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Lowells/Overdales PAPLOC old shop direct Very CAT debt Court Claim Received.


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Hi

 

Apologies if this is in the wrong place.

I am looking for advice. I tried to do this before but have been struggling with everything.

 

I have received a letter from overdates solicitors stating they have now been instructed by Lowell Portfolio to recover an outstanding amount which was owing on a catalogue previously.

 

I have to pay them or they will issue court proceedings. I am not in a position to pay them what can I do?

Thank you

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Looks like Lowell rebranded something. Likely to be Lucas Credit Services maybe with a rebrand? Who knows... 

Interesting. 

Paste up the letter minus personal deets :) 

 

FKO

 

We could do with some help from you.

 

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so this will be your old debt from very catalogue thats now been sold to lowells.

whats the defaulted date ?

when did you last pay very anything?

is the a letter of claim with a reply pack mentioning the pre action protocol?

 

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Safe to ignore unless you have moved since you took this catalogue out and did not inform very in writing

 

Can you answer my other questions please too....

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I haven't moved still at the same address

 

so this will be your old debt from very catalogue thats now been sold to lowells. (Yes)

whats the defaulted date ? ( Dec 2020)

when did you last pay very anything? ( About Nov 2020)

is the a letter of claim with a reply pack mentioning the pre action protocol? ( Sorry I didn't get anything else just the letter and another one with it from Lowells stating the same debt is owed )

 

Thanks really appreciate the help. If I ignore it will they send me to court?

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They must abide by the pre action protocol.

 

Dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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How do  proceed ? Do I need to contact them and ask for any information or just wait till they start court proceedings which I really don't want.

 

Sorry not really understanding all the technical stuff.

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Already said safe to ignore

It is not a letter of claim under the pre action protocol

Click and read.

Youve been here long enough to understand cag is about self help too

 

DX

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks DX really appreciate the help -

 

Can you help me with this please - I dispute this debt because..recommended reason as advised from your thread and add the debt purchaser has yet to provide any or all of the required documentation.

 

thanks

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:frusty:

it is not a letter of claim

you do not need to respond...

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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14 hours ago, dx100uk said:

Safe to ignore unless you have moved since you took this catalogue out and did not inform very in writing

 

Can you answer my other questions please too....

Absolutely not a PAP letter.  My reason for butting in here is that Lowell's MO is to find find people who have not informed them of a change of address, and obtain a default CCJ.  

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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Got to love their desperation, their last paragraph is hilarious, another one of those ''valid even if not read by you'' comments.

 

At the bottom of that page does it tell you that they are a trading name of Lucas Credit Services?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 3 weeks later...

Please don't ignore the letters.

I did this last year( I'd moved address and it had been a couple of years since I'd heard anything) and they took me to court. I now have a a CCJ that prevents me getting any credit elsewhere.

 

Write back saying you are having financial difficulties and can only afford £X each week/ month. They may ask you fill in a financial assessment form but usually are happy to accept an offer and set up a DD.

 

The only way you can avoid this debt is if its been 6 years since any communication from the company/agencies you owe money to.

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Exactly! Sending your address to them in writing is actually quite the opposite of ignoring. After that it is quite safe to ignore their silly begging letters. The time not to ignore is when a letter before action is received.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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5 hours ago, Coco66 said:

Please don't ignore the letters. I did this last year( I'd moved address and it had been a couple of years since I'd heard anything) and they took me to court. I now have a a CCJ that prevents me getting any credit elsewhere.

 

Write back saying you are having financial difficulties and can only afford £X each week/ month. They may ask you fill in a financial assessment form but usually are happy to accept an offer and set up a DD.

 

The only way you can avoid this debt is if its been 6 years since any communication from the company/agencies you owe money to.

 

please create your own topic and we can help you with this. might even be able to get it set aside.

you got a backdoor CCJ because you moved without informing the owners of your debts in writing of your new address.

 

just because you got a CCJ by your own mistake, it is not a good idea to blindly suggest people ever contact a powerless DCA and give them free money.

 

your last comment is also not exactly true, a debt being statute barred is not an excuse to avoid them, you must write informing of your correct address, upto say 7yrs. Them writing to you does not dictate the statute barred date.

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Well I have now received 'Letter of Claim' and have 30 days to respond. I have read and downloaded the PAP form on here.

Please can I have some help with the why 'I dispute this debt because..recommended reason as advised from your thread'

 

Thanks again

 

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  • dx100uk changed the title to Lowells/Overdales PAPLOC - old shop direct Very CAT debt

there isn't one just use the default already there.

don't forget the CCa request.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 month later...

Hi

 

I've sent both PAP and CCA request.

Overdales solicitors have sent me what looks like the original agreement and transactions.

What do I need to do now?

Thanks

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scaneverything upto one multipage PDF

read our upload guide carefully

 

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • Andyorch changed the title to Lowells/Overdales PAPLOC old shop direct Very CAT debt Court Claim Received.

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