Night Monkey's diary

[Dottir]

Night Monkey

As I am sure you know Overdales are being a tad disingenuous here. They are part of Lowells. Well to be exact the people who own Lowell also own them. They pretend to be a third party but I think we all know they are not.

It used to be Lowell Solicitors but they ceased practicing 31st March 2024

Just for further reference they used to be called Lucas credit services

[Roger]

At this point in time Lowells are up a gum tree aren't they!
The Truth is simple Sold Whilst in Dispute ie HSBC had failure to respond to the S.78 (they received that request and sent back the statutary monies (sic Postal Order) doesn't matter whether the letter was hand written or otherwise it came from HSBC)
The DSAR no CCA
Overdales might not have been sent a Statutary S.78 (because of the missing £1) . At one time we would have sent the Sold Whilst In Dispute to Lowell.
But you have the evidence! Keep this very safe!

[Night Monkey]

The slightest of updates.

All bar the HSBC overdraft have now dropped off my credit file, this being the most recently defaulted in February 2019 so hopefully only three months or so until this one goes too. Annoyingly it appears twice (with differing amounts), last updated by HSBC in April '19 and by Lowell in July '23. I'm not minded to address the double entry given that time should sort it out soon enough, and I don't want to risk restarting the SB clock.

Other than that, all's quiet.

[stuckinarut]

Hopefully the next 3/4 months will fly past, and all dropped off

[Night Monkey]

Hopefully the next 3/4 months will fly past, and all dropped off

That's the next milestone, then all being well a quick sprint to SB in March '26. How time flies .

[Night Monkey]

Happy New Year, everyone.

Nothing bar generic letters and texts recently, although I expect that to change once we get within shouting distance of SB, which is currently a year and a bit away. However, I do have a brief snippet to discuss which I think sheds light on what I would regard as the almost (?) perverse world view of the debt industry.

We have recently been in the fortunate position to be able to finally pay off our mortgage, which is obviously a huge life milestone - we've been paying one for thirty five years after all. All thanks to my wife's pension lump sum, so it's nice to know that there's there's something we did right when it came to money.

As a result I've been watching my credit file with interest, waiting for that debt to be flagged as paid, which it duly was. And what do you know, my credit score took a massive hit with the attendant advice that 'a secured loan positively impacts your credit score'.

Now I don't normally put much stock in the 'score', but I would have though common sense dictates that paying a loan is a positive, who knew it would be a Bad Thing?