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Cap1 cards - Lowell & Overdales Sols.....yawn...


Bazooka Boo
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No I hadn't moved then.

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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well if you wont get mail promptly it might be an idea to simply inform them.

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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...

Received a second silly letter from Overdales sols, exactly the same as the first ''Letter of claim blah blah blah yawn yawn yawn....''

 

And seeing as I'm still waiting for them to respond to my CCA request, I'll simply ignore them, or I might respond by returning their dumb forms back on the 28th day of their arbitrary 30 day self imposed time limit. 

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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Yes you should

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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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  • 4 weeks later...

Well I'll be damned, Overdales are the old Lucas Credit Services!!

 

Anyhow, I've pinged them an email asking them to respond to my first response back in June to supply me with the CCA etc etc etc, even set up a new email address for them too.

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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Quote

Well I'll be damned, Overdales are the old Lucas Credit Services!!

 

 

Old news Bazooka :-)

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So it seems, been a little behind the curve of late, every day's a school day as they say....

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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  • 2 weeks later...

Received a further TWO letters of claim yesterday from overdales computer, even calling them hasn't produced the CCA I requested in June, oh well I shall look forward to next months LOC.

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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they are hoping you have moved..

 

reply as post 2 of letter of claim, also with a further CCA request.

reason from thread... despite repeated request the claimant has faile to produced any enforceable paperwork

 

dx

 

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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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Yes good call, as I have mislaid the proof of posting receipt for the last CCA request.

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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At long last they finally responded, albeit via email...I know I know, I have specifically set up an email account for this very purpose.

 

Quote

Thank you for your recent emails.

 

We can confirm we did not receive any correspondence from yourself on 30 June 2021.

 

We are currently managing an account on behalf of our Client, Lowell Portfolio I Ltd under the reference ###/#####. The details of which are below.

 

Lowell Reference: #####– Original Creditor: Capital One – Original Creditor Reference:

###### – Current Balance: £###.##

 

We can confirm the account was taken out on 3 October 2013. This account then defaulted on 3 July 2014.

 

We note you have previously said you don’t owe this debt, please provide further information and evidence in order for us to investigate this matter further.

 

You may wish to seek advice from a Legally Trained Professional.

 

Kindly note that we are able to accept an affordable payment offer and we now require you to contact us with your intentions towards the above account. Please be advised that no further action will be taken for the next 30 days.

 

Please respond by return. If you do not contact us to agree a resolution to this matter or set up a payment plan by return, we may request that the Court issue a County Court Claim to you. This would add fees and costs to your debt therefore increasing the amount you owe.

 

If you are unsure about your financial circumstances, you can register an account with us online at www.overdales.com and utilise our handy Budget Calculator and set an arrangement if you wish.

 

Alternatively, if you are experiencing financial difficulties, you may wish to seek free and impartial advice from StepChange Debt Charity on 0800 138 1111 or visit www.stepchange.org.uk

 

If you wish to speak with a member of our team, please call us between 8:30am and 7:00pm Monday to Thursday, 08:30am – 6:00pm Friday or 9:00am and 1:00pm Saturday, on the number provided below.

 

Postal Address: PO Box 1399, Bradford, BD5 5GA

Telephone: 0333 111 0790

Email: [email protected]

 

Yours sincerely,

 

So I've simply sent them an email back advising them that they wouldn't have received it on the 30th as 2nd class post isn't that quick plus that was the day I sent it, and should they advise their client to litigate then it will be robustly defended as they have failed to provide the documents requested.

 

I might even throw in a ''valid even if not read by you'' quote....:ranger:

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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  • 2 weeks later...

Does anyone know if these lot are litigious or are they simply willy waving?

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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yes but rarely win if defended properly

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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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Fired off a second CCA request today mainly due to me mislaying the PofP from the June CCA request, I expect them to come back with the relevant documents which I shall cross reference with the ones I have already.

 

It isn't going to break the bank, but it would make a dent just before Christmas, and I would loathe to fund Lowlifes.

 

Lets see what they come back with.

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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