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    • As I recall the only thing you tried telling us was based on a quote that you selectively edited by Lord James of Blackheath. You misrepresented it as a statement of fact when it was actually a question which was laughed at by his peers in the House of Lords.  We told you it was garbage, you asked us to prove it and we did.   Remember?
    • 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..        
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mummycass1

lowell court proceedings

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Hi I am having a very difficult time from Lowell .

they have taken court action .

I keep trying to explain that it is not my name on the so called debt but nobody is taking any notice

 

I am having great difficulties with Lowell debt .

the debt they are claiming is mine is not in my name or have they provided any proof of it being mine .

they have now issued court proceedings

I have tried to explain all of this to them but to no avail

Edited by Andyorch
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Hi.

 

 

Do you already have a thread about Lowell please?

 

 

HB


Illegitimi non carborundum

 

 

 

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Hi I am hoping to get some info on how to deal with Lowell - court action

 

No I have just posted about the problem I am having with lowell

Edited by Andyorch
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Okies, I'll move you to the Financial Legal forum in view of the claim form.

 

 

HB


Illegitimi non carborundum

 

 

 

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Thank you

 

The problem being it is not in my name ,I have tried explaining this but it is ignored

Edited by Andyorch
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Could you let us have the information requested in the forum sticky please? It will help the guys to advise you. I've assumed you're in England or Wales.

 

 

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-2018**

 

 

HB


Illegitimi non carborundum

 

 

 

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sorry I do not no how to reply

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just type here what has happened to you ..

 

follow the one cabot started against you in court last year

 

dx


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I have received from Lowell a debt letter but the problem is it is not in my name ,

 

I have tried to explain this to them but to no avail .

 

they then sent me a county court summons

I sent this back to court explaining that this is not my debt as they have not provided any evidence and it is not in my name .

I also returned to Lowell the same this is not my debt as it is in the wrong name .

 

they then sent me a small claims paper work ,

which again I returned with the same this is not my debt wrong name

also no proOf provided .

 

now I have received from court a letter that I have not filled in this small claims form

 

why would I its not in my name plus they have not provided prof other wise

Edited by dx100uk
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Like before youve got a claimform

What date is the date top right on the claimform N1


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It is 31/08/18

Edited by mummycass1
looked in wrong place for date

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ok so you sent in a defence

did you send in a cca request and a cpr request as before?


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No I haven't sorry

 

I have a drs appointment at the hospital ,as soon as I return I will get on to this .

Edited by Andyorch
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when you get back tell us exactly what you have done with this claim to date please

and expand on this name issue please

 

its totally not your name?


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Hi to date I have returned papers to court explaining this debt is not in my name ,

also Lowell have not sent any paper work to prove it is my debt.

 

Court replied they have sent to Lowell my return paper work and they have 28 days to reply.

 

I also sent to Lowell the same copy of the letter again saying this is not my name plus they have not provided any thing to prove it is my debt ,

the only thing I received is a small claims paper work to fill in .

 

I returned to court that this is not my name

-they returned back to me saying that they could not prosses as I had not filled it in

well I haven't as it not got my name on ).

 

So far that is were we at

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if its not in your name you don't need to do anything with it.

 

explain why its not your name

 

is it like your name [but spelt wrong say?]

or has someone taken out credit at an old address you moved out of

they've now traced you and claim its you


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Hi It is like my name by having some of my name in it ,

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have you still got the original court paperwork still?

 

on the front sheet there is a box called particulars of claim.

 

can you type that out as it appears WORD FOR WORD EXACTLY.

but leave out anything that identifies your name or address.

 

regardless to the name issue, do you recognise this debt at all?


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Hi I do still have original court docs. as for the debt no I do not recognise.

1)

The defendant entered into an agreement for a Graton PLC and Freemans PLC accountunder ref …... (the agreement)

2)The Defendant failed to maintain the required payment and the agreement was terminated .

3)The agreement was later assigned to the claimant on 04/01/2018 by Graton PLC and Freemans PLC notice given to the defendant .

 

4) Despite repeated requests for payment the sum of £719.85 remains due and outstanding .And the claimant claims.

a)The said sum of £719.85

 

b)Interrest pursuant to s69count court Act 1984 at the rate of 8% per annum from the date of assingnment to the date of issue . accruing at a daily rate of £0.158, but limited to one year ,being £37.55

 

c)costs

 

Sorry also I have not received any thing from them with a signature ?

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its a freemans shopping catalogue debt.

 

typically [since 2006] these can be taken out online by simply ordering from the website, there would have been a tickbox agreement.

very few pers details are needed for fraudsters or by identity theft to achieve this.

 

without me looking back..have you moved in recent years?


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No I haven't moved in for years 12 yrs.

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why don't you log in to that MCOL website they talk of on the page where those particulars of claim are and see what the status of the claim says?

the password is at the end of the information box on the right.

 

it appears the court have excepted your defence hence giving lowells 28days..they say that in the same letter .

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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Reclaim mis-sold PPI Read Here

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The CAG Interest Tutorial Read Here

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I have tried to get on the MCOL it is saying ( there is a error in the I.D. or password ) . at the minuet I am trying to contact the help phone number.

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if you remember this thread:

https://www.consumeractiongroup.co.uk/forum/showthread.php?481666-cabot-Mortimer-claimform-old-julipa-JDW-CAT-Debt

 

you use the same registration [log it] you did then

 

log in with it

you should see two claims.

 

then use the bits required from the new claimform.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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