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Lowell/Overdales letter of claim now claimform - 2 CAT debts JDW + Studio ***Settled at Mediation ADR***


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Hi I’m new here and looking for some advice.

 

I have received today a letter from Overdales Solicitors. It is a notice of acting letter and the debt has been passed on from Lowell and they’re looking to recover the money. 


The amount they are recovering is for two debts. One is for JD Williams and the other is Studio. 
 

I would like some advice on what to do next, do I ignore as I have been doing to Lowell or is there a letter I can send to them? 

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  • dx100uk changed the title to Lowell/Overdales Notice of Acting - 2 CAT debts JDW + Studio

tell us about the debts please

 

when did you take them out

have you moved since

last payment/use date of each.

 

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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Good

 

Sit on your hands...await until/unless you get a letter of claim with a reply pack.

If you do popback here

 

Dx

  • Thanks 1

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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  • 2 weeks later...

Click letter of claim

follow post 2

  • Thanks 1

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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Thankyou DX. Just to clarify I don’t complete the form they have sent I print out the one on the thread and send along with the CCA request
 

If I decide to pay the debt do I still send the CCA request, I would need to pay in instalments if I did. I just want them off my back to be honest. 

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Yes..read it again

No dont give in ro fleecers

  • Thanks 1

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...

I sent the above to Overdales and they have got back to me with a list of transactions from the JD Williams cat account.

 

They have also sent me a letter with confirmation of when the accounts were opened and the last payments on these and the date of default.

 

They have stated no further action will be taken at the moment as they are waiting on documentation In relation to the consumer credit act.

 

Other than this they have been able to provide all the requested documents 😕

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Yours is not the next move

 

Dx

  • Thanks 1

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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  • 3 months later...

I have received a response from Overdales. They have sent me a copy of a credit agreement for the jd Williams account they were chasing me for, but they were unable to obtain a copy of the default notice.  They have received confit of the date it was sent 08/2020

 

They were unable to provide the information I requested for the Studio account and have returned this back to the client. 
 

They now want me to contact them with my intentions for the outstanding balance £1200 on the jd Williams account. Otherwise they will begin county court claim against me. 
 

I have not contacted them yet. 

I forgot to add on the copy of the credit agreement they have sent me, my signature is not on the credit agreement 

overdales.pdf

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but without a DN , they aint winning no court case.

 

and read the letter carefully...it does not say WILL anything.

 

 

  • Thanks 1

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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Share on other sites

3 single pages merged to your last post

you said they sent a CCA return?

where is that.

use PDFMERGER website

put everything in ONE MULTIPAGE PDF

else we'll be here all night downloading single pages.

 

what you have uploaded to date is bogroll, useless to them.

 

dx

 

  • Thanks 1

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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Share on other sites

The CCA they sent me doesn’t have my signature at the end of it. The box is blank. There is a signature on behalf of JDW but not mine. 
 

Thankyou for your help with the pdf files. 
 

Other than the unsigned by me Paperwork, the rest of it is just copies pages of statements from JDW

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well we still need to see it 

it might have been online so no sign sig required just tickbox and printed name/IP ??

  • Like 1

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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Share on other sites

  • 1 month later...

hit letter of claim

follow post 2

 

dx

 

  • Thanks 1

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...
  • dx100uk changed the title to Lowell/Overdales Notice of Acting now letter of claim - 2 CAT debts JDW + Studio

The same as you put before.

But we've not seen what they sent back last one.

 

We need to see it all in one mass pdf.

 

Dx

  • Like 1
  • Thanks 1

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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so how many PAPLOC's have you now had on this debt to date since you came here in Feb?

 

dx

  • Like 1

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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