Tweet
Hi, I am new to this forum, so please bear with me, I am just looking for some advice/Help.
In 2004 I took out finance on a van for a Bakery business I owned, I finished the business in May 2006 and continued paying the loan payments on the van for a further 3 months.
Due to personal/financial reasons I could no longer pay the van payments, and stopped paying. I have had several house moves and remarried since so I am under a new name.
In the last 12 months I have started receiving letters from Lowell finance then Fredrickson International and the most recent one from Bryan carter Solicitors. I have not replied to or acknowledged the letters whatsoever.
My maiden name was, xxxxx O'xxxxxxxxxxxx, but the debt letters have been sent to xxxxxxxxxx xxxxxxxxx. (the same without the O)
I have had cause to check my credit record and Lowell Financial have registered a default in May 2010 ( 4 years after I stopped paying) for the debt of £7344.77. The final amount I had left unpaid to my memory was around £2500.
The most recent letter from Carter is as follows:
We have been instructed by Fredrickson International Limited on behalf of Lowell Financial Limited to issue court proceedings on 07 April 2014 if payment of this debt is not received bys by that date.
If proceedings are issued, solicitors costs, court fees and interest will be added to the amount you owe and will be enforced against you if a judgement is subsequently obtained.
You must contact us on ************ to make payment before 07 April 2014 if you wish to avoid the matter going to court.
Please see the reverse of this letter for full details of the different types of payment methods we can accept. You can also manage your account online.
If you dispute liability for this debt please provide your reasons in writing and supply us with documents in support of any defence you may have.
A judgement order (CCJ) will remain on the register of judgement debts for a period of 6 years and may affect your ability to obtain credit in the future.
This matter has now reached a stage where you may want to obtain independent legal advice.
Pleas could anyone let me know my best course of action and whether they can legally enforce the debt and give me a CCJ.
Plus is it possible to have Lowell remove the default from my credit file.
Please don't judge me on not paying this debt, it was a difficult time in my life personally and professionally, and if my only course of action is to set up a payment plan to pay debt monthly then that is what I will do.
Thankyou.
In 2004 I took out finance on a van for a Bakery business I owned, I finished the business in May 2006 and continued paying the loan payments on the van for a further 3 months.
Due to personal/financial reasons I could no longer pay the van payments, and stopped paying. I have had several house moves and remarried since so I am under a new name.
In the last 12 months I have started receiving letters from Lowell finance then Fredrickson International and the most recent one from Bryan carter Solicitors. I have not replied to or acknowledged the letters whatsoever.
My maiden name was, xxxxx O'xxxxxxxxxxxx, but the debt letters have been sent to xxxxxxxxxx xxxxxxxxx. (the same without the O)
I have had cause to check my credit record and Lowell Financial have registered a default in May 2010 ( 4 years after I stopped paying) for the debt of £7344.77. The final amount I had left unpaid to my memory was around £2500.
The most recent letter from Carter is as follows:
We have been instructed by Fredrickson International Limited on behalf of Lowell Financial Limited to issue court proceedings on 07 April 2014 if payment of this debt is not received bys by that date.
If proceedings are issued, solicitors costs, court fees and interest will be added to the amount you owe and will be enforced against you if a judgement is subsequently obtained.
You must contact us on ************ to make payment before 07 April 2014 if you wish to avoid the matter going to court.
Please see the reverse of this letter for full details of the different types of payment methods we can accept. You can also manage your account online.
If you dispute liability for this debt please provide your reasons in writing and supply us with documents in support of any defence you may have.
A judgement order (CCJ) will remain on the register of judgement debts for a period of 6 years and may affect your ability to obtain credit in the future.
This matter has now reached a stage where you may want to obtain independent legal advice.
Pleas could anyone let me know my best course of action and whether they can legally enforce the debt and give me a CCJ.
Plus is it possible to have Lowell remove the default from my credit file.
Please don't judge me on not paying this debt, it was a difficult time in my life personally and professionally, and if my only course of action is to set up a payment plan to pay debt monthly then that is what I will do.
Thankyou.
Comment