Re: 3 Letter method not worked.Now County Court Claim.Overdales.

by **Lopsum** Tue Jul 18, 2023 11:33 am

I noticed you were trying to use PNG format,why? that is usually massive compared to a JPG file, except for huge files it is impractical.

by Raymondo1959 Thu Jul 20, 2023 5:22 pm

Apologies.i have been back and forward to hospital the past month.
I have tried uploading letter.Yes they again mention 'may' take county court action.
Regards

by memegirl777 Thu Jul 20, 2023 9:24 pm

Which is good as it would seem you where panicking...
You really need to find a way to upload ..

by flyingfish Fri Jul 21, 2023 9:00 am

Raymondo1959 wrote:Apologies.i have been back and forward to hospital the past month.
I have tried uploading letter.Yes they again mention 'may' take county court action.
Regards

If uploading is such an issue, can you detail ..
* Who it's from exactly
* Date
* Does it quote a court case number (but don't give the number of course)
And transcribe exactly what it says

by waylander62 Fri Jul 21, 2023 11:55 am

you are leaving everyone guessing here as to what is going on ?

you said they were giving 30 days or instructing bailiffs ?

next you said the letter actually says 'may' take you to court - so the bailiffs cant be instructed if that is the case

flying fish has made the suggestion that you type the actual contents of the letter, the important parts at least which is a great idea but you haven't done this ?

you really have to decide whether you want to try and defend this or not as you are really not helping anyone

just my take on the thread as a whole and your actions or inactions to be honest.

sorry but it is frustrating from my point of view as all people are trying to do is offer help and guidance where they can

by **Lopsum** Fri Jul 21, 2023 8:51 pm

ive pmed to change the image to JPG. Seems quite happy to not listen though.
Perhaps this is why the letters "not worked" too?
I dont know why you selected the png format, cameras and phone cameras dont typically use PNG format as default so it is as if you have selected a format that wont work deliberately?

by **Mrblue2015** Fri Jul 21, 2023 9:02 pm

Raymondo: we are happy to help you, but you - and others - must help us to help you…

No one here helps for any reason other than due to the goodness of their respective hearts (and for free / at a cost to their own busy lives, family time and so on).

I do hope people understand, appreciate and respect that.

I am forever indebted (and in the ‘good’ debt way) to the likes of Assassin, DaveIron, Waylander62, LionShare (and Lopsum from a technical pov) for their respective areas of subject matter expertise. Which is why I have also spent much of my time contributing towards this site / the relevant sections. It’s the very least I can do, and I am happy to do!

by Raymondo1959 Sun Jul 23, 2023 6:05 pm

Thankyou MrBlue2015.I completely understand the points you have made.I am working thought how to sned images of documents.I tried scanning documents and now realise they are .png and too large.Have taken images with my mobile which are under 1mb mostly,some 1.2mb.Not sure who or which way be the best to send to though.Am still looking at ways on forum.What is max upload size ? Bear with me as i am working on this today.Thanks again

by memegirl777 Sun Jul 23, 2023 7:29 pm

One way I resize photos is to email them to myself on my phone which gives an easy option to resize ..
Then re save them to your phone gallery
Then they are easier to upload to the page ..
Time is always of the essence in these cases ..
This is what the enemy keep an eye on and so must you ..
5 mins checking the site a day could save you £1000s ..

by **Mrblue2015** Sun Jul 23, 2023 8:36 pm

You’re welcome Raymondo, we appreciate you trying your best to help us to help you, despite whatever difficult circumstances you might be going through right now. The clearer you can be for the likes of Waylander62 and DaveIron, the more chance of success.

by Raymondo1959 Sun Jul 23, 2023 9:57 pm

Thankyou all.
Failure by dca to provide copy of legal deed of assignment (not equitable) after 3 letter process is now pertinent to my assertion that they have no legal ownership of the alleged debt and therefore no right to assume liability from me to any payment.Furthermore as their has stated that they cannot provide a true copy of deed of assignment because of Data protection restrictions does infer a tacit agreement that they have possession of said document and will not provide a copy of the document.Full disclosure is required together with documentation at court.Their response to my request for a copy of legal deed of assignment fails as part of my 3 letter process included the agreement to accept a copy of deed of assignment with redaction of any other parties mentioned.ypur opi ions please are welcome but mentally I have had enough.

