Tweet
Hello my first post here hopefully someone can help, any advise appreciated.
I fell behind on credit card a few years back and buried my head in the sand and they sold the debt (£ 1,700 ) on to BW Legal who contacted me, I still buried my head in the sand stupidly until they sent a letter saying they knew I was a home owner and would be looking to make me bankrupt, it was enough for me to listen and an arrangement was made to repay at £150 per month and no more legal action would be taken.
Moving on to February this year all payments completed on time, thought it was finally finished as the correct amount of payment made and the said amount finished. I then received a letter in April stating there was an amount of £1 left on the account and if it was not paid they would issue county court! I was actually amused at first but then got angry as the £150 per month had been a real struggle but had done my level best to sort it out and stupidly I put it to the back of my head! was that ever a wrong plan.
I have received a ccj notice in the name of Lowell Portfolio acting for their client BW Legal, it is the same reference number and original amount, however they are claiming £552.03 + £60 court fee + £70 solicitors cost a total of £682.03! how? I contacted the court with the appropriate paper work including copies of the payments the final letter from them and questioned how another £552.03 could possibly due, this was my defense and really thought that someone with an ounce of sense would deal with it accordingly. No such luck I have now had notice they are going to proceed if I do not pay the full amount. I have contacted them and they said if I pay up before the ccj date they will drop the court charge and solicitor charge off. So again I request from them a detailed account and an explaination of where the £552.03 has come from, the reply was the account had not been paid in full ( that £1 remember) so they have applied interest and the amount is back dated from the start of the agreement assignment.
Is this legal? how can they send me a letter saying £1 is left owing and then go to court for £552.03? I just do not see how to move now, I do not want to go to court and loose but the thought of having to pay the £150 a month again till the interest is paid has got me and the wife right down, just when we thought we had dealt with it, any help please>>
Moving on to February this year all payments completed on time, thought it was finally finished as the correct amount of payment made and the said amount finished. I then received a letter in April stating there was an amount of £1 left on the account and if it was not paid they would issue county court! I was actually amused at first but then got angry as the £150 per month had been a real struggle but had done my level best to sort it out and stupidly I put it to the back of my head! was that ever a wrong plan.
I have received a ccj notice in the name of Lowell Portfolio acting for their client BW Legal, it is the same reference number and original amount, however they are claiming £552.03 + £60 court fee + £70 solicitors cost a total of £682.03! how? I contacted the court with the appropriate paper work including copies of the payments the final letter from them and questioned how another £552.03 could possibly due, this was my defense and really thought that someone with an ounce of sense would deal with it accordingly. No such luck I have now had notice they are going to proceed if I do not pay the full amount. I have contacted them and they said if I pay up before the ccj date they will drop the court charge and solicitor charge off. So again I request from them a detailed account and an explaination of where the £552.03 has come from, the reply was the account had not been paid in full ( that £1 remember) so they have applied interest and the amount is back dated from the start of the agreement assignment.
Is this legal? how can they send me a letter saying £1 is left owing and then go to court for £552.03? I just do not see how to move now, I do not want to go to court and loose but the thought of having to pay the £150 a month again till the interest is paid has got me and the wife right down, just when we thought we had dealt with it, any help please>>
Comment