LOWELL / ALL OF A SUDDEN CONTACT FROM LOWELL

Mimi97

Hi, 

So in 2015 I was 18 and took out a phone contract, the phone broke and I stopped paying. Young and naive. Debt ended up going to Lowell. I was paying £10 a month or something then stopped. Can’t remember why I did.

but it ended up with me getting a CCJ. I didn’t attend court or anything as I never knew it was happening. 

Over them 6 years at some point set up the £10 again, then they rang to say it’s not good enough and they’ve cancelled the payment and I need to pay more. They will send out an expenditure form. Well I never completed that, I had a newborn now (2019) and couldn’t afford more so I thought ‘screw them’ 

After this they never contacted me again. The CCJ finally cleared and my credit score went up from 60 to (now) 720. 

In the last 5 months they have bombarded me with letters and phone calls, which I haven’t answered. As I’m unsure what to do. How can you not bother me for years then go on militant in 5 months?? 

I only owe them £686 but I have just moved house and never owed as much money as I do right now & they are definitely not a priority compared to other debts. 

The last letter I got was today saying ‘we’re considering further recovery action’ 

does this mean they can give me another CCJ? 

I heard something a few years ago about a 2 or 3 letter process for when an agency hasn’t contacted you or something in so long. But I’m not sure how accurate that is. 

Please help. Is there anyway I can get this debt squashed? It’s been nearly 10 years now. 

 

Tony5896

As I understand it, Once you have a CCJ you have it until it is settled even when it falls off your credit record, so no you won't get "another" CCJ, they can go back to court to get permission to enforce collection.  
I couldn't say if they will or not .. is a 600-700 debt worth it for them?

fatbelly

They can't get another ccj so that has now gone from your credit file

They are also out of time to enforce this without specific permission from the court, which there is no good reason to grant.

So agree that this is now a low priority. All they have left is letter writing.

The 3-letter thing was a construction of the Freemen of the Land and was legally garbled. I used to say that you would get the same effect by saying that you were from the Planet Zog and Earth laws do not apply.

I think ignoring them is the best policy.

sourcrates

Once legal action has been taken you can no longer dispute whether the debt is owed or not as a court decided it was.

Judgements are enforceable for 6 years, that time has now run out, so Lowell may threaten all kinds of end of the world type stuff, but in reality all they can do is write and call and ask you to pay, nothing more.

So I`m on the same page as fatbelly here, let them knock themselves out.