by flyingfish Mon Jul 24, 2023 7:06 am

To cut to the chase, they haven't yet raised a court claim, is that correct? Does this latest letter actually need a response from you?

by **Lopsum** Mon Jul 24, 2023 8:40 am

max upload is 10mb so plenty big enough , simplest way is to attach the file , best way is to host the file, all options are available in the reply window.
Sorry if i was a bit accusatory , we have had trolls try to waste peoples time by doing everything wrong in the past! My apologies!

by **daveiron** Mon Jul 24, 2023 9:13 am

Study this,
https://sites.google.com/view/deed-of-assignment-access/home
You may wish to remind them of these additional case laws .& point out that
should they wish to litigate,the court will be informed of their refusal and
non compliance and you will in any event require any such deed be produced
before the court. (along with all else you have requested and they have failed
to provide).

by waylander62 Mon Jul 24, 2023 12:06 pm

i thought you had a letter where they stated there was no deed of assignment ?

not that they wouldn't provide it ? maybe i am wrong on this ?

by Raymondo1959 Mon Jul 24, 2023 8:16 pm

Hello, i have now managed to upload documents relating to Lowells and Overdales for your consideration.Unfortunately as i have had issues uploading onto GOODF i have opened an account with a file sharing service.By clicking on these url's each document can be downloaded.It is free and you should click on slower speed option button.
Can i bring your attention to the letter of response from my 3-letter process and the asterixed answers.In response to my requesting the amount they paid for the account their answer was 'This is confidential information which we cannot share with you'.This as i understand it constitutes a tacit/inferred understanding that they have purchased the account and are NOT acting as collecting agents.My request for a copy of the legal deed of assignment was also refused stating 'it is a confidential document which we cannot share with you.'Despite wording in the 3-letter process which states that a redacted copy which only contains details of said account would be acceptable.
I trust you will find the information you have been asking for and i apologise again for all the delays.I have been on anti-depressants for the past 3 months and i have had enough of all the BS from them.As of today i have had no further communications from Overdales.
Regards and thanks.Peace
URL's for Documents -

https://ufile.io/xif2ooxz
https://ufile.io/el123cho
https://ufile.io/yrka6gll
https://ufile.io/2glvoq49
https://ufile.io/jcxs636p
https://ufile.io/rx212uar
https://ufile.io/8hb4gutk
https://ufile.io/xhq5v6vg

by waylander62 Mon Jul 24, 2023 8:32 pm

that is a bit more helpful, they are claiming things that are not strictly true but hey thats normal for this lot.

now, they could issue a claim any day which can probably be defended to be fair from what i read between the lines here !

they do indeed admit there is a D of A which is interesting from lowell.

did you send a Full DSAR to the original creditor ? if you had then i am sure it would be a great help.

what i would like to know is: they refer to a notice of assignment from the OC which they sent you a copy of ,which they say gave them legal title ( not true )

do you have both notices of assignment they refer to ? 1 from the OC and 1 from Lowell ?

by Raymondo1959 Wed Jul 26, 2023 8:39 pm

Hello Waylander62.
I did not send DSAR to OC .It wasn't something mentioned in my original enquiries as to how to proceed or from other research i have made.I have had no written communications with OC since they involved Lowells.I provided the 3 notices to Lowells and after some weeks received their response.I have not received copies of legal or equitable assignments from DCA.They state 'As we have sent you a letter to tell you your account has been assigned to LPI this makes it a legal assignment' I believe i have already mentioned they are using the data protection act to deny my access to DOA .

by waylander62 Wed Jul 26, 2023 9:02 pm

Raymondo1959 wrote:Hello Waylander62.
I did not send DSAR to OC .It wasn't something mentioned in my original enquiries as to how to proceed or from other research i have made.I have had no written communications with OC since they involved Lowells.I provided the 3 notices to Lowells and after some weeks received their response.I have not received copies of legal or equitable assignments from DCA.They state 'As we have sent you a letter to tell you your account has been assigned to LPI this makes it a legal assignment' I believe i have already mentioned they are using the data protection act to deny my access to DOA .

