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Setting aside a CCJ - Lowell

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  • #31
    Re: Setting aside a CCJ - Lowell

    Hi [MENTION=87380]Diana M[/MENTION] , thanks for quick replies!

    In response:

    I never attended the actual hearing, this is for my mrs and i couldn't go in as we had our baby there (had no one to look after her). I'm not sure if she mentioned the lack of POC but i imagine not as she was quite panicked and overwhelmed. Lowell never sent a solicitor but a 'representative'. They never argued in court but actually said they agreed to have it set aside. I'm not sure what a WS is so i guess we don't have one.

    She said that the DJ did say she may want for her defence to consider either statute barred, saying the claim is less than the amount asked for or that its not her debt (although he said this is probably not an option as she had said about her account with lloyds). This means they know its probably an overdraft as she said that is the only thing it could be, although we haven't put this in writing anywhere.

    After reading your replies we have contacted NCCBC, they said nothing could be done online as its now at county court (trying to access mcol) and that they could give us the POC at a cost of £10. This had to be done via an email request, which we have now done and are waiting for a reply.

    I will have a CCA typed up before i leave work and signed/posted special deliver today, to both the addresses we have.

    Kind regards

    Anthony

    Comment


    • #32
      Re: Setting aside a CCJ - Lowell

      @Diana M

      I've attached the CCA that we are going to send. As we have no account number I've used the claim number from the court. do you think that would be sufficient?

      Kind Regards

      Anthony
      Last edited by Madcookie; 27th April 2017, 11:12:AM.

      Comment


      • #33
        Re: Setting aside a CCJ - Lowell

        I would suggest you send the CCA Request template used by members of this forum here >

        http://www.legalbeagles.info/forums/...=7670#post7670

        Di
        I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit.

        This forumís site rules donít allow me to give advice by PM but if you need to contact me please email di@joannaconnollysolicitors.co.uk. Our initial advice is always free.


        Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

        Comment


        • #34
          Re: Setting aside a CCJ - Lowell

          Originally posted by Madcookie View Post
          Lowell never sent a solicitor but a 'representative'. They never argued in court but actually said they agreed to have it set aside.
          If the Claimant didn't contest your Application for a set aside, why didn't they simply consent to it without the need to go to court - or weren't you advised to ask them if they were willing to do that (consent)?

          Di
          I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit.

          This forumís site rules donít allow me to give advice by PM but if you need to contact me please email di@joannaconnollysolicitors.co.uk. Our initial advice is always free.


          Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

          Comment


          • #35
            Re: Setting aside a CCJ - Lowell

            Originally posted by Diana M View Post
            I would suggest you send the CCA Request template used by members of this forum here >

            http://www.legalbeagles.info/forums/...=7670#post7670

            Di
            I took the template from there, the lengthy version near the bottom of the first post. would you recommend the first template, the shorter one? I've attached what i have got to send if so...

            As for the consent, we never spoke to Lowell at all before it was set aside, just the court through the N244 form. we had no correspondence after submitting that form other than the court setting dates.

            Kind regards

            Anthony
            Last edited by Madcookie; 27th April 2017, 11:12:AM.

            Comment


            • #36
              Re: Setting aside a CCJ - Lowell

              Originally posted by Madcookie View Post
              I'm not sure what a WS is so i guess we don't have one.

              She said that the DJ did say she may want for her defence to consider either statute barred, saying the claim is less than the amount asked for or that its not her debt (although he said this is probably not an option as she had said about her account with lloyds). This means they know its probably an overdraft as she said that is the only thing it could be, although we haven't put this in writing anywhere.
              Sorry I should have said Witness Statement not just the initials WS.

              I was asking to see if Lowells had sent you any clues/evidence about the claim if they had filed a WS in relation to your set aside Application.

              I can only assume the DJ saw the POC because they should have been in his file/Bundle.

              From what you say he gave some pointers as to what your wife might plead in her Defence but they could have just been hypothetical examples of the sort of things she could argue (if applicable).

              It also appears that she may have told the court that it was an overdraft (in front of Lowells' representative). Does she recall doing that and does she recall what the representative said in response (if he did)? Was it agreed in court (common ground) that it was an overdraft?

              If it's been established in court that it was an overdraft then it's possibly futile to send the CCA Request now. I was looking to throw a curved ball especially if Lowells didn't know what the balance outstanding was for.

