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Backdoor Lowells CCJ - Creation Finance Debt


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Hello,

 

Have been reading the threads on here for a while as my girlfriend has received a CCJ from Lowell Solicitors about an outstanding debt from Creation Consumer Finance.

 

The last payment on that debt was 1 Oct 2010 the CCJ was issued as I found out from the Trust Registry 6/10/2015

 

I have tried to get a CCA but that ship has already sailed as it's a CCJ.

 

The debt is for 738£ and she doesn't know what it's for.

 

At the time of the court, she was already living with me but I'm not aware of any letters or summons to court.

we moved to a house that I bought at the start of 2017.

 

At the time of the debt 2010-ish, she was with her former boyfriend and they had a mortgage, but that didn't go to plan and they split up and lost the house, her ex-boyfriend said he will take care of it, that is all she knows about the matter.

 

She is foreign and has a limited knowledge of English but she is really worried about the bailiffs coming to my property and doing what they do.

As I have learned quite a bit from this forum already, what would be the best course of action for her?

Edited by Andyorch
Paras
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I wouldn't worry about bailiffs

its a consumer debt there is NO right of entry forced or otherwise

so simply ignore them. and come back here if any do turn up.

 

pers id not be kicking pram wheels if lowlife or anyone has not been writing.

 

creation finance mainly did high street goods finance

 

https://www.consumeractiongroup.co.uk/forum/forumdisplay.php?340-Creation-Finance

 

Thread title amended.

Edited by Andyorch
Thread title amended added

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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She thought it could have been for something like a washing machine.

Still would be great if I could deter them from having their visit though it has been nearly 3 years from the CCJ and 8 from the debt.

 

Thank you for the link will have to read up on them.

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you would get a notification letter first I expect.

 

please forget about it...

 

they cannot force entry.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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