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  • FIRST POST
    • sweencat
    • By sweencat 12th Jun 19, 9:36 AM
    • 5Posts
    • 1Thanks
    sweencat
    CCJ - Lowell / Provident
    • #1
    • 12th Jun 19, 9:36 AM
    CCJ - Lowell / Provident 12th Jun 19 at 9:36 AM
    Hello all first time poster just after some legal advice

    Was issued a CCJ last year by Lowell for a Provident debt (approx 1,450). It went to court last November and was adjourned as the court had made an admin error by not entering the date my defence had to be submitted on the papers. It was adjourned until Jan 2019 and on the day I was let down with childcare so was unable to attend resulting in the judgement being obtained against me.

    I paid up plus fees/court costs etc total of 1,891 within the 28 days so it would not go on my record and considered the matter closed.

    Since then (April 2019) I have had a claim for irresponsible lending/affordability upheld by Provident for all my previous loans (of which this was one) and have been refunded all my interest plus 8%

    I have this week received this letter from the courts saying that the original judgement has been set aside as new evidence has come to light that the account was sold in error by the original creditor

    Am I due a refund from Lowell as the CCJ has now been set aside? I know if it had been set aside before I paid then I would not have had to pay it
Page 1
    • sourcrates
    • By sourcrates 12th Jun 19, 9:43 AM
    • 17,420 Posts
    • 16,421 Thanks
    sourcrates
    • #2
    • 12th Jun 19, 9:43 AM
    • #2
    • 12th Jun 19, 9:43 AM
    No basically,

    You still owed the capital amount, you only get the interest you paid refunded, plus you got 8% statutory interest.

    So everything is now as it should be.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".

    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views expressed are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    • sweencat
    • By sweencat 12th Jun 19, 10:05 AM
    • 5 Posts
    • 1 Thanks
    sweencat
    • #3
    • 12th Jun 19, 10:05 AM
    • #3
    • 12th Jun 19, 10:05 AM
    If it had been set aside before the court date I would not have had to pay it though that is correct?

    The letter from the court says there is to be no order as to costs, should I be due to costs back at least?

    I am trying to upload the letter but it will not let me
    • sweencat
    • By sweencat 12th Jun 19, 10:10 AM
    • 5 Posts
    • 1 Thanks
    sweencat
    • #4
    • 12th Jun 19, 10:10 AM
    • #4
    • 12th Jun 19, 10:10 AM
    The letter says;

    IT IS ORDERED THAT

    1) The debt was assigned to Lowell Portfolio on or around November 2015 by Provident Peronal Credit LTD

    2) Judgement was obtained against the defendant on 22nd January 2019

    3) It has come to light that the account has been sold in error by the original creditor

    4) FOr the reason set out above, the claimant request the judgement be set aside and registration removed under part 13.3 (1) (b) (i) of the civil procedure rules

    5) Therefore the judgement on 22nd January 2019 is set aside and the registration shall be removed

    6) There be no order as to costs
    • sourcrates
    • By sourcrates 12th Jun 19, 12:46 PM
    • 17,420 Posts
    • 16,421 Thanks
    sourcrates
    • #5
    • 12th Jun 19, 12:46 PM
    • #5
    • 12th Jun 19, 12:46 PM
    Yes, that just means the judgement has been removed.
    When you win a claim for unaffordable borrowing, you get a refund of interest plus statutory interest @8%.

    You still owe the capital you borrowed, that is not refunded, so in effect you got an interest free loan.

    If you paid Lowell more than the amount of the capital borrowed, you should ask them to refund the difference to you.

    You do not, ever, get a refund of the capital you borrowed.
    If your still confused, ring the ombudsman and they will confirm.
    Last edited by sourcrates; 12-06-2019 at 12:48 PM.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".

    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views expressed are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    • sweencat
    • By sweencat 12th Jun 19, 12:54 PM
    • 5 Posts
    • 1 Thanks
    sweencat
    • #6
    • 12th Jun 19, 12:54 PM
    • #6
    • 12th Jun 19, 12:54 PM
    The capital amount was 1200. I have paid 1891

    I have had loans written off in other cases when the DCA have been unable to provide documentation like credit agreements from the original creditor but wasn't sure with this
    • sourcrates
    • By sourcrates 12th Jun 19, 1:01 PM
    • 17,420 Posts
    • 16,421 Thanks
    sourcrates
    • #7
    • 12th Jun 19, 1:01 PM
    • #7
    • 12th Jun 19, 1:01 PM
    The capital amount was 1200. I have paid 1891

    I have had loans written off in other cases when the DCA have been unable to provide documentation like credit agreements from the original creditor but wasn't sure with this
    Originally posted by sweencat
    You should ask Lowell to refund the difference between those two figures then.

    Having debts written off because a creditor has been unable to provide credit agreements is a different argument altogether.
    Last edited by sourcrates; 12-06-2019 at 1:03 PM.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".

    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views expressed are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    • sweencat
    • By sweencat 12th Jun 19, 1:04 PM
    • 5 Posts
    • 1 Thanks
    sweencat
    • #8
    • 12th Jun 19, 1:04 PM
    • #8
    • 12th Jun 19, 1:04 PM
    Hello, thanks for confirming. I wasn't expecting to get a refund of the capital, only the fees etc as per #6 of the letter I received from the court stating that no order for costs
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