CCJ-lowells

[Millieanne]

I hope someone can help me. Back in 2014 I started getting letters from Lowells for a debt I did not recognise so
I rang them and asked for details and proof that I owed this debt (it was for a catalogue) they said they would send
me documention. I never got anything from them but continued to bombard me with Letters for the next 4yrs which
I ignored.

Last week a bailiff turned up at my door to serve papers on me. It was an attachment of earnings for a CCJ which
they said was actioned in 2016 for £50 a month. I knew nothing of this as never had any court papers. I contacted
my local court who said they would send me a copy of the form and a form to have it set aside. They also sent me
a form to fill in, stating my income and said if on low income fees could be waived.

I filled it in and sent it back as I do not work as I am in my 60's and am supported by my Husband who is retired
so we only have his pension and pension credit to live on.

A day later I got a letter from the court to say my application to have the fees waived was rejected and if I wanted
to apply to have the judgment set aside I would have to pay £255. How can they turn me down when I do not earn
anything and am supported by my Husband?

I cannot afford to pay £255 as we only just have enough to pay bills and eat.

Lowells have said again they will send documentation regarding this debt but am still waiting for this.

I have since been told that Lowells pay Northampton County court business centre to issue judgments
without giving the other side a chance to deny it. I do not know if this is true or not.

Does anyone know about this and can you give me any advice. It is making me ill with worry.
We rent our home, only have my husbands pension so have no means to pay this and do
not see why we should when I do not owe it. I would rather go to prison than give them a penny.

[Amethyst]

Welcome

Okay, so this isn't your debt originally that you know of, but things have kind of overtaken you and you now have a CCJ against you and now an attachment of earnings order with the threat of prison if you don't comply with the order? Is this the form the court sent you to complete and return ? https://assets.publishing.service.go...20/n56-eng.pdf
Did you do so ? or just file your N244 and EX160 ?

continued to bombard me with Letters for the next 4yrs which I ignored

Could any of those been the court claim or letters from Lowell telling you about the judgment ?

Did the court tell you the address the Judgment was awarded at ? Have you moved since you previously spoke with Lowell in 2014 ?

Have your court also sent you a copy of the original claim, judgment, AoE application etc ?

I have since been told that Lowells pay Northampton County court business centre to issue judgments

without giving the other side a chance to deny it. I do not know if this is true or not.

No, that's rubbish.

[Millieanne]

The threat of Prison was on the bailiff letter they left on the doorstep. The courts sent me a form to have the judgement set aside
and a income form which I filled in and sent back.

Even though they bombarded me with Letters, I did read them and No there was no court papers. I maybe in my 60's but am not
senile.

I do not know anything about this debt and have asked Lowells for proof.

I find it strange I never got any court papers especially as I have read online about other people who never got
court papers either and yet got a CCJ judgements by Lowells without a chance to defend themselves.

I need to know what I can do now, I have asked for proof from Lowells but there is no way I can pay
£255 to the greedy courts especially as they never sent any papers to defend myself in the first place
and I will ring them tomorrow to ask why they rejected it.

[Amethyst]

Yes that sounds like a good idea - have you check the requirements for getting fee remission ? There is a calculator here https://www.gov.uk/government/public...-tribunal-fees which might help.

Have you asked the court the address that the court claim was issued to?

Have you spoken with Lowell at all since receiving this attachment of earnings letter ? to ask why they have never mentioned the judgment in all their letters? D

oes the judgment show on the register, and on your credit file ?

I wasn't accusing you of being senile btw, you said you ignored letters, lots of people who ignore letters mean literally, unopened, straight in the bin, ignore. If you received letters and read them and there was nothing about court then this is a bit of a mystery why you didn't receive the court papers, or any mention of having obtained a Judgment from Lowell, who you said were writing to you still for at least two years after the judgment. ( you spoke to them in 2014, they were writing to you for 4 years, and got the CCJ in 2016 )