Received Lowell Solicitors Notice of Intention to Enforce

Hi Sunfire40 and welcome to MSE,

A notice of enforcement would come from the bailiffs and not the debt collector, so hopefully they don't have a CCJ. Does the letter mention if they have a CCJ?


If they don't then you can write back with the 'proveit' letter that you can find in the sticky on this forum. It asks Lowell for more information about this debt and states that you do not recognise what they are claiming you owe. Send it recorded delivery and keep a copy.


Wait and see what response you get, and then try and get some more advice. You may be able to further challenge the debt if it is an old debt of yours, or if the evidence fails to demonstrate it is yours at all etc. They should put all enforcement action on hold whilst this is going on. And try not to worry about Lowell either, they are a debt collector and not a bailiff (they cannot repossess anything). Good luck,


Laura
@natdebtline

Sunfire40 wrote: »

Yes the letter states this 'outstanding balance due under the County Court Judgement dated 22/05/2017. I move house a year ago.

Right so you didn't receive the court papers, and have had judgement awarded by default then.

You can still ask Lowell for information on the debt, if it turns out its not yours, or you have some other defense, you can apply to the court for a set aside, there is, however, a cost to this of £255.00, (remission may be available if your on a low income).

You need to fill in court form N244, information here :

https://www.gov.uk/county-court-judgments-ccj-for-debt/if-you-dont-owe-the-money

Sunfire40 wrote: »

Thanks, is it best to call or write to Lowell requesting further information and are there any template letters on here that I can use?

Thanks

You could ring, but expect to be pestered for payment, much better to write to them.

Just ask for details of the judgement, what account it relates to, whose name its in, explain papers were sent to your old address, and that you may be looking to have this set aside.