Lowel group

[Welsh-mike]

Hi group, in a bit of a bind, had an iPad with orange and they tried taking my monthly charge out on wring day so it was rejected and then took it out again and same issue so bank blocked it I contacted orange about this and they then added the amount of iPad and remainder of contract which couldn't pay next thing getting letter immediately from debt collectors I have contacted them and explained how orange acted and just fell on deaf ears and lowel and fredrickson both just ignoring situation and demanding money and charges on top fast forward and now have a ccj against me for £523 rang up lowel and they claiming it's more than that it's £596.4, due to warrant fees been added on top even tho I have checked on my online credit score and it's £523, and advice or help dealing with this as ccj amount is stopping me from getting a buisness loan, anythin that may help would be gratefully appreciated