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Good afternoon,
I wanted some advice on how to deal with this, it may be a little long but I intend to provide full details.
In January 2007 I had gone OD with my bank at that time for a small amount, I cannot recall the exact amount but the bank charged me with the following for 6 continuous months:
INT TO JAN £30.88
INT TO FEB £39.70
INT TO MAR £33.11
INT TO APR £33.56
INT TO MAY £43.73
INT TO JUN £33.19
IBP *FROM SUSPENSE* JUL £690.40
IBP *FROM SUSPENSE* JUL £33.19
INT ADJ/CLOSE JUL £45.61
BAL TO BBD FINCON JUL £2,130.05
INT TO CLOSE JUL £10.69
INT LAST PER'D JUL £34.92
The above was a print out provided by the bank (after going in to branch to request it).
My reason for this post is I've not been overly savvy with knowing my rights as a consumer or the legalities and please don't take this post as a way for me to dodge any money I rightfully owe, which I am more than happy to pay back but what I find is wrong is in December of 2015 I received a letter from Lowell stating I owe £3,150 and the client being the bank.
I decided to look a little further into the matter and only come to realise 4 weeks ago that Bryan Carter Solicitors have a (CCJ) judgement against me in 2013 for the above amount, which I assumed has been sold onto Lowell to collect. I want to get my head around how a small OD managed to land me with a CCJ and debt amount which is more than a loan or credit card debt!
Where do I stand with this matter, as I want all the information and charges for the account to be provided to me. Surely, Lowell should be able to provide me with this right?
As far as I know the account was defaulted in July 2007 and the judgement granted in September 2013, how could the judge allow a CCJ to be applied after so many years?! I have never received any form of documents from any company up until December 2015 when Lowell sent a letter for the debt.
Is there a letter I could send to Lowell to provide me with full details or original debt along with charges added to the account so I could if need be take this to court to have set aside as I feel they had more than enough time to apply for a judgment surely not 6 years later?!
Any and all advice would be much appreciated.
I wanted some advice on how to deal with this, it may be a little long but I intend to provide full details.
In January 2007 I had gone OD with my bank at that time for a small amount, I cannot recall the exact amount but the bank charged me with the following for 6 continuous months:
INT TO JAN £30.88
INT TO FEB £39.70
INT TO MAR £33.11
INT TO APR £33.56
INT TO MAY £43.73
INT TO JUN £33.19
IBP *FROM SUSPENSE* JUL £690.40
IBP *FROM SUSPENSE* JUL £33.19
INT ADJ/CLOSE JUL £45.61
BAL TO BBD FINCON JUL £2,130.05
INT TO CLOSE JUL £10.69
INT LAST PER'D JUL £34.92
The above was a print out provided by the bank (after going in to branch to request it).
My reason for this post is I've not been overly savvy with knowing my rights as a consumer or the legalities and please don't take this post as a way for me to dodge any money I rightfully owe, which I am more than happy to pay back but what I find is wrong is in December of 2015 I received a letter from Lowell stating I owe £3,150 and the client being the bank.
I decided to look a little further into the matter and only come to realise 4 weeks ago that Bryan Carter Solicitors have a (CCJ) judgement against me in 2013 for the above amount, which I assumed has been sold onto Lowell to collect. I want to get my head around how a small OD managed to land me with a CCJ and debt amount which is more than a loan or credit card debt!
Where do I stand with this matter, as I want all the information and charges for the account to be provided to me. Surely, Lowell should be able to provide me with this right?
As far as I know the account was defaulted in July 2007 and the judgement granted in September 2013, how could the judge allow a CCJ to be applied after so many years?! I have never received any form of documents from any company up until December 2015 when Lowell sent a letter for the debt.
Is there a letter I could send to Lowell to provide me with full details or original debt along with charges added to the account so I could if need be take this to court to have set aside as I feel they had more than enough time to apply for a judgment surely not 6 years later?!
Any and all advice would be much appreciated.
