Unknown Lowell CCJ old CAT debt - advice please

[isbo]

Hi,

I'm hoping for advice, please:

 

We're going for a mortgage.

I've just done an Experian search and discovered a problem, namely a CCJ issued on 03/08/17 at Northampton County Court.

 

They say it was from Lowell whom have a solicitor called Cohen/Cramer.

I know absolutely nothing whatsoever of this CCJ.

 

I've tried endlessly all morning to speak to the CCBS but the phone just never gets answered. I assume they're tremendously busy.

I would very much appreciate help/advice/guidance please.

 

I have a case number off the £4 Government advice website thing, that tells me absolutely sod all that Experian didn't, but they were free. Idiocy.

 

Number I'm calling is 0300 123 1056.

 

The reason I know it's Lowell is I rang an 01604 number which turned out to be the Court but for Northampton residents only and the helpful guy there looked at his computer and said that was whom it was from, but he knows nothing else and to call the useless, pointless, inane, time wasting, and costly to me, business centre number.

 

The Experian entry says, incidentally, that the CCJ was at my current/correct address...

[AndyOrch]

Do you have an Idea what the debt could be from the value ?

[isbo]

No, it's for £1.510.00 - I'm assuming it's historic from when I got into a mess 4 years ago, as I've had nothing new since 2013.

[AndyOrch]

Just have to keep ringing Northampton and ask for a copy of the N1......then you can decide what your next move is subject to what the debt actually is and if you could defend it .

[isbo]

I know. I've been calling and calling and calling since 10am. It rings out forever then hangs itself up, or is engaged.

[dx100uk]

cohens usual trick of magically finding the correct address the day the CCJ is issued...

when everything before funnily went to an old address....

[isbo]

Then they're a bunch of inhumane

 

Oh, the very helpful guy at the wrong number for the Court suggested I call said solicitors, which I'm wary about. I just simply do not trust them.

[dx100uk]

oh no never call the fleecers nor theirs dogs.

 

you can always email northants bulk

and ask for a a copy of the claimform and the CCJ by email PDF

[isbo]

3 hours 18 minutes of trying to call the Court. Super stuff, your Majesty's Court.

 

oh no never call the fleecers nor theirs dogs.

 

you can always email northants bulk

and ask for a a copy of the claimform and the CCJ by email PDF

 

Suspected as much, thanks dx. You don't have the correct email address do you, please?

[dx100uk]

https://www.moneyclaimsuk.co.uk/ccbc.aspx

[renegadeimp]

It will take them a couple days to respond to you but theyre usually pretty fast to give you the info.

[Old Cogger]

Cohen Cramer Solicitors

 

 

29 Park Sqaure

 

Leeds

LS1 2PQ

 

Phone: 0800 542 9408 try this free one

 

 

but call Northampton combined court for info 1st , try not to telephone cohen

[isbo]

Thanks. So I emailed the bulk centre address given on that link, and got this bounceback:

The following message to was undeliverable. The reason for the problem: 5.x.0 - Message bounced by administrator

 

I'll email the address for CCBC given here I think: https://courttribunalfinder.service.gov.uk/courts/county-court-business-centre-ccbc

 

I've sent the request and had a holding auto-reply.

 

The mortgage company have said that if I can get this unrequited CCJ removed we are able to immediately purchase our own home, which would mean everything to us after a harrowing time with my health.

[London1971]

No worries, we just got a mortgage with 4 CCJ's and 2 defaults between us! Worst case scenario you might need to pay it off and wait 3 months. Very worst case scenario you may need to wait a couple of months u too the CCJ is 6 months old!

 

Even if you can't get it removed it's not the end of the world, so don't lose any sleep!

[Old Cogger]

Claim responses & directions: [email protected]

[AndyOrch]

Alternatively...the one you used was incorrect

 

[email protected]

 

[email protected]

[isbo]

Alternatively...the one you used was incorrect

 

[email protected]

 

[email protected]

 

Thanks. The one our friend dx links to is the dead un.

 

London me old China, thanks for the support, much appreciated and just the tonic after a mega bad day.

[isbo]

Like you say, worst case scenario I’ll pay the money, and that’s clearly how they roll the dice.

[dx100uk]

my link had all those just didn't indicate which to use:

 

Email

[email protected]

[email protected]

[email protected]

[email protected]

[isbo]

my link had all those just didn't indicate which to use:

 

Email

[email protected]

[email protected]

[email protected]

[email protected]

 

The one for the bulk, the one to use, is the last and dead one dx.

[London1971]

The only real thing that seemed to put the brakes on my mortgage application was an old PDL for £250 that I had forgotten about. I had to pay this off and wait 3 months !

[isbo]

You did well there London.

This was attached to the holding reply, for further use of other folks that need it:

 

Help the CCBC help you by filing your electronic Court documents correctly

 

 

This will ensure your work is processed in an efficient and timely manner.

 

 

To be sent by email

With the Subject heading

Send to email address

Claim Responses

Claim Responses

Complete Online at:

www.moneyclaim.gov.uk/

Directions questionnaire

Directions questionnaire

[email protected]

All Fee paid Applications (N244, draft orders etc)

Applications

[email protected]

Certificate of service

Certificate of service

[email protected]

Determination Judgments

Judgment

[email protected]

Address changes

Address changes

[email protected]

Intention to proceed

Intention to proceed

[email protected]

Request for copy of Judgment

Copy Judgment

[email protected]

General correspondence

Claim number only (e.g 1AA23456)

[email protected]

Paid in full

 

Paid in full

Complete Online at:

www.moneyclaim.gov.uk/

 

 

 

Thank You.

