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Overdale solicitors
Debphil
Posts: 4 Newbie
Hi. Newbie here. Got a claim letter from court. 2 debts. 1st a doorstep loan 2nd EE phone contract. Overdale solicitors taking me to court. I have returned letter to court to request the extra 14 days to defend. Sent a cca letter to overdales . Had a reply saying. The EE contract is not covered by cca 1974 so they do not need to produce am agreement and they have requested documents for the doorstep loan,will be in touch when they receive it. I really am not able to pay it all but don't want a ccj. Can i request a discounted settlement? If so what sort of discount is reasonable to ask for? Sorry,really struggling with this. Any help greatfully recieved.
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Comments
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Did you not receive an LBA (letter before action) prior to the claim pack ?
Because you should have done.
If you want to make a settlement offer I suggest you be quick to avoid this going to a hearing.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter1 -
Hi. Yes I think I did get an LBA. Suppose I hoped it would go away. Ok I will contact them.by email to see if I can agree a discounted settlement. Thanks0
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Hi.sourcrates said:Did you not receive an LBA (letter before action) prior to the claim pack ?
Because you should have done.
If you want to make a settlement offer I suggest you be quick to avoid this going to a hearing.
I think I did receive an LBA a while ago. I suppose I hoped it would go away.
I will email them tomorrow to see if they will agree a discounted settlement.
Thank you0
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