Sorry, I got confused Yes, it states all three Thanks,

I have done a separate letter and form for each of the 3 debts and kind of ignored the Vodafone one for now Thanks

Thank you, I have drafted my letters and started to complete the reply form, printed from this site and not using the one they provided. 2 questions, on the forum link it says to tick box D & I, the reason for box D will be given on my thread, what would my answer be to "I dispute the debt"? Do I send anything for the Vodafone debt they have included? I've only done 118 loan s. 77 & capital one credit cards so. 78 Thank you

Happy Monday I have today received a "Letter of Claim - 30 days to prevent legal action" Dated 17 April 2024 I am already 5 days into the 30 days. What are my next steps? I know i cannot just ignore the letter as I have read that they will pursue for a CCJ which I am trying to avoid. As said above, I should not enter into a repayment plan with them am unsure as to what to do now. I think there was some confusion above, I have never moved. I have been at the same address for many many years, I have grown roots along with the plants. I cannot recall if I had defaults /loans when I got the 118 loan . This is something I will look into. Thank you

Okay thank you, they do have the correct address as they have sent letters regarding the debts so I should receive any and all communication from them. If/when I get a claim form do I just come back on here for advice ? Thank you

Thank you for the speedy reply! 1 - 118 loan I can't recall the last date of use/payment but the default date is set at 25/04/18 2- Vodafone, default date 01/12/19 3- Capital 1 default 13/05/18 I have logged into my bank and cancelled the payments until I know the best action to take. I understand I was a huge idiot to set up payment plans and since reading the posts on here I feel silly for not asking for help sooner. Thanks Jb

Hello, I recently entered into a payment plan with overdales, after reading a few posts on here I now realise it is the wrong thing to do! I have made 1 payment and have a recurring payment plan set up with them. Originally the debts were with Lowell and then passed onto overdales for further action. I owe a total of £4000 across 3 debts I have looked at my credit file and have noted that they are recoreded with lowell and due to hit 6 years in April 2024, May 2024 & Dec 2025. It is my understanding that after the 6 years the accounts will move to closed. If I decide to not pay overdales can they still chase me for these debts? Can they re-register them on my credit file? What steps can I take? I am finally seeing my old defaults reach the 6 year mark and I don't want new ones popping up. Any and all help is appreciated. Thank you Jb