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    • March 23: As the coronavirus crisis escalates, the UK is placed into lockdown with strict limitations on travel. The Government guidelines state: “You should not be visiting family members who do not live in your home.” The prime minister tells the UK public they "must stay at home". People are warned not to meet friends or family members they do not live with. Those with symptoms had already been told to self-isolate     Friday 27 March: Downing Street On the day Cummings ran out of No 10, his wife, Mary Wakefield, appears to have been already ill, according to her Spectator article about the experience, in which she says: “My husband did rush home to look after me.”   Both Boris Johnson and Health Secretary Matt Hancock test positive for coronavirus, while chief medical officer Chris Whitty says he has symptoms of the disease and is self-isolating.   Mr Cummings said: "I suddenly got a call from my wife who was looking after our four-year-old child. She told me she suddenly felt badly ill." He went home and after a couple of hours his wife felt better and he returned to work. "There were many critical things at work and she asked me to return [to work] in the afternoon and I did." He then "drove up to Durham that night arriving at roughly midnight" with his family.     In spectator articles on 24th and 25th April * Wakefield (wife) wrote in the spectator that Cummings said “I feel weird” and collapsed 24 hours after he came home to look after her * She went on to explain that for the next 10 days “Dom couldn’t get out of bed. Day in, day out for ten days he lay doggo with a high fever and spasms that made the muscles lump and twitch in his legs.” * Cummings wrote that “at the end of March and for the first two weeks of April I was ill, so we were both shut in together.” * The following days, by Wakefield’s account, were a mixture of family idyll and health nightmare, as she made a “palace out of polystyrene packaging” with their son … even as Cummings’s breathing got so bad that she feared he should be in hospital. But 10 days after her husband first fell ill, she said, he began to feel better – just as Boris Johnson went into hospital. That would place the improvement in his condition around Sunday 5 April,     Sat March 28th Is apparently the day Cummings said “I feel weird” and collapsed 24 hours after he came home to look after her His wife went on to explain that for the next 10 days “Dom couldn’t get out of bed. Day in, day out for ten days he lay doggo with a high fever and spasms that made the muscles lump and twitch in his legs.” Cummings wrote that “at the end of March and for the first two weeks of April I was ill, so we were both shut in together.” 10 days from March 28th – would take us to the 7th April.   Mon March 30: Downing Street confirms Mr Cummings is suffering from coronavirus symptoms and is self-isolating.   Tuesday 31 March/1st April: Durham The police have said that on 31 March they were “made aware of reports” of Cummings’s presence in the area and had then contacted the family to “reiterate the appropriate advice around essential travel”.   2 April: During the night, Mr Cummings' four-year-old son "threw up and had a bad fever". Following medical advice, an ambulance took the child to hospital. He was accompanied by Mr Cummings' wife   3 April: Mr Cummings' son spent the night in hospital and woke up the next day having "recovered". He was tested for coronavirus and his mother, who was with him at the hospital, was told "they should return home". According to Mr Cummings, there were no taxis so he "drove to the hospital, picked him up and returned home". He said he "did not leave the car or have any contact with anybody on this short trip".   Sunday 5 April: The ‘Abba’ sighting (despite claims of ten days where he couldn’t get up with a high fever) Cummings alledgedly seen in Garden with AbbA blaring But 10 days after her husband first fell ill, she said, he began to feel better – just as Boris Johnson went into hospital. Which would place the improvement in his condition around Sunday 5 April, … Although the claimed 10 days after the 28th – the earliest point at which Cummings was said to have been symptomatic – would be the 7 April. The Guardian approaches Downing Street about the story, only to be told by a spokesman: “It will be a no comment on that one.” Mr Cummings said "after I started to recover, one day in the second week, I tried to walk outside the house". He confirmed he, his wife and his son went for a walk into woods owned by his father and it was at this point he was seen by passers-by but his family "had no interaction with them". The exact date is not clear but his second week isolating in Durham would have between 4-11th   6 April: At some point in the week leading up to this date, Mr Cummings discussed his decision to travel to Durham with the prime minister. "When we were both sick and in bed," he said, "I mentioned to him what I had done. Unsurprisingly given the condition we were in, neither of us remember the conversation in any detail."   Fri April 10: Number 10 is again contacted for comment regarding Mr Cumming’s trip by the Guardian. Instead of defending the journey, officials declined to comment.   Fri 10th/Sat 11th April: The 14-day period of Cummings’s isolation would have expired on 10/11th April, assuming it is counted from when Wakefield appears to have first fallen ill on 27 March or when Cummings fell ill 24 hours later.   