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backdoor lowell CCJ for old o2 debt from 2014

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I've recently decided to try and get my credit history back on track.

 

I've requested my stat credit reports and notice that there is a CCJ on there from an old o2 account, which was obviously passed to Lowell and they have a default judgement against me.

 

I didn't know anything about this and I wasn't even aware the mobile phone contract with o2 was a 'credit agreement'.

 

I stopped being able to pay around March 2013, after my redundancy in 2012, when I just couldn't keep up the repayments.

 

 

I let o2 know about this and offered to pay them a nominal amount but didn't hear anything back.

The judgement was made in July 2014 and I moved address in July 2013 with 6 months address forwarding.

 

The strange thing is I had a Barclaycard CCJ come in May 2014

but this one to the new address and I wrote to the court and have agreed a payment plan on it,

so no idea why I didn't receive the o2/Lowell one.

 

Interestingly the o2/Lowell CCJ is only recorded on my Equifax report, nowhere else.

 

Is there anything I can do about this? Would I be able to get it set aside?

 

Thanks for any help!

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did you inform o2 of your address change

 

 

and I doubt the BC one was BC that took you to court

but a DCA?

 

 

why did you not defend it?


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I don't recall informing o2 of the address change as I had written to them informing them of my position and not heard anything back from March 2013 to early 2014 when the address forwarding would have run out.

 

Indeed, the BC one was IDR FINANCE UK II LIMITED / Link and I pay them £5 per month.

 

I had zero knowledge at the time about CCJs or anything debt related so didn't even realise I could put in a defence, didn't know how to go about doing it and was going through a rough time with my business at the time that didn't help.

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god got fleeced by link

bet there was no enforceable agreement there never is on BC debts.

shame you didn't defend it, 9/10 you'd have won.

 

 

ok this Lowell one

you didn't inform the OC of a change of address

so I cant see a valid set aside

 

 

its there now for 6yrs paid or not

you cant remove it.

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PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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I do apologise, I've just been searching my scanned documents and have found the Lowell Claim form - I must've filed it and not responded!!! It was signed Bryan Carter as their solicitor.

 

Ah well, I will let it sit there as I've not heard anything since!

 

So annoyed I didn't tackle these properly when they came in but at least I've learnt a lot since then.

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when ever you get a claimform no matter who its from

always defend all

else you'll get a ccj by default anyway

no harm in trying!!


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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when ever you get a claimform no matter who its from

always defend all

else you'll get a ccj by default anyway

no harm in trying!!

 

I know, I know - big lesson learned! 2020 couldn't come sooner! :D

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