Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • Tubatubs
    • By Tubatubs 8th Mar 18, 9:45 PM
    • 1Posts
    • 0Thanks
    Tubatubs
    CCJ help
    • #1
    • 8th Mar 18, 9:45 PM
    CCJ help 8th Mar 18 at 9:45 PM
    I'm struggling with LOWELL financial. They one a ccj through default for a debt I believed that 1. I did not owe and 2. Citizens advice told me was statute barred. I paid within the 28 days and on the same day wrote to them saying I had only paid to stop the ccj going on my credit file and still dispute the debt and asked them for proof I owed it. They said they didn't have to send me proof but would as a gesture of goodwill. They haven't sent me proof as suspected and also have put the ccj in my credit file. Is there anything I can do? If this is in the wrong place let me know I'm not used to forims. Thanks x
Page 1
    • sourcrates
    • By sourcrates 8th Mar 18, 11:58 PM
    • 14,330 Posts
    • 13,528 Thanks
    sourcrates
    • #2
    • 8th Mar 18, 11:58 PM
    • #2
    • 8th Mar 18, 11:58 PM
    Hi,

    We move posts if we believe they will get more responses elsewhere.

    I have moved your post to the DFW forum.
    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 are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Free Legal advice see : http://legalbeagles.info/
    • sourcrates
    • By sourcrates 9th Mar 18, 12:05 AM
    • 14,330 Posts
    • 13,528 Thanks
    sourcrates
    • #3
    • 9th Mar 18, 12:05 AM
    • #3
    • 9th Mar 18, 12:05 AM
    They are correct they have no further obligation to you once the debt is paid in full.

    Can I ask why you did not defend the claim on the basis of it been statute barred ?

    That was your chance to make them prove their case against you, or not.

    If for some reason you failed to get the court papers, you should of applied for a set aside motion, anyway, as you have paid, you have acknowledged the debt and nothing can be done about that now.

    However, if you paid within 28 days, write to the court and Lowell, and tell them so, enclose your evidence for this.

    They should remove the CCJ from your credit file.

    If all else fails complain to the ICO.
    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 are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Free Legal advice see : http://legalbeagles.info/
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

3,144Posts Today

7,961Users online

Martin's Twitter
  • RT @LaraLewington: ...and mine suggested I'd achieved a lifelong ambition of being sawn in half by a magician - at our wedding. Wasn't. Don?

  • We are working on it - I think BA has behaved awfully on this. Those flight were no obviously a glitch. It should? https://t.co/8pvtXtUEqi

  • RT @thenicolabryant: Absolutely. We need mental health and financial health as advocated my @MartinSLewis , to be taught in schools. So muc?

  • Follow Martin