11 April: Believing he had recovered by this date, albeit "feeling weak and exhausted", Mr Cummings said he "sought expert medical advice". "I explained our family's symptoms and all the timings and asked if it was safe to return to work on Monday or Tuesday, seek childcare and so on. I was told that it was safe and I could return to work"   Sunday 12 April: Barnard Castle Wakefield’s birthday, according to Companies House records – they allegedly made a trip to Barnard Castle, a charming town 30 miles from the Cummings’s family property, described on the English Heritage website as having “fantastic views” and “plenty to do for families on a day out”. That detail emerged in an interview with Robin Lees, a retired chemistry teacher who lives in the town. Lees, who says he has a photographic memory, told the Guardian he was “a bit gobsmacked” to see Cummings, and then was so incensed that he made a note of the family car’s numberplate and checked it online when he got home. Cummings acknowledges he drove to Barnard Castle, 30 miles from his parents' home in Durham, with his wife and child. He explained this episode as needing to test his driving was fine before making the long drive back to London. He said he'd been having problems with his vision   Tuesday 14 April: London The Guardian asked Wakefield to confirm whether the family had been in London throughout the lockdown period, but received no reply. Cummings was photographed back in Downing Street on 14 April   Sunday 19 April: ‘bluebell’ woods - Cummings and Wakefield in Houghall woods? Could Cummings have then gone back to the north-east from London? Downing Street is emphatic that he did not. The denial came after another witness claimed to the Guardian and Sunday Mirror that they had seen Cummings and Wakefield on a country walk in Houghall Woods, a beauty spot near his parents’ property in Durham. According to this account, Cummings said: “Aren’t the bluebells lovely?” Cummings says he did not return to Durham   Monday 20 April Cummings seen in London again   May 23: Downing Street statement: “Owing to his wife being infected with suspected coronavirus and the high likelihood that he would himself become unwell, it was essential for Dominic Cummings to ensure his young child could be properly cared for.” The statement said: “At no stage was he or his family spoken to by the police about this matter, as is being reported. “His actions were in line with coronavirus guidelines. Mr Cummings believes he behaved reasonably and legally.” Speaking outside his home, Mr Cummings reiterated: “I behaved reasonably and legally”. When a reporter suggested to him that his actions did not look good, he replied: “Who cares about good looks? “It’s a question of doing the right thing. It’s not about what you guys think.” Later at the daily Downing Street briefing, Transport Secretary Grant Shapps said Mr Cummings had the PM’s “full support” and that Mr Johnson “knew that he was unwell and that he was in lockdown”. Mr Shapps said it had always been permissible for families to travel to be closer to their relatives as long as they “go to that location and stay in that location”. Meanwhile, deputy chief medical officer for England, Dr Jenny Harries, said that travelling during lockdown was permissible if “there was an extreme risk to life”, with a “safeguarding clause” attached to all advice to prevent vulnerable people being stuck at home with no support.   Health Secretary Matt Hancock and Chancellor of the Exchequer Rishi Sunak have tweeted their support for Mr Cummings.   Education Secretary Gavin Williamson said on Monday morning that Mr Cummings had "set out absolutely clearly and absolutely categorically he didn't break the rules and didn't break the law". The attorney general, Suella Braverman, tweet on Saturday in which she quoted the full text of the No 10 statement on Boris Johnson’s chief aide in which the prime minister said he had behaved “responsibly and legally”.   (Disgraceful) Boris Johnson said at the weekend Cummings acted “responsibly and legally and with integrity”   “The PM’s risible defence of Cummings is an insult to all those who have made such sacrifices to ensure the safety of others,” said Johne Inge, the bishop of Worcester, on Twitter.   “What planet are they on?” asked a front page headline in the Daily Mail, an influential right-wing paper usually supportive of Johnson.   https://descrier.co.uk/politics/dominic-cummings-and-wife-tried-to-cover-up-lockdown-breach-in-articles-for-the-spectator/   https://www.theguardian.com/politics/2020/may/24/dominic-cummings-timeline-what-we-know-about-his-movements   https://www.eveningexpress.co.uk/news/uk/timeline-the-coronavirus-lockdown-and-dominic-cummings-trip-to-durham/   https://www.bbc.co.uk/news/uk-politics-52784290   https://www.theguardian.com/politics/2020/may/25/attorney-general-faces-calls-to-resign-defends-dominic-cummings-suella-braverman   https://uk.reuters.com/article/uk-health-coronavirus-britain-cummings/what-planet-are-they-on-no-respite-for-johnson-and-aide-idUKKBN2310UE   https://cyprus-mail.com/2020/05/25/what-plant-are-they-on-press-slams-johnson-and-cummings/
    • simply tell them on the phone writing only sorry as I might want to escalate this to the fos or court. sorry but no speaky..speaky   you night find this interesting?   https://www.theguardian.com/money/2012/jun/09/life-insurance-misselling-aviva-hamilton-life   dx
    • I've had a few missed calls and then text from RBS wanting to talk about the letter I sent, two posts up.    Am I best to wait for them to write? Didn't really want to get into a discussion with them about it ideally!
    • I haven’t even looked.  I doubt some PR bod would have been in the loop.
    • Gove will be rubbing his little hands together in glee. He been quite careful in his limited wording in 'supporting demonic. but he poo'd his own pot a bit with that priority preferential test   No confidence vote (in PM not party).
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chimp123

