Lowell email received over 2016 bt and cap1 debts

[dx100uk]

2 hours ago, anna may said:

if i didnt contact them would be sending bailiffs with a charge of 235 pounds added,

the txt did not say that at all read it PROPERLY....

the only way BAILIFFS can ever be involved and used is if lowells already have a Court CCJ judgement against you and they return to court to ASK a judge to send them.

dx

[anna may]

hi word for word the message says

please contact us now on 03333201829 or an enforcement agent will visit you and a minimum fee of £235 {set by legislation} will be added to your balance quote re ++++++

that was sent on 20th feb,

i then checked on the register judgements and fines website to see if there were any ccjs but it was clear,i checked old address and my new adddress, 

will probably check again to see if there is anything 

thanks for your help 

 

[dx100uk]

as long as all your old addresses are showing on your credit file. there can be no CCJ, backdoor or otherwise.

dx

 

[anna may]

thanks dx

did i check the wrong thing ,

i havent checked any credit file as i have no credit at all not in well over 7 years now all bills are in my husbands name,

have joint building society account for our state pensions to go in thats it for me,

do not want any credit either at our age we just pay the bills when we get them

[dx100uk]

then time to go do it

all 3 credit ref agencies are FREE.

TBH lowell dont usually screw up where CCJ's are concerned, they must of gotten one by the backdoor by using an old address you were sofa surfing at?, though it would still show on your file (for 6yrs only) and so would that address.

if its over 6yrs old and dropped off , no judge is gonna grant enforcement now.

and anyway as it would be a consumer debt, ther is no right of forced entry so bailiffs are useless..

go figure.

dx

[anna may]

thanks dx 

much appreciated as always 

sorry to keep asking stupid questions but would the register that i checked show the same information as credit files,

as for  when we were sofa surfing was not registered anywhere for anything we were very ill and to be honest lost the will to live literally 

 

 

[dx100uk]

the issue with trustonline is you have to know the address used on the actual claimform else you will never find it, you cant just search by name.

thats where a credit file becomes useful, as if a ccj was registered somewhere in your name , then the address would automatically be added to your credit file under linked addresses.

although the CCJ itself vanishes from showing under credit file public judgements section after 6yrs, paid or not, the linked address would remain.

i really wouldn't fuss about this, unless you've comms where lowell directly state a ccj was awarded against you on (date).

now if they've given a CCJ number as well anywhere thats even more useful, as you can get details from northants bulk directly on the phone.

it could all just be someone else with the same name as you, but its unusual for them the write as well? was this before you sent the SB letter?

cause if it was, then they got your current address from your credit file, so some evidence of the judgement must be there. go look on the 3 credit file providers sites.

experian, equifax and i think credit kalma 

dx

 

[anna may]

hi dx

thanks for the explanation much appreciated 

have not heard a peep from anyone since i sent SB letter april 2023  last year, no communication at all from lowell since we blocked their emails

i am on the electoral register for new address and my current address was on SB letter

just started getting random texts and now phone calls which state to be from marston which have been blocked and reported. 

 

i will keep you updated 

thank you again x

 

Edited May 25 by anna may

[London1971]

It will take 5 minutes to register with Credit Karma, and if no CCJ is displayed it's likely that it's dropped off already. Although that doesn't mean that you don't still owe the money, there is no chance anyone will be able to enforce it.

[anna may]

thank you london 1971 will get on to it

much appreciated

[anna may]

Did as advised no ccj at all is showing up also paid for trust online just to make sure and nothing there either

Thanks everyone for help and advice 

It is much appreciated xx