Hi, Just wondering if I make a complaint about irresponsible lending will that halt any action being taken on a debt? Had 3 letters from Moriarty Law re Motormile for old payday loans with Northway Broker Ltd to my ex's mums house. This was in June! Have only just been told by ex's mum that she opened these letters and that she told them I dont live there anymore. The letter states 'In the event we do not hear from you within the next 14 days we have been instructed to issue proceedings without further reference to yourself.' Now as I say this was in June. They havent been in touch since but worried about them going to another previous address and trying to do a ccj there. There are three separate loans -£286.47 £218.75 and £318.96 Not sure how to move forward with them any ideas would be great thank you.

Hi, I would be grateful for some advice without judgement. My husband (sole trader) lost his business in May 2011 due to the recession. He had numerous debts that he was then personally liable for. It was a really tricky time for us for a number of other reasons also and it was genuinely our intention to save for the bankruptcy fee but we had to move first (rental). We then, I am ashamed to say, buried our heads in the sand, and ignored chasing letters (which have only come sporadically) while we tried to get back on our feet. On 11th Dec 20015, my husband received a Claim Form from the County Court Business Centre, Northampton. Nothing to suggest it is not genuine. Claimant is Lowell Solicitors. We have received letters threatening/warning of their intended action but we have had many that look similar, that we clearly did not notice that whatever last one we received was final. Usually after a while, the debt just gets sold on. He now has the option to agree and pay in full (£1842.27 - not currently possible), to agree and ask for time to pay, to admit only part or to disagree. My husband recognises the debt, although we cannot know who the original creditor was as the debts has been passed around since he defaulted. The sum outstanding for Lowells shows as less, £1522, and states he defaulted in April 2012 - which is not correct as he stopped paying them all at the same time in May 2011. On the form Lowells claim is for £15657.27 plus fees. Am I right that unless he is able to pay in full, he cannot avoid a CCJ? If he was to offer to pay in instalments, would this info be available to his other creditors? Wonder if it means the others will come after him in more earnest? This was for a much lower sum than the others and his outstanding debt totals over £30k. Is there any way to buy a bit more time? Clearly we are now, maybe quite rightly, forced to address this and deal somehow with the whole lot, but we will need to get some advice on what options, if any there are. Maybe extra time won't matter if he is likely to end up bankrupt? I presume the debt that leads to a CCJ can be included? He's going to call Stepchange tomorrow but does anyone have any experience of this or advice for us? Many thanks r710