Lowell Finance chasing me

[Nibbler]

Re: Lowell Finance chasing me

Instalments over how long? If you can set aside and pay soon enough to avoid a new CCJ being registered permanently then it may be worth it. If not then you would risk just ending up with newer judgement on your file.

[FlamingParrot]

Re: Lowell Finance chasing me

To add to all the helpful comments above, :yo: you can apply to have the judgment set aside on the basis that you did not receive the court papers at the time, but you would have to show to the court that your creditor had your current address and that you have a viable defence, otherwise the claim could be re-issued and you'd end up with a CCJ once more, back to square one.

If you were making token payments, then the debt wouldn't have been statute barred because it requires 6 years without payment or written acknowledgment.

To apply for a set aside, you'll need to fill out an N244. There is a £80 fee which may not make it worthwhile given the small amount of your judgment, although you may be able to get the fee waived if you are on a low income or reliant on benefits. :thumb:

See this for full info: http://www.nationaldebtline.co.uk/en...e_county_court

[chil]

Re: Lowell Finance chasing me

I don't think I want to take the risk with the fee as I really don't have that sort of money. I could pay £30 a month and the debt paid off in a year but it's whether Lowells will accept it and if they don't then it means that I have admitted the debt.

[QCKate]

Re: Lowell Finance chasing me

I don't think I want to take the risk with the fee as I really don't have that sort of money. I could pay £30 a month and the debt paid off in a year but it's whether Lowells will accept it and if they don't then it means that I have admitted the debt.

Youve admitted the deby anyway Chili by the last paymen to crap 1. If £30 a month is all thats affordable Criminolwells will have to accept it and its a very reasonable amount anyway so they probably will without too much trouble.

QCK

[charitynjw]

Re: Lowell Finance chasing me

But if it were me, I wouldn't deal with them 'direct'.

DCA's often move the goalposts after a while.

I would approach them through a free advisory service, ie http://www.stepchange.org/

See post #14 above.

& http://www.legalbeagles.info/forums/...372#post352372
Post #7

[chil]

Re: Lowell Finance chasing me

Thanks for the advice, I have had a look at your link Charitynjw but don't think it will help. I am going to write to Lowell's to offer a monthly payment but don't really know how to approach it.