Where to start with Overdales.
Have a debt with Lowell from 6+ years ago I engaged with these people as they are relentless with their bullying and aggressive debt collection, I admit I set up previous plans and have failed to pay due to mental health problems, the last letter giving me 30days to set up a plan or pay in full was 6/11/25, so I filled in The paperwork with a payment plan and offer, kept copies for future reference 23/11/25, got another threatening email 5/12/25 saying I had failed to contact them so they are proceeding to go to court, so I emailed them twice on 5/12/25, sent all paperwork as attachments, then again on the 6/12/25,
No reply so called them and nobody available as they was having a business event, so emailed them again 9/12/25attached forms again, then got the county court papers so I filled them in with my defence and printed off all emails as proof required, the court then forwarded the same forms to Overdales to respond to.( all the emails had dates clearly showing when they was sent) but again Overdales are claiming no contact and consistent in asking for proof of contact.they also claim that I logged into my account 5/12/25 and didn’t issue a payment plan, this function isn’t even on the account page for me to even complete just a demand for full payment and court costs, even now they want costs paid for and it hasn’t even been to court,
Raised a complaint with Overdales on 26/1/26 received a response to include all emails that I had sent ? Which did again and no reply since apart from a court small claims form from them demanding all up front or split in two or £30 a month )they know I can’t afford that) plus £122 to set that up !!!
So are they saying that all forms of communication from me and the court have all gone missing, so they must have received the court papers with the defence proof otherwise they wouldn’t be able to deny my claims they ignored all contact, this place just wants to increase the debt as much as possible,
How they can say with any amount of professionalism that they haven’t had any contact or paperwork when it has been sent 6 times by two different places.