Backdoor CCJ - Lowell/Carter re:Shop Direct CAT debt - now +5yrs old - should i be worried?

[Anonuser]

an unknown company has filed a CCJ against me for £756 at County Court Business Centre, at an old address.

 

However, none of my old debts are registered at this address so I cannot pin point it.

 

I have 3 settled debts which were settled a couple of years back so matching up the debts with the CCJ amount for £756,

I have an outstanding one for £734 but at a different address, it was applied on 06/10/2015

 

My debts are settled and closed barring 3 from Lowell which I think were for a catalogue

(I didn't pay because the interest versus monthly instalments didn't make sense and would be a vicious circle)

so I'm guessing it's one of these, but I'm not sure why they've sent it to an old address when the debts are registered to another of my addresses.

 

I see now these things never do go away and I'm willing to settle all 3 in one (if possible) as I'm now in a better position,

but my question was where do I go next to find out more about the CCJ?

One of them was over 6 years and I can't find it on my credit report to compare to the CCJ.

 

Do I now write to the courts and request more informations?

 

I've currently bookmarked a load of nationaldebtline pages to sift through which is daunting

but wanted to narrow down my search a bit as there's a few different wordings and templates.

 

Best regards.

[dx100uk]

if you know the CCJ number

phone northants

 

 

why do you think you need to pay your debts off?

if they are shown as defaulted on your credit file

payin them wont clean your file.

[Anonuser]

Hi Dx,

 

The one's I knew I could clear, I paid off, but the one's (i.e I think these are Lowell one's) that I knew I couldn't clear, I left.

 

The only reason to pay off would be to clear the CCJ but as it was sent to an old address and now over 30 days,

I need to know more info such as if the court resets the 30 days (should I choose to pay the amount) as I'm now at a new address.

 

I'll call Northants first thing Monday, I'm guessing there's nothing I can say that will go against me?

 

Best regards

[dx100uk]

forget the other debts for the moment

as lowells [the buyer listed on your credit file?]

know where you live...

 

the CCJ

is it a CCJ or is it a claimform?

 

what do you know.

 

dx

[Anonuser]

Thanks once again for helping,

 

" Case number B5AQ****

County Court Judgment Active" This is what it shows on the credit report.

 

I keep most letters so will scour through them all to see if they've wrote to me at my current address,

so hopefully, after phoning the court I can pinpoint which company is chasing me.

 

Hoping that they've written to me at my new address but issued the CCJ at the old one.

 

Thanks.

[dx100uk]

that's it you're learning.

 

if the claimant or their sols

even on another debt, wrote to you at your present address

then you've got a set aside basis,

but we'll need to delve further

and ofcourse find a defence that will hold up

 

but that's for later on

info gathering stage at present.

 

ideally, ALL your old addresses should show on your credit file

if they don't, then you need to update them.

 

not informing your creditors of a change of address

leaves you open for a backdoor CCJ.

 

dx

[Anonuser]

Brilliant, thank you.

 

 

All my addresses show on all reports,

 

 

but I wouldn't have informed the CCJ claimant of my present address.

 

 

I will talk to the courts on Monday and update.

 

 

Appreciate the replies and have a good weekend.

[dx100uk]

all you need is a copy of the CCJ from Northants

 

 

the rest can be dealt with once we have the info.

[Anonuser]

I'm on it!

 

Chris.

[fkofilee]

DX is pretty good so you're in good hands.

Check on Monday with Northants, or maybe check with the TrustOnline

[Anonuser]

Indeed.

 

I checked Trustonline, it gave me the same info, was hopefully for a bit more but nope.

[dx100uk]

that s why I didn't advise that

TOL does not give you the POC nor the judgement or claimant etc

 

 

only way is by obtaining a copy of the CCJ.

 

 

dx

[Anonuser]

Ok, I've spoken with the courts and have some useful information.

 

The debt is Lowell/Brian Carter, it was purchased in 2010. The court said they entered the CCJ by default, or something along those lines. They want £50 a month.

 

I'm currently on all 3 credit reports and nowhere can I see this debt.

