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Debt and debt collection advice please!


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  • 1 month later...

Yesterday I received a pack from overdales containing default notices and statements of accounts for both capital one accounts. They sent the agreements ages ago, as uploaded in earlier comments. The letter states that they will go for a ccj if I don’t set up a repayment plan.
 

What is my next move? Have they complied with everything, and if they have does that mean they will win at court?


I’ve been reading and was wondering if I should put in an irl claim. I know this would need to go to capital one, and I don’t know if it would make any difference to anything.

 

I really appreciate any help or advice

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is this entitled letter of claim with an I&E reply pack?

 

 

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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No, it’s just their second response to my response to their pap letter. So it’s complicated, but they sent me pap months ago for 3 combined debts, i responded to Lowell and solicitor as recommended.
 

Solicitor sent me the agreements of two capital one accounts and said they couldn’t locate any documents for the third so said they would write it off. 

 

Lowell sent me account details for an old statute barred vanquis account. 
 

A couple of months later overdales sent me another pap letter for the same 3 initial accounts. I checked here and responded the same way as the first time. I’ve had no response at all from Lowell, and yesterday I got the statements and default notices from overdales. The front page now only states the two capital one accounts, and says that they will now proceed with court action. 
 

So I’ve still got no response from Lowell, just from overdales, but altogether I have account agreements, statements and default notices. 
 

so I was wondering what I should do now, and if I should consider irl claim? 

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bet it doesnt say WILL

read it properly

 

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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can you scan up the default notices

leave all dates and figure s

just remove your details and the card/ref numbers 

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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