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I'm sorry if I sound really stupid - I'm not, but I just went into crazed panic mode. This is rather a long story so I'll try to make it brief. I defaulted on a catalogue account in 2012. I did try to come to an agreement with them but they were demanding huge repayments. I heard nothing until September 2015 when Lowell Financial contacted me. Unfortunately the letter had been opened and I could not make out the reference number. I did try to contact Lowell who would not discuss the matter without the reference.
I heard nothing until June 2016 when I was contacted by Lucas who are apparently part of Lowell. I offered them 30 per month which they did not officially accept but neither did they decline it. I continued to pay this until December last year when my payment was late. I did email to advise them of this (it was only a week or so late). The next thing I get in February this year is a claims form! Stupid me sent off an acceptance online but did state that I didn't think the claim was valid because I had been making payments and did not receive the Letter Before Action. I was just really scared of bailiffs etc coming round to my house. Anyway, after I had sent off the acknowledgment of service I realised that I could defend this after all (though I do not dispute that I owe the money). I asked the claimant and their solicitors for a CPR request. They did not comply. I tried to amend my A/S online but could not so I contacted the court who told me to ring the solicitors. They said 'oh don't worry we've accepted your offer which you were paying anyway, that's the end of it'. I did not realise that this meant a CCJ!!!!!
I am so worried. My young daughter and I will have to leave our current accommodation in June as our landlord is selling up. No letting agency is going to touch me with a CCJ so I was wondering if there is any way I can get this set aside.
Any help would be very gratefully received. I think I got confused with the idea of 'admission' because I don't deny that I owe the money and in any event I was making payments. I just wanted to carry on doing that.
I heard nothing until June 2016 when I was contacted by Lucas who are apparently part of Lowell. I offered them 30 per month which they did not officially accept but neither did they decline it. I continued to pay this until December last year when my payment was late. I did email to advise them of this (it was only a week or so late). The next thing I get in February this year is a claims form! Stupid me sent off an acceptance online but did state that I didn't think the claim was valid because I had been making payments and did not receive the Letter Before Action. I was just really scared of bailiffs etc coming round to my house. Anyway, after I had sent off the acknowledgment of service I realised that I could defend this after all (though I do not dispute that I owe the money). I asked the claimant and their solicitors for a CPR request. They did not comply. I tried to amend my A/S online but could not so I contacted the court who told me to ring the solicitors. They said 'oh don't worry we've accepted your offer which you were paying anyway, that's the end of it'. I did not realise that this meant a CCJ!!!!!
I am so worried. My young daughter and I will have to leave our current accommodation in June as our landlord is selling up. No letting agency is going to touch me with a CCJ so I was wondering if there is any way I can get this set aside.
Any help would be very gratefully received. I think I got confused with the idea of 'admission' because I don't deny that I owe the money and in any event I was making payments. I just wanted to carry on doing that.
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