daughter has 2 ccj's 1 in arrears help needed

[disneygirl 0]

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

[dx100uk 8,521]

N245 vary both £PCM for each CCJ

 

are these recent

and when were the cards taken out please

and who with

 

[disneygirl 0]

Hi dx

Sorry for late reply had to rush daughter to hospital for ongoing Gall Bladder problems

please explain "£PCM"

Will post details of all asap when I have more details

Many thanks again

 

T

[dx100uk 8,521]

What she was ordered to pay £ Per calendar month

[disneygirl 0]

Forgot to state name on Lowell paperwork and on ccj are the same but her biological could not even spell her names correctly so both Lowell/ccj in wrong name 

Many thanks again

 

T

thanks on pcm will check

[disneygirl 0]

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

 

[dx100uk 8,521]

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

 

[disneygirl 0]

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

[disneygirl 0]

so bearing in mind paperwork received from Lowell is not for an Active CCJ ( according to credit file ) is it worth sending N245 to court OR are Lowell pulling a fast one??

T

[London1971 919]

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

 

 

[dx100uk 8,521]

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

[disneygirl 0]

@ London1971 many thanks will follow up asap. She is under the care of a social health team at the moment all trying their best to help her

 

@ dx every address she has lived at is shown on credit file

 

T 

[London1971 919]

Good,

 

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

 

 

 

 

[disneygirl 0]

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

[dx100uk 8,521]

obv without specifics

what do you mean by not her name.

 

jane doe not june doe etc....

dx

[disneygirl 0]

Hi dx

would a pdf be the best way to explain?

 

T

[dx100uk 8,521]

however you wish sure

 

[disneygirl 0]

Untitled 3.pdf

 

it probably does not make a difference.

The problem I have is in completing N245 because of different names used on documents.

[dx100uk 8,521]

 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.

 

 

 

 

[disneygirl 0]

many thanks

will do

T