Unknown lowell CCJ for a cat debt with shop direct

[josante]

Hello everyone,

 

I am new to this forum, I need some debt advice please.

 

I've been receiving letters from Lowell financial chasing me for two old debts for almost 4 months now.

They were threatening court action, so I finally responded .

 

One debt is for an old Tmobile account, (which I remember),

the other is from Shop direct (which I don't remember).

 

I sent them a statute barred letter the shop direct debt because I couldn't remember anything about the debt, I assumed it must be a very old debt seen as It doesn't appear on my credit file.

They have since responded to my letter saying I opened the account in 2004, last payment was in 2008.

 

Apparently I made a payment between 2009 and April 2013,

so based on the last payment of £10 in 2013

(which I don't remember)

they state that the debt is not statute barred.

 

The letter also states that a CCJ was issued against me in MAY 2014,

with the terms to pay £50 per month (again I had no clue there was a CCJ) which is now in arrears.

I need some advice for the best way to proceed please.

 

I am now stuck,

do I have any more leg to stand on, or do I just go ahead and make payment arrangement with them?.

 

The total debt they claim for shop direct is £1180.23, I can't afford this now, I'm already struggling financially and paying other debts.

 

Please help, what do I do next?, I don't want another CCJ or bailiffs at my door.

 

Thanks in advance for your time.

 

Jo x

Edited October 31, 2018 by dx100uk
spacing

[unclebulgaria67]

The £10 could have been for Data Protection Subject Access Request, rather than payment for a debt.

 

Phone Northampton County Court bulk centre and request a copy of any CCJ.

 

Ask Lowell to provide details of the £10 payment. Who it was paid to, exact date and what payment details were used. If you find that the £10 was not payment towards the debt, then you could look to set aside the CCJ, on the basis that the debt was statute barred at the time of judgement.

 

In regard to Shop Direct debt, then if this is not on credit records, then contact Shop Direct and make a Subject access request.

[AndyOrch]

Hi josante and Welcome to CAG

 

I have moved your thread to the appropriate forum...Financial Legal Issues Forum....please continue to post here to your thread.

 

 

Andy

[dx100uk]

which debt has the CCJ?

the shop direct cat account?

 

also start a thread in the debt self help forum

tell us about these other debts you are paying.

[josante]

Thanks for your reply.

 

Lowell informed me that a CCJ was issued for the shop direct debt, I honestly didn't know about it.

 

Thank you for your reply unclebulgaria67.

Will the county court charge to request a copy of the CCJ?,

according to my credit report on clear score,

I don't have any CCJ.

it should show up on there right?

 

Also do you know if there's a template of the letter I need to send Lowell to request details of the payment?

[dx100uk]

you say your CRA file is clean?

are all your old addresses showing?

[josante]

I've lived in my current address for almost 16yrs

 

Also just to mention I had a previous CCJ on my clear score report for something else, but now it says 'discharged' under the section for dates. Does this mean it's no longer active?. That's the only CCJ listed

[dx100uk]

for the minute id just ring northants bulk and ask for a copy of the CCJ and the CLAIMFORM by email PDF

sometimes there is a small charge.

[josante]

Will do. Thanks