Lowells / Overdales - Payment Plan / Paid Money - Have I Made A Mistake?

[abjb]

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 

[fkofilee]

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.

[dx100uk]

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

 

 

[abjb]

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

 

[fkofilee]

Dont worry - You fell for the smoke and mirrors of Debt Collectors... 

It happens to us all -  

[London1971]

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.

[abjb]

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

[London1971]

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

[dx100uk]

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

[abjb]

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

[dx100uk]

hit letter of claim

follow post 2

dx

[abjb]

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

 

[dx100uk]

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

 

[abjb]

I have done a separate letter and form for each of the 3 debts and kind of ignored the Vodafone one for now 

 

Thanks 

[dx100uk]

nope

does their PAPLOC state all 3 debts?

dx

 

[abjb]

Sorry, I got confused 

Yes, it states all three

 

Thanks, 

[dx100uk]

one reply only 

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

dx