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    • sorry but that letter needs to be much much better. you need to express that it was a stilly youthful mistake trying to be the big man and jumping the turnstile to look big infront of your peers. TfL prosecutors are on the email address on their first letter. get the court form sent back to the court , (but copy it first) stating you plead guilty and wish to attend to address the judge in person face to face to show your genuine remorse for your stupid youthful exuberance.      
    • I thought I should send the begging letter to the prosecutor. Does the hearing means the time I need to send back by? If so, it’s June 5  I plan to send the new begging letter as following, can I ask for some suggestions? Dear Investigator/Prosecutor,  Thank you for your reply. I deeply regret my actions and the inconvenience they have caused.  I’m extremely remorseful for my crime. and regret it everyday. I often ask myself ‘’how can I do that thing just because I felt it is interesting. There are a lot of crimes in the world, but feeling it’s interesting is certainly not a reason to crime. I should not crime with any reason.’’ I think about these things every day, and I understand that I can’t blame anyone but myself.  I thanks to the staff who stopped me, as this is a valuable lesson in my life. I told myself that I should never ever repeat such a thing again, and never ever do anything which is possible to be in breach of any law. As a result, I carefully tap my oyster card every time before I enter the station now. I remind myself that I did a wrong thing before, and I should never let it happen again.  Although my monthly travel expenses do not warrant a season ticket, but I just renew my season ticket (please see the attachment). I understand that a crime cannot be truly compensated for, but purchasing a season ticket offers me a small measure of comfort, knowing that my actions caused a loss to the public interest.  I received an email which ask me to negotiate being class teacher in this summer (please see the attachment). I hope that I could teach the lovely students again, which may not be allowed with a criminal record. I would please ask that you would please provide me a single opportunity to settle all outstanding sums owed outside of court without the need for legal proceedings which would have a determinantal impact on my teaching career.  I sincerely apologise again for my crime. If you need anything further from me to help you please let me know.   Yours sincerely,
    • LoL Dx you crack me up. Thanks for the advice. I'll stay positive.
    • Utter Rubbish!! lowell dont write and beg for deals once they start court. as for your attitude, we'll thats nothing new for you.😎 you wont be quizzed, it's not like TV, simply refer to your defence/WS when answering anything the judge may ever ask. well it involves chickens. dx  
    • Thanks fk, I hope I don't have to face the court. Bless you for the reassurance. 
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Lowells / Overdales - Payment Plan / Paid Money - Have I Made A Mistake?


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Hello,

 

I recently entered into a payment plan with overdales, after reading a few posts on here I now realise it is the wrong thing to do! I have made 1 payment and have a recurring payment plan set up with them. 

 

Originally the debts were with Lowell and then passed onto overdales for further action. 

I owe a total of £4000 across 3 debts 

I have looked at my credit file and have noted that they are recoreded with lowell and due to hit 6 years in April 2024, May 2024 & Dec 2025. It is my understanding that after the 6 years the accounts will move to closed. 

If I decide to not pay overdales can they still chase me for these debts? 

Can they re-register them on my credit file

What steps can I take? I am finally seeing my old defaults reach the 6 year mark and I don't want new ones popping up. 

 

Any and all help is appreciated. 

Thank you 

Jb 

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If youve made a payment and its under 6 years, then you cant plead Statute Barred anymore if under 6 years, 

Essentially restarts the clock. 

 

@dx100uk is pretty good with this stuff. Plus if you are in England / Wales. Accounts are not closed after 6 years, they just disappear from your Credit File.

The debt isnt ever extinguished etc unless the company chasing you write it off in full.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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  • fkofilee changed the title to Lowells / Overdales - Payment Plan / Paid Money - Have I Made A Mistake?

overdales are lowells, same group, but are solicitors, but of course they'll act as a dca too and accept cash cow payments.

stop paying.

sadly you've reset the SB date now unless they were already SB'd and you've got your dates wrong.

a debt is removed from your file on the defaulted dates 6th b'day regardless to if paid or not or paying or not. never to return.

what are the debts and what was the date of your last use or payment.

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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Thank you for the speedy reply! 

1 - 118 loan I can't recall the last date of use/payment but the default date is set at 25/04/18

2- Vodafone, default date 01/12/19 

3- Capital 1 default 13/05/18 

 

I have logged into my bank and cancelled the payments until I know the best action to take. 

I understand I was a huge idiot to set up payment plans and since reading the posts on here I feel silly for not asking for help sooner. 

Thanks 

Jb

 

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Don't pay them another penny whatever you do, providing that they have your correct address (you have sent it to them in writing) there really is very little they can do aside from send a Claimform, that will be very easy to bat away, because Lowell never have any correct documentation, especially for debts as old as yours.

Those defaults will likely be dropping off your credit file also, so there is even less to worry about.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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Okay thank you, they do have the correct address as they have sent letters regarding the debts so I should receive any and all communication from them. 

If/when I get a claim form do I just come back on here for advice ? 

Thank you :)

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Not good enough sadly, if you have moved since you took the loan out they can still send a Claim Form to your old address, which they will win by default, because you didn't receive the documents necessary to defend it.

If that's the case then you need to just write a simple letter stating your new  address with the account number they have given you and your name. This will protect you from backdoor CCJ 's, which are actually very much Lowell's MO.

Oh and definitely come back to this thread if you receive a claimform

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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well the mobile debt is unenforceable anyway they always are . forget it, there never was a debt in the 1st place.

typically PDL defaults are always reg'd late on credit files so i'd check your filefor last payment dates should be listed there.

as for 118118, did you have lots of defaults and outstanding credit when they loaned to you?

get those letters off to prevent backdoor ccj 's...that's a must.

never moved without telling your debt owners!

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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  • 2 months later...

Happy Monday

I have today received a "Letter of Claim - 30 days to prevent legal action" 

Dated 17 April 2024  I am already 5 days into the 30 days. 

What are my next steps?

I know i cannot just ignore the letter as I have read that they will pursue for a CCJ which I am trying to avoid.

As said above, I should not enter into a repayment plan with them  am unsure as to what to do now. 

I think there was some confusion above, I have never moved.

I have been at the same address for many many years, I have grown roots along with the plants. 

I cannot recall if I had defaults /loans when I got the 118 loan

. This is something I will look into. 

Thank you :)

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hit letter of claim

follow post 2

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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Thank you, I have drafted my letters and started to complete the reply form, printed from this site and not using the one they provided. 

 

2 questions, on the forum link it says to tick box D & I, the reason for box D will be given on my thread, what would my answer be to "I dispute the debt"? 

Do I send anything for the Vodafone debt they have included? 

I've only done 118 loan s. 77 & capital one credit cards so. 78 

 

Thank you :)

 

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there isn't one yet use the default mentioned already there.

that covers all 3 debts as i assume the PAPLOC is for all 3 debts?

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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nope

does their PAPLOC state all 3 debts?

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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one reply only 

follow post 2 of letter of claim <<clickme link.

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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