unknown lowell CCJ for shop direct debt

[stukaville]

Hello all

 

Today (18/4/2016) my wife received a letter from Lowell Solitors reminding her of a CCJ.

 

Letter states as follows.

 

As you will now be aware, on the 17/09/2014 a CCJ was entered against you. The court has ordered you repay this debt as follows.

 

Installment amount £50

 

Monthy

 

First payment due 17/10/2014

 

Amount owed £299.49

 

The letter goes on to say 'we haven't heard from you' and urge repayment to avoid possible enforcement action.

 

Ive spoken to my wife (of rather attempted too. She is very poorley with a number of conditions and has been for years now)

And she has very little recollection of the claimant who is Shop Direct.

 

 

Ive been opening her post for her for a while as she doesnt have the mental capacity to deal with stuff most days.

Im wondering what my first step should be.

[AndyOrch]

Hi Stuk and Welcome to CAG

 

Start by registering with the following link and check there actually is a judgment in place.

 

http://www.trustonline.org.uk/

 

If there is then next is to contact Northampton CCBC and get details of the claim.

 

Then come back here.

 

Regards

 

Andy

[stukaville]

Hi Andy thankyou for your reply

 

The letter from Lowell's is to our current address, but at the date when the alledged CCJ was entered we resided at a different address. We moved just before or just after the CCJ date. Should I use our previous address to search or our current one(where Lowells letter came to)?

[dx100uk]

previous

[AndyOrch]

Hi Andy thankyou for your reply

 

The letter from Lowell's is to our current address, but at the date when the alledged CCJ was entered we resided at a different address. We moved just before or just after the CCJ date. Should I use our previous address to search or our current one(where Lowells letter came to)?

 

Im not sure to be honest ...never having had to search the Trust...but always assumed CCJs were registered against people not addresses ?

[dx100uk]

yes against people

bu you have to put in the address the CCJ was attained at sadly

bit of a moneycon!

[AndyOrch]

yes against people

bu you have to put in the address the CCJ was attained at sadly

bit of a moneycon!

 

Ah so one register in reality...CCJs against your name.....but if you have moved within the last 5 years you pay for another search..very lucrative.

[stukaville]

Ok, there is a CCJ which was registered to her previous address on 17/09/2014. I have checked her current address and there is no CCJ in her name

 

What should I/she do next?

Edited April 21, 2016 by stukaville

[AndyOrch]

Arrange and commence payments of £50 per month ?

 

Andy

[stukaville]

Well yes,if the money is actually owed. As I wrote above my wife has no recollection of a debt to shop direct. If possible I would like some evidence.

[AndyOrch]

Well it will cost you £255 to make application to set a side the CCJ....and that's not guaranteed success unless you have a defence with merit to accompany your application.

[stukaville]

Are we in a position to ask Shop Direct if they could supply evidence of the debt or does the CCJ mean they can simply ignore requests?

[dx100uk]

Yes sar

But the claim is nowt to do with them

[stukaville]

Sorry, I meant to say Lowell Solictors. Are we in any position to ask them for evidence of the debt?

[dx100uk]

lowells wont have nowt.

 

 

sar to SD wont hurt

get the info and lets see

as a side point

you indicate she moved house

I wonder if the new owners got the account by using her details from mail that was not redirected?

 

 

do you know the date the account was open

 

 

would not hurt to ring northants bulk and ask for a copy of the CCJ to be sent to you.

 

 

and p'haps go up on noddle and or clearscore

and get a copy of her credit file [they are free]

that will tell you info too.

 

 

dx

[stukaville]

Update. My wife has tried to call Lowells for the last few days but their lines are constantly engaged. I'm assuming they have too few phone lines or have sent out a ton of letters similar to my wife's.

[dx100uk]

where did anyone here say ring a fleecing dca?

 

 

dx

[Bazooka Boo]

Never EVER ring a DCA, they have no interest other than emptying your bank account.

 

Have you sent SD a SAR yet?

[stukaville]

I paid the fee and saw the CCJ was registered.

We are worried about bailiffs arriving at our door because there is a CCJ against her that has not been adhered too.

 

 

IE the court has ordered she makes payments, and none have ever been paid.

 

We paid the fee to see if the CCJ is genuine and it is.

 

 

My wife is worried that Lowells could now send bailiffs if she fails to make payments as per the CCJ terms from the court, is this correct?

[dx100uk]

paid what fee?

trustonline?

 

you need to ring northants bulkcourt now you have the number

and ask for a copy of the CCJ/

 

as for bailiffs

you simply ignore hem in this instance

its a civil debt not criminal ones

they have no powers whatsoever

just don't let them in.

IF they appear.

 

 

and did you get that SAR to SD off today?

[AndyOrch]

I paid the fee and saw the CCJ was registered.

We are worried about bailiffs arriving at our door because there is a CCJ against her that has not been adhered too.

 

 

IE the court has ordered she makes payments, and none have ever been paid.

 

We paid the fee to see if the CCJ is genuine and it is.

 

 

My wife is worried that Lowells could now send bailiffs if she fails to make payments as per the CCJ terms from the court, is this correct?

 

 

Yes its possible so refer to post #9 above then.

 

Andy