              Di
              I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit.

              This forumís site rules donít allow me to give advice by PM but if you need to contact me please email di@joannaconnollysolicitors.co.uk. Our initial advice is always free.


              Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

              Comment


              • #37
                Re: Setting aside a CCJ - Lowell

                Originally posted by Diana M View Post

                It also appears that she may have told the court that it was an overdraft (in front of Lowells' representative). Does she recall doing that and does she recall what the representative said in response (if he did)? Was it agreed in court (common ground) that it was an overdraft?

                If it's been established in court that it was an overdraft then it's possibly futile to send the CCA Request now. I was looking to throw a curved ball especially if Lowells didn't know what the balance outstanding was for.

                Di
                I'm not sure is the honest answer. even if she did say it was an overdraft, she is only making an assumption surely as we still do not know what the original debt is for?

                Comment


                • #38
                  Re: Setting aside a CCJ - Lowell

                  [MENTION=87380]Diana M[/MENTION], [MENTION=6]Amethyst[/MENTION],

                  Hi both

                  My partner went into Lloyds today and got their information with regards the claim. lets just say it was not what we expected.

                  There was no evidence of the account being closed, quite to the contrary, it was open up to June 2009. We have all the statements from jan 2007, upto June 2009, when it appears to have been transferred to a debt collection department, with an outstanding balance of £958.60. No mention of Lowell there though.

                  The last time it appears she has made any in/out of the account was a withdrawal of £100 on 16th October 2007, which left the balance at £715.05, other charges were interest up till the account was closed.

                  Now we know this does it change our defence? She is adamant she went in to lloyds 2007/2008 and closed the accounts, yet the evidence doesn't back this up and she has no way of proving it.

                  What do we write as her defence?

                  She has had no letters from Lloyds/Lowell showing the debt was sold/transferred. The account was closed 2009, which is over the 6 years required for it to be Statute Barred. Is this correct and would this be a valid defence?

                  We have to write it up and post it by Thursday at the very latest i would guess, so not a lot of time to do this.

                  We have been in to the court too today and the said we have to email for the POC. We did this yesterday and have heard nothing back yet, so still don't know what Lowell are claiming for.

                  Kind regards

                  Anthony

                  Comment


                  • #39
                    Re: Setting aside a CCJ - Lowell

                    Okay. I think it needs looking into further then - did you send a formal SAR into Lloyds ?

                    Seems likely this is for the same account ( although they still should evidence that) as a closing balance of £950 would easily turn to £1200 with dca's and a court claim.

                    The balance of £715.05 was overdrawn ? To make the withdrawal of £100 was that within the Overdraft authorised limit ? (is that stated on the relevant statement ? )

                    If she went to close the account and there was an overdrawn balance of £700 odd then they wouldn't have allowed her to close the account down until that was repaid. Particularly if that was already over any overdraft limit.

                    I know it was a long time ago but do the transactions made around that time make sense and jog any other memories about why the account was to be closed ?

                    If the account was closed in June 2009 and no contact/acknowledgment/payment was made to do with the account since then then yes it would be statute barred.
                    “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

                    Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

                    Find Solicitors offering fixed fees on our sister site - JustBeagle.com

                    Comment


                    • #40
                      Re: Setting aside a CCJ - Lowell

                      Thanks for the quick reply [MENTION=6]Amethyst[/MENTION].

                      The £715.05 was the account overdrawn balance at the end of that month, it had an overdraft limit of £750 so at that time still with in the agreed limit. The statements up till June 2009 show monthly applied interest leading to the closing balance of £958.60, which I guess would be right if the account was never closed properly. The fact it doesn't show any money going in around the time she says she closed it is weird but it's that long ago she has nothing to prove she went in and closed it.

                      As for other withdrawals, there is only 1 other before that, which was a withdrawal of £400 in September 2007. No more before that. Both were over the counter.

                      So if we are right I can argue that it is statute barred now as she has not had anything to do with this account since it was closed in 2009. How do I go about arguing this?

                      And do we just send the defence in a letter to the court/Lowell? We have no forms.

