the payments will they not then be able to apply for a CCJ? That is what the letter from Overdales Solicitors says regarding my 4 lowell debts with them

Hello, Yesterday I got a wakeup call and I need help regarding the debts I have with the above 3 agencies. Yesterday a bailiff paid me a visit, he was acting on behalf of Cabot for 2 debts I have with them £220 (HSBC account opened on 06/04/17 defaulted on 30/11/18) £115 ( first direct, unsure of account open and default date) I wasn't home so he left a card, I got it, immediately opened the app and set up repayment plans. This then forced me to set up repayment plans for the others Lowell passed over 4 of my debts to their solicitors - Overdales Total £4046.25 £2089 (118 money start 25/03/17, defaulted on 25/04/18) £474 (Capital 1 start 05/06/17 defaulted 13/05/18) £1006.78 (Capital 1 start 26/07/16 defaulted 13/05/2018) £476.47 (Vodafone start 14/04/18 default 01/12/19) Then I have two seperate accounts with lowell £228.74 (Vodafone start 27/02/19 defaulted 01/06/21) £678.08 (JD Williams unsure of open date and default date) I have set up to pay overdales £100 pm, lowell £40 split across the two & Cabot £40 across the two. I have tried to read different topics regarding the 6 year drop off, lowell not being to enforce certain debts without proof, mobile companies having certain rules regarding debts they pass on but if I'm being honest I can't seem to piece it all together. I do not plan on getting a mortgage or car or any big loans anytime soon which is why I opted on smaller repayment amounts. Is it worth me contacting the 3 and asking for discount on the debts? Any help would be appreciated I've no idea what I am doing and I have buried my head in the sand up until this point. Thank you