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  • FIRST POST
    • Sunfire40
    • By Sunfire40 11th Sep 17, 1:26 PM
    • 4Posts
    • 1Thanks
    Sunfire40
    Received Lowell Solicitors Notice of Intention to Enforce
    • #1
    • 11th Sep 17, 1:26 PM
    Received Lowell Solicitors Notice of Intention to Enforce 11th Sep 17 at 1:26 PM
    Hi all I'm a newbie here,

    I received a letter today from Lowell Solicitors for a Notice of Intention to Enforce for a debt of £868.04 that I'm sure I don't owe. Can someone help me with what I need to do next regarding sending letter's requesting further information etc.

    Thank you
Page 1
    • sourcrates
    • By sourcrates 11th Sep 17, 1:35 PM
    • 12,400 Posts
    • 11,813 Thanks
    sourcrates
    • #2
    • 11th Sep 17, 1:35 PM
    • #2
    • 11th Sep 17, 1:35 PM
    Hi,

    Sounds like Lowell have obtained a county court judgement against you.

    Do you think that may be the case ?

    Have you moved house lately, so didn't receive court claim forms ?

    Have you checked on your credit files ?
    Last edited by sourcrates; 11-09-2017 at 1:41 PM.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
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  • National Debtline
    • #3
    • 11th Sep 17, 1:38 PM
    • #3
    • 11th Sep 17, 1:38 PM
    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
    Last edited by National Debtline; 11-09-2017 at 1:40 PM. Reason: cross posts with sourcrates
    We work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps
    • Sunfire40
    • By Sunfire40 11th Sep 17, 1:54 PM
    • 4 Posts
    • 1 Thanks
    Sunfire40
    • #4
    • 11th Sep 17, 1:54 PM
    • #4
    • 11th Sep 17, 1:54 PM
    Yes the letter states this 'outstanding balance due under the County Court Judgement dated 22/05/2017. I move house a year ago.
    • sourcrates
    • By sourcrates 11th Sep 17, 2:15 PM
    • 12,400 Posts
    • 11,813 Thanks
    sourcrates
    • #5
    • 11th Sep 17, 2:15 PM
    • #5
    • 11th Sep 17, 2:15 PM
    Yes the letter states this 'outstanding balance due under the County Court Judgement dated 22/05/2017. I move house a year ago.
    Originally posted by Sunfire40
    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
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
    • Sunfire40
    • By Sunfire40 11th Sep 17, 2:25 PM
    • 4 Posts
    • 1 Thanks
    Sunfire40
    • #6
    • 11th Sep 17, 2:25 PM
    • #6
    • 11th Sep 17, 2:25 PM
    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
    • sourcrates
    • By sourcrates 11th Sep 17, 3:09 PM
    • 12,400 Posts
    • 11,813 Thanks
    sourcrates
    • #7
    • 11th Sep 17, 3:09 PM
    • #7
    • 11th Sep 17, 3:09 PM
    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
    Originally posted by Sunfire40
    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.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
    • Sunfire40
    • By Sunfire40 11th Sep 17, 3:12 PM
    • 4 Posts
    • 1 Thanks
    Sunfire40
    • #8
    • 11th Sep 17, 3:12 PM
    • #8
    • 11th Sep 17, 3:12 PM
    Ok great, thanks again for your help I'll let you know what their reply is when I write to them
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