Backdoor Lowell CCJ - old very cat debt at Old Address 11 years ago!

style="text-align:center;"> Please note that this topic has not had any new posts for the last 187 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

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I have today checked my credit file and I have a CCJ from Lowell Finance at an address I haven't lived at for more than 11 years. 

Lowell have chased me for this debt and another one at my current address. 

Surely this is illegal but I have read of course it isn't! 

 

I have had court cases with Lowell and won on two occasions so this is a cheeky tactic. 

 

I want to get this judgement set aside as I had no idea about it

to defend it (still fuming),

no chance to defend case etc,

no paperwork about the debt to prove it is mine etc. 

 

What is the best way to go about? 

I am just contact the court now via phone to get more details. 

It is annoying I have to pay a fee but it is what it is! 

 

Should I contact Lowell as well via letter? 

 

Just to add default on file is august 2018 so it won't be defaulted.  I believe it is for a very account

 

Any advice would be great.

 

Thanks

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So thru previous court claims you can prove Lowell knew your correct address prior to issuing this claim?


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Yes I can prove from a previous claim and chase letters that lowell knew my correct address.  Also from another debt they are chasing

 

All my credit file which they have search has my correct address on the electrol role, another debt they have defaulted me for and that link address I moved out of the one they got the ccj for 11 years ago! 

 

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Lowell didn't default you, the OC did upon sale or previous to them.

 

right i'll ask again..

 

have you successfully defended a claim from your current address prior to the issuance of this backdoor ccj and the issuance of its claimform?


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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ive defended another claim with lowell at this address.  But I havent defended this CCJ, noticed it when looking at credit file

 

 

Edited by chimp123

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but this ccj was attained after the one you defended yes?

so what does that tell you..


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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hey dx yes tells me they are very naughty!

So what would the best form of action be?

I'm going to write and pay for the set aside today and send off to courts. 

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ring lowells solicitors

catch them on the hop

 

tell them you want them to set aside the CCJ you've just found FOC to you as they already knew your correct address from the previous case.

they purposefully attained it using an old address.


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Thanks DX, called them as mentioned and told them the above! 

Seems like an advisor kept shirking my question about using an old address. 

 

Would you say best course of action is to write a letter to them recorded? 

I have emailed as well but not reply as of yet. 

