Letter from a court at an old address, for a debt - What to do????

fatbelly

Skintandscared wrote: »

I am filling in the form, acknowledging that we admit the whole amount, and are willing to pay in installments - Will it still go down as a CCJ if it goes to court??? I am confused!

I cannot afford the £400 or i'd pay it off asap

Yes it will be a ccj with an order to pay by instalments

Skintandscared

!!!!!!!!!!! I've just posted on the Legal Beegles website that was put on here, so going to have a long discussion about it with my OH tonight -
How can they just try and register a CCJ when the !!!!!'s have deliberately tried to get this taken to court??? I !!!!!!! HATE debt collection agencies and idiots like this!!!!!!

fatbelly

You seem to have had good advice there, and a complaint to FCA seems a good idea, as is a Tomlin Order if you can't pay in one lump.

It's a shame that you seem to have accepted that this is valid and enforceable as many of the debts Lowell buy (and BC enforce) are not - they are often statute barred and often are consumer credit act debts with no signed agreement.

I don't like to see Lowell getting any income whatsoever - maybe the FCA will do us a favour and revoke their licence.

sourcrates

fatbelly wrote: »

I don't like to see Lowell getting any income whatsoever - maybe the FCA will do us a favour and revoke their licence.

With you on that one, maybe a letter to Santa ?

Skintandscared

fatbelly wrote: »

It's a shame that you seem to have accepted that this is valid and enforceable as many of the debts Lowell buy (and BC enforce) are not - they are often statute barred and often are consumer credit act debts with no signed agreement.

It was a relatively recent debt - well 3/4 years ago and we've already paid nearly £300 back up until February 2015, does this make a difference? Could I ask them to prove that this is in fact a real debt? As he didn't actually sign a credit agreement?

I suppose that by my admission that I am "willing to work out a repayment plan", I have already admitted that we claim liability for the debt??

If I can fight this, I will, and trust me I have a LOT of time on my hands to be contacting the FCA regarding this matter....

National_Debtline

Skintandscared wrote: »

It was a relatively recent debt - well 3/4 years ago and we've already paid nearly £300 back up until February 2015, does this make a difference? Could I ask them to prove that this is in fact a real debt? As he didn't actually sign a credit agreement?

I suppose that by my admission that I am "willing to work out a repayment plan", I have already admitted that we claim liability for the debt??

If I can fight this, I will, and trust me I have a LOT of time on my hands to be contacting the FCA regarding this matter....

Hi there


What was the actual nature of this debt? The lack of a signed agreement won't necessarily matter if it was as a result of your OH opening the account online. As it's a relatively recent debt, it's that much less likely that it will be disputable on any Consumer Credit Act-related technicalities..


The statements you made to Lowell re: being willing to work out a repayment plan won't have changed anything in terms of liability. What matters is whether you end up admitting or disputing the debt in your response to the court.


Dennis
@natdebtline