                      Kind regards

                      Anthony

                      Comment


                      • #41
                        Re: Setting aside a CCJ - Lowell

                        She may not have any evidence, but there will be screen notes or something - maybe an appt with the customer manager etc ? which SHOULD show up on a full SAR disclosure. The issue is unless she went in to close it with £750 odd cash in hand to pay up the overdraft she wouldn't have been able to close it. There would have had to be some discussion around how to repay that debt before they'd allow closure. So I'm not sure it will help unless she can remember anything else about the conversation at the bank when she tried to close the account?

                        So you've been ordered to file and serve your defence following the set aside - have you had the order in writing from the court yet ? Blooming tricky without the POC or any documents at all, but we just put that.

                        Can you pop on here the text from your set aside app and any defence? you put in with that. Just to make sure everything tallies up.

                        Will give you a hand in the morning xxx

                        Oh statute barred would be roughly....

                        The Defendant contends that any alleged debt is statute barred by virtue of paragraph 5 of the Limitations Act 1980 in that there has been no payment or acknowledgment of the debt for at least six years prior to the issuance of the original claim in this case.

                        which refers to this
                        Originally posted by Limitation Act
                        Actions founded on simple contract
                        5 Time limit for actions founded on simple contract.

                        An action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued.
                        “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

                        Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

                        Find Solicitors offering fixed fees on our sister site - JustBeagle.com

                        Comment


                        • #42
                          Re: Setting aside a CCJ - Lowell

                          Originally posted by Amethyst View Post
                          you've been ordered to file and serve your defence following the set aside - have you had the order in writing from the court yet ?
                          It's uploaded in post # 27 but it doesn't show when I re-quote the post

                          The OP has until 1st May to file their Defence which is Bank Holiday Monday so Tuesday 2nd May by 4 pm may be an option for them.

                          There's still hope that they can get the POC emailed to them before then.

                          Originally posted by Madcookie View Post
                          We were successful in having it set aside and were told we must have our defence in by 4pm on the 1st of May.

                          . . . I've attached the redacted set aside order
                          Di
                          I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit.

                          This forumís site rules donít allow me to give advice by PM but if you need to contact me please email di@joannaconnollysolicitors.co.uk. Our initial advice is always free.


                          Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

                          Comment


                          • #43
                            Re: Setting aside a CCJ - Lowell

                            Ahh perfect. Mad isn't it that you can go through a set aside hearing and have it granted without ever having had sight of the original claim - it just makes no sense for the court not to simply provide a copy from their system when the application is made.

                            Far too many Bank Holidays this year

                            Here
                            Last edited by Amethyst; 27th April 2017, 12:21:PM.
                            “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

                            Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

                            Find Solicitors offering fixed fees on our sister site - JustBeagle.com

                            Comment


                            • #44
                              Re: Setting aside a CCJ - Lowell

                              Madcookie, You know when you went into the bank to get the information on the account, was that actually you picking up the SAR information requested? Just thinking that, if it was, I'd be writing again stating that you'd like the notes on account/screen notes etc as well....as they may clear up some of the confusion around the closure of the account that may or may not have occurred.
                              “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

                              Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

                              Find Solicitors offering fixed fees on our sister site - JustBeagle.com

                              Comment


                              • #45
                                Re: Setting aside a CCJ - Lowell

                                Good morning [MENTION=87380]Diana M[/MENTION], [MENTION=6]Amethyst[/MENTION].

                                On the N244 form we asked them in section 3 to set aside judgment because she had never received any court summons or letters stating that money was owed to Lowell. The first she knew was found out on a credit report 2 years later.

                                The defence we put in (section 10 on N244) to gain the set aside was:

                                "I moved to ###### in 2012, starting work in September 2012. My credit report even shows this 6 months before the CCJ was issued.
                                The letters I have since received, say I originally owed Lloyds this debt. I don't recall having any accounts with them since 2007 when i left the country to go traveling for 6 months."

                                That was it with regards a defence.

                                We still have no POC even with 2 emails, 1 phone call and a court visit this week. I will ask her to call again this morning.

                                I never got in to the hearing last time and we never requested a POC at the hearing, our mistake.

                                With regards Lloyds, the Mrs went in yesterday and asked for this information. It was not part of the SAR, we have heard nothing back from that letter. What we got was just the monthly account statements from 2006 till it closed 2009. They didn't charge for this information. Do i need to ask her to go in again today? Would they be able to give the required SAR information same day? I was hoping to write her defence today and post it tomorrow...

                                Kind regards

                                Anthony

                                Comment

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