Kenny91's Debt Diary

[The Tech Clerk]

Contact Colin G Quinn

Definitely have a chat to him

[Roger]

Hi all,

Not a great start to the month with a Letter of Claim issued by Overdales for the Lowell debt.

What would be the best course of action with regards to the reply, assume tick Box D on the LBC reply form?

Would now be a good time to send a SAR to Stepchange who handled the debt for many years and/or send a SAR to Capital 1 and/or SAR to Lowell?

Any advice appreciated.

K91

Edited original post to reflect letter's correct term.

Contact Colin G Quinn

[Kenny91]

Hi all,

Not a great start to the month with a Letter of Claim issued by Overdales for the Lowell debt.

What would be the best course of action with regards to the reply, assume tick Box D on the LBC reply form?

Would now be a good time to send a SAR to Stepchange who handled the debt for many years and/or send a SAR to Capital 1 and/or SAR to Lowell?

Any advice appreciated.

K91

Edited original post to reflect letter's correct term.

[Still Waving]

Hi

Wait and see what comes next and then report here.


Edit: 29 July 2022 - Lowell has passed debt to Overdales Solicitors (their in-house legals I think) and listed about £300 of legal fees/costs should a CCJ be applied for.

They omitted to say - and if they actually win the case.

[Kenny91]

Hi all,

Debt No. 6 of just under £1,000 has now been passed by Lowell to Overdales Solicitors who I believe are their in-house legal bods.

Has anyone any experience of them? Have had a quick look on the boards, but not mentioned much (perhaps been rebranded recently?)

Niddy deemed this debt enforceable and as I previously had discounts of 40% offered by Lowell, am wondering if I should have taken them up on that...

Would be interested to know:

A: Now debt is with their legal team how long before a LBC might arrive?
B: Will any discounts likely be available before/after said LBC is issued?
C: Should one send a SAR request to Lowell and/or Capital One at this stage?

I don't plan on making any contact with them, they don't seem to have my new home or mobile number, but as going through mortgage process right now, can't afford to have any payments to debt collectors on my bank statement, eg: If I could delay payment by 3-4 months until house purchase is finalised, that would be ideal - even if I have to cough up the full amount ffs.

Thanks,

K91

[Kenny91]

Is this Debt No.7?

I ask because you haven't specified, and there is no mention of Idem in its history.

Yes, it is. Have edited post for clarification. Thx

[Still Waving]

Is this Debt No.7?

I ask because you haven't specified, and there is no mention of Idem in its history.

[Kenny91]

Hi all,

Another four months has whizzed by, had very little correspondence from anyone until a few days ago when Idem announced they had sold the debt to Hoist. Diary synopsis updated accordingly.

Have no intention of contacting the new owner, all mail will simply be filed away - or maybe burned to heat the house this winter given the energy price spike!

Google search tells me Hoist are set to be purchased by Lowell, so let's see how that plays out.

K91

[Kenny91]

Hi all,

Well, it's been a year already and this journey has been far smoother than I could have ever wished - although I'm sure they'll be plenty of bumps in the road ahead.

I've had no legal threats, nasty letters or phone calls (recently changed number anyway), but am not letting my guard down as still 5+ years to go to reach SB.

When I first stopped payments, my intention was to use UE for better F&F settlements, but now I'm fully prepared to go the distance to SB wherever possible.

Thanks to some great results at the FOS in recent months about more recent lending, my credit report is a LOT healthier and I can actually see the day when I finally take out a mortgage and give my family greater security in these difficult times.

With that - and some hefty, unexpected medical bills - in mind, I recently applied for a 0% BT credit card and have been given one with a ridiculous credit limit that I'm never going to utilise and am going to reduce ASAP.

As this will soon be appearing on my report, I'm wondering if it might encourage some of creditors in my diary to move things up notch? Is it the kind of thing they hunt for?

I don't wish to draw attention to myself but need to ditch the high-cost cards like Vanquis (FOS complaint pending against them) and get the credit score as high as possible prior to mortgage application in the next 6-18 months. As such, it's a risk I'm willing to take.

