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    • As I recall the only thing you tried telling us was based on a quote that you selectively edited by Lord James of Blackheath. You misrepresented it as a statement of fact when it was actually a question which was laughed at by his peers in the House of Lords.  We told you it was garbage, you asked us to prove it and we did.   Remember?
    • you need to realise that for every person that does come to CAG and register and tell their story...there are poss 10'000 that don't but search the interweb whereby threads that are here pop up relating to like issues they are searching upon.   Most CAG siteteam and many other registered Caggers give advice that bears this in mind and post information which not only informs the starter of a thread upon what to do, but also takes into consideration the readers from the interweb that also read the relevant advice given that might not be brave enough to register and fess up.   to that end, there is very little alternative than to appear to give 'grief' [you deserve it - tough] to a cagger should certain previous advice not have been followed.....yours is a very classic case of such. hey I've found a backdoor CCJ.   to put it bluntly, had you have followed such previous advice, you most certainly would not be in the situation you are in here now.. .so by example, not giving you grief, for future readers...………..   ...never ever move without informing a debt owner of a move of address on any consumer debt that you last used or paid within the last say 7yrs. your credit file is a major key to ascertaining that information.... .but don't just read this advice come to the consumeractiongroup.co.uk website and let us help.   lecture over... what can you do..or more importantly....what can a claimant do now they have a default forthwith judgement against you. well we can't guess.... they might simply ignore it as 1000's of people with CCJ's find out..but it becomes an issue should you wish to say get a mortgage, remortgage or further credit.   i'm not going to enter into any of that here...that's for the reader to start a thread here and seek advice on their individual situation specific to them as you have done....   so...  bearing the all of the above in mind...over to you with regard to this backdoor CCJ.   as for the other debts that you didn't action before...go read your old thread and action what appropriate advice is given there for each type of debt that has been given should you wish to avoid any further backdoor CCJ's.   dx                    
    • hello my very good helpful friend. I am afraid to say that i did not. As i did not realise the relevance of it.   Should i be doing this right now of anyone on my credit file ?   Plz don't give me grief if u have already advised me...   do i do the ccs request now to everybody in that thread ?    
    • aha busted and stupid ...no wonder you've got mixed information here. never trust anything they say ..they have a very bad reputation for stating the truth.   now can you go get your credit file please..   there are cases whereby a council on historic CTAX debts do go for a county court CCJ, but a liability order from a magistrates court has far more clout legally than a county court CCJ and i've never heard of a court sending a bailiff out for 'multiple' CCJ collection.   me thinks he is pulling the wool here a bit and has looked at your credit file and seen CCJ's too so thought he'd chance his arm and use those as further leverage.   don't worry about the sat visit simply ignore do not answer the door if he appears. your task is too gather data at present.   credit file please..        
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loisalfie

Help/Advice in regards to 3 Paid Defaults

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Hi Everyone,

 

I’m new to the forum so apologies if this is in the wrong section.

Long story short

I managed to get myself 3 defaults with Lowell with credit accounts I had when I was younger.

 

Default 1 - £129 Vodafone, Default date 01/11/2013 (hasn’t got a default satisfaction date even though its been paid)

Default 2 - £360 Shop Direct, Default date 09/02/2016

Default 3 - £170 Orange, Default date 01/11/2014

 

I genuinely didn’t know I had an outstanding balance on Vodafone and Orange,

I thought both contracts had been cancelled.

seeing as I took out both of the contracts in 2011

I couldn’t remember and I took Lowells word for it.

Stupidly without knowing about these forums,

I got scared by the Lowell letters and paid the Vodafone & Orange bill in 1 payment and the shop direct in 4 payments, without trying to ask Lowell for proof of debt etc.

I’m now 24 and have 3 defaults on my credit rating,

my chance of getting a mortgage in the next 4/5 years is very slim/impossible!

Has anyone got any advice to try and get the 3 defaults wiped off my account?

Is it too late to ask them to prove the debt existed seeing as I’ve already paid them all off in full,

I’ve also read about going down the sympathy route and asking them to take the defaults off.

 

I know its unlikely that I can get these defaults taken off seeing as I’ve already paid them off but I’m desperate and nothing to lose.

 

Thanks in advance!

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Well they should all be marked as settled given that you have since paid them...the only problem is you paid a DCA after the debts had been assigned...and they are not very forthcoming with keeping their data up to date with the CRAs.

 

Unlike sending out their threats to get payment for debts that are most probably either defunct...unenforceable....or all ready wrote off by the original creditors.

 

Write to Lowlife and ask that they correct the data on the CRAs and write to the CRAs and ask it be corrected..and if that fails write to the ICO Information Commissioners Office and inform them that Lowlife are not reporting accurate data.

 

Andy


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lowells didn't default you

the original creditors did.

 

 

dx


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