Thanks in advance for any advice

 

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no question needs to be asked by you...

simply demand Lowell solicitors [who you should be speaking too NOT Lowell general number...]

set it aside free of charge to you as the KNEW your old address from the previous claim correspondence 

 

 

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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This is the reply from Lowell Sol, how should I base my reply?

 

Client Name: Lowell Portfolio I Ltd

Our Reference:                        

Balance: £3,176.09                               

 

Thank you for your recent email.

 

Please be advised that your telephone call dated 12 September 2019 was the first correspondence we received from you regarding the account. As there were links to your credit file at address and this was your last known address we issued the Claim form on 15 May 2019. Please note that It is your responsibility to update all creditors of any change to your address, this is to ensure correspondence has been sent correctly. Our client’s position is that the Claim was served to your last known address as per the Civil Procedure Rules, therefore the Judgment is regular and should stand.

 

We have raised your request for a Subject Access Request with the relevant department, they will collate the documentation requested and provide this to you in due course.

 

We note that you may be making an application to set the Judgment aside, if an application is made we will review any documentation received and respond accordingly.

 

Please contact us with your intentions regarding the above matter by return, failure to do so may result in one of the following forms of enforcement action being taken against you, incurring further costs to the account balance:

 

-          Warrant of Control: A County Court Bailiff will visit you at home to discuss payment of the outstanding balance.

-          Attachment of Earnings: Your employer being ordered to deduct payment from your wages.

-          Charging Order: If you own your home, securing a Charge against it so that payment of the debt will be deducted directly from the proceeds.

 

If you are experiencing financial difficulties, you may wish to seek free and impartial advice from StepChange Debt Charity on 0800 138 1111 or visit www.stepchange.org.uk

 

If you wish to speak with a member of our team, please telephone us between 8:00am and 8:00pm Monday to Friday or between 8:00am and 2:00pm Saturday on 0113 335 3334. Alternatively, you can now view your transaction history, use our helpful Budget Calculator and make payments including setting up a Direct Debit plan by registering online at www.lowellsolicitors.co.uk

 

Yours sincerely

 

Lowell Solicitors                     

Darwin House 7 Savannah Way Leeds Valley Park West Leeds LS10 1AB

image.png.1ad517528ceefd8a2ccd9aeb4637bb80.png

Lowell Solicitors does not accept service of any documents by email or fax

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As I have had 2 previous court cases with you [ case numbers xxx dates xxx] and won on both occasions , you already clearly knew my correct address.

you purposefully filled claim xxx date xxx to an old address you say you gained from my credit file I have not lived at for 11yrs!!

 

why if I have has 2 court cases against you and won, and my credit file shows my current address , did you purposefully use on from 11 yrs ago??

 

I demand you setaside CCJ number xxxx at no cost to myself within 14 days.

 

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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legend DX. 

Would they actually set it aside though? 

 

Have you heard of the company doing that before as I have been looking through a lot of different forums across the web and not come across it. 

 

Only read of people like me doing it and in most cases winning!

 

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we've certainly seen this happen successfully here yes with various DCA's, but cant remember if lowells are ones that have done it too

what was the debt?

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Thanks DX,

sent the email as you put above and copied in details of previous court cases/correspondence with them. 

It was for an unpaid very Catalogue

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Just had a reply from lowell

 

Thank you for your recent email.

 

When the account was allocated to Lowell Solicitors we obtained the address form our client.

 

As we received no correspondence until your telephone call on 12 September 2019 we had to rely on the information we were advised by our client in good faith.

 

We note your comments regarding setting aside the Judgment, this would be dealt with through the Courts, should you wish to seek any further advice on this matter. Please keep us updated regarding any correspondence from the Court.

 

As you mentioned, a County Court Judgment (CCJ) was entered against you for £100.00 to be paid monthly. You are currently in arrears of £300.00

 

As this account is now subject to a CCJ you may wish to seek independent legal advice.

 

You are required to make payments in accordance with the CCJ.

 

Please make contact in regards to your intentions towards your account.

 

Our Client would prefer to avoid further action at this stage because such action could increase the outstanding balance through the addition of enforcement related fees. However, if the account is not brought up to date and you fail to contact us to resolve the outstanding balance, our Client will consider enforcement action which, dependent on the outstanding balance, could include one of the following:

 

·         Warrant of Control: A County Court Bailiff will visit you at home to discuss payment of the outstanding balance.

