Overdales Debt Recovery Help
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Who are Overdales Debt Recovery?
Overdales Debt Recovery is a UK-based law firm specialising in debt recovery. They collect outstanding debts on behalf of lenders and businesses across credit cards, loans, retail finance, and other consumer credit agreements.
Their full company name is Overdales Legal Limited (Company number 07407310) and they are authorised and regulated by the Solicitors Regulation Authority (SRA) under number 806073.
How to contact Overdales Debt Recovery
Overdales telephone number:
Website:
https://overdales.com/
Postal address:
1 Apex View, Leeds, LS11 9BH
Can you help me deal with Overdales Debt Recovery?
Yes, we can help you deal with Overdales Debt Recovery if they’ve contacted you about an outstanding debt.
It can feel incredibly stressful when a law firm reaches out about unpaid balances, but you don’t have to face it alone. Our team offers free, confidential support and can help you understand your rights, confirm whether the debt is valid, and explore debt solutions that could ease the pressure or even write off some of what you owe (depending on eligibility).
Are Overdales Debt Recovery legitimate?
Yes, Overdales are a legitimate law firm authorised and regulated by the Solicitors Regulation Authority (SRA). They are also registered with the Financial Conduct Authority (FCA) under reference number 691973, allowing them to handle regulated debt collection activity.
This means they must follow strict professional and regulatory standards when contacting customers about debts. If you’ve received a letter or call from Overdales, it’s important to take it seriously, but you also have the right to independent advice before agreeing to anything.
Who do Overdales Debt Recovery collect debts for?
Overdales work on behalf of various creditors, including:
- Banks and credit card companies
- Personal and unsecured loan providers
- Retail finance lenders
- Catalogue and store card companies
- Debt purchasers
They often act as the legal arm of debt purchasers, meaning they may contact you about a debt that’s been sold to another company. This is a common practice in the UK credit industry and doesn’t necessarily mean anything new has been added to what you owe, but it’s always worth checking the details before responding.
How will Overdales Debt Recovery contact me?
Typically, Overdales will contact customers by:
- Letter — requesting that you get in touch about an unpaid balance
- Email — prompting you to log in to your online account
- Phone — using various numbers to reach you directly
- SMS — to remind you about missed payments or new correspondence
Their tone may sound formal, as they are a law firm, but you still have rights and time to review your situation. If you’re feeling pressured or uncertain, PennyPlan can help you manage communication and ensure everything is handled fairly.
What should I do if Overdales Debt Recovery contacts me?
If you’ve heard from Overdales, the best step you can take is to seek impartial advice before responding.
We recommend:
- Confirming the debt — Ask Overdales for proof of the original agreement.
- Avoiding rushed payments —Don’t pay or agree to anything until you understand your position.
- Speaking to a debt specialist — PennyPlan can assess your situation and outline your options, including affordable repayment plans or formal debt solutions.
Remember, you’re not alone. We deal with debt collection cases every day and can help you find the right way forward.
Why are Overdales Debt Recovery contacting me?
If you’ve been contacted by Overdales, it’s usually because they believe you owe money on a credit agreement that’s been passed or sold to them, or they are acting on behalf of a client who owns the debt.
You might not recognise their name if the original lender has changed, but the balance they’re referring to is likely from a familiar account such as a credit card, loan, or catalogue.
If you’re unsure about the debt or feel it’s unfair, we can help you request proof of the agreement and guide you through what to do next.
The important thing to remember with ourselves is we are on your side. We will take you through a process known as an income & expenditure to understand fully your financial situation and then we will talk to you about which options are available to you to take care of your debts.
How to deal with Overdales Debt Recovery
Dealing with a company like Overdales can feel daunting, but you have more control than you might think.
Start by asking them to provide the original credit agreement or other documentation proving the debt is yours. If they can’t supply this, they cannot legally enforce repayment.
If the debt is proven, PennyPlan can help you explore ways to make it manageable. Applying for a debt solution such as a DMP, IVA, or DRO (depending on eligibility), could be the right course of action. You could also consider negotiating with creditors to stop interest and charges.
We’ll take the time to understand your full financial picture before recommending any route forward.
Can Overdales Debt Recovery take me to court?
Yes, as Overdales are a law firm they can begin legal proceedings on behalf of creditors if debts remain unpaid.
Before this happens, they must send you a Letter of Claim giving you the chance to respond and resolve the matter. Ignoring this could result in a County Court Judgment (CCJ), which stays on your credit file for six years and can affect your ability to borrow.
The earlier you act, the easier it is to prevent court action. PennyPlan can help you engage with Overdales, prepare responses, and explore debt solutions that stop legal proceedings in their tracks.
Click ‘Contact Us Now‘ below and we will give you a call to help you deal with this process.
Will Overdales Debt Recovery impact my credit score?
If your account has reached Overdales, it’s likely that your original lender has already recorded a default on your credit file. This can lower your score and make future borrowing harder.
While defaults stay on file for six years, resolving the debt or entering a managed solution can help you start rebuilding your credit profile over time.
If you’d like to explore your options and see what help might be available, speak to one of our debt specialists today.
Still unsure or want to know more?
That’s where our advisors come in, our expert debt advice team can help find a solution that works for you. If you need help with problem debt, we’re on your side.
At PennyPlan we understand that every financial situation is different, and approach every customer with the care and individuality that they deserve.
So, get in touch today and start living better with PennyPlan.