Hello,
I have received an interim charging order about an outstanding debt. The debt has been handled by Lowell. They contacted me in 2019 with a Court Application. I have responded online and sent Lowell a SAR. The SAR showed they are chasing a debt from 2002, but could not provide any of the needed documents (assignment letter, credit agreement, etc). After I filed the response online I got a reference number but then the case was dropped from the system for some reason. I wrote to Lowell to ask them if the reference number for the claim has changed but not heard anything since last week.
It would appear a hearing was held in 2021 (I have NOT received any notification or any correspondence whatsoever neither from the Court, nor from Lowell). On that hearing a CCJ was apparently handed down against me. 3 years later, Overdale (acting on behalf of Lowell) have taken out an interim charge order against an equity I have in the house I am living in. I was very clear in my response back in 2019, that Lowell's have not provided any of the documents needed to pursue the debt and I am convinced that debt was paid off in 2003 (I sold my property and moved abroad for a few years, clearing all my then outstanding debts).
I have no idea where to begin with this - never had to deal with anything like that. I have sent for a SAR to Lowell's, as I do not keep the previous SAR from 2019.
Can someone advise what do I need to do? I have read the forum and there are mentions of N224 forms and abbreviations that I do not understand
Thank you in advance.
I have received an interim charging order about an outstanding debt. The debt has been handled by Lowell. They contacted me in 2019 with a Court Application. I have responded online and sent Lowell a SAR. The SAR showed they are chasing a debt from 2002, but could not provide any of the needed documents (assignment letter, credit agreement, etc). After I filed the response online I got a reference number but then the case was dropped from the system for some reason. I wrote to Lowell to ask them if the reference number for the claim has changed but not heard anything since last week.
It would appear a hearing was held in 2021 (I have NOT received any notification or any correspondence whatsoever neither from the Court, nor from Lowell). On that hearing a CCJ was apparently handed down against me. 3 years later, Overdale (acting on behalf of Lowell) have taken out an interim charge order against an equity I have in the house I am living in. I was very clear in my response back in 2019, that Lowell's have not provided any of the documents needed to pursue the debt and I am convinced that debt was paid off in 2003 (I sold my property and moved abroad for a few years, clearing all my then outstanding debts).
I have no idea where to begin with this - never had to deal with anything like that. I have sent for a SAR to Lowell's, as I do not keep the previous SAR from 2019.
Can someone advise what do I need to do? I have read the forum and there are mentions of N224 forms and abbreviations that I do not understand
Thank you in advance.
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