LENDABLE Loans and Stevensdrake Solicitors

[searcher4321]

In brief....relative passed away approx 2 years ago. No paperwork or will etc. One of the alleged Creditors was LENDABLE who were informed of death. Response from LENDABLE saying they would be following their procedures to close the account.
Shortly after, a letter from Stevensdrake Solicitors saying they were acting for LENDABLE.
Letter then sent to them explaining no funds and at the time, estate deemed to be insolvent. Explained potential inquest into the Death ongoing and no will or documentation making progress very slow in estate dealings.

Now 18 months later after last communication with Stevensclarke (see above), letter from them claiming there is property and demanding a contact for Estate or they would apply for Administration. At no time was any debt acknowledged to LENDABLE (which was put in writing and letter headed WITHOUT PREJUDICE) as estate had no documentation.
Subsequent to latest Stevensdrake letter a CCA request was sent to LENDABLE and stevensdrake informed by letter of this action (also informed that the person dealing with estate at the time of death also dealing with Stage 4 Cancer, so best efforts in good faith made at the time . Stevensdrake then respond with CCA documents (apparently just printed off) and no signatures.

No idea at this time if Stevensdrake have bought the alleged debt or are just getting a commision for pursuing it. Do DCA rules still apply if not a 'bought' debt as opposed to getting a commsion for pursuing?

Do Stevensdrake have to have a valid Notice of Assignment to legally pursue a debt? If so is it they or LENDABLE who should respond to a request for proof using GDPR 2018 legislation?

Should signatures and an original copy of agreement have been provided? If agreement originally done online surely there should be some record producable of how it was 'signed'?

Has anyone any information on dealing with LENDABLE and/or Stevensdrake Solicitors?

Thanks you in advance.

[atticus]

You have said that the solicitors have stated that they act for their client, who they have named. I think you are mistaken but to be hung up on the mechanics of buying debt.

What do you say about the assertion that the deceased had property?

[searcher4321]

At time of deceased passing no property asset was obvious. No documentation on debts, no will and personal affairs kept close and never discussed with family. Therefore estate treated as such......minimal assets in bank which only went part way to covering Funeral etc. Sub £5000 so no Probabte needed.

18 months later it appears there as an interest by the deceased in a property. Stevensdrake have come on the scene 18 months after everything was assumed to be closed. Chasing an alleged debt of under 2k.
Strangely when the CCA request was sent to Lendable the tracked signature shows Stevens Drake from a different address. Not sure how that is possible or what it implies. Hence being very careful.

Next step will be to write to Lendable asking for full details relating to the alleged loan contract. Doesn't seem to be any information anywhere on anyones dealings with Lendable or Stevensdrake solicitors UK.

If correct info received then the estate will not dispute the debt (as has already been communicated to Stevensdrake)....but until satisfactory answers from Lendable then that will not happen.

Any thoughts or information would be gratefully recieved. Thank you.

[atticus]

Won't probate be needed to deal with the interest in the property?

[searcher4321]

Probate yes...or letter of Admin. However the whole point is alleged Creditor coming after payment.

Obviously entitled to do that and Estate has stated in written response that will not be in dispute if proven to be vaid debt and a genuine Creditor.
The alleged amount is about £1600 so that will be sorted by family if necessary.

CCA request sent to LENDABLE London Office recorded delivery. However signed for by Steven Drake .. their address is Crawley Essex??

How is that possible? All mail redirected to Crawley? So you cant mail Lendable direct? Seems odd and is raising questions.

Anyway....my original questions regarding Stevens Drake pursuing debt still stand. Notice/Deed of Assignnment if authority to pursue the debt?

Does anyone have dealings with LENDABLE and/or Stevens Drake UK.?

The person having to deal with this matter is still suffering from Stage 4 cancer....which StevensDrake know....and this is an unexpected stress that is
not needed... especially coming 18 months after all matters apparently settled.

Feedback on the above would be gratefully recieved.

Thanks in advance..