Terms and Conditions


Terms of website use

This page (together with the documents referred to on it) tells you the terms of use on which you may make use of our website www.overdales.com (“Website”). By using our Website, you indicate that you expressly agree to these terms of use and that you agree to abide by them. If you do not agree to these terms of use, please refrain from using our Website.

Information about us

This Website is operated by Overdales Legal Limited which is within the Lowell group of companies. Where we use “we”, “our” or “us” in these terms, we mean Overdales Legal Limited unless we say otherwise.

We are registered in England and Wales under company number 07407310 and have our registered office at No.1 The Square, Thorpe Park View, Thorpe Park, Leeds, LS15 8GH.

We are authorised and regulated by the Solicitors Regulation Authority (SRA) under registration number 806769, and practise in accordance with the SRA Standards and Regulations 2019 which can be viewed on the SRA’s website at www.sra.org.uk

We are also authorised and regulated by the Financial Conduct Authority, under registration number 691793, in respect of consumer credit regulated accounts.

We are registered as a data controller under the General Data Protection Regulation 2016/679 (GDPR) under registration number Z2577941.

We maintain compulsory professional indemnity insurance, details of which are available for inspection at our practising address by our clients.

Accessing our Website

We will try to make the Website available but cannot guarantee that the Website will operate continuously or without interruptions or be error free or that defects will be corrected even if we are aware of them.

Your access to the Website may occasionally be suspended or restricted to allow for repairs, maintenance or the introduction of new facilities or services.

We accept no liability if the Website is unavailable or does not function as anticipated for any reason.

From time to time, we may limit some areas of our Website to individuals who we have contacted in connection with the payment of a debt and/or who have been provided with validation details. If this applies to you, in order to access these areas and manage your account you will be required to enter certain validation details. You are entirely responsible for maintaining the confidentiality of your validation details. You agree to notify us immediately if you believe that there has been any unauthorised activity on the Website as a result of your validation details becoming compromised.

You are responsible for making all arrangements necessary for you to have access to the Website. You are also responsible for ensuring that all persons who access the Website through your internet connection are aware of these terms, and that they comply with them.

Intellectual property rights

We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

All trademarks (including registered and unregistered marks), trade names, logos and trading styles on the Website are owned by us and you may not use them without our prior written consent.

You may not modify, copy, reproduce, republish, upload, transmit or distribute, in any manner, the material on the Website, including text, graphics, code and/or software.

You may print off one copy, and may download extracts, of any page(s) from our Website solely for your personal reference. You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text. You must not use any part of the materials on our Website for commercial purposes without obtaining a licence to do so from us.

If you print off, copy or download any part of our Website in breach of these terms of use, your right to use our Website will cease immediately and you must immediately destroy any copies of the materials you have made, in whatever form, and cease to use or otherwise make reference to them.

You agree not to reproduce, copy or re-sell any part of our Website in contravention of the provisions of these terms of use. You also agree not to access without authority, interfere with, damage or disrupt any part of our Website, any equipment or network on which our Website is stored, any software used in the provision of our Website or any equipment or network or software owned or used by any third party.

Linking to our Website

Our Website must not be framed on any other website, nor may you create a link to any part of our Website.

Reliance on information posted

Content and other materials posted on our Website are not intended to amount to advice on which reliance should be placed. It is provided without any guarantees, conditions or warranties as to its accuracy, completeness or reliability and we therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our Website, or by anyone who may be informed of any of its contents. Information elsewhere on the Website explains where independent advice may be obtained. 

Our liability

We exclude all express or implied terms, conditions, warranties, representations or endorsements which might otherwise be implied by statute, common law or in equity, whatsoever with regard to the Website or any information or service provided through the Website.

The material displayed on our Website is provided “as is” without any guarantees, conditions or warranties as to its accuracy.

We exclude any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our Website or in connection with the use, inability to use, or results of the use of our Website, any websites linked to it and any materials posted on it.

We do not accept any liability for any charges, interest or other costs whatsoever which you may incur in connection with a debt owed to us or to a third party as a result of you having been unable for any reason to access this Website, including but not limited to your inability to make a payment on your account or contact us via this Website. In the event that you are unable to access this Website you can contact us by using the telephone number available on our Website, or that referred to in any correspondence we may have sent you, which you may wish to note down or retain for future reference.

You are responsible for ensuring that your computer system meets all relevant technical specifications necessary to use the Website and is compatible with the Website. You are responsible for implementing sufficient procedures and virus checks (including anti-virus and other security checks) to satisfy your particular requirements.

Although we have tried to ensure that all information provided through the Website is accurate at the time of inclusion, occasionally inadvertent errors may occur and you acknowledge that we have no liability in respect of such errors.

The limitations and exclusions in this clause do not affect your non-excludable statutory rights and only apply to the extent permitted by applicable law.

Information about you and your visits to our Website

We process information about you in accordance with our Privacy Promise. By using our Website, you consent to such processing and you warrant that all data provided by you is accurate.

Payments made through our Website

The following terms and conditions apply to all online payments made via Overdales Legal Limited in terms of accounts handled by us on behalf of our clients.

Please read the following terms and conditions carefully before using the online payments facility.

Using the online payments facility on this Website indicates that you accept these terms. If you do not accept these terms do not use this facility.

All payments are subject to the following conditions:

  • Payment made through the Website must be by debit card only. We accept payment with Visa Debit, MasterCard Debit and Electron.
  • In making a payment you are confirming that you are authorised to make the payment as the cardholder, or otherwise that you have the cardholder’s permission.
  • Your payment should take a minimum of two working days to reach the account to which you are making a payment. (This includes time to verify your debit card details with your debit card supplier and for payment to be notified to us).
  • We cannot accept liability for a payment not reaching the intended account due to the quoting of an incorrect Overdales reference number.
  • We cannot accept liability if payment is refused or declined by the debit card supplier for whatever reason.
  • If the debit card supplier declines payment, we are under no obligation to bring this fact to your attention. It is your responsibility to check with your bank/debit card supplier that the transaction has been successful.
  • We will use the email address provided to send you confirmation of your payment plan. We may also use this email address to contact you about your account in the future.

Viruses, hacking and other offences

You must not misuse our Website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Website, the server on which our Website is stored or any server, computer or database connected to our Website. You must not attack our Website via a denial-of-service attack or a distributed denial-of service attack.

By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Website will cease immediately.

We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our Website or to your downloading of any material posted on it, or on any website linked to it.

You may use our Website only for lawful purposes. You may not use our Website in any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect.

Any breach of these terms or of our privacy policy entitles us to block your IP address and to prevent you from accessing the Website in the future, without prejudice to or limitation or restriction upon any other rights or remedies we may have against you.

Links from our Website

Where our Website contains links to other sites and resources provided by third parties, these links are provided for your information only. The presence of a link does not imply that we endorse the website. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them.

Jurisdiction and applicable law

The English courts will have exclusive jurisdiction over any claim arising from, or related to, a visit to our Website although we retain the right to bring proceedings against you for breach of these conditions in your country of residence or any other relevant country.

These terms of use and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales.


We may revise these terms of use at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we made, as they are binding on you. Some of the provisions contained in these terms of use may also be superseded by provisions or notices published elsewhere on our Website.

Your concerns

If you have any concerns about material which appears on our Website, please email help@overdales.com or contact us by post at Overdales Legal Limited, PO Box 1399, Bradford, BD5 5GA.

Thank you for visiting our Website.