Very to Lowell.

[Pie]

Afternoon.
My sons Very.co.uk debt of £800 has been passed/sold to Lowell.

Lowell have now sent their first demand for payment/arrangement but to a totally different address where he or us his family has never lived. We got the letter delivered where we do live as the postman knows us and used his common sense as the 2 addresses are nearby but 2 totally different properties.

My son does owe the money apparently but I did wonder about them sending their demand to the wrong address as we do not know the occupiers there or them us.

Obviously I am not going to tell Lowell.

Many thanks in advance for any forthcoming advice.

Pie.

[Celestine]

Has Lowell sent all letters to the incorrect address? You should have received an assignment notice letter first of all.
What year was the Very account opened?
What were the reasons for default? What address was he at when the account was operating?
The wrong address is proof of poor tracing by Lowell, but in a way it is better to know what they are up to rather than being totally in the dark. Presumably your son does not want a court judgment against him; which would sit on his file for six years.

[Pie]

Thank you for replying.

Can a CCJ be granted if they've been sending documents to the wrong address. An address that he's never lived at and doesn't live at now. He/We have no connection to the address at all

I think he opened the account whilst living here with his family about 2 years ago and stopped paying when he lost his jobs. He works now.

[Pie]

He received no assignment notice beforehand just a normal bill now I should add.

[MIKE770]

they lowells try that as no response they apply and get automatic CCJ against a person,

[Celestine]

Yes unfortunately CCJ's are awarded against people all the time for wrong addresses. It is not uncommon for people to be totally unaware of a CCJ until they try to get credit.
For such a recently opened Very account, Lowell will very likely have all the necessary documents to hand, so it will be risky to ignore them. As it was a temporary blip in his income, could he not get an affordable payment plan set up with Lowell now things are improving? Even if its just a small amount monthly it will get the debt repaid and protect his credit file.

[Pie]

Yes I've suggested a payment plan to him also Celestine I was just concerned why they have a totally different address for him. Thanks for advice all.

[Guest]

I posted this same problem a short time ago, letters to the wrong address, then CCJ, granted, low and behold Court papers sent to correct address, seems a regular occurrence.

[Celestine]

It is a very regular occurrence sadly and with it costing £255 to apply to set aside such mistaken judgments it is a very unfair situation. Debt companies employ dozens of tracing agents who use electoral rolls, credit files and social media to track down debtors, sometimes with very poor results. Thank goodness your postman is helpful and smart, he just saved your son a huge headache. Good luck!

[Pie]

Judges should refuse a CCJ if papers ain't served to the correct address but we like to think that we brought him up well and that he must pay his debt.

[Pie]

I suspect they've inserted our postcode then house number and it's thrown up a completely different address which it sometimes does according to certain address databases. Thanks Celestine.