Unknown Lowell/Cohen CCJ - old cat debt not mine - fraud?

[vf87]

Sorry if this is in the wrong place, from the options it seemed the most likely but if its not meant to be here can someone move it please?

 

Lowell have been chasing me for some debt for quite a while.

4 times I have requested proof that I actually owe the debt.

 

All I have ever had back is that the original creditor was 'shop direct' which is apparently littlewoods.

I have never had a catalogue account ever, as such I have been ignoring the letters they sent after it became clear they were not going to supply me with any proof I owed it (as it cannot exist)

 

I wrote it off as them just trying to get random money off me.

Only catalogue type product I have ever had is a sofa from brighthouse, which is now settled.

 

last week I get a letter through from 'county court business centre'.

judgement for claimant (in default).

 

They have ordered me to pay 514 quid in one go, or 50 pounds a month til its gone.

I am not currently working due to health issues and I cannot pay this amount.

 

I do not think I should even have to pay it as I do not agree I even owe the debt

and lowell have never despite being asked, provided me with ANYTHING that says I do actually owe anything.

 

I did not receive any claim form through the post about this..courtcase (?)

or I would have defended myself.

 

I today called the court but I can only speak to a machine which tells me I can have the judgement set aside if I pay 275 pound,

or I can negotiate lower monthly payments if I make a payment of 50 pounds to the court.

 

Are these my only options?!

I find it massively unfair that they have taken me to court over a debt they know fine well is in dispute.

 

As I understand it the court decided in favour of the company if I dont answer the claim form, but I didn't even receive one...ugh.

 

Please tell me I have more options than paying up and shutting up?

 

I have recently finished a payment plan that sorts out ALL previous debts I had

and now I have this to deal with about a debt I don't even owe

[AndyOrch]

Thread moved to Financial Legal Issues

[dx100uk]

So I take you have moved in recent years?

 

Dx

[vf87]

No, been here coming up 7 years now :S

[dx100uk]

Ok

When are they claiming the cat was taken out?

 

If you didn't get the claim form then perfect setaside reason

And as its not your debt

You could state its fraud by someone using you name too

 

Have you ever sent Lowell's a CCA request?

[vf87]

I don't know when they are claiming it was taken out or ANY details about it.

I have sent lowells 3 of those CCA templates and never had a reply.

 

I sent then something similar but in my own words before I discovered templates were available on the internet, still no reply..

One of the debt letters they have sent me mentioned shop direct and thats how I know thats who they are trying to collect for.

 

The letter I have from the county court says nothing at all besides the debt is 514.26. 50 per month.

First payment to be made by 9th july.

Payment to be made to Cohen Cramer Solicitors who are acting on behalf of Lowell Portfolio Ltd.

[dx100uk]

Did you ask for a copy of the ccj when you rang the court?

If not do so

 

Have you looked at you credit file?

 

Dx

[vf87]

I couldn't speak to an actual person when I rang the court,

it was all..press 1 if you have received a ccj notice and such

 

the options I needed put me through to a machine which told me to go online and pay 50 quid to pay less per month or pay 275 to have the decision set aside.

 

went through a variety of different options, all ended with a machine giving a message.

 

Always to go online to moneyclain.gov.uk to do whatever.

I can't even view it on there as you need a password,

whereas the letter I have only has a case number.

 

There is no lowell or shopdirect account on my credit report.

Edited June 28, 2016 by vf87

[dx100uk]

good its not on your cra file

so its either over 6rs defaulted

or

as you say

not your debt anyway.

 

I believe that when on the northants court court automated system

you keep hitting ## to get to a person.

 

quote them the CCJ number

and ask them for a copy to be sent to you.

 

dx

[vf87]

Thank you. Do you think I should make the first payment anyway given its due next week?

[AndyOrch]

Thank you. Do you think I should make the first payment anyway given its due next week?

 

Not if you intend setting it a side...submit the N244 (you will be exempt from the fee as you re currently out of work and in receipt of the applicable benefit)

 

Regards

 

Andy

[vf87]

OK think I'm going to have to write a letter to them,

 

I tried twice yesterday to press hash through the computer generated menus,

it leads you to a 'hold' type thing but with no message to actually clarify you are on hold, just music.

 

I waited for an hour yesterday morning with no answer.

 

An hour 20 mins yesterday afternoon.

 

And a further hour this morning with no answer,

 

so I suspect the phones aren't actually manned...

[AndyOrch]

Who are you trying to ring?

[vf87]

The number on the letter from the court. Northampton county court business center

[AndyOrch]

What are you ringing them for?

[dx100uk]

wants a copy of the CCJ

knows nothing about the debt

prob wrong person or fraud using OP name?

[vf87]

I cannot view the claim online as the automated answermachine tells me to as I do not have a password.

 

I have previously asked for proof I owe this 'debt' as I know fine well I don't.

 

No answer despite recorded postage..and now this out of nowhere.

 

Didn't even know they were taking me to court,

first I knew of it was the judgement saying I have to pay it as I didn't answer a claim form that I never received.

 

I would have thought though, that a court would ask for proof before issuing a judgement?

[dx100uk]

never heard of anyone here coming back

and saying that by ringing northants bulk

that they ever got an answerphone/automated system

and could never get thru to someone to speak too.

 

 

are you using 0845 408 5304?

and you do have the claim [CCJ number] from your credit file

or paperwork?

[AndyOrch]

You have the Notice of Judgment with all the relevant details to enable a set a side...its irrelevant what the particulars state...get your application in to set it aside.

[dx100uk]

how'd this go?

 

dx