Jump to content

 

BankFodder BankFodder


zorro9583

Backdoor lowell CCJ for old studio debt - judgment for claimant(indefault)

style="text-align:center;"> Please note that this topic has not had any new posts for the last 717 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

hi all im new to all of this

 

I have recieved a letter of judgement for claimant

 

before this i recieved a letter that supposedly acknowledges a debt with studio but it doesnt have my signature on it and

 

in less than a week i have had a judgement for claimant letter and i dont know what to do.

Share this post


Link to post
Share on other sites

Hello and welcome to CAG.

 

CAn you tell us the history of this account please?

 

When taken out, How much, when last paid.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites

it was supposedly signed on 30/08/2012 and thats all my letter states theres no signature or any other details

 

i have sent them a statute barred letter

 

yet they claim that the last payment was made in 2014

 

when i asked for proof they could not provide it

Share this post


Link to post
Share on other sites

moved to legals and tidied.

 

did you receive any paperwork or letters before you got the judgement for claimant letter?

 

have you moved in recent years and failed to have post redirect and your pers details have by fraudulently used to open credit?

 

as this is an agreement post APR 2007, it would have been done on line so no sig is necessary.

 

dx


..

Share this post


Link to post
Share on other sites

yes i have received a letter from them

 

this debt was from when me and my partner had our first house and we did take out the debt

 

when we tried to pay it they said they cant accept it as it has been passed to a debt collector

 

my fiance rang them to pay it and they refused payment as it was her and not me

 

now its gotten to this stage and we did not here from them for about 4 years and now its gotten to this

Share this post


Link to post
Share on other sites

What debt is this???


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites

studio and it has been passed to lowell

 

im not trying to get away from this debt however i dont want a ccj when payment was offered to them twice and they refused to accept it

Share this post


Link to post
Share on other sites
yes i have recieved a letter from them this debt was from when me and my partner had our first house and we did takeout the debt and when we tried to pay it they saidthey cant accept it as it has been passed to a debt collector however my fiance rang them t o pay it and refused payment as it was her and not me and now its gotten to this stage and we did not here from them for about 4 years and now its gotten to this

 

But did you inform Studio you had changed address ? I assume not hence the claim form was sent to your previous address...judgment attained......Judgment claimant was aware of your new address as you have now received Notice of Judgment in default to your correct address.

 

So...options...agree a payment plan with Lowell or challange the judgment and set it aside and defend it (it will cost you £255 to set it a side unlessyou are exempt from court fees)

 

How much is the CCJ for ?

 

 

Andy


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

Share this post


Link to post
Share on other sites

no we didnt change address i assumed we did but obviously not as it was such a long time ago.

 

the debt was 432.93 and 107.00 costs total 539.93 and they are asking 50 pounds per month however i cannot afford 50 per month

Share this post


Link to post
Share on other sites
no we didnt change address i assumed we did but obviously not as it was such a long time ago.

 

the debt was 432.93 and 107.00 costs total 539.93 and they are asking 50 pounds per month however i cannot afford 50 per month

 

So do you wish to reduce it or challenge it ?


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

Share this post


Link to post
Share on other sites

well tbh id rather reduce it and try to come to a fair plan as 50 a month is alot for me as im not on alot of money im not sure if its worth challenging as im no lawyer

Share this post


Link to post
Share on other sites

Complete the following (N245) request a variation to the judgment and submit it to the court named on the Notice of Judgment

 

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?406098-LEGAL-N245-Application-for-suspension-vary-an-order-**Correct-as-at-Feb-2017**

 

The fee is £50


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

Share this post


Link to post
Share on other sites

well according to that form im living above my means anyway but by doing that will it mean the ccj wont be applied im sorry i have no idea

Share this post


Link to post
Share on other sites

Then offer £5pm the Judgment will stand irrespective unless you set it a side...assuming you can offer a defence with merit?


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

Share this post


Link to post
Share on other sites

okk what does a defence with merit mean how do i do that

Share this post


Link to post
Share on other sites
okk what does a defence with merit mean how do i do that

 

 

Google...


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites

Do you have legal grounds to challenge the claim....the reasons why you do not owe the money claimed.

 

Setting a side a judgment relies on a 2 part process

 

Grounds to set a side...1.they knew your new address...otherwise you wouldn't have got the Notice of Judgment to your correct address....

 

2.the debt was already statute barred at the time they issued the claim.The claimant cant disclose a signed copy of the agreement


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

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...