thats not what i am asking, they state they have sent you a letter telling you the account has been assigned to LP1 have you got a copy of this or any other assignment letter as they also state you have an assignment letter from the OC.

i know they are refusing to provide a copy of the deed, that can be argued but there is more to defending a claim than a deed of assignment.

get all arguments prepared for any further action.

a DSAR to the OC is a must and as soon as possible.

by Raymondo1959 Thu Jul 27, 2023 11:12 pm

I have not received any copies of assignment letters.When you say a dsar is urgently required, do you mean the shop direct finance company limted or the catalogue company?

by waylander62 Thu Jul 27, 2023 11:40 pm

the original creditor, the one who allegedly gave you credit as the agreement would be with them so they should hold all of the documents.

but lowell state in their letter(s) that you have received a notice of assignment ? is that not the case then ?

by Raymondo1959 Thu Aug 03, 2023 12:58 pm

Hello again.Just to re confirm i have only received a letter stating that assignment has been made,No copies/proof received.I have received further communication from Overdales and i have attached a link to access it.Date of letter was 26th July but i only received it yesterday afternoon !
Regards,
https://ufile.io/9tj0ag8o

by Raymondo1959 Thu Aug 03, 2023 1:18 pm

In addition,Engage Services Ltd has changed name to Marstons.See below.
Registered office address
12th Floor One America Square, London, United Kingdom, EC3N 2LS
Company status
Active
Company type
Private limited Company
Incorporated on
1 September 2010
Accounts
Next accounts made up to 31 May 2023
due by 29 February 2024

Last accounts made up to 31 May 2022

Confirmation statement
Next statement date 18 February 2024
due by 3 March 2024

Last statement dated 18 February 2023

Nature of business (SIC)
82990 - Other business support service activities not elsewhere classified
Previous company names
Previous company names
Name Period
MARSTON REGULATED SERVICES LIMITED 01 Oct 2018 - 07 Apr 2021
ENGAGE SERVICES LIMITED 18 Mar 2016 - 01 Oct 2018
CHASE SOLUTIONS (UK) LIMITED 20 Jun 2014 - 18 Mar 2016
WINTERHILL CHASE SOLUTIONS LIMITED 23 May 2013 - 20 Jun 2014
CHASE SOLUTIONS (UK) LTD 10 Jan 2013 - 23 May 2013
HIGHLAND SOLUTIONS (UK) LTD 08 Nov 2012 - 10 Jan 2013
CHASE SOLUTIONS (UK) LTD 01 Sep 2010 - 08 Nov 2012

by waylander62 Thu Aug 03, 2023 9:52 pm

Raymondo1959 wrote:Hello again.Just to re confirm i have only received a letter stating that assignment has been made,No copies/proof received.I have received further communication from Overdales and i have attached a link to access it.Date of letter was 26th July but i only received it yesterday afternoon !
Regards,
https://ufile.io/9tj0ag8o

a letter stating assignment has been made ? sounds like a notice of assignment to me but not sure , but then you say no copies , so maybe not. Proof ? i am not sure what you mean do you mean that they have failed to prove that one was sent.

what i read in their letters was that you had received a notice of assignment from both LP1 and also the OC.

they keep threatening court but dont seem too eager to actual submit a claim which i find quite interesting.

i hope you have sent a DSAR to the original creditor by now as it looks like they are stalling and it may be that you will get the results of the DSAR maybe before a claim is issued even.

by Raymondo1959 Fri Aug 04, 2023 4:28 pm

Hello,i can confirm that a DSAR has been sent to the OC.In addition to requesting all data held that refers to me i have asked if the account they reference is in fact still active.Also to confirm if the account they reference has a balance of £0.00 .In regards to Lowell's response to my 3 notices, in regard to the 'due diligence'question.They stated "When we wrote to let you know that LPLI had been assigned ,this also included a letter from the OC.This letter confirmed that they had SOLD your account to LPI.This is the evidence you need to be sure that LPI can give you good discharge under your contract".I did not receive a letter from the OC confirming sale of account/legal assignment.As mentioned previously they refuse to provide proof of legal assignment stating it is confidential.
They seem to be stringing me along and this latest threat of a knock on the door rather than court action seems like more scare tactics.
Regards as always

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