Hello all,i would some guidance on the situation i find myself in.This past 18 months i have been hassled by Lowells and then Overdales over monies they say i owe them
I followed the 3-part letter route with DCA and FOI to the OC.
However i have now received a CCJ (by default) .I had planned to defend the claim and said so online in my acknowledgement of service.However i didnt send in my defense on time as the recent passing of my mother and funeral arrangements in December took all my attention.The CCJ orders payments of £100 per month starting 23/2/2024.I am unemployed ,my partner works 32 hours per week and she receives Universal Credit payments.The 'debt' is in my name only.
I have looked at what can be done to get the payments reduced and i can only see the N245 application as an option?Should i contact the DCA or Northampton Civil Business fake court?
Regards
I followed the 3-part letter route with DCA and FOI to the OC.
However i have now received a CCJ (by default) .I had planned to defend the claim and said so online in my acknowledgement of service.However i didnt send in my defense on time as the recent passing of my mother and funeral arrangements in December took all my attention.The CCJ orders payments of £100 per month starting 23/2/2024.I am unemployed ,my partner works 32 hours per week and she receives Universal Credit payments.The 'debt' is in my name only.
I have looked at what can be done to get the payments reduced and i can only see the N245 application as an option?Should i contact the DCA or Northampton Civil Business fake court?
Regards
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