Hi everyone,
Just to let you know, I am an avid (addicted!) reader of this forum and think it's fantastic that people are sticking up for themselves and reclaiming their rights.
I have had a CCJ registered against me for 4-5 years now due to not receiving the paperwork from Capital One and moving addresses. one thing has struck me today however..
on my credit file, the limit is £200, yet the amount 'due' is £560
does this mean £360 of this was charges?
as-well as this, the account was passed on to Lowell Portfolio ltd. after CCJ issued and I entered into a payment plan to pay them £50 a week on a balance of £442 a few months ago which has now been paid - for the same debt... (their client is Capital One and I only ever had 1 account with them)
now, does this mean that the CCJ is satisfied as it is the same debt... even though the amounts differ?
Also, who would be required to send a certificate of satisfaction as CapOne passed on the debt after recording a CCJ against my name, so is it the old owner (capone) or the new owner (lowell) that does this?
(of course, the certificate of satisfaction may not be needed if the N244 case allows the CCJ to be set aside...)
sorry if im being dense, some topics on here make my mind spin, i'm not cut out for law it seems!
who owns my debt, capOne or Lowell? CCJ and default, 2 sep. companies. N244 issued 
