CCj entered -lowell and Brian carter

[saddad29]

I have had a letter from Brian carter Solicitors saying that a ccj has been entered against me on the 17 December 2015.

 

 

I did get the court papers but stupidly ignored them after reading different things on the internet about not admitting anything.

 

 

The bill is for £501.64 and he is asking for £50 a month which I can't pay.

The letter says they will consider further enforcement action if the payment is not made.

I don't know what to do.

 

I have also received another letter from Lowell which says pre legal assessment

threatening another bill being sent to their solicitors (probably Brian carter again) .

The bill is for £836.77 and the letter talks about ccjs and possible bailiffs.

 

I have absolutely no idea where I stand as far as bailiffs are concerned. I don't own my home.

Do I have to let them in? I've seen programmes on bailiffs and the thought terrifies me.

 

I realise this is my own doing but trying to pay rent and council tax as well as feeding 2 kids has been my main priority.

 

I had these debts as well as some others with stepchange but the payments got too much and I had to cancel the agreement.

Stepchange said one of the options was bankruptcy but I panicked and just left things.

But because they have been paid a little bit, this is surely classed as acknowledgement of the debt?

 

Any advice would be greatly appreciated. I'm frightened of answering the front door.

 

Thanks, Tracey

[theoldrouge]

who are the creditors in each case? and what were the debts for eg credit card/ loan etc

 

what did the court order as regards repayments, or was it a forthwith judgement?

 

what was the date of the actual judgement?

[dx100uk]

forget bailiffs.

wont happen.

 

 

make a new thread for the threat-o-gram

 

 

tell us about the CCJ please.

 

 

dx

[unclebulgaria67]

I have had a letter from Brian carter Solicitors saying that a ccj has been entered against me on the 17 December 2015.

 

 

I did get the court papers but stupidly ignored them after reading different things on the internet about not admitting anything.

 

 

The bill is for £501.64 and he is asking for £50 a month which I can't pay.

The letter says they will consider further enforcement action if the payment is not made.

I don't know what to do.

 

I have also received another letter from Lowell which says pre legal assessment

threatening another bill being sent to their solicitors (probably Brian carter again) .

The bill is for £836.77 and the letter talks about ccjs and possible bailiffs.

 

I have absolutely no idea where I stand as far as bailiffs are concerned. I don't own my home.

Do I have to let them in? I've seen programmes on bailiffs and the thought terrifies me.

 

I realise this is my own doing but trying to pay rent and council tax as well as feeding 2 kids has been my main priority.

 

I had these debts as well as some others with stepchange but the payments got too much and I had to cancel the agreement.

Stepchange said one of the options was bankruptcy but I panicked and just left things.

But because they have been paid a little bit, this is surely classed as acknowledgement of the debt?

 

Any advice would be greatly appreciated. I'm frightened of answering the front door.

 

Thanks, Tracey

 

If you are on benefits or low income, you may not have to pay a court fee to make a variation order application, where repayments can be set based on your ability to pay. If you speak to National Debtline about your situation, they can advise you on whether your income situation means you would not need to pay a court fee to apply for such an order and they also can tell you what court forms to complete.

 

Given that you have other debts, it sounds like you need advice about them as well. It is whether you want to provide more info online or whethe you get confidential help from National Debtline or Stepchange,

 

Bryan Carter /Lowell obtain large numbers of CCJ's and they don't always appear to chase for payment too much. But it is better if you sorted out affordable payments, with application to the court if necessary,

[saddad29]

Thank you for replying. I will post another thread about the threatened one which thew original debtor was Creation Finance for a sofa from DFS.

 

The actual CCJ is for original debtor Orange which was argued at the time because the contract was ended but they carried on charging and then put charges on etc. It went to fredrickson and Lowell, then Brian Carter. The judgement is dated 18th December 2015 and the court ordered £50 per month from the 17 January 2016.

 

Tracey

[theoldrouge]

you can apply vary the court order by using form N245,to what you show you can afford, if the creditor agrees then there will not be a further hearing

 

as UB says if on low income you may not need to pay a fee

 

https://www.nationaldebtline.org/EW/factsheets/Pages/08%20EW%20County%20court%20-%20suspending%20a%20bailiff's%20warrant%20or%20reducing%20instalments%20on%20a%20county-court%20judgment/Default.aspx

[saddad29]

Thank you very much

[dx100uk]

shame you didn't defend the orange CCJ

 

 

as there was a dispute you could well have gotten it nulled if you'd come here earlier.

 

 

I take it you got the claimforms etc but simply did nothing with them?

 

 

dx