County court judgement Lowell.

**Debt Camel** · 4th February 2017, 16:55:PM

Re: County court judgement Lowell.

Hi Allbee,

I'll let the others carry on talking about your defence to this claim, I am just replying here to your

I physically don't have the money to pay the debts my husband left me with. Feel like I'm drowning with it all.

and the suggestion you should talk to National Debtline.

National Debtline 0808 808 4000 would be an excellent place to talk about your whole debt situation. They are a charity and completely confidential. (They are also good at advice about how to deal with Claim forms, but that is already in hand here.)

When you have got a lot of debts and little or no money to pay them, it is usually a mistake to try to sort them all out individually. If you win this one, then another one will pop up. You can spend years and have a lot of stress and in the end you can't defend one of them and get a CCJ. It may be better now to look at your options including insolvency - if your total debt are under £20,000 and you are renting, a Debt Releief Order may be your best option, see https://debtcamel.co.uk/debt-options/dro/ for an overview of they work. National Debtline can set up a DRO for you if this would work or talk through your other options.

**Allbee1** · 4th February 2017, 18:34:PM

Re: County court judgement Lowell.

Originally posted by Debt Camel View Post

Hi Allbee,

I'll let the others carry on talking about your defence to this claim, I am just replying here to your and the suggestion you should talk to National Debtline.

National Debtline 0808 808 4000 would be an excellent place to talk about your whole debt situation. They are a charity and completely confidential. (They are also good at advice about how to deal with Claim forms, but that is already in hand here.)

When you have got a lot of debts and little or no money to pay them, it is usually a mistake to try to sort them all out individually. If you win this one, then another one will pop up. You can spend years and have a lot of stress and in the end you can't defend one of them and get a CCJ. It may be better now to look at your options including insolvency - if your total debt are under £20,000 and you are renting, a Debt Releief Order may be your best option, see https://debtcamel.co.uk/debt-options/dro/ for an overview of they work. National Debtline can set up a DRO for you if this would work or talk through your other options.

Thank you for your advice I will contact them Monday see what can be done.
Thanks everyone for your help and advice your all fantastic people. Don't know what I would have done without this site.

**Allbee1** · 5th February 2017, 13:02:PM

Re: County court judgement Lowell.

Sorry to be a pain ! Do I send my defence I've drawn up on it's own or with the defence and counterclaim part of the claim form. Also do I send it to the court that's on the form ? Thank you.

**charitynjw** · 5th February 2017, 13:41:PM

Re: County court judgement Lowell.

Hi Allbee

The defence you have posted needs some work, imho.
But as previously stated, the other attachments you have posted won't open (for me, at least).

**Allbee1** · 5th February 2017, 14:11:PM

Re: County court judgement Lowell.

Hi I've reposted the files hopefully will open

Attached Files

**Allbee1** · 5th February 2017, 14:13:PM

Re: County court judgement Lowell.

They opened for nemesis son not sure why they won't open. If you could advise on what I could put in my defence. I would certainly appreciate that. Thanks

Attached Files

**MIKE770** · 5th February 2017, 14:35:PM

Re: County court judgement Lowell.

your account number showing on default notice etc

**Allbee1** · 5th February 2017, 14:43:PM

Re: County court judgement Lowell.

Originally posted by MIKE770 View Post

your account number showing on default notice etc

Sorry. Updated files thanks for that

**charitynjw** · 5th February 2017, 14:57:PM

Re: County court judgement Lowell.

Imho, as things currently stand they can argue that there is no valid CCA request pending (they claim that the £1 fee was missing).
If it were me I'd resend a copy of the original request to the Claimant (Lowells) with another £1 fee & a covering letter referring to their claim that the fee was not attached.
I would also send a copy of the CCA request to the solicitors (no fee with this one) with a covering letter stating that it is for information only, that their client had informed you that the fee was not enclosed with the original, & you have now rectified this by resubmitting the CCA request plus £1 fee on (date).

Then you can amend your defence accordingly.

**Kati** · 5th February 2017, 15:10:PM

Re: County court judgement Lowell.

Originally posted by charitynjw View Post

they claim that the £1 fee was missing

[MENTION=93640]Allbee1[/MENTION] ... was it a postal order you sent with the CCA request?? If so ... it looks like you can check if they have been cashed

- http://www.hotukdeals.com/ask/how-ch...cashed-1476101

To see if your Postal Order has been cashed you will need to write to:
Postal Order Correspondence Section
Post Office Ltd
1 Future Walk
Chesterfield
S49 1PF
You will need to enclose the receipt (please keep a copy) to include the reference number from the postal order, your name and address and a covering letter explaining the problem. Unfortunately, there is no other way to check to see if the Order has been cashed as a trace needs to be placed upon it and there is no facility to trace Postal Orders on-line.

xx

**Allbee1** · 5th February 2017, 15:21:PM

Re: County court judgement Lowell.

Originally posted by Kati View Post

@Allbee1 ... was it a postal order you sent with the CCA request?? If so ... it looks like you can check if they have been cashed

- http://www.hotukdeals.com/ask/how-ch...cashed-1476101
xx

Hi kati yes it was and I def posted it with the letter. I shall do as advised by charitynjw and repost as only got this week to reply. And also will be checking if it has been cashed as I know they are damn well lying or more than likely just being awkward.

Thanks you so much everyone.

- - - Updated - - -

Originally posted by charitynjw View Post

Imho, as things currently stand they can argue that there is no valid CCA request pending (they claim that the £1 fee was missing).
If it were me I'd resend a copy of the original request to the Claimant (Lowells) with another £1 fee & a covering letter referring to their claim that the fee was not attached.
I would also send a copy of the CCA request to the solicitors (no fee with this one) with a covering letter stating that it is for information only, that their client had informed you that the fee was not enclosed with the original, & you have now rectified this by resubmitting the CCA request plus £1 fee on (date).

Then you can amend your defence accordingly.

Thank you so much I will def repost tomorrow both registered mail again. And keep a copy.