I'll update my diary entries in due course, but nothing much to add apart from one that was passed to someone to manage and then quickly returned to the original creditor when I ignored all correspondence.

One of them even sent me a cheque for a small amount recently due to some historic review of poor customer service, I'd have thought they'd have simply knocked it off the debt, but there you go.

Finally, I've been popping onto the site every couple of days to see how everyone is doing with their diaries and it's been absolutely great to read all the positive outcomes.

This site and its many contributors are invaluable and I'll be forever grateful for everyone's input and knowledge. Keep it up!

K91

[nightwatch]

Hi thanks for the update.
glad it has been relativly peaceful for you.

Make sure the paperwook IS in order before you take up any discounts for F+F, seems is not good enough for 50%,

I have one that is now SB and UE, yes they still write to me, they still offer to help they even offered me a 95% discount, subject to me contacting them to discuss my financial predicament.
sadly, for them I did not take up the offer.

[Kenny91]

Hi all,

Another month has passed without much hassle, been a while since coming off the DMP and stopping all payments and been far quieter than expected.

What I've found surprising is the firms handling the smallest debts are by far the most vocal/active on the postal front, but I've batted them away.

Am not going to name names, but a couple of the mid-sized debts have been passed to other firms to manage on behalf of the original creditors.

A quick Google search tells me one of them appears to offer decent discounts (+50%) so I may go down that route should an attractive number emerge as their paperwork appears in (relative) order.

Happy weekend.

[Kenny91]

Brief update, came back from a holiday last week expecting a shedload of correspondence from angry creditors, but had absolutely nothing bar a missed call card from Resolvecall in early September.

Will file it away with the other paperwork and see if they return anytime soon.

Prior to my break, Lowell called a few times but I simply rejected the calls without saying anything.

Let's see what approach they try next.

[Kenny91]

Thanks for the prompt responses, which are duly noted and appreciated. I do have some sympathy with the RC workers, as I used to have to do the occasional "death knock" for a local rag and you never knew if the grieving family members would try and punch your lights out (elderly photographer always stayed in the car with his expensive camera for that reason) or invite you in for a cup of tea for a tribute piece.

In fact, daily court visits for said rag are probably one reason why I'm not in the least bit concerned about a potential court fight (real or virtual).

The local magistrates' court was a fascinating place to while away a couple of hours each day, a lot of mundane stuff (ABH, drink driving, speeding etc), but some right corkers too involving regional characters who had no doubt hoped their offences had slipped under the media's radar.

[Warwick65]

So, seems like it's time to put up the bunting and balloons as Resolvecall are now on the case for one of the larger debts! (Won't say which at this stage).

No communication from them yet, but assuming they do turn up unannounced, which of the following is the best course of action:

1. Don't say a word and just slam the door shut?
2. Tell them to Foxtrot Oscar and then slam the door shut?
3. Tell them to Foxtrot Oscar with cricket bat in hand (as, you know, was playing out back with little one at the time....) and then slam the door shut?
4. Garble at them in a foreign language while telling them to Foxtrot Oscar and then slam the door shut?
5. Set the dog on them? (Though she'd probably lick them, rather than maul them)

But seriously, what's the best approach? I do have a short fuse sometimes so feel not engaging at all (even to confirm name) would work best.

Cheers,

Kenny
PS: I assume they wear audiovisual recording equipment?
PPS: No updates on the other debts really, mail trickling in asking for payment plan details now third party no longer handling my affairs, but no calls as yet.

The one time someone turned up at my door he was just an ordinary bloke who asked me to contact the company concerned - no body cam or anything. Of course if you do reconnect you need to be very careful how you phrase it which I guess is what they are hoping- resetting the limitations clock.

Personally I do not understand how anyone would voluntarily choose to harass people who owe money , but maybe that's because I have a social conscience and care about people.

[Still Waving]

Morning

NW

You REALLY are the Nightwatch.