Jump to content


daughter has 2 ccj's 1 in arrears help needed


disneygirl
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1694 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi all

 

Briefly my daughter 27 years old, has 2 ccj’s (1 she has failed to keep up payments on) plus other credit card debts.

 

She is living with me temporary at the moment with her 1 year old son while trying to find accommodation.

 

She is dyslexic in words and numbers (plus mental health issues bought on by debt) cannot work out basic change in money, she is unemployed, so she is on benefits due to health issues.

 

She was living with her biological father at the time who apparently controlled all the money coming in while making sure all the bills were in her name.

This resulted in the 2 ccj’s which he dealt with by completing the paperwork and ADVISING her not to defend them.

 

She has now received a letter from Lowell dated 23/08/2019 “Notice of County Court Judgement (CCJ) Arrears”

Listing enforcement action pending and all the things they can do to her.

And 14 days to pay money she does not have.

 

my thoughts, few as they are is the following:

Would it be any good using court form N245 for “suspension/variation” or would it be better to use form N92 Application for an “administration order”?

 

YES it is her fault for not asking advice BUT if you cannot trust your own father who can you trust?

Thoughts advice much appreciated.

 

T

Link to post
Share on other sites

N245 vary both £PCM for each CCJ

 

are these recent

and when were the cards taken out please

and who with

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

What she was ordered to pay £ Per calendar month

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Hi all

dx

 

ref post 2 - my wrong no credit cards

 

ref post 4 - payments to Lowell Portfolio 1 - are 4 per month  at constant values small but add up, can post pdf of values if needed

 

Only reference is - Lowell Portfolio 1 - so she has no idea which payment relates to which debt

 

The only Active ccj listed on creditkarma is for a totally different case number and value?

 

Told her to close current bank account and open new one thereby cancelling payments, and to wait for paperwork through post?

 

Would this be the best way?

 

As regards paperwork for debts her relationship with biological is extremely toxic so no access to paperwork, just waiting to see what post delivers next.

 

T

 

Link to post
Share on other sites

so blindly paying dca's on several accounts then?

 

you idea of stopping all payments to everyone might turn out to be the best idea ...

go get her credit file

that might help unravel the spiders web.

 

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

sorry for posting twice needed to edit but forgot

Hi all

dx

 

ref post 2 - my wrong no credit cards

 

ref post 4 - payments to Lowell Portfolio 1 - are 4 per month  at constant values small but add up, can post pdf of values if needed

 

Only reference is - Lowell Portfolio 1 - so she has no idea which payment relates to which debt

 

The only Active ccj listed on creditkarma is for a totally different case number and value?

The paperwork Lowell has sent her regarding ccj arrears, the Claim Number is shown on creditkarma under "Financial Account Information / Open Accounts / Other Accounts"

Not listed as "Active CCJ"?

 

Told her to close current bank account and open new one thereby cancelling payments, and to wait for paperwork through post?

 

Would this be the best way?

Is it still worth completing N245 to post tomorrow?

 

As regards paperwork for debts her relationship with biological is extremely toxic so no access to paperwork, just waiting to see what post delivers next.

Sorry for long winded post seems more questions than answers

T

sorry dx cross posted 

have credit file in front of me now

Link to post
Share on other sites

Lowell are members of the CSA,

 

See below, from Section 3 K, 

 

 

https://cdn.ymaws.com/csa-uk.site-ym.com/resource/resmgr/docs/code_of_practice/code_of_practice.pdf

 

Doctor/s / consultants note off to Lowell, explaining why she isn't capable of responding, or defending herself, mentioning relevant parts of the COP.  Please back off  etc

 

They should drop it like a hot potatoe

 

 

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

Link to post
Share on other sites

Re all her old address es showing on her credit file??

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Good,

 

Anything from a doctor / social work team will work, treatments, and why she can't respond.

 

 

 

 

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

Link to post
Share on other sites

Hi

refer post 9: it is shown on Equifax as an "Active CCJ"

just goes to show - check as many credit agencies as possible.

refer post 8: the name shown on Lowell paperwork and on CCJ is not my daughters

Therefore I am struggling to complete N245 because of name difference

 

Posted letter to Lowell explaining situation and asking for "Debt and Mental Health Evidence Form" to be sent to her.

Any thoughts please.

T

Link to post
Share on other sites

obv without specifics

what do you mean by not her name.

 

jane doe not june doe etc....

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

 just a spelling mistake.

 

you are the only one with that problem..

and there isn't one!

 

use the details and the name from the JUDGEMENT.

 

a change of name, unmarried to married deed poll or whatever does not invalidate a CCJ.

its the same PERSON.

 

 

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...