I’m not too worried at this point about the 100 quid I have repaid to Lowells, I.was more trying to get advice on how to potentially stop getting a second default registered on my credit record. I’ll take the advice and read more to see if there’s a definitive answer as it hasn’t been clear to me so far.

dx100uk……thank u. I thought I had answered your question that it was taken out Jan 2018. Your previous question about why I’m paying like I say is I thought by them sending the letter of claim pack the next step would be for them to take this to court which would result in a CCJ.

Ok, so stop paying but I don’t want to risk a CCJ as I previously completed the letter of claim pack,,so if I stop payment can’t they just lodge a judgement? Do I need to send some kind of dispute letter?

Thank you so far. The original creditor was PayPal and the reason I started paying was they sent the letter of claim then a copy of my requested CCA. As this has been an electronic application I thought I wouldn’t have a leg to stand on and o didn’t want to risk a CCJ. Can I do anything now? I am a little shocked they have sent this admitting a previous “faulty” default notice. This was taken out Jan 2018

Thank you so far. The original creditor was PayPal and the reason I started paying was they sent the letter of claim then a copy of my requested CCA. As this has been an electronic application I thought I wouldn’t have a leg to stand on and o didn’t want to risk a CCJ. Can I do anything now? I am a little shocked they have sent this admitting a previous “faulty” default notice.

I’ve been paying Overdales a monthly payment for about a year, after they sent the formal Letter of Claim. The original default notice from the original creditor was received around 3 years ago. However, I have now received a new default notice from Lowell’s advising that the original noted invalid dates, not allowing me enough time. Due to this, it is only right that they issue a new one with correct dates from now and this will be held on records for another 6 years. I am posting here to ask is this correct please?