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    • 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..        
    • Hi there, the company name on the bit of paper is:   Bristow & Sutor   Says the total amount £990.49 and this includes £235 enforement stage fees,  The CTAX was owed to North Tyneside Council. The guy also said that it wasn't just for CTAX. Other debts were combined.   I did leave other debts behind too when I moved. Perhaps a utility bill, credit card debts and a Provi doorstep loan.   I think the guy said that he would be back Saturday too. This is what I'm trying to avoid multiple visits. Don't want my mam to get upset.   Thanks for the help.   Bear
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krisx

I just lost to lowells in court

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I don't know if this will be of any use for you but I have very  recently had a small claims against Lowell for the removal of my default from my credit report.

 

Forget Principles!

Right or wrong.

Due or not due. 

Pay it and move on.

Get out of there asap. 

 

Feel sick - I did and do.

 Get it settled or satisfied. (Settled paid in full. Satisfied part paid 

Do a deal and get it in writing.

 

  Unless you have £1,000+ to lose or feel lucky?

Remember it's the lottery in reverse and you have just won the..... Lowell fish in a barrel award. 

 Lies, dam lies and statistics.

 

Then there are the mobile phone companies and Lowell.  

£320 (12m -  £25pm/£6pw/ couple of pints a week?) v ?

You need a solicitor or barrister?

Costs if you lose plus theirs?

Plus six years of misery - do not go there. 

 

In reality to do it properly you need to put £3,000+ in a bank and write it off if you lose.

Appeal?

Advice - look at the downside.

 

As the Judge said why not just pay it - because I don't owe it is surprisingly not the right answer.

Remember it is a lottery and work out the odds.

 

My case: Lost.

It was quite apparent the judge had little time, knowledge of the Data Protection Act, no knowledge of the Law of Property Act 1925 ( labelled as 'archaic' and then 'technical'  and no conception of how Credit reference Agencies work. 

 

They had a barrister who he 'conferred' with and a witness statement from the Lowell Barrister.

Whatever they said was like the word of god.  

Whatever I said was taken the opposite way.

 

The judge claimed to have never sent anything by recorded delivery and the barrister..oh i agree!

 

LPA s196 (3) includes a postman delivering by hand and S196 (4) recorded delivery is therefore only optional!

If only I  had a few million spare.

 

I'm just trying to be practical Do A Deal.

 

Mediate - they will give you few option and maybe nothing - but get rid of the default - off your record not just settled or satisfied.

 

Whatever you agree to make sure you stick to it or they might be back. Once it's over it will be behind you.

 

 

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You got judge lottery

Cant ever beat that

Own thread created

 

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

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I think you need to spend a bit of time here reading how to prepare a claim properly...your post sounds all over the place and not sure exactly what you was claiming for ?

 

Removal of a default ?  Lowell didn't place the default ...the original creditor did....why did you sue Lowell ?

 

Andy

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Does Lowell have a CCJ against you, not a default?

 

You seem to have relied upon Lowell not sending you a notice of assigment by registered post, therefore arguing Lowell is not a legitimate assignee of the debt.

 

That misleading claim is on a few Youtube videos. The LPA is clear that it's not a requirement to issue the notice using registered post.

 

Also, once a default is on your credit report from the original creditor, it will appear for six years. If the debt is purchased (Lowell), the default will show as satisfied. As per Youtube, that does not mean the debt has been paid and you no longer owe it. The purchaser, as the assignee, can take legal action to recover it.

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urm.. FmoTl twaddle me thinks followed here


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

spreadsheets 

 

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