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Old Lloyds TSB current account- Overdrawn- CCJ- Sold to Lowel


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I opened an account in 2007 with Lloyds bank whilst I was 16 years old and living in the south of the country with my girlfriend at the time.

 

I then moved back to the north of the country but did not change my home address and all my mail was withheld from me for about a year.

 

I had gone overdrawn on my account by £5.40 and did not know of this because my mail was being withheld and had no cause for concern. (I should have changed my address).

 

September 2008 I received a letter from Lloyds TSB demanding I pay £479.03 of the £679.03 balance in full in a couple of weeks. Due to my financial situation I was unable to pay.

 

In October 2008 I received a letter from a solicitors demanding that I pay the full amount £686.69 outstanding balance.

They also state in the letter that if the payment was not paid in full I would receive a CCJ, which inevitably happened.

I chose to bury my head in the sand at this point only being young and unable to make such a massive payment upfront.

 

Later in January 2015 I set up a repayment plan of £5 a week to Lowel and managed to get the outstanding balance of £767.72 down to £162.72 thus paying £605.

On my credit report it states that I have had a CCJ.

 

What I am wondering is, what is the likelihood of reclaiming these charges?

 

What steps do I need to take to reclaim?

 

Will the CCJ be attached to my credit history permanently?

 

Any other advise would be most appreciated.

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what dates the CCJ?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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so I would guess its lowells that got the CCJ too.

 

not much you can do re the charges of that age sadly.

 

shame you didn't defend it.

 

rarely do OD debts get CCJ's if defended properly.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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