Lowell/Overdales PAPLOC now claimform - 4 merged telecom debts ***Claim Discontinued***

[Cagney18]

I’m currently trying to improve my credit rating as looking to get a mortgage but stupidly got into financial difficulty a few years ago and have a few defaults on my credit file, most have been passed onto Lowell.

 

Some are more recent but some I can’t even remember what they are for.

 

If anyone could help with how best to approach these it would be greatly appreciated. 

[dx100uk]

nothing you can do to remove defaults

paying wont help

 

the defaults would have been placed on or before sale by the original creditors

nothing to with lowells.

 

defaults and the whole account vanish on the defaults 6th birthday never to return.

 

dx

 

[Cagney18]

Thanks for the reply! So it’s a case of waiting for them to drop off credit file some defaulted in 2016 so should drop off credit file next year 2022?

 

Does this mean Lowell can still chase for debt indefinitely even if no longer on file?

Edited September 29, 2021 by dx100uk
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[brassnecked]

Once a debt has had nothing paid in for 6 years it becomes Statute barred and if Lowell tried court after that, the Statute Barred letter should see them off, so once off the credit file, if nothing paid or acknowledged, its like the Norwegian blue feet up in its cage.

[dx100uk]

as long as they have your correct and current address

simply ignore everything until/unless you get a letter of claim.

 

 

[Cagney18]

I have just received a letter from Overdales Solicitors on behalf of Lowell for various debts dating back to 2012 -2015 over a period with I was struggling financially.

 

I have just manage  to start to re building my credit file/score after years and do not want anything to jeopardy it as the letter is threatening a CCJ if I do not respond.

 

Any advice would be greatly appreciated. 

Edited September 29, 2021 by dx100uk
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[AndyOrch]

Have they included a Pre Action Protocol pack ?

 

Read here:-

 

 Use our forms not theirs.

 

Andy

[dx100uk]

old and new threads merged for more info..

dx

[Cagney18]

Hi yes they have included a PAP pack.

[AndyOrch]

As above then use our forms not theirs.

[dx100uk]

don't forget for those covered by the consumer credit act , send a CCA request too!

 

dx

[Cagney18]

Great thank you! I will use your form to send the PAP back to them ASAP. Who do I send the CCA request to Overdales? Along with the PAP 

Edited September 29, 2021 by Cagney18

[AndyOrch]

Yes you can normally we would advise Lowell direct but in this instance its one and the same. Put your CCA requests with payment in with response forms. Take copies and keep proof of postage.

[Cagney18]

There are four separate claims/accounts that they have put together so I’m assuming a CCA request for each and a £1 PO for each? 

[dx100uk]

yes as long as they are all covered by the CCA , what type of credit are the debts?

[Cagney18]

2 are mobile phone contracts, 1 is BT and the other SKY. 

[dx100uk]

Phone contracts are not credit

You don't need a CCA.

 

Simply state the Debt owner has failed to supply any required paperwork despite previous request s.

 

I suggest you go read a few mobile telecom threads.

 

I've moved you to the telecom forum

 

 

[Cagney18]

Ok thanks will have a read. I don’t know if I made clear two are mobile contracts but the other 2 are Sky and BT tv/broadband contracts would these be covered by the CCA? 

[dx100uk]

No .

 

These will all go nowhere

 

Being charged for remaining months of a contract as a penalty because you cancelled?? Early is not on and is deemed an unlawful termination .

[Cagney18]

Have been doing lots of reading. Is it worth sending a SAR to the original creditors or is this a waste of time and worth waiting to see if Overdales/Lowell will stump up with the docs? 

[dx100uk]

The latter

 

Dx

[Cagney18]

Hi again,

 

Have received a response from Overdales with the 'notice of assignments' for each debt.  They also state that they have raised a query with Lowell with regards to the other documents I requested. They also say that the account with Sky can be accessed online. So I suppose it's a case of waiting to see what Lowell say?

[dx100uk]

Or pigs might fly...

 

Not your problem. .  To do Lowell's work.   Cheeky buggers!

[Cagney18]

Hi,

 

I have received a reply from Overdales!  They enclose a final BT bill, and a final bill from only one of the Three mobile contracts but 2 sets of statements for both the 3 accounts listing payments etc I'm not sure who these are from Three or Lowell as they are printed on plain paper. They also say to log onto the sky account to view statements.

 

Just wondering where to go from here do I request more info? As they state if I do not respond they my issue a court claim.

 

 

[dx100uk]

Usual rubbish then 

 

Yours is not the next move other than reading the numerous Lowell mobile telecom threads already here 

 

Not a will anywhere just threats.

 

Dx