DCA at my door - lots of debts i panicked over and went online to setup payment plans - was i silly?

[Pixie012017]

Hello,

Yesterday I got a wakeup call and I need help regarding the debts I have with the above 3 agencies.

Yesterday a bailiff paid me a visit, he was acting on behalf of Cabot for 2 debts I have with them 

£220 (HSBC account opened on 06/04/17 defaulted on 30/11/18) 

£115 ( first direct, unsure of account open and default date) 

I wasn't home so he left a card, I got it, immediately opened the app and set up repayment plans. 

This then forced me to set up repayment plans for the others 

Lowell passed over 4 of my debts to their solicitors - Overdales 

Total £4046.25 

£2089 (118 money start 25/03/17, defaulted on 25/04/18) 

£474 (Capital 1 start 05/06/17 defaulted 13/05/18)

£1006.78 (Capital 1 start 26/07/16 defaulted 13/05/2018) 

£476.47 (Vodafone start 14/04/18 default 01/12/19)

Then I have two seperate accounts with lowell 

£228.74 (Vodafone start 27/02/19 defaulted 01/06/21) 

£678.08 (JD Williams unsure of open date and default date) 

I have set up to pay overdales £100 pm, lowell £40 split across the two & Cabot £40 across the two. 

I have tried to read different topics regarding the 6 year drop off, lowell not being to enforce certain debts without proof, mobile companies having certain rules regarding debts they pass on but if I'm being honest I can't seem to piece it all together.

I do not plan on getting a mortgage or car or any big loans anytime soon which is why I opted on smaller repayment amounts. 

Is it worth me contacting the 3 and asking for discount on the debts? 

Any help would be appreciated

I've no idea what I am doing and

I have buried my head in the sand up until this point. 

Thank you 

 

 

 

 

[dx100uk]

Have they got a ccj then?

Won't be a bailiff if they haven't 

Just a powerless door stepper from resolve call?

Cancel those payments!!

A DCA is not a BAILIFF!!

DX

[Pixie012017]

 If I cancel the payments will they not then be able to apply for a CCJ? 

That is what the letter from Overdales Solicitors says regarding my 4 lowell debts with them 

[dx100uk]

they can try but these appear to be overdrafts on old current accounts?

ask yourself why the bank sold them on to the DCA's for about 10p=£1....and didnt take you to court and crush you?? weird the eh?

stop panicking about a silly doorstepping DCA.

no DCA's are BAILIFFS

and have 

ZERO legal powers on ANY DEBT - no matter what its type.

until or unless you receive any letters of claim

pers id get those payment plans cancelled.

if you set up a DD 

go cancel then NOW on your banks online portal.

if you used a debit card-

go ring your bank and tell them you got scammed and to cancel the continuous payment arrangements too xyz companies

i've moved your thread to the debt self help forum.

100's of like threads here to read.

next time DONT PANICK and do silly things...comeback here and tell us FIRST

And read the letters properly!! Not one of them say WILL anything...just ifs, buts, mights, instructed...every other word but will 

Sorry you fell for the oldest DCA trick of them all .. thinking they are BAILIFFS 

[Pixie012017]

I have learnt my lesson! Next time I will come here before panicking and setting up payment plans! 

All have been cancelled and I am now saving myself £180 a month 

 

Just one last question then I will let you continue to help people who actually need it. 

 

What do I do about this letter ? Do I ignore until I receive something official from the courts ? 

overdales notice acting for lowells on +£4k of debts.pdf

[dx100uk]

nothing.

 

i could instruct my dog to sit.

if it does is a totally different matter.

 

more pointless DCA twaddle that people simply never read properly.

 

dx

 

[Pixie012017]

Morning, 

 

06/12 i received a second letter 

"Letter of claim - 30 days to prevent legal action" 

Due to my postie not visiting on a regular basis I only received the letter today. 

 

Do I continue to ignore it ? 3 of the debts they are chasing are due to drop of my credit file in 2024

I have been reading previous threads on overdales and have seen that they do follow up with the ccjs 

Am I best getting 1 step ahead and asking them for the proof of debt - original credit agreements or wait out the 30 days and see what happens? 

 

I have a balance of £4046.25 so I can imagine they will pursue with this  

 

Thanks ,

 

[dx100uk]

What is the debt type?

 

Dx

[Pixie012017]

Capital 1 - £474

Capital 1 - £1006

Vodafone - £476

118 money loan - £2089 

The 118 money appears on my credit file twice being owned by both lowell and Madison CF 

I have previously contacted both asking who owns the debt and they passed me back to the other (surprisingly) 

 

Thanks 

[dx100uk]

which debt have you got the letter of claim for...

[Pixie012017]

All 4, they have combined the 4 into one letter lump sum amount which is why I posted the 4 that it relates too. 

[dx100uk]

thank you.

 

click letter of claim and follow post 2 there.

you dont need to send a sep CCA request for the telecom debt as that is not covered by the Consumer Credit Act, the rest ARE, so they need a CCA request for EACH ONE.

 

for the additional reason from you thread,...there is not one, use the default already there.

 

you need to complete the LOC/CCA stuff so it arrives close to your 30days limit from their letter of claim.

dont worry if its a day or 2 late

 

[dx100uk]

so what happened?

dx