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    • I felt outmatched to be honest. Lowell probably did identify me on here and decided to send one of their more experienced. The guy they sent to last hearing didn't sound half as competent. The solicitor and judge were pretty much talking amongst themselves. That's how it felt. The Judge understood and accepted what the solicitor said at every point. She accepted fresh start as a brand name only. She accepted all the evidence were copies. She accepted I entered into a valid agreement. She accepted the error on the default notice was a typo. Felt like I lost before the hearing. If not, I wasn't able to express my points well enough. Not like the claimant who I'm sure was giving a law lesson. Completely out of my depth. I didn't ask to appeal. I'm upset understandably but grateful for all the help and support I received here. I've learnt a hell of lot but hope to never need it again.
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    • Thanks for your reply...much appreciated. Last payment date was December 2018. She had been paying £50/month from July, and they wanted £150/month, despite my partner losing her PIP (which was eventually reinstated after appeal). She stopped paying anything after they failed to supply a true copy of the original CCA (which she took out in 1981). Her name and address were different in 1981 due to marriage (and subsequent divorce!). Again, no mention of that in the “reconstituted” agreement which they supplied. Once again, many thanks and we both appreciate you putting time in to helping with this, especially due to the increased financial pressures of Covid on many people who also need your help.
    • never get a cca for a debt of that age when was the last payment date?   dx  
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Backdoor Intrum CCJ/Restriction K - now selling home- my sols says i have to pay it as Intrum have written to him!


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Hi folks,

 

long story and going back a few years....

 

I’m in the process of selling my house and discovered that a charging order is on the property.

This is from a old Lloyds loan sold to 1st credit which is now intrum. 
The CCJ was issued back in 2015 and the charging order in 2016.

 

when I found out about the CCJ I was in the middle of complaining with Lloyds bank regarding the loan as I was complaining that the loan should not have being offered to me at the time on affordable issues as it was to consolidate my debts at the time and expecting our 3rd child in 4 years.

 

the bank sold the debt on with the wrong address, this  can be proven with the address they were writing to me as the complaint letters had my correct address at the time. The bank also wrote to Intrum outlining their mistake they made in giving the wrong address when selling the debt, i have letter confirmed to me this information was passed on.

 

intrum went ahead and got the charging order knowing the address was incorrect and that I would not get any correspondence.

 

intrum is now demanding £10.5k from the house sale.

This is a sole debt on a joint mortgage.

 

I have told the solicitor dealing with the sale this doesn’t need to be paid, but she is saying because they wrote back to her stating the amount owed, it now has to be paid.

 

should I try and get this set aside with the issue of the address?

Has it being to long?

 

In fairness I have only just found out about the charging order.

 

The mix up with the address is it is my property,  how I have never lived in it and have never had my bank accounts listed to that address.

I think when I ran into trouble back in 2012 I think they must have done a search and got it that way.

 

any advice would be great.

cheers.
 

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then its a restriction k and doesn't need paying . 

all that needs to happen is the buyers sols needs to write to intrum informing them they are the new property owner

 

get a proper solicitor that knows the law!!

 

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... 

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  • dx100uk changed the title to Backdoor Intrum CCJ/Restriction K - now selling home- my sols says i have to pay it as Intrum have written to him!

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