Help with Lowells buying up debts

mar4848

I have a feeling that Lowells has bought an old debt of mine and is possibly hanging on and doing a backdoor CCJ (the debt is from dec 2014 for £120) they have already bought a cjj which was registered on my credit file dec 2018, 6 months after i moved, and was showing as discharged on recent reports (i didnt know what the debt was for, but it was for an old O2 account, which i didnt have on my credit report, so was probably SB) they have also bought alll my partners old debts, most i think were SB but am now worried about more backdoor ccjs to our old address.



Havent contacted lowells yet about any of these. They have sent me a letter for the ccj saying their clients obtained a ccj for £488, but £400 is outstanding and i hadnt kept up with the £100 a month demanded by the court, they say they would rather not enforce and are willing to negotiate payment.



But what to do next? My partner paid a lowell debt earlier this year (we were trying to rectify old mistakes) , and i think thats why they have bought everything. I dont actually mind having them all with one company, but i feel they are being sneaky. This entry on my credit report is now showing monthly payments being paid, and i have certainly not paid anything.



Who do I contact? the debt on credit file shows as carphone warehouse, which i think may be talkmobile, i left them with a clear account, but they charged me for contract (even though I could barely use the phone as it wouldnt get a signal, i think i managed a couple of text messages in the whole time i was with them).

[Deleted User]

Contact whoever holds the debt according to your credit files.

If you don't want a 'backdoor' CCJ, make sure everyone has your current address.

mar4848

Thanks. When I moved I checked my credit report, carphone warehouse £120 one was the only debt listed, im not sure the best way to contact talkmobile? should I send them an email with my old account number on it?



What im worried about is maybe Lowells are buying up very old SB debts not our files, and will chance backdoor ccjs. Although I think they have done this already with the 3 letters my partner got and the one I got. I suppose the SBs are now null and void

[Deleted User]

You can contact tmobile by whatever means suits.

If the debts are statute barred, then they can't get a CCJ. Status barring doesn't have a null and void option.

[Deleted User]

What’s a “backdoor” ccj?

Surely a way to avoid any ccj is to pay your debts?

mar4848

Seriously Gary? Im sure im not the first person who's circumstances drastically change. If you havent experienced it, then dont count your chickens...Thought I had a fail safe managerial job, soon learned nothing is safe. And its easy when priority debts take hold, that non priority falls by the wayside. I had been debt free after a long haul slog, this ccj appeared in the new year, after a year of me checking religiously on my credit file (when it became all free, and i could check) there was no such account on there .



I moved in the June, and this supposed CCJ appeared in the january on my credit file (woth the date of ccj om the December), and then was 'discharged' on the next report, guess who it was discharged to.



The talkmobile is dispute, if they tried, id defend ccj they would lose (all my statements for usage show all i could in the 2 years i was with then was a few text messages,no phone calls, etc etc, i could never get a signal and my phone switched off randomly too) i litterallly saw out my contract duty then canceelled, I left without debt on my account. that 'supposed' thing showing on my credit report is just their made up charges, despite showing payments misssed, in ordanary circumstances, without lowells underhand tactics, they wouldnt dare take to court for ccj)

[Deleted User]

They can’t make up charges.
There must have been charges for something.
And having no signal doesn’t warrant a contract being cancelled without penalty

mar4848

The phone didnt work properly either. As I said above I was with them for 2 years. Anyway, im sending notification of change of address, probably offer them a couple of quid a month, can't be doing with another 3 years of this.


Is it possible that when I phone the court to ask for details of a CCJ, that I could ask to check if there is anything ongoing, and give them my new address?

[Deleted User]

The phone would be under a warranty and could have easily been returned or swapped.

The ccj will be on your file 6 years from the date it was issued.

And yes you can update them with a new correspondence address

rintyrad

ignore Gary he trolls every single post on this forum. doesn't help anyone, just tells them to pay their debts. the guy is living in a dream world

[Deleted User]

rintyrad wrote: »

ignore Gary he trolls every single post on this forum. doesn't help anyone, just tells them to pay their debts. the guy is living in a dream world

Pot-Kettle...