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Ccj, bw legal.

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  • Ccj, bw legal.

    Hi guys
    Through social media I was made aware that there were bailiffs at my previous address, I did some digging and found that this was because I have a 7 month old ccj against me. I managed to retrieve my letters from the previous address and this ccj was a default judgement. I immediately emailed bw legal to ask them to consent to set aside the judgement and work something out. I have had no response. So my questions are

    how do i ask the court for this?

    Can i dispute the amount I owe on the grounds they put my credit limit up with out notifying or asking even when at the time i had numerous problems with payday loan companies and low income? (irresponsible lending)

    How likely is it that they will set aside the judgement? Considering I have just found out about it.

    Apologies in advance if this has already come up on here I looked for a while and couldnt see a suitable thread

    Desperate for help as this is going to set back my credit rating another 5 and a bit years!

    Thank you
    Tags: None

  • #2
    Re: Ccj, bw legal.

    Hi Scotty1902 & welcome to LB.

    The judgment creditor is not likely to be BW Legal.
    The request for set-aside consent should be addressed to whoever obtained the CCJ.
    You should have that info in the letters sent to your previous address.
    If bailiffs are sniffing around it may be wise to consider a set-aside without consent.
    https://www.gov.uk/county-court-judg...-owe-the-money
    CAVEAT LECTOR

    This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

    You and I do not see things as they are. We see things as we are.
    Cohen, Herb


    There is danger when a man throws his tongue into high gear before he
    gets his brain a-going.
    Phelps, C. C.


    "They couldn't hit an elephant at this distance!"
    The last words of John Sedgwick

    Comment


    • #3
      Re: Ccj, bw legal.

      Thank you for responding! So relieved!

      Ok, the judgement for claimant form I received from the court lists the claimant as lowell portfolio and name and address for payment as bw legal.

      So what you're saying is Lowell is who I should ask for consent to set aside?

      I contacted them first and they instructed me to speak to bw legal. I called bw legal and asked for consent and they said they cant the woman even put me on hold whilst she double checked. She did say can't and not won't.

      Should I go back to lowell?

      Thank you.

      Comment


      • #4
        Re: Ccj, bw legal.

        Given the urgency, if it were me I would email Lowell's ceo to ask for consent & request that bailiff action is frozen while this is sorted. Mark email 'urgent' in subject box & put Lowell Portfolio 1 v Scotty1902 Court Claim No. XXXXXXXX.
        http://ceoemail.com/s.php?id=ceo-930...ef%20Executive
        Ask for an urgent reply.
        Follow it up with phone calls. 0345 300 9410

        I'd also make sure that my vehicle was out of sight of predatory enforcement agents.
        If they do visit, do not let them in.
        CAVEAT LECTOR

        This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

        You and I do not see things as they are. We see things as we are.
        Cohen, Herb


        There is danger when a man throws his tongue into high gear before he
        gets his brain a-going.
        Phelps, C. C.


        "They couldn't hit an elephant at this distance!"
        The last words of John Sedgwick

        Comment


        • #5
          Re: Ccj, bw legal.

          There isnt an email address for the director just a list of names. The warrant has been out since 01/11/16. Not sure what to do next now. Should I try calling lowell customer line?

          Comment


          • #6
            Re: Ccj, bw legal.

            Update

            I continued looking and found an email I think might work so they've had a email from me asking to set aside the ccj and freeze bailiff action. Fingers crossed.

            Comment


            • #7
              Re: Ccj, bw legal.

              Originally posted by Scotty1902 View Post
              There isnt an email address for the director just a list of names. The warrant has been out since 01/11/16. Not sure what to do next now. Should I try calling lowell customer line?
              Originally posted by Scotty1902 View Post
              Update

              I continued looking and found an email I think might work so they've had a email from me asking to set aside the ccj and freeze bailiff action. Fingers crossed.
              Did you try the link posted above?
              Works for me!
              CAVEAT LECTOR

              This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

              You and I do not see things as they are. We see things as we are.
              Cohen, Herb


              There is danger when a man throws his tongue into high gear before he
              gets his brain a-going.
              Phelps, C. C.


              "They couldn't hit an elephant at this distance!"
              The last words of John Sedgwick

              Comment


              • #8
                Re: Ccj, bw legal.

                Yes I did and appears the email went through! Now awaiting an email back

                Comment


                • #9
                  Re: Ccj, bw legal.

                  Originally posted by Scotty1902 View Post
                  Yes I did and appears the email went through! Now awaiting an email back
                  Andrew Bartle the COO of Lowell (signature on Lowell letters) address an e-mail to him if you don't get a response.

                  nem

                  Comment


                  • #10
                    Re: Ccj, bw legal.

                    Thank you Nemesis45!

                    Comment


                    • #11
                      Re: Ccj, bw legal.

                      Update

                      After writing to the director, Lowell responded by saying saying BW legal is managing this on their behalf, BW said they cant make the decision.

                      Who can consent to setting the judgement aside. So confused!

                      Comment


                      • #12
                        Re: Ccj, bw legal.

                        Originally posted by Scotty1902 View Post
                        Update

                        After writing to the director, Lowell responded by saying saying BW legal is managing this on their behalf, BW said they cant make the decision.

                        Who can consent to setting the judgement aside. So confused!
                        It's smoke and mirrors just plain stupidity.

                        Who did you contact at Lowell?
                        nem

                        Comment


                        • #13
                          Re: Ccj, bw legal.

                          Hi Nem

                          The director I contacted before I heard from you was James Cornell and the response was sent from Lowell complaints.

                          I forwarded the email from lowell to BW so they cant see that lowell is stating its their responsibility.

                          This is awful, all I need is a yes or no on consent so I cant contact the court.

                          Thanks

                          Scott

                          - - - Updated - - -

                          Can* see that lowell is stating its their responsibility.

                          Comment


                          • #14
                            Re: Ccj, bw legal.

                            Originally posted by Scotty1902 View Post
                            Hi Nem

                            The director I contacted before I heard from you was James Cornell and the response was sent from Lowell complaints.

                            I forwarded the email from lowell to BW so they cant see that lowell is stating its their responsibility.

                            This is awful, all I need is a yes or no on consent so I cant contact the court.

                            Thanks

                            Scott

                            - - - Updated - - -

                            Can* see that lowell is stating its their responsibility.
                            Andrew Bartle the Chief Operating Officer of the Lowell group he's a bit more hands on then Cornell.

                            nem

                            Comment


                            • #15
                              Re: Ccj, bw legal.

                              Ill try him now thanks nem

                              Scott

                              Comment

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