Help lowell ccj from old tsb account

[sidvicious]

Lowell have obtained a CCJ on a TSB account from 2009.

Can anyone give advice on what I can do to sort it out.

The TSB account was overdrawn but did have bank charges.

[theoldrouge]

did you receive a claim form, if so what action did you take

[sidvicious]

I think there was a form that looked like a court form but it just looked not quite right so I threw it away.

[mikeymack2002]

Can you please provide further information

 

 

like,

 

 

when the account was started and

 

 

was there any charges added to your account.

 

 

 

 

Did you receive a default notice and the did DCA or Lloyds take you to Court themselves?

 

 

Why did you throw it away?

 

 

Since you didn't put in a defence you MAY be able to apply for a set aside

 

 

so can you let us know the rest of the details for better advice please.

[sidvicious]

Thanks for you help.

 

Defaulted 19/01/2009 £384

 

 

TSB sold it onto Lowell.

 

 

I had started to claim t back from tsb

 

 

has it was made up mainly by charges

 

 

but then there was a stay on bank charges and

 

 

I just forgot about it to be honest.

 

Lowell have taken out the CCJ.

 

I threw it away because it just didnt look right and the amount was £518 so I did not connect it with TSB.

 

I am funding 2 families at the moment and cash is really tight

 

 

so I just need to get this sorted out.

[unclebulgaria67]

I don't think you have much chance of a set aside.

 

 

A set aside application costs £155 (unless you can claiim exemption) ,

 

 

you have to make a full argument and

 

 

there may be a hearing where you have to explain to a Judge why it should be set aside.

 

 

I don't think you will have any success in arguing about charges in a set aside hearing.

 

If Lowells are hassling you for payment,

 

 

I would suggest that you enter into an affordable arrangement.

 

 

The CCJ is on your credit record for 6 years and will be on there even if you paid over a period.

[sidvicious]

Can TSB sell on a disputed account??????????????

[ims21]

Can TSB sell on a disputed account??????????????

 

Simply put...yes they can

[2Grumpy]

Can TSB sell on a disputed account??????????????

A skilled lawyer might be able to argue that an account that was not properly (lawfully) closed (if that was the case), that the account should still be open and therefore could not be assigned to Lowell because Lowell are not a bank