Lowell Solicitors sent me a letter in December 2018 saying on 08/08/16 a CCJ was entered against you and you were ordered by the court to pay £50 per month. I haven't paid anything on it.

It says they are considering options to enforce the CCJ as its in arrears.

The amount of the CCJ is £499.13

It also says to avoid the possibility of enforcement action we need to agree a payment plan with you.

This CCJ was issued years ago to an old address, i now know it's my responsibility to inform them of my new address and my circumstances at the time would not allow me to do that but i was just hoping for some advice.

It was originally a Capital one credit card.

Thanks

global debt situation is here

https://www.consumeractiongroup.co.uk/forum/showthread.php?492645-various-old-debt-help-please

I would suspect this will resolve itself by using an n245

but as you are unemployed there is little they can really do to you.

see what the experts say.

" This CCJ was issued years ago to an old address, i now know it's my responsibility to inform them of my new address and my circumstances at the time would not allow me to do that but i was just hoping for some advice. "

What were your circumstances ?

Can you afford to pay the £50 per month now ?

Andy

Hi Andy thanks for the reply.

I have around £150 saved up in a credit union , i have also had a medical assessment for PIP benefit which would boost my income a little bit. I currently receive ESA . Is paying £50 a month my best option?

- - - Updated - - -

Also my circumstances i was homeless and i had a severe drinking problem.

I've coped this info from my other thread incase it's more suited on here.

Thanks for your replies!

I have looked through a drawer i was shoving letters in,

I've received 3 letters from Lowell Financial LTD. in the past 2 months.

The accounts are:

-JD Williams £217.04

-Vodafone £780.07

-Vanquis £800.00

Letter #1 is dated: 28th November 2018

contents:

"Having assessed our options, we are considering instructing our solicitors to take legal action against you on one of the above accounts if you do not come into contact with us and agree an affordable payment plan.

letter #2 dated 12/12/28

Contents

Top half - We may instruct solicitors to take legal action to recover one of the above accounts unless i arrange a suitable payment arrangement on ALL accounts.

bottom half - Offering 20% discount on all of your above accounts if you setup a repayment plan by 26/12/18.

Letter #3 Dated 27/12/18

Contents

"We recently wrote to inform you that if you do not contact us to agree how you will repay your accounts , or let us know why you are unable to do this, we may take legal action on one of the accounts listed above.

We have now selected your vodafone account with the Lowell reference ##### for possible legal action.

Legal Action Assessment of your vodafone account.

If you do not contact us by 10/01/19 to agree repayment solicitors may be instructed to take legal action to recover the selected account.

This means court fee's solicitor costs etc etc will be added to the account which will increase the amount owed.

Thanks for your replies!

Hi

I would submit the following and make an affordable offer...get it on a legal footing.

https://www.consumeractiongroup.co.uk/forum/showthread.php?406098-LEGAL-N245-Application-for-suspension-vary-an-order-**Correct-as-at-Feb-2017**

You may be exempt from the fee for the above £50...read here.

https://www.consumeractiongroup.co.uk/forum/showthread.php?406096-LEGAL-EX160-160A-160c-Court-Fees-are-you-exempt-**Correct-as-at-April-2018**

Andy

Thanks for the reply Andy , is this CCJ a debt i will have to pay ? So should i look at paying as much as i can afford to clear it quicker? Or is it acceptable to offer a £1-10 token payment on the CCJ ?

you only offer what you can comfortably pay on an ongoing basis.

taking into account that your situation might not stay stable, don't run yourself short.

its worthy to note they cant be that serious if they've waited 2yrs+

offer £10

Thanks for the reply Andy , is this CCJ a debt i will have to pay ? So should i look at paying as much as i can afford to clear it quicker? Or is it acceptable to offer a £1-10 token payment on the CCJ ?

When you complete the N245 I&E this will reflect your financial position..your offer should be made in line with the figures presented.

Thanks a lot for the replies i am going to get onto that this week. Do i send it straight to the court? I'm not sure which court or do i send it to Lowell solicitors ?

Thanks!

your local court will do.?

Thanks a lot for the replies i am going to get onto that this week. Do i send it straight to the court? I'm not sure which court or do i send it to Lowell solicitors ?

 

Thanks!

The court that issued the CCJ..if you never defended the claim then it would be CCBC Northampton.

Thanks for the reply i will get onto it.