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


StretfordEnd
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can we see the full return last time please to gauge the cards they hold please

 

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't decide that till we see what cards they hold ...4th time of asking...

 

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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where are the agreement(s) you said they had sent?

that lot means nothing

we need to see ALL the paperwork regarding the 2 cat accounts but not any statements.

 

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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Share on other sites

I have just gone back over the four letters I’ve had since Feb. 


1st letter was to tell me they were now instructed to recover the balance. 


2nd was a letter of claim, that included Particulars of debts - I uploaded that to this thread 

 

3rd letter received in August told me they were unable to obtain a copy of the default notice from JDW, but JDW sent them confirmation it was sent August 2020.  

 

They were unable to give any information from Studio and returned this to the client. They had sent a credit agreement I have added the first and last page to this thread - the signature box on the credit agreement does not have my signature and is blank.

 

The rest of the paperwork in that letter is just a list of orders to JDW.

 

4th letter is the letter of claim for the JDW account - particulars of debt are included and I’ve added to this thread. Other than the reply form they didn’t send anything else. 

Edited by dx100uk
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22 minutes ago, StretfordEnd said:

they had sent a credit agreement I have added the first and last page to this thread

 

we need to see all of this .

 

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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Share on other sites

so there is you typed name in the box at the end 

with a date?

but no IP address listed?

 

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

so reason : the claimant has failed to comply completely with my previous documents request

no need to send a new CCA request and drop that from the list of required docs .

actually doh!

they not sent the other CCA have they

so put in a new CCA request for the missing A/C.

 

sorry

 

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... 

Link to post
Share on other sites

added more above

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

No send a CCA for the missing agreement.

 

As you only sent one CCA before not 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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Share on other sites

thats why you only got one return.

so quote the other account number from their LOC as send a new CCA for that one. as well as the pap form again.

 

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... 

Link to post
Share on other sites

  • 4 weeks later...

Overdales have sent me a letter which says

 

We refer to your recent letter, which we received. We thank you for enclosing your response to the Pre Actuin letter of claim that was issued to you.

 

You have previously been provided with all the requested documentation in our letter to you dated August 2022. Further copies of the credit agreement, statement, and notice of assignment have been enclosed. As per the previously referenced letter we were unable to obtain a copy of the default notice, however we have received confirmation this was sent on 28 August 2020.

 

Should you wish to dispute this matter. You may wish to seek independent legal advice from a solicitor or the citizens advice.

 

Should you wish to set up a payment plan on your account we ask that you respond with an offer of payment, your preferred day of payment and your preferred method.

 

 Please contact us within 30 days with your intentions towards the balance. If you do not contact us to Agee a resolution to this matter or set up a payment plan by return l, we may request that the court issue a County Court Claim to you. This would add fees and costs to the debt therefore increasing the amount that you owe. 
 

What steps do I need to take next? 

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it may rain tomorrow too.

 

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... 

Link to post
Share on other sites

yours is not the next move.

 

if they dont have copies of EACH agreement then it's just willy waving.

 

they will also need copies of both defaults, as proof from some mate that says theres an entry omn some spreadsheet system that one was sent is not good enough.

 

but lowells know all this as you do as you've been reading all the lowell claimform threads here where they've run away or lost because of both issues.

  • 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...
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