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Good afternoon all,
I am new to the forum, but just wanted some advice regarding a CCJ letter I received this morning.
Lowell Portfolio Ltd have issued a CCJ against me but I was never given warning of this or I would have put something in place to begin clearing the debt.
I have been suffering a lot with my mental health over the years and 3-4 months ago begun sorting all outstanding debts (mainly late payments, nothing major). I have been focusing on my credit file. Lots of missing information on there that I had to sort.
This particular outstanding debt is surprising to me as I completely forgot about it over the years.
Due to struggling with my mental health, I ignored many letters for months. I have opened these within the last 4-6 weeks and haven’t had anything from Lowell about this debt. I keep all letters until I have dealt with the issue.
Now I have a CCJ through the door. Original debt was £480.00. It’s now £658.40. I cannot afford to arrange payments for the extra amounts added; my financial situation has decreased dramatically within the last 18 months.
Where do I stand with this? Can I “admit part of the amount claimed” and explain my situation to them?
This is very stressful for me and something I could do without right now.
Any help/advice will be much appreciated.
Thank you
I am new to the forum, but just wanted some advice regarding a CCJ letter I received this morning.
Lowell Portfolio Ltd have issued a CCJ against me but I was never given warning of this or I would have put something in place to begin clearing the debt.
I have been suffering a lot with my mental health over the years and 3-4 months ago begun sorting all outstanding debts (mainly late payments, nothing major). I have been focusing on my credit file. Lots of missing information on there that I had to sort.
This particular outstanding debt is surprising to me as I completely forgot about it over the years.
Due to struggling with my mental health, I ignored many letters for months. I have opened these within the last 4-6 weeks and haven’t had anything from Lowell about this debt. I keep all letters until I have dealt with the issue.
Now I have a CCJ through the door. Original debt was £480.00. It’s now £658.40. I cannot afford to arrange payments for the extra amounts added; my financial situation has decreased dramatically within the last 18 months.
Where do I stand with this? Can I “admit part of the amount claimed” and explain my situation to them?
This is very stressful for me and something I could do without right now.
Any help/advice will be much appreciated.
Thank you
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