Lowell/Bryan Carter CCJ

[bubblegum]

Hi all,

Hoping someone can help. My husband checked his credit file for the first time last year. he noticed there was a CCJ registered in 2014 by Bryan Carter Solicitors working on behalf of Lowell. He didn't know anything about the debt, after speaking to the court it was found to be an old phone contract. He hadn't heard anything from them since cancelling so didn't realise there was an cancellation charge. He contacted Bryan Carter asking them to agree to set aside the CCJ if he paid it in full (he doesn't deny he owes it, he just didn't know about it) they refused the offer & he was going to apply to the court for the set aside but today we have heard that Bryan Carters have gone bust & all the debts have returned to Lowell's in house solicitors.

I was just wondering if because Bryan Carter said no to agreeing the set aside would it be worth asking Lowell's solicitors & would they be more likely to agree?
Or if he told them that Bryan Carter had agreed to set aside but then they went bust? I know its bad to lie but he has never had a debt in his life, his credit report is perfect except this CCJ. I am pregnant & we want to buy a house & get settled before the baby comes but the mortgage companies won't touch us with his CCJ

[bubblegum]

Re: Lowell/Bryan Carter CCJ

Anyone?

[charitynjw]

Re: Lowell/Bryan Carter CCJ

Hi all,

Hoping someone can help. My husband checked his credit file for the first time last year. he noticed there was a CCJ registered in 2014 by Bryan Carter Solicitors working on behalf of Lowell. He didn't know anything about the debt, after speaking to the court it was found to be an old phone contract. He hadn't heard anything from them since cancelling so didn't realise there was an cancellation charge. He contacted Bryan Carter asking them to agree to set aside the CCJ if he paid it in full (he doesn't deny he owes it, he just didn't know about it) they refused the offer & he was going to apply to the court for the set aside but today we have heard that Bryan Carters have gone bust & all the debts have returned to Lowell's in house solicitors.

I was just wondering if because Bryan Carter said no to agreeing the set aside would it be worth asking Lowell's solicitors & would they be more likely to agree?
Or if he told them that Bryan Carter had agreed to set aside but then they went bust? I know its bad to lie but he has never had a debt in his life, his credit report is perfect except this CCJ. I am pregnant & we want to buy a house & get settled before the baby comes but the mortgage companies won't touch us with his CCJ

Hi bubblegum & welcome to LB.

How come your OH didn't receive any notification of the outstanding sum? (invoices, final notices, letter before action, court claim etc)

[bubblegum]

Re: Lowell/Bryan Carter CCJ

Hi bubblegum & welcome to LB.

How come your OH didn't receive any notification of the outstanding sum? (invoices, final notices, letter before action, court claim etc)

Hi Charitynjw,

We don't know. We contacted Lowell to check the addresses they had for him, for some reason they had his mums home address but she's never had anything posted for him from Lowell, Bryan Carter or the court until we made contact. They were given our address when we contacted them but his mum has called today to say another letter has been posted to hers today from Lowell

[charitynjw]

Re: Lowell/Bryan Carter CCJ

Hi Charitynjw,

We don't know. We contacted Lowell to check the addresses they had for him, for some reason they had his mums home address but she's never had anything posted for him from Lowell, Bryan Carter or the court until we made contact. They were given our address when we contacted them but his mum has called today to say another letter has been posted to hers today from Lowell

Ok,bubblegum.

Can you give us an update?

[bubblegum]

Re: Lowell/Bryan Carter CCJ

It was just a letter to say Bryan Carter is no longer handling his account & it has been passed back to Lowell