Overdales won’t negotiate

rich1991

Hi all,

Overdales is my last debt. It’s the most recent debt too and I have been paying them £1 per month for a while as they gave me a CCJ and were sending threatening letters. As I’ve managed to clear all my other debts, I want to clear this one too. I got big discounts on all of the others. Paid about £800 to Lowell to settle a debt that was over £2500, paid £300 to Lantern today to settle a £2200 debt, etc.

Overdales is £750 and it seems like they won’t budge? Can’t understand why they’d prefer £1 per month for 60 years instead of for example £300 to partially satisfy and settle the account today? I’m waiting for a manager to call me back.

fatbelly

Overdales won't own the debt. They act for Lowell.

So you may be best to talk direct to the owner. B they will be reluctant to move on a debt that has a ccj. 

rich1991

fatbelly said:

Overdales won't own the debt. They act for Lowell.

So you may be best to talk direct to the owner. B they will be reluctant to move on a debt that has a ccj. 

Are you sure? Thought it had been sold to Overdales and therefore there’s nothing Lowell can do?

rich1991

Just spoke to Lowell, they can’t do anything as the account is with Overdales.

fatbelly

Overdales are Lowell's tame solicitor.. They take their instructions from Lowell.

rich1991

fatbelly said:

Overdales are Lowell's tame solicitor.. They take their instructions from Lowell.

Lowell said they can’t get the account back. Overdales not budging on the amount. Waiting for a manager from Overdales to call me back but not sure if it will make a difference.

sourcrates

rich1991 said:

fatbelly said:

Overdales are Lowell's tame solicitor.. They take their instructions from Lowell.

Lowell said they can’t get the account back. Overdales not budging on the amount. Waiting for a manager from Overdales to call me back but not sure if it will make a difference.

Lowell spout utter rubbish.

They own your debt, Overdales are a part of Lowell, they can do anything they want, they are just yanking your chain.

Just be firm, it may take some time, they will go through their little charade first, so let them.

rich1991

sourcrates said:

rich1991 said:

fatbelly said:

Overdales are Lowell's tame solicitor.. They take their instructions from Lowell.

Lowell said they can’t get the account back. Overdales not budging on the amount. Waiting for a manager from Overdales to call me back but not sure if it will make a difference.

Lowell spout utter rubbish.

They own your debt, Overdales are a part of Lowell, they can do anything they want, they are just yanking your chain.

Just be firm, it may take some time, they will go through their little charade first, so let them.

How would you go about it though? I called earlier and tried to say "so there's nothing you can do?" - she just said no. Shall I ask to speak to a manager?

Grumpelstiltskin

Do not waste your time and money phoning these people, it is a total waste of time,

If you really want to contact them write by snail mail, otherwise just ignore them, pay them nothing and see what happens.

rich1991

Grumpelstiltskin said:

Do not waste your time and money phoning these people, it is a total waste of time,

If you really want to contact them write by snail mail, otherwise just ignore them, pay them nothing and see what happens.

I just wanted to be able to say that I don’t owe anyone anything though and be debt free. I’ve tackled all of the others. Just wanted to get a discount.

sourcrates

You have to be wary of Overdales as they may instigate legal action if ignored for too long, usually long periods of token payments may induce better offers, but Lowell can be random in who it offers settlements too.