 

I'm currently sifting through old letters to see if I can find if they've written to me at the current address, even though they claimed the CCJ against me at the older one.

 

The court explained it would be £150 for a hearing and couldn't really give me any information.

[dx100uk]

Yep usual. Carter trick

 

What was the debt then?

 

Dx

[Anonuser]

A catalogue, shop direct. £604, they've added £60 + £70 for fees.

 

By taking this route, they didn't need to prove much I take it.

[dx100uk]

nope nothing

 

thought it might be a cat or mobile debt.

 

get an sar running to shop direct

bet its mostly penalty fees and their ppi

 

when was it opened any idea?

 

dx

[Anonuser]

Hey Dx,

 

What would I be hoping for on this?

 

I'm just reading up on it now. I never did sign any agreement with them, if that makes any difference.

 

It would have been opened around 2008/9. I'm going through old letters (They've got my new address, last letter seems to be 2014)

 

Aside from the basic information about this, what else should I be expecting to hear back?

 

Do I forget about Lowells/Carter/the courts for the time being

or would I send similar to Lowell's asking them to prove that I've made contact/payment within the last 6 years?

 

Once again, thanks.

[dx100uk]

Hey Dx,

 

What would I be hoping for on this? - fees unlawfully levied and p'haps their version of PPI

and ofcourse payment history or your last use of the account

 

I'm just reading up on it now. I never did sign any agreement with them, if that makes any difference. - sadly no, its post Apr 2007

It would have been opened around 2008/9. I'm going through old letters (They've got my new address, last letter seems to be 2014)

- as it post apr 2007, then it would be automatic electronic sign up on your 1st order.

- so they knew your new address, that's promising, why did they file the CCJ against an old one - looking good for a set aside.

Aside from the basic information about this, what else should I be expecting to hear back? as above.

Do I forget about Lowells/Carter/the courts for the time being

or would I send similar to Lowell's asking them to prove that I've made contact/payment within the last 6 years?

- that's a diff one, the CCJ was attained within a month, they could get bailiff involved.

but nothing on the fact they've got the CCj from them yet?

 

Once again, thanks.

 

 

dx

[Anonuser]

Hi Dx,

 

Thank you.

 

Attain info, then send separate letter to Lowells.

 

I'll be sending it off to shop direct today hopefully.

 

Fingers crossed.

[martin2006]

Lowells would have added their own fees etc but most will have been added by shop direct in late payment fees and possibly ppi, the SAR will show it all when you have all the relevant statements from shop direct

[Anonuser]

Thank you, edited my post as realised I would be sending of different letters.

 

I'll get them sent out and see what they say and do some more reading.

 

I'll update hopefully once I've heard back.

Even though this may take some time (40 days to hear back) I don't need to worry about a time limit on response seeing as I wouldn't have known about the old letters/address?

[dx100uk]

I'd not for the mo send anything to lowlife/carter

Might be a bit of a gamble

Let's see

[Anonuser]

I'll keep my contact with shop direct then post back with my finding. Anything more will likely confuse me.

[Anonuser]

Ok just an update,

 

I've scoured through the letters and I have many, many letters from Lowell with the same debts.

 

The one in question is £559.57,

the CCJ is for £756.32 (inc fees) this has to be the one,

although from the looks of things the latest one I have is August 2014.

They have indeed written to my current address.

 

I'm going to sort out the SAR letter now for shopdirect.

[Anonuser]

A long awaited bump.

 

My request for the SAR has come back but they've not included what I'm after,

instead Shopdirect have told me they've been trying to reach me via telephone and email to discuss my SAR request, then they say;

 

"I can complete the DSAR but rather than sending you the unnecessary information I would be grateful if you could supply me with a current telephone number/email address and confirm when you would like me to contact you. Alternatively, contact me on (insert number), so we can proceed with your request.

 

If you require information regarding PPI only we can refund your £10 fee and give you full details on all accounts held with us."

 

What would be the best course of action here, obviously I need everything in writing but this has confused me somewhat.