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Please can we ask for some help...my husband received letters from Lowell regarding a loan and bank account he had with lloyds and defaulted on due to struggling finances.
He contacted them and agreed several times to pay by installments. They kept telling him that they would set it up and advise him of when to start paying.
Earlier this year, he received another letter but this time telling him that the case would be dealt with by our local court. He called them as there was nothing prior to this and asked them for more details. He offered to pay £50.00 a month at this stage and again the gentlemen would not take his money but said to await details of how and when to pay. I actually took the telephone from him and asked for more details about the debt just to make sure they were not a hoax.
Then we got another letter saying that we had to place the smaller debt of just under £2,000 on our house as they had received permission from the court and then land registry wrote to us. We signed them and returned them so they now have a stake in our home as we were unable to clear the debt.
We are both in lower paid jobs, my husband had to change his job after his father died suddenly on my husbands 50th birthday and he could not function for months. I lost my full time job and now work part time earning a lot less.
Today we came home to find a letter which had been posted with royal mail and franked from our local court. It says the baliff called at our address today to give my husband some papers. They did not call at our property the letter was posted...I have the envelope and there is no date on the letter.
We called the 0844 number only to be told to call an 0300 number. The person who dealt with our call said the baliff has to come back and serve papers for an attachment of earnings. We explained that this is not a route we wish to take and how can this be without a CCJ or other action in place. She just kept saying that we needed to receive the paperwork.
I asked her where she was and she said Leicester !! How can that be when the letter says the baliff is at our local county court. I asked her who i had called and she said HM Courts and Tribunals Service.
I challenged her about the letter being posted, she was adament that it had been delivered and asked for the date on the letter....there is no date.
After this we googled and one of the things it said to do was obtain credit files. I have just done that for my husband and Lowells have been searching his account non-stop !!
To our amazement they have 2 CCJ'S recorded and we had no idea. Is this allowed?
We do not know what to do now...please may someone on your website help us urgently.
Thanks in advance. ....This has made us feel sick beyond belief !!!
He contacted them and agreed several times to pay by installments. They kept telling him that they would set it up and advise him of when to start paying.
Earlier this year, he received another letter but this time telling him that the case would be dealt with by our local court. He called them as there was nothing prior to this and asked them for more details. He offered to pay £50.00 a month at this stage and again the gentlemen would not take his money but said to await details of how and when to pay. I actually took the telephone from him and asked for more details about the debt just to make sure they were not a hoax.
Then we got another letter saying that we had to place the smaller debt of just under £2,000 on our house as they had received permission from the court and then land registry wrote to us. We signed them and returned them so they now have a stake in our home as we were unable to clear the debt.
We are both in lower paid jobs, my husband had to change his job after his father died suddenly on my husbands 50th birthday and he could not function for months. I lost my full time job and now work part time earning a lot less.
Today we came home to find a letter which had been posted with royal mail and franked from our local court. It says the baliff called at our address today to give my husband some papers. They did not call at our property the letter was posted...I have the envelope and there is no date on the letter.
We called the 0844 number only to be told to call an 0300 number. The person who dealt with our call said the baliff has to come back and serve papers for an attachment of earnings. We explained that this is not a route we wish to take and how can this be without a CCJ or other action in place. She just kept saying that we needed to receive the paperwork.
I asked her where she was and she said Leicester !! How can that be when the letter says the baliff is at our local county court. I asked her who i had called and she said HM Courts and Tribunals Service.
I challenged her about the letter being posted, she was adament that it had been delivered and asked for the date on the letter....there is no date.
After this we googled and one of the things it said to do was obtain credit files. I have just done that for my husband and Lowells have been searching his account non-stop !!
To our amazement they have 2 CCJ'S recorded and we had no idea. Is this allowed?
We do not know what to do now...please may someone on your website help us urgently.
Thanks in advance. ....This has made us feel sick beyond belief !!!
xxx ( DONE )
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