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Backdoor Lowell CCJ - old Tesco Card Debt - set aside hearing on the 30th..


Monimatters
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I’ve ended up getting a ccj from Lowell for a tesco credit card, this was put against me in jan 2019 I have only found out about it in March as I had moved and they issued the ccj against my previous property- that’s my defence in the hearing.
 

I straight away applied to get it set aside and the virtual hearing is on the 30th sept 2020

 

I can only assume the attached is their way of getting as much of this money from me as possible? Surely I go through the set aside process then negotiate a settlement.... agreeing to the order I lose the opportunity to negotiate.

 

ant advice would be great 

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its what lowells always do.

 

can you tell us about the debt history please and the CCJ.

 

you didn't receive the claimform because you failed to update your creditors/debt owners of a move.

so i can't see a reason there to set aside

 

and what defence do you have for the actual debt itself?

what did you put on the N244 for a defence ?

when was the last time you paid anything to anyone?

 

 

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... 

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  • dx100uk changed the title to Backdoor Lowell CCJ - old Tesco Card Debt - set aside hearing on the 30th..

Hi dx100uk,

 

Thanks for replying, any advice is appreciated.

 

Took a tesco Credit card out in 2012 all going well until 2015...

got in a spot of criminal bother after a fight on a night out, that lead to me losing my job and struggling very hard

 

I moved out of the apartment I owned to sublet it to pay the mortgage and got swept away with money issues and lost sight of this credit card after I’d maxed it out surviving. 
 

My defence is I didn’t receive it as had moved  had to sell my apartment I was in such a bad way with money, moved in with friends etc.(I dont know much on this subject so am clutching at straws it’s a defence)

 

Last payment was on 15/5/15

 

thanks a lot for your time 

 

 

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pers i think you've wasted that £255

i can't see a set aside reason

i can't see a defence.

 

might be better to agree to that consent order?

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... 

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12 hours ago, Monimatters said:

Surely I go through the set aside process then negotiate a settlement.... agreeing to the order I lose the opportunity to negotiate.

 

A consent order is an agreement from the creditor to set aside, in this case if you agree a repayment plan. It also reduces the cost of the set-aside to £100 rather than £255.

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I have been exchanging with their solicitor today to try and negotiate the final settlement but have not managed to budge them, they seem very keen to resolve before the 30th due to Associated costs. Is that a sign they aren't sure how the hearing will pan out? 

 

From the details available what would you do? its been there nearly 3 years already and i've survived so am tempted to take my chances in court and if it fails ride it for another 3 years. 

 

Thanks 

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well no they are trying to not to lumber you with the extra costs of the hearing surely where you IMHO will lose.

 

does the consent order not already give the figures?

what have you got to negotiate with..nothing i can see 

why do you not agree to their schedule?

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... 

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