Unknown CCJ

[nemesis45]

Re: Unknown CCJ

Im not sure it did say that. It was from a template Nemesis sent me.

Am i just going to have to suck this up and start paying?

Personally I would not consider any payment until it is clear what this debt is.

nem

[lpd79]

Re: Unknown CCJ

Personally I would not consider any payment until it is clear what this debt is.

nem

Thanks for all your help with this Nem.

How would i proceed though, as i have the letter from Lowells solicitors mentioning baliffs, attachment of earnings etc?

[nemesis45]

Re: Unknown CCJ

Thanks for all your help with this Nem.

How would i proceed though, as i have the letter from Lowells solicitors mentioning baliffs, attachment of earnings etc?

Ahh the Lowell we might , we could we may do xxxxxxxxxxxxxx if you don't do as you are told letter!
Lets go back over this:

1. Unknown CCJ.

2. It's Lowell as the claimant.

3. You did not receive any court documents ( Claim Pack)?

4. You have been in contact with Lowell and they don't have an account which matches that on the CCJ?

5. Why How has Lowell issued a claim for an account that they don't have.?


OR is this just one giant F' UP by Bryan the Brain Carter which Lowell " solicitors are now perpetuating.

[lpd79]

Re: Unknown CCJ

Ahh the Lowell we might , we could we may do xxxxxxxxxxxxxx if you don't do as you are told letter!
Lets go back over this:

1. Unknown CCJ.

2. It's Lowell as the claimant.

3. You did not receive any court documents ( Claim Pack)?

4. You have been in contact with Lowell and they don't have an account which matches that on the CCJ?

5. Why How has Lowell issued a claim for an account that they don't have.?


OR is this just one giant F' UP by Bryan the Brain Carter which Lowell " solicitors are now perpetuating.

I thought it would be easy for them to do any of them now they have a CCJ in place?

1. Unknown CCJ. - I know what its for now, but is at least 10 year old and not for 6k

2. It's Lowell as the claimant. - Yes

3. You did not receive any court documents ( Claim Pack)? - No as technically i hadn't updated my address as i believed this was statute barred

4. You have been in contact with Lowell and they don't have an account which matches that on the CCJ? - So they say

5. Why How has Lowell issued a claim for an account that they don't have.? - Not sure but the CCJ definitley shows on my credit profile!

Im so annoyed and upset with myself over this.

[nemesis45]

Re: Unknown CCJ

I thought it would be easy for them to do any of them now they have a CCJ in place?

1. Unknown CCJ. - I know what its for now, but is at least 10 year old and not for 6k

2. It's Lowell as the claimant. - Yes

3. You did not receive any court documents ( Claim Pack)? - No as technically i hadn't updated my address as i believed this was statute barred

4. You have been in contact with Lowell and they don't have an account which matches that on the CCJ? - So they say

5. Why How has Lowell issued a claim for an account that they don't have.? - Not sure but the CCJ definitley shows on my credit profile!

Im so annoyed and upset with myself over this.

You're not alone lpd.

I've been without internet on and off for 2 days so playing catchup here.

Please save ne going through 90+ posts when was the last payment /acknowledgment of the debt? Could it have been statute barred on the date the claim was issued?

nem

[lpd79]

Re: Unknown CCJ

You're not alone lpd.

I've been without internet on and off for 2 days so playing catchup here.

Please save ne going through 90+ posts when was the last payment /acknowledgment of the debt? Could it have been statute barred on the date the claim was issued?

nem

In all honesty im not sure when the last payment was. I was paying £1 to a debt a few years back but not sure if it was this, but even that would be close to 6 years. The debt is at least 10 years old.

I have spoken to Bryan Carters on the phone since it was issued, as thats when they offered me 50% off.

I just dont want baliffs turning up at my door when my kids are home, or them to contact my place of work.

[lpd79]

Re: Unknown CCJ

In all honesty im not sure when the last payment was. I was paying £1 to a debt a few years back but not sure if it was this, but even that would be close to 6 years. The debt is at least 10 years old.

I have spoken to Bryan Carters on the phone since it was issued, as thats when they offered me 50% off.

I just dont want baliffs turning up at my door when my kids are home, or them to contact my place of work.

Bump if anyone has any more advice.

[lpd79]

Re: Unknown CCJ

Hello [MENTION=55034]nemesis45[/MENTION]

I have had another letter, again from Lowell solicitors.

Says i am now £550 in arrears and i need to pay these asap to bring the account up to date.

Should i just start paying this at the requested £50 a month? CCJ is for 6k although original loan was only around 4k.

This has been making me ill the last few month, i cant believe ive let this happen after sorting the rest of my finances out. I would of bloody replied if id received the papers.

Any more advice or do i just need to start paying this at £50pm?

Thank You

[nemesis45]

Re: Unknown CCJ

Hello @nemesis45

I have had another letter, again from Lowell solicitors.

Says i am now £550 in arrears and i need to pay these asap to bring the account up to date.

Should i just start paying this at the requested £50 a month? CCJ is for 6k although original loan was only around 4k.

This has been making me ill the last few month, i cant believe ive let this happen after sorting the rest of my finances out. I would of bloody replied if id received the papers.

Any more advice or do i just need to start paying this at £50pm?

Thank You

Hello Ipd,.
Yes you should start paying the £50.00 now. TBH I thought you had started payments, can you meet the arrears or offer an increased payment>

Are you not now considering set aside?

nem

[lpd79]

Re: Unknown CCJ

I didnt go ahead with the set aside as every where i read says if you havent told them about an address change then its your fault. But i didnt tell them as i thought all my debts were statute barred, so didnt have to tell them.

[lpd79]

Re: Unknown CCJ

Also one last question, after 6 years the CCJ drops off my credit file but at that point it wont be paid off? What would happen in regards to a mortgage application? Would i need to declare the debt, or would it not be know about?

[nemesis45]

Re: Unknown CCJ

Also one last question, after 6 years the CCJ drops off my credit file but at that point it wont be paid off? What would happen in regards to a mortgage application? Would i need to declare the debt, or would it not be know about?

As you no doubt are aware the mortgage application " questionnaires " are at present very searching questions such as "have you had a CCJ in the past x years" some ask for info going back 5-6 years, but what maybe required when your CCJ comes off the records is to say the least unpredictable at this point.

nem