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By optikal101 · Posted
Hi guys, I need a little help here. I submitted my defence on MCOL on the 02/05 and it is showing as received on 03/05. Today I received the attached letter from Overdales and a few things are alarming. First of all, all of the information on the letter is totally wrong! The previous bills and evidence they have sent me is for an account with statement dates of 2018 and defaulting in 2019. The last payment showed doesn't match up and the mobile number is different from everything they have provided previously too! Nothing other than their reference number and the cost of their claim matches anything at all that they have previously sent me! Secondly, it says that there would be statements enclosed with the letter but there was absolutely nothing other than this double sided letter. In fact, an account containing these provided details would be statute barred I think? Any ideas on what I should do with it? IMG_20220520_174156.pdf IMG_20220520_174206.pdf -
No I appreciate it. I never received a Default Notice not that I'm aware of. Which lead me down the path of obtaining ones credit reports. I approached the main ones like Equifax, Experian and TransUnion.. No record of vanquis or Arrow/NCO. And I've recently obtained up to date ones too and there is no trace. Is it not possible the that OC sold the debt and just passed the file onto NCO/Arrow for them to add a default later? The reason I ask is because NCO have recently just said, they've added the default to my file. I don't see how this is possible if it didn't exist in the first place. It is my understanding that if a debt is sold to a DCA, then a default should be registered prior to that debt being sold and as you stated, by the OC (original creditor). Speaking of sold.. Arrow/NCO lay claim that the debt was never bought or sold to them. However, this is not true. I spoke to vanquis on the phone and they said the debt was sold to them. Now, if you take a look at the "freeman twaddle" in my bundle PDF, page 8 is the response from NCO and take a look in the middle about the deed of novation, they state that the DOV is not relevant in this case, because the debt wasn't purchased. However, it was! -
I will try to deal with it through Amazon for now. I didn't even think at the time to get a prepaid label, only afterwards I realised I could have done this, that's the reason for considering the cost. -
By Badtimes123 · Posted
Yes I read the whole thread, which is why I said this should be good for you! I don't know everything, just trying to help and I'm sure others will correct any glaring mistakes in my comments -
Zoomed inCCA signature at bottom.pdf
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