Missed ccj payment

Debtfreemooo

Hello

Due to our current circumstances I missed 2 monthly ccj payments if £50 each. It is with lowell solicitors and I emailed them informing them of our situation and that I can get back to paying them from next week. They have replied saying

“After reviewing the information you have provided below we have made the decision to cancel the arrangement on your account and return the matter back to our client. Please note they shall contact you in due course “

Anyone know what will happen or what I can do ? I think there’s around £1500 left to pay.

Thanks

fermi

Is the £50 a payment schedule ordered by the court?

Debtfreemooo

It is yes, been paying for around a year now.

sourcrates

Lowell usually only litigate on there own debts, so when Lowell solicitors refer to "there client", I assume they mean Lowell portfolio, or another branch of the Lowell organisation.


Seems a bit of a strange response from them to be honest.

Just_Di

Debtfreemooo wrote: »

Due to our current circumstances I missed 2 monthly ccj payments if £50 each. It is with lowell solicitors and I emailed them informing them of our situation and that I can get back to paying them from next week. They have replied saying

“After reviewing the information you have provided below we have made the decision to cancel the arrangement on your account and return the matter back to our client. Please note they shall contact you in due course “

That comes across as a standard template letter when two payments haven't been received.

You didn't have an "arrangement" with Lowells, you have a CCJ where the court has ordered it to be paid at £50 per month.

I've looked at another thread of yours where you said you were off work on maternity leave but due to return shortly. That probably explains the cash-flow hiccough.

It's best to avoid things getting out of hand where Lowell Portfolio seek enforcement of the CCJ simply because Lowell Solicitors didn't tell them the whole story. You can wait for them to write to you, or you can contact them (Lowell Portfolio) and re-start the payments once you can afford them. They can't refuse to accept your money.

If £50 per month is not manageable then you can make an Application to Vary the CCJ to what you can afford, but there's a fee to pay unless you're entitled to fee remission.

Di