[isbo]

So after 16 days I've had a response, please see below. I'd love some advice as to what to do - £255 court fee?!?!

 

Good Afternoon

 

Thank you for your email, unfortunately we are unable to reproduce a copy of the original claim form but have provided the claimant information, particulars of claim and post judgment options below.

 

Claimant: LOWELL PORTFOLIO I LTD

Claimant’s solicitor: COHEN CRAMER SOLICITORS (7402)

Telephone: 0113 887 8861

Reference: 252/6xxxx

 

Particulars of Claim

 

the claim is for the sum of £1239.18 due by the defendant under an agreement regulated by the consumer credit act 1974 for a jd williams account with an account reference of c60xxxxx

 

the defendant failed to maintain contractual payments required by the agreement and a default notice was served under s.87(1) of the consumer credit act 1974 which has not been complied with.

 

the debt was legally assigned to the claimant on 31/mar/2014, notice of which has been given to the defendant.

 

the claim includes statutory interest under s.69 of the county courts act 1984 at a rate of 8% per annum from the date of assignment to the date of issue of these proceedings in the sum of £99.13

the claimant claims the sum of £1338.31

 

What do I do if I want to pay the Judgment now?

 

All payments towards the Judgment should be sent direct to the claimants solicitors, or if they have no solicitors, directly to the claimant. The court cannot accept payments.

 

If you do choose to pay this judgment or have already paid, you will need to forward the court a letter from the claimant or their solicitors stating that the judgment has been settled and the date of final payment. Please note that this letter must include the case / claim number printed as part of the original letter.

 

Judgments paid within one month of the date of judgment can be marked as cancelled and removed from your credit history.

Any judgments paid after the first month can be marked as satisfied, but remain on your credit report for six years from the date Judgment was entered.

 

After you have paid the Judgment, if you would like to apply for a certificate of satisfaction or cancellation, a court sealed document confirming the amended status of the judgment, please send a cheque or postal order for £15.00, made payable to HMCTS, along with the proof of payment from the claimant or their solicitors.

 

What do I do if I cannot afford to pay?

 

If you are unable to pay your Judgment you can apply to pay by instalments using the N245 ‘Application for variation of an order’ form. This form can be downloaded. Copies of the form can also be provided via post on request. Please read the enclosed guidance notes thoroughly before sending an application to the court as incorrectly completed applications will be returned to you.

 

There is a £50.00 court fee to process the application, payable by cheque or postal order to HMCTS.

 

If you cannot afford to pay this fee you can check if you are eligible for help with court fees by referring to the EX160 Help with fees form and EX160A Help with fees guidance, which can be downloaded at www.justice.gov.uk/forms or provided on request.

 

You can also apply for ‘Help with Fees’ online.

To do this you will firstly need to log into https://www.gov.uk/get-help-with-court-fees.

You will then need to follow the on screen instructions inputting your name, address, NI number, etc.

 

Once you have completed the online form you will be given an ‘HwF’ reference number, you will need to clearly note this on your application form(s).

Please note that the online process will only generate an ‘HwF’ reference number and will not tell you whether or not you are actually eligible for Help with Fees.

 

Please note, all payments towards the Judgment should be sent direct to the claimants solicitors, or if they have no solicitors, directly to the claimant. The court cannot accept payments.

 

Can I appeal against the Judgment?

 

If you think that a Judgment has been entered against you incorrectly and you would like to remove it you can apply to set the Judgment aside using the N244 ‘Application Notice’. This form can be downloaded. Copies of the form can also be provided via post on request. Please read the enclosed guidance notes thoroughly before sending the application to the court as incorrectly completed applications will be returned to you.

 

There is a £255.00 court fee to process the application, payable by cheque or postal order to HMCTS.

 

If you cannot afford to pay this fee you can check if you are eligible for help with court fees by referring to the EX160 Help with fees form and EX160A Help with fees guidance, which can be downloaded at www.justice.gov.uk/forms or provided on request. You can also apply for ‘Help with Fees’ online. To do this you will firstly need to log into https://www.gov.uk/get-help-with-court-fees. You will then need to follow the on screen instructions inputting your name, address, NI number, etc. Once you have completed the online form you will be given an ‘HwF’ reference number, you will need to clearly note this on your application form(s). Please note that the online process will only generate an ‘HwF’ reference number and will not tell you whether or not you are actually eligible for Help with Fees.

 

Please note, an application to set the Judgment aside is not automatically granted. The outcome of your application is at the discretion of a Deputy District Judge or a court appointed Legal Advisor.

 

If you require any further information please contact our helpdesk on the number above. Alternatively you can email us at [email protected]; Please ensure that you state the above case number in the subject heading of your email.

 

Regards,

 

Darren Lyon

CAPS,TEC & Money Claim On Line Administrative Officer

County Court Business Centre | HMCTS | St Katharines House | 21-27 St Katharines Street | Northampton | NN1 2LH

 

Web: http://www.gov.uk/hmcts http://www.moneyclaim.gov.uk/web/mcol/welcome

 

If you are a claimant please click here for our Money Claim Online User Guide which includes detailed and useful information about all aspects of your claim progression.

 

CCBC: 0300 123 1056 | MCOL: 0300 123 1057 | CAPS: 0300 123 1058 | TEC: 0300 123 1059

[dx100uk]

yes all quite standard.

[isbo]

OK, glad to hear it's standard. But this fee?! Am I at risk of throwing good money after bad here?

 

May I ask for some help with completing N244?