Backdoor Lowell CCJ -old Orange Mobile debt - was already Statue Barred

[dx100uk]

this is why you never move without informing you creditors

regardless to if a debt is not owed or is statute barred

 

debt buyers will go for a CCJ at the old address

as they know they'll get a default non contested judgement

whereby no human ever sees or checks anything

and its simply rubberstamped.

 

however.

if you have written proof it was statute barred at the time of issuance of the claimform.

the you can set aside the CCJ but the cost is £255

 

unless you chance you arm and ring the claimant and ask if they'll set aside by mutual consent FOC.

 

dx

[dx100uk]

DCA's cant register defaults only the original creditor can

so

its within 6yrs

so

go ring EE

quote the account number

and get them to send you details of the last payment date

 

if they start sprouting about they cant its sold

tell then they marked your file with a default on 10/4/13

and as this is within 6yrs

 

under

the prevention of fraud act

AND

the Data Protection Act

 

they must hold data for 6yrs.

ask to speak to a supervisor

 

else you'll be straight on to the Information Commissioners Office

starting a complaint and will be seeking financial compensation

 

dx

[dx100uk]

they are HCEO's

they mainly do only business debts.

 

IF lowells get any bailiff involved

it will be most probably be a county court bailiffs

they are your friends

esp when you tell them it was already statute barred

and you are going for a set aside.

 

there is NO right of entry on civil consumer debts passed to bailiffs

[dx100uk]

I didn't say email I said RING THEM>

 

dx

[dx100uk]

so do as post 2 then

chance your arm tomorrow and ring the solicitors

 

tell them you are going to set this aside as it was statute barred by the time they issued the claimform

and that you will claim back the £255 fee from them..

 

however you are prepared to forget about that if they will set it aside by mutual consent FOC now.

 

oh and one other thing

no EE registered the default when they sold the debt on..., a DCA cant do that .

 

their name is next to it as their name replaces that of the OC when they purchased the debt.

[dx100uk]

just so you are forearmed...

 

They will argue that the statute of limitation runs from the cause of action..

[thinking that you are not very well versed]... .they deem the cause of action as the issuance of the DN[defaulted date] not the missed payment and the statute of limitations states.....

 

5. Time limit for actions founded on simple contract.

 

An action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued.

 

Accrued is a word they tend to disregard when arguing their case ...which of course it accrued from the first missed payment date

 

just so you can quote this if needed.

 

it will make them look fools in court if they object to the set aside FOC

[dx100uk]

and?

[dx100uk]

please update your thread

 

dx