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Help with Defaults and ccj's

chrisp1968
chrisp1968 Posts: 22 Forumite
in Credit file & ratings
I have 8 accounts with Lowells, all are in default by OC, they closed 3 accounts down when I sent them prove it letters, they are getting a CCJ on another account and I'm making £1 payments on the others. What I want to know is all the open accounts are at some point this year about to drop off my credit report as they are 6 years defaulted. Can the DCA get ccj's against me after they have dropped off if I stop paying them. Do the debts need to be in default for them to apply for a CCJ ? Can an account only be defaulted once ? Sorry for all the questions but thanks for any help.

Comments

  • happy_bunny_2
    happy_bunny_2 Posts: 4,488 Forumite
    Accounts can only be defaulted once.

    They can get a CCJ, even when the account has dropped off your report.

    The fact they own the accounts means they are defaulted? Or are they collecting for the original creditor? But yes, I think they need to be defaulted to go for a CCJ.

    Ate any of these accounts taken out before April 2007?
    :beer:
  • chrisp1968
    chrisp1968 Posts: 22 Forumite
    Yes a lot are pre 2007.
  • happy_bunny_2
    happy_bunny_2 Posts: 4,488 Forumite
    For pre 2007 ones, send. CCA request. Google it.

    If they don't have the original, they are rather stuffed
    :beer:
  • chanz4
    chanz4 Posts: 11,057 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Xmas Saver!
    happy_bunny wrote: »
    For pre 2007 ones, send. CCA request. Google it.

    If they don't have the original, they are rather stuffed



    the op hasnt stated what type of debts they are
    Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.
  • happy_bunny_2
    happy_bunny_2 Posts: 4,488 Forumite
    Good point. For cards, loans, catalogues send a CCA request. Not for overdrafts.
    :beer:
  • chrisp1968
    chrisp1968 Posts: 22 Forumite
    They are for credit cards, and catalogues, I have gone down the CCA request route and Lowell are still taking me to Court to get a CCJ for the account they didn't supply a CCA for !
  • happy_bunny_2
    happy_bunny_2 Posts: 4,488 Forumite
    chrisp1968 wrote: »
    They are for credit cards, and catalogues, I have gone down the CCA request route and Lowell are still taking me to Court to get a CCJ for the account they didn't supply a CCA for !

    Well, that's in your favour then.

    Check out legal beagles forum. They will help you in defending the claim as they have lots of experience dealing with Lowells.
    :beer:
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