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lowell/Overdale letter of claim - old Vanquis debt


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Hi,

I have received a letter for overdale solicitor telling me they will take me court after 30 days if I don’t reply for a debt I don’t ever remember having and if it was mine it’ll be back when I was 18 and reckless more then 10 years ago. 
 

do I just ignore or what do I reply? What happens if I ignore and it goes to court? 
many thanks 

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Welcome to the forum .

 

Please read the following link and use our proforma to respond to their letter.

 

Andy

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Whats the debt all about?

Scan the 1st page of the letter of claim up to pdf

Read upload carefully.

 

Have you moved since those times and never updated debt owners?

Have you anything prior? 

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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Posted (edited)

It’s from vanquis which I maybe had when I was 18 which is over 10 years ago, 

 

yes have moved many of times since then and never notified anyone because I don’t recall this ‘debt’ 

 

I checked my credit file and nothing about this I even have a credit card now which I pay and use no hassle, also have other credit things like my phone so I’m unsure how I’d be able to have them if this debt did occur 

 

many thanks 

Edited by dx100uk
unnecessary previous post quote removed
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You must reply

follow post 2 of our letter of claim guide.

 

 

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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Posted (edited)

Reply to pay it or to ask them to send proof? 
this is all really confusing to me and I don’t understand what to do 

Edited by dx100uk
unnecessary previous post quote removed
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:frusty:

 

1 hour ago, Sunshineray said:

follow post 2 of our letter of claim guide.

click it^^^

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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  • dx100uk changed the title to lowell/Overdale letter of claim - old Vanquis debt
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