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baddebtproblems

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About baddebtproblems

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  1. Thanks Andy for your response. Its N56 I received. Im planning to go to my local court in person this morning to show them the letter as lowell are refering to it as a ccj issued in 2014. Yes in I have no doubt that the ccj was set aside
  2. Hi. I recevied a letter today regarding a CCJ i managed to set aside in 2014 and It looks like Lowell has now applied for attachment of earnings. My reasons to set aside was PPI and unfair fair charges which i remember the judge saying they had to calculate and provide the information. It was just me and her in the court room but I assume she informed them of this. My question is, can they just request for an attachment of earnings even if the ccj was set aside? Thanks for reading
  3. Hi, I have a court hearing coming up and its for a set aside application. I post about this problem recently but the responses stopped. I have a ccj in default that i have asked the court to review(on N244) due to unfair charges and PPI. They accepted and have set a date for the hearing but i dont think i will have my evidence ready as hearing is in a few days. I made a SAR to the original creditor but i dont think they will reply in time for the hearing and this is the evidence that i need to defend myself in court. Just wondering if anyone can advise on my situation and if i can apply for the hearing date to be changed. Thank you in advance.
  4. Hi ims21, Did i post in the wrong forum. Ive seen that my threads have been merged but first thread is now irrelevant as my situation has changed and am now looking for advice on court hearing. Should i be posting in another forum? Thanks for your time.
  5. Hello, I applied to the court to have a recent CCJ set aside and they have now given me a hearing date which is in a few days. My reasons for the set aside was PPI and unfair charges. I did a SAR with the original creditor last week, in an attempt to gather information on charges and PPI and i don't think i will have their reply for the hearing. And i understand they have 40 days to reply. My question is, what do i say to the court now. Should i inform them that am waiting to hear back from my original creditors? Can they accept this and postpone the hearing. The debt is now with a DCA and am wondering if i should send them a SAR as well. Any advice on what to do next is very much appreciated.
  6. I haven't got the SAR yet, a m just in the processe of applying for it. And the CCJ is a couple of weeks old. Oleg, i don't think i've got any valid reasons for ignoring the claim form, apart from being a coward. But i've learnt my lesson and will act different with other CRA. Ive got another two chasing me although their demands are peanuts compared to the amount on CCJ. Is it possible at all to get the installments lowered if i challenge, i was ordered to pay less than 1% of total debt in monthly installments and it will take me more than 13 years to clear the debt. Am open to ideas on how to bring the amount down if its doable. Thanks in advance
  7. Hello, Thank you all for your replies. To clarify, I arleady have a country court judgement awarded against me. I had the claim form posted to me but stupidly ignored it and therefore got a ccj in default which am now trying to set aside. My question is can i use PPI and unfair charges at this stage, on form N244. Would that be enough evidence to set aside. Thanks again .
  8. Hi, I got a ccj at the beginning of this month and its for an old credit card. The debt is now owned by a debt collection agency and it is now alot more than what i owed the original creditor. I also remember paying PPI but only for 3 or 4 months so it wasnt much. Am planning to have a set aside and was wondering how to word section 3 regarding what order am asking the court to make and why. Can i just put unfair charges and PPI, any advise on this is much appreciated. I also wanted to contact the debt collection agency and ask them for S.R.A, is this possible after they have already been to courted and issued ccj? Thanks in advance
  9. Hello, Thank you both for your replies. I have never checked my credit reference files but will have to do it now. The letter from Northampton court says judgment for claimant (in default), claimant being Lowell and its says am ordered to pay the debt in installments. It is dated 6th March and they want first payment on 5th April. Ive looked at the N244 form on the internet and am not sure what to fill in for some questions like what level of judge i want or what order am asking the court to make and why.
  10. Hi I've been getting a number of letters from different debt companies and i stupidly ignored and even stopped opening them. I now have a letter from Northampton county court ordering a payment of over £8,000 for a certain credit card bill. I however suspect that this debt might be over 6 years as i remember getting into financial difficulties and defaulting when i was on maternity leave six years ago. I have read a few threads on here that mention doing a set aside and am guessing this is the route i need take, but am not sure who to contact regarding how old this date is. It was originally with Lloyds bank and has been passed to different companies. They are demanding for payments to start on the 5th April and another 2 companies are issuing their demands too but not gone to court yet. Any advice on what to do is very much appreciated.
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