Thanks for the link.

Well at the time I had zero money, so agreed it with the court. Yeah, both were judgement by default, could kick myself!!

but we know for the behavious of parking co's that they do this sort of thing on purpose and often when they know that there is no substance to the claim and a claim issued to the correct(known) address would not be successful. It is more about malice than debt recovery.

If theyre writing to her current address dx, they already know the OP is there. If it gets served on the old address, the OP could claim the DCA knew she was at the new address anyway but still filed on an old one

Yes, defend it

Ok I’ll ignore and if they send a proper LBA/claimform I’ll be back for advice!

 

The 2014 CCJ is there until 2020 now. It was for a mobile phone contract that defaulted in 2013 too.

 

By the way, if I did get a claim form, is there anything I could do at that stage to shake them off?

Just after some general advice/opinions.

Lowell occasionally send letters chasing an alleged debt.

They're not frequent but when they do come through, like recently, they offer a discount.

This time it was 60% off the debt.

The alleged debt defaulted around 5 and a half years ago.

It's for around 5k.

My question is: in your experience, are these letters leading up to something or is it usually a case that they're trying their luck? I'm just not sure why they would send huge discount letters and not a claim form, as it's quite an old debt.

Has anyone had these in the past and then subsequently had a claim form through?

Any advice welcome.

have you moved since taking this out?

discounts like that mean the debt is pretty much unenforceable, and theyre hoping they can bluff you into paying something before they sell it to someone else.

easiest options for you are either ignore them, and see if they send a Letter before claim, which they have to do if they want to take it further, then issue a CCA request to call their bluff, or issue a CCA request now to call their bluff with paperwork

have you moved since taking this out?

Yes, but they send to my current one.

discounts like that mean the debt is pretty much unenforceable, and theyre hoping they can bluff you into paying something before they sell it to someone else.

 

easiest options for you are either ignore them, and see if they send a Letter before claim, which they have to do if they want to take it further, then issue a CCA request to call their bluff, or issue a CCA request now to call their bluff with paperwork

Hope so! If they were able to enforce them, you'd think they'd just issue a claim, right?

old and new threads merged

please keep to one thread

now read the thread again from post 1

its already explained to you.

The fact youre on here asking questions about paying or what they will offer next shows their tricks have an effect on you.

old and new threads merged

please keep to one thread

now read the thread again from post 1

its already explained to you.

My latest post is separate from what I posted before, so prefer them not merged.

I'm just asking for some anecdotal (based on personal accounts) evidence of people getting these 'offer' letters and the ultimate outcome.

Thanks.

The fact youre on here asking questions about paying or what they will offer next shows their tricks have an effect on you.

True. Wonder if anyone else has experience in the same situation?

Well no its not

And anyway

Far more people will see your question here than posting to a new thread that people have to find and read

As you do everyone that posted to your thread or sub'd to it gets an email too alerting to the q

Sadly though addressing you new q

There is no set rule to if it means or not court is more likely

My educated guess is (and this is why i merged threads)

As it stands the automated threat-o-machine..doesnt know they legally know your new address as no human is involved yet..so is sending them in the hope of no reply and THEN will flag it for possible litigation..

Then a human will see their error and not try a backdoor easy win default ccj

So now you should understand how you got the two you relate to in the merged thread here

Hth

Dx