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Lowell Back Door CCJ's

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I've had 2 CCJ's from Lowell appear on my credit file that went to my old address, this meant that I was unable to defend them.

 

During that period Lowell were constantly writing to me at my current address regarding 2 other debts.

 

This meant that they must have known where I live now and could have easily sent the Claimforms there.

 

 

Is there any precedent for getting these set aside?


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Just because they were sending phishing letters doesn't mean you had in writing told them or previously the OC your new correct address

If you didn't, then they were quite legally allowed to file to the last known address for you regarding the debts


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Ok, that is pretty much as I thought. The only way to deal with it is to pay up and learn a lesson?


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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What were the org debts

Are you paying yet?


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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So far, I have started paying off a Cabot CCJ on behalf of Capital One at £50 per month

 

As for the others there are 2 Lowell one's. If I rang the court and ask for the claim forms would I be able to find out who the OC is?

 

I noticed there is also another CCJ from December 2012 that must have gone to an even older address. Considering the age of this judgement and that it will drop off my credit file in just over a year, would I be wasting my money paying it off?

 

Regards

 

Jonathan


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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ideally you shouldnt poke them at all

what made you start paying them?

 

as per that other thread

ring northants bulk

ask for a copy of each claimform & judgement CCJ to email pdf

 

 

could be stuff to offset by reclaiming too


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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A moment of madness?

thinking i'm doing something to improve my credit rating?

I never really worried about it until I started looking at buying a house.

 

I'll call Northants Bulk on Monday.

 

 

I also have a Capquest / Shop direct agreement for you guys to look at and tell me if it is enforceable.

I'll start another thread tomorrow or Monday for that.

 

Thanks for your help

 

Jonathan


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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A moment of madness? -yep

thinking i'm doing something to improve my credit rating? -nope

I never really worried about it until I started looking at buying a house.

 

I'll call Northants Bulk on Monday.

 

I also have a Capquest / Shop direct agreement for you guys to look at and tell me if it is enforceable.

I'll start another thread tomorrow or Monday for that.

 

Thanks for your help

 

Jonathan

 

 

sure


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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