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    • 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..        
    • Hi there, the company name on the bit of paper is:   Bristow & Sutor   Says the total amount £990.49 and this includes £235 enforement stage fees,  The CTAX was owed to North Tyneside Council. The guy also said that it wasn't just for CTAX. Other debts were combined.   I did leave other debts behind too when I moved. Perhaps a utility bill, credit card debts and a Provi doorstep loan.   I think the guy said that he would be back Saturday too. This is what I'm trying to avoid multiple visits. Don't want my mam to get upset.   Thanks for the help.   Bear
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iceblock

Backdoor Lowell telecom CCJ - £50pcm judgement received

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Hi everyone

I have just joined the CAG as I was told this site has helped many people in trouble

 

am I am in trouble with Lowells for an old telecom debt,

 

they have taken it to Northampton county court and a judgement has been passed without me knowing,

 

want a payment of £50 commencing next

 

what can I do about this I feel it may be too late????

 

Please can someone hlp me.

 

 

Regards

 

 

Iceblock

Edited by dx100uk
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so the claimform and all the letters were served to an old address and you never updated it?

have you moved recently?

 

go ring northants bulk and ask for a copy of the claimform and the CCJ by email PDF.

 

you'll need the CCJ number from you credit file


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No have not moved dx also have checked my credit file and they have placed a public order on there

 

 

Regards

 

 

Iceblock

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Did you not defend the CCJ then?

Were you aware that they had issued a claim?


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!

 

 

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No was not aware so did not defend

 

 

Regards

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Go do as post 2

This could be an easy set aside if your address WAS on the claimform


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Thanks I will do that -

 

 

Regards

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Thread title updated


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Morning,

 

I phoned this am and requested claim form and CCJ and this is all I got back

 

Particulars of claim:

 

1) THE DEFENDANT ENTERED INTO AN AGREEMENT WITH TALKTALK TELECOM LIMITED UNDER ACCOUNT REFERENCE .... ('THE AGREEMENT').

 

2) THE DEFENDANT FAILED TO MAINTAIN THE REQUIRED PAYMENTS AND THE SERVICE WAS TERMINATED.

 

3) THE AGREEMENT WAS LATER ASSIGNED TO THE CLAIMANT ON 23/03/2017 AND NOTICE GIVEN TO THE DEFENDANT.

 

4) DESPITE REPEATED REQUESTS FOR PAYMENT, THE SUM OF £304.17 REMAINS DUE AND OUTSTANDING.

 

AND THE CLAIMANT CLAIMS

A) THE SAID SUM OF £304.17

B) INTEREST PURSUANT TO S69 COUNTY COURTS ACT 1984 AT THE RATE OF 8% PER ANNUM FROM THE DATE OF ASSIGNMENT TO THE DATE OF ISSUE, ACCRUING AT A DAILY RATE OF £0.067, BUT LIMITED TO ONE YEAR, BEING £24.33 C) COSTS

 

Regards,

 

Jason Johnson

Helpdesk Administrative Officer

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

 

I also asked for PDF ?????????????????

Edited by dx100uk
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Pity you didn't check the address it was served to also.

 

What date is the judgment ?

 

Andy


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Andy,

 

Date of judgement was 18th June 2018, the person I spoke to said he sent a claim pack out 14th May I told him nothing was received I can ring again.

 

 

regards

 

 

Iceblock

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Andy,

 

 

Just spoke to them again and was told they don't keep copies and that is the only info they have also the address is incorrect as far as I know there is the same door number down my road one is a house and I live in a tower block so what I can make out the claim pack had gone to the other address if that makes sense.

 

 

Regards

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Thanks......so options.....

 

You can set a side the claim for incorrect delivery....but you must have a viable defence to offer.....otherwise its a further waste of £255 to make the application N244.

 

Alternatively you let the CCJ stand and request a redetermination of the £ 50 PM given that the judgment was made on the 18.6.18..you only have 14 days in which to do this (6 now)

 

This is free of charged if made within the 14 days

 

You can usually ask for a redetermination by sending a letter to the court, although you can sometimes be asked to complete form N244 instead. Check with the court. The case will normally be transferred to your local County Court hearing centre if there is going be a hearing. There is no fee to pay.

 

Regards


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Andy just a quick question called court they told me I would have to complete the following forms N244 and EX160 is this correct

 

 

regards

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Depends if you want to set aside [restart] the claim.

Or

If you wish to simply vary the sum PCM they have demanded

 

That would be n245 and is free for 14 days from judgement

As andy said

Dx


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Andy just a quick question called court they told me I would have to complete the following forms N244 and EX160 is this correct

 

 

regards

 

Which option do you wish to go for ?


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I am considering the variation form is this free or is there a fee?/

 

 

Thanks Andy

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Okay looking at your initial post this was a default judgment...so you will have to use form N245 to vary you cant use redetermination.

 

This will go to Northampton MCOL as the claim has never been transferred to your local county court

 

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...the EX160 is only used to apply for exemption of court fees..if your on benefits etc.


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Andy sorry I am quite dumb in all this if I use N245 will it cost further and will I have to go to court??? also if they want proof of benefit that will take time to be sent so really don't know whats next

 

 

 

 

Regards

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You have to use N245...no option.....shouldn't require a hearing...the fee is £50. (unless you submit it with the EX160)

 

Have you not got any papaerwork from the DWP (recent letters) to confirm your on benefits.

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?406096-LEGAL-EX160-160A-160c-Court-Fees-are-you-exempt.-**Correct-as-at-April-2018**


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Andy, No written letters just my bank statement the funds are paid in they mention on the notes form they will contact the DWP themselves to get proof so maybe they will not want written evidence

 

 

Thanks again for your precious time - messed up here

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:thumb: Only make an offer you can comfortably afford.

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Andy Just completed the forms but the both the N244 and ex160 does not ask for a breakdown of expenses I can pay £10 per month for now where would I address this n the form/?

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Thats because you should be completing the N245 not the N244

 

Post #18


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If you're claiming benefits and doing a Help with Fees application, I would seriously consider doing the N244 and applying for a set aside and then defending the claim, as you will not need to pay the 255 fee.

 

There was a very recent TalkTalk debt on this subforum that was dismissed by the DJ for lack of agreement etc.

Also if you can show that the correct address was on the account, however Lowells computers did not write it out correctly, you would have reasonable grounds for claiming non receipt of paperwork.

 

You shouldn't need to do an EX160 when you can use the following application here:

 

https://www.gov.uk/get-help-with-court-fees

 

I've done this a few times and at the end, if you qualify you should receive a code beginning with HWF at the end of the application.

You will also receive a copy via E-Mail.

You can type or write into the top right hand corner of most forms whether you do the set aside N244 or N245.

 

With a Help with Fees application you should not need to supply any supporting evidence of benefits,

the HMCTS obtain this on your behalf,

 

It is worth however, priniting out the help with fees email and including it with any form you send to the court,

just incase the clerk misses the application number at the top of the form.

Edited by dx100uk
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  • Haha 1

This is how I spend most of my life :ranger:

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