 

·         Attachment of Earnings: Your employer being ordered to deduct payment from your wages.

 

·         Charging Order: If you own your home, securing a Charge against it so that payment of the debt will be deducted directly from the proceeds.

 

If you are experiencing financial difficulties, you may wish to seek free and impartial advice from StepChange Debt Charity on 0800 138 1111 or visit www.stepchange.org.uk.

 

If you wish to speak with a member of our team, please telephone us between 8:00am and 8:00pm Monday to Friday or between 8:00am and 2:00pm Saturday on 0113 335 3334. Alternatively, you can now register online at www.lowellsolicitors.co.uk to view your transaction history, use our helpful Budget Calculator and make payments including setting up a Direct Debit plan.

 

Yours sincerely,

 

Lowell Solicitors

Darwin House 7 Savannah Way Leeds Valley Park West Leeds LS10 1AB

Looks like I have to do the set aside myself which is no problem at all, any help filling one in would be great

 

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Looks like I have to do the set aside myself which is no problem at all, any help filling one in would be great?! 

Also in replying to lowell seems im just getting a standard response we have a ccj on you go away

 

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type in set aside in our search

lots of threads here

 

i'm really surprised that following two previous court claims

they blatantly say they can ignore those and legally file to an old address

whereby they know your correct address from previous COURT DOCUMENTS.

blimey.

 

dx

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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You have proof that they have your current address....Copies of the previous claims ? 

Have you a basis for  defence ?

 

Andy


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hello yes I actually sent them copies of past claims from a court case and also another outstanding debt that they have passed to resolve call. which I believe is just another lowell company? not started defence as of yet I've seen some templates etc I'll post up

 

I actually received an email today from resolve call acting on behalf of lowell and they have my current address on system.

shocked and annoyed I have to pay to get it set aside but something I am willing to do as this is very naughty tactic. 

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resolvecall were scotcall, just a powerless DCA not part of lowells, that threaten powerless DCA at your door.

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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they have offered 60% off resolve call on another debt which I'm tempted to take so it says partially settled on my credit file.

do you think I should try and get more off?

 

reason I want it settled is to improve my credit file. partially settled better than showing default all the time. 

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resets the 6yrs clock.

wont improve your score

probably make it worse

start a new topic on this other debt please


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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latest email from lowell, 

 

Thank you for your recent email.

 

As previously stated we obtained the address form our client and  we had to rely on the information we were advised by our client in good faith. It is your responsibility to ensure that all your creditors are updated with your current address.

 

Once we receive your documents we will take action and respond appropriately.

 

Please note your Subject Access Request (SAR) will be process and provided to you in due course.

 

Our client would prefer to avoid further action at this stage because such action could increase the outstanding balance through the addition of enforcement related fees. However, if the account is not brought up to date and you fail to contact us to resolve the outstanding balance, our Client will consider enforcement action which, dependent on the outstanding balance, could include one of the following:

 

·         Warrant of Control: A County Court Bailiff will visit you at home to discuss payment of the outstanding balance.

 

·         Attachment of Earnings: Your employer being ordered to deduct payment from your wages.

 

·         Charging Order: If you own your home, securing a Charge against it so that payment of the debt will be deducted directly from the proceeds.

 

If you are experiencing financial difficulties, you may wish to seek free and impartial advice from StepChange Debt Charity on 0800 138 1111 or visit www.stepchange.org.uk

 

If you wish to speak with a member of our team, please telephone us between 8:00am and 8:00pm Monday to Friday or between 8:00am and 2:00pm Saturday on 0113 335 3334. Alternatively, you can now register online at www.lowellsolicitors.co.uk to view your transaction history, use our helpful Budget Calculator and make payments including setting up a Direct Debit plan.

 

Yours sincerely

 

Lowell Solicitors

I will be filling in the set aside documents over the next two days and will post them just to see if you think I have done it correctly

 

I will be filling in the set aside documents over the next two days and will post them just to see if you think I have done it correctly

 

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