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

[dx100uk]

they should not be interfering with your request.

 

 

you write back or email

and tell them you want ALL the information for your personal records.

 

 

dx

[Anonuser]

Thanks, caught me off guard but I'll get an email sent over.

[Anonuser]

Update: My SAR has arrive but with no CCA, just statements and archived statements. "No CCA located on EDM"

 

I'm now trying to make heads or tails of statements.

[Old Cogger]

SAR will not contain a CCA1974 unless they wanted to be nice (Not), send £1.00 P.order stating for statuary fee use only if credit card agreement section 78

[Anonuser]

Thank you.

 

From what I can see so far, all my old addresses at the time are registered on the statements. (Aside from the one the CCJ was sent)

 

My current address (on my credit report) has me registered on the electoral roll since 2014, so not quite sure why Lowells sent it to an older address as they have been sending me debt letters to my new address every month since.

 

So in between sending letters to my new address they decided to send the CCJ to my old address.

[Anonuser]

I need some help please, I'm going through the statements and can see that the majority of payments have 197k, 174g and 164g which given the layout is all very confusing. I can see they're some type of charges.

 

I'm not sure how but one is 174g - Administration £110.00, with 12x £12.00 for each statement, in total I'm seeing £454.00 for the CCJ debt in question, and that's just one account. I've notice that on another, there are charges in excess of £100+ for one statement!

 

 

 

Thanks.

[dx100uk]

An sar must provide a list of abbreviation s

Is there one?

[Anonuser]

There's an abbreviated list, not everything is on there such as 164g but insurance charges and admin charge listed.

[dx100uk]

upload

a few of the statements if you like

 

but typically the penalty stuff you are looking for is the fixed sum stuff = £12 etc

 

dx

[Anonuser]

Apologies for the delay, just got my broadband installed. I've uploaded a couple of statements, hopefully of some use. Still confuses me a bit so should shed some light on my last post.

 

Another issue is that the CCJ amount pre/post fees still isn't matching up to the amounts shown on the statements (give or take a dozen or so quid)

 

Thanks.

FullSizeRender (9).pdf

c01.pdf

FullSizeRender (10).pdf

[dx100uk]

I see wht you mean

 

 

if its says admin and its a uniform sum

id reclaim it

[Old Cogger]

what rubbish accounting!

[Anonuser]

This was on my list, was there anything else about the statements that looked 'off'?

 

Where do I go from here in terms of Lowells?

[dx100uk]

get the cisheet done and upload it

 

pers id be sending them a copy of it too  with a stern letter bugger off its all charges and more

 

 

dx

[Anonuser]

Just had a quick search, guessing this is the " Case Management Information Sheet"? What are the chances to get the CCJ gone?

 

This will give me something to do this weekend.

 

Thanks once again for the great help.

[martin2006]

no anon, the CIsheet is the compound interest spreadsheet to list all the unlawful charges on which can be d/l from the library

[dx100uk]

opps the link didn't auto post

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

 

 

dx

[Anonuser]

Thanks so much guys, I think I will leave the PPI charges until last.

 

Where would I stand with getting the CCJ removed so far?

 

Where would I stand in terms of the address receiving the CCJ where I didn't live anymore and not receiving it to the new address.

 

I understand this would mean me possibly going to a court but I want to build as much info as possible to get this stain removed.

 

To add, I'm trying to figure out when the last payment was on the statement and any further advice please on building a case? It's obvious they knew my address while sending the CCJ to an old one.

 

Please link to any similar threads you know of.

 

Shameful bump.

[AndyOrch]

Not much further to advise really Anonuser ...go the Legal library download the N244 ...complete it request a set a side and pay the fee.

 

Andy

[Anonuser]

On the basis they knew my address?

Thanks, I'll give it a read.

 

Chris.

[AndyOrch]

Yes if you have proof they knew then that forms part of your defence and you should attach the evidence to your defence.

[Anonuser]

Andy, thanks. Finally time to get some stuff sorted.

 

I've had a look at the N244, as well as trying to put together a draft for a case.

 

 

How does the following sound (long story short etc)

 

-CCJ issued on 06/10/2015 at post code XXX,

however I registered on the electoral roll at current address XXX on 17/02/2014 to date.

 

 

Between this time I have moved several times and have had Lowels/Carter sending me letters to each address.

This would show that the DCA would have had my latest address at the time of issuing the CCJ

as my information would have been available.

 

Reading similar posts I've noticed that no one 'notifies' the DCA's of new address,

wouldn't this count as putting yourself on the register?

 

Thanks.

[AndyOrch]

Dont forget to quote the relevant CPR.....in this CPR 13.3

 

https://www.justice.gov.uk/courts/procedure-rules/civil/rules/part13

 

I wouldn't advocate inform the DCA either...you inform the original creditor.

[Anonuser]

Thank you. Still in the early stages but will give a read.

 

Does my reasoning sound like it'd stand a decent chance?

 

I'm guessing I can gain copies of when I applied to be on the register.

[dx100uk]

I don't think I've ever seen the fact that your new/correct details were on your cra file at the time of a claimform being issued working in this instance concerning a defence for a set aside?

 

I believe they are quite legally allowed to file to the last know address you notified the original creditor of?

p'haps andy will comment.