Overdales Solicitors Help

RobLiverpool78

Hi All

I had a CCJ back in 2017 through Lowell, it went to Overdales solicitors and I agreed to pay £20 Per Month.  I recently moved house and advised them of my change of address however they mentioned I actually have 2 accounts with them, my CCJ and another debt which I was unaware of but is not subject to a CCJ.  It seems that the £20 I have been paying towards my CCJ has been pro-rata applied to the other account they claim I hold with them so it seems they have bought another debt and just started paying it from the £20 I thought was going towards my CCJ.

I complained via email and they claim to have sent me letters, they also claim because I have been "paying" the debt I have been acknowledging it.  

I have tried to complain to Financial Ombudsman but they say they can't help because its a solicitors.

Any thoughts on whether it is possible to hold them to account for this ?  I was under the impression my CCJ would have been paid by now but alas it's nowhere near paid due to them buying another debt.

Thanks all

sourcrates

Yes, not good practice by Lowell/Overdales, send an official written complaint to them.

What was the judgement amount you had to pay on the CCJ debt, more or less than £20?

Either way, you can go back to court and apply to change the payment amount to whatever is affordable to you, so you have the court agree a payment amount, then Lowell cannot split it between accounts.

When they say you have been acknowledging the other debt, that is a meaningless statement from them, it would only affect the limitation period, nothing else, I would CCA that debt and see if they can produce compliant paperwork.