Lowell and Overdales

[Guest]

I understand that Overdales are another arm of Lowell. 

 

They have written to me regarding a debt that Lowell have for me. I have not engaged with Lowell.  Overdales have stated they will on Lowell's request, initiate legal proceedings if I do not reply to them and pay or set up a payment plan.

 

They give no date of how long I have to do this. Do they not usually give you a length of time to reply before doing this?

[overdone2]

As of yesterday, I am now in the same boat as you as Overdales have threatened court action. I need to post my own thread for this but have not worked out how to do this yet.  I shall be following this thread too though.

[Guest]

I think you just need to find the new topic option... the advice for me sounds like it will be the same for you so read away. lol.

[overdone2]

Thanks, I managed to figure it out with your help.

[Guest]

that is different to my letter...mine just says lowell have instructed them to recover the debt and if I dont pay or set up a plan they will request the court to issue a county court claim. But no time limit to when I should contact them. 

[overdone2]

I've probably had that one too.  This is the next letter you can anticipate to get from them.

[Bazooka Boo]

Lowlifes are a litigious bunch, but soon slide back under their rock when they meet even a modicum of resistance.

 

Ignore them until they send you a letter of claim, then pop back here.

 

They even go as far as sending you a fake court document that they have filled in, in a final attempt at intimidating you into coughing up money you don't owe, then the claim is stayed forever and a day until they think they can have another go at it, and the merry go round continues.

[London1971]

When did the debt default? When did you make the last payment on it?, Have you moved address since taking the debt out? How much is it for and who is the original creditor?

 

[Guest]

This is overdales solicitors. The debit is from 2019 and there has been no contact from me, it was passed to lowell and I have not engaged with them. Now they have given it to Overdales Solicitors which is another arm of Lowell. But they give no date to reply by.

 

Edited April 23, 2023 by Ruby_Tuesday

[dx100uk]

what is the debt please?

when did you take it out?

look at your credit file, what is the defaulted date?

have you moved since 2019?

 

dx

 

[London1971]

The most important question here, is Have you moved since taking out the loan? I say this because Lowell love an easy target, and if you haven't kept them updated with your latest address in writing, you are one big bulls eye. Do not be fooled by receiving letters to your current address, you can guarantee that the actual Claimform will go to an old address, and next thing you know there is a CCJ in your name.

 

Lowell's business model is to buy the cheapest, most unenforceable debts, for a few pence in the pound, secure in the knowledge that many of them will be an easy win, to an old address AKA Backdoor CCJ.  The very good news is that for the price of a first class stamp writing to Lowell, you can insulate yourself with a simple statement ' I  insert name, currently live at insert address.

 

Then to double insulate yourself, send Lowell a CCA request, they never come up with the goods. Do not pay them anything or contact them in any way, unless you receive a claimform (highly unlikely if you do the above), then you post on here for advice.

 

I have had 2 CCJ's from Lowell, learnt the hard way, went to an old address, but once I'd taken the advice here that never happened again.

[dx100uk]

 pers i always suggest dont send a cca request until a claimform or letter of claim.. keep your powder dry.....

[Guest]

Thank you dx100uk

[dx100uk]

On 23/04/2023 at 09:14, dx100uk said:

what is the debt please?

when did you take it out?

look at your credit file, what is the defaulted date?

have you moved since 2019?

 

dx

 

 

[Guest]

I haven't moved since 2019. It was a catalogue home shopping debt. I will take a look on my credit file.

[dx100uk]

jdw or shop direct?

 

dx

 

[Guest]

jdw

[dx100uk]

is this your very old one from 2009 or a new cat debt you've taken out since that one

i seem to remember you had 3 back all those years ago but you only remembered one jdw debt?

 

could this be the same debt, does the lowell ref number match?

 

dx

 

[Guest]

it is from a purchase 2019, passed to lowell and now to overdales the solicitors. 

 

I'm just baffled that the letter from a solicitor has not got  reply by a certain date before we may or whatever proceed...

[dx100uk]

so just a threat-o-gram

good

 

await and see if they ever send a letter of claim with a reply pack wanting I&E etc etc

if they do comeback here as you must reply and we have examples

until/if they ever do simply ignore them

 

dx

 

[Guest]

Thank you

[finaldj]

Might be worth looking up my name guys I had dealings with Lowell/Overdales last year

 

 

 

Edited April 28, 2023 by dx100uk
posts moved to existing thread