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TheCanisLupus

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  1. TheCanisLupus
    Brilliant, music to my ears. For all the advice and help and everything I've received from everyone on here I can't show my gratitude enough. If I could I'd take you all out for a pint, I would, so thank you all, I wouldn't have been able to have done this without the input. Thank you.
  2. TheCanisLupus
    If I pay this outstanding debt outright today for my dad, Lowell should contact the court to say it has been settle but should I contact the court too just to confirm with them that it's cleared as the lass on the phone said that it takes 10-15 days for them to process the outcome from Friday and I just don't want anything getting lost in transition. I.e. I pay the outstanding debt, Lowell and I inform the court but the court just processes the CCJ has been settled not the set aside because the set aside wasn't confirmed/processed prior to clearing the debt?
  3. TheCanisLupus
    Ok so the feedback given today was that the judgement has been set aside and agreee with the claimant of 4 repayments over 4 months. As long as the payments are kept to the agreement or paid earlier then the order won't exist. If repayments fail then the claimant can then process the order.
  4. TheCanisLupus
    Ah yeah that's the one. Will feedback tomorrow what's been processed with from the court.
  5. TheCanisLupus
    Hmmmm ok :/ will find out clarification tomorrow, the judge said about something called a "tolman"? too to the representative.
  6. TheCanisLupus
    Ok no problem I'll call them tomorrow and just get confirmation. I didn't receive any paperwork from the courts/judge/representative or anything but as I say after we came to an agreement the judge started typing up the outcome I think to update or close out the case or whichever. I don't think I ever want to go to court again though. Terrifying.
  7. TheCanisLupus
    Yeahhhh! that's what I'm lead to believe has occurred. If in doubt am I able to contact the court to enquire about the outcome? I only use Experian for my credit file tbh.
  8. TheCanisLupus
    Sorry, it was the terminology the representative said to me and he said that once the outstanding balance would be settled the judgement wouldn't exist
  9. TheCanisLupus
    Sorry, yes this was the reason and I think so because the judge asked the representative why shouldn't he set aside the CCJ because Lowell had no evidence to use against me. That's when he told the rep to contact Lowell to get an arrangement organised. Once that was done we went back into the room and the judge wrote the details down etc to process or whichever from his side. Ok that's good to hear, just a shame it'll take six weeks but better than six years!
  10. TheCanisLupus
    Hello all, Sorry I've not been on for past couple of month but I was just waiting on a court date which occurred on Friday just gone. Lowell sent an agency solicitor as such, not their own representatives and gave him no evidence to contest my request as such. The judge allowed him to raise some points from my witness statement but because he had no evidence to prove anything against my witness statement he threw us out and told him to get in touch with Lowell to come to an agreement as all this was a waste of his time and everyone involved. So an agreement for repayment was set up with Lowell and the representative said that basically the judgement against me is "paused" and if the repayments are kept up with the agreeemnt then the judgement will cease to exist. If a payment is missed then I can be taken to court again and the judgement would then go back on my file. I'm going to clear the outstanding debt on Monday (23rd Jan) to settle it completely and have my dad pay me back personally at a future date. My only query now is, once I settle the debt, how long will it be before my credit file is updated and cleared of the CCJ?
  11. TheCanisLupus
    In response to all of the above, EE told my Dad they would separate the contract and set up a new account for my Dad. His poor credit rating meant they couldn't but didn't tell me or my Dad this. Also to that, EE never contacted me about the upgrade being approved despite being the account owner not the contract owner. There are multiple level of failings from everyone in this messy situation. Ultimately I just want my Dad's debt being judged against him not me, I've never been in debt and always paid bills and direct debits on time. I wasn't a "guarantor" either which Lowell's legal trained employee seemed to think I was. Gah. Applying for the SAR, but going to send out the N244 form too on Monday and just hope for the best. If unsuccessful, I'll just pause life for 6 years.
  12. TheCanisLupus
    Bugger, I'll start this process today and see what comes of it. And ultimately whether it's beneficial to the situation
  13. TheCanisLupus
    How long would it take for EE to carry out the request? And do they actually have to carry it out too? I'm hoping this weekend, once my Dad is back from working away, I'll be putting everything together and sending it out to the court Monday, hopefully what I include and my Dad includes etc. will see fit.
  14. TheCanisLupus
    As it was done on the phone, there's no hardcopy of a contract being signed by my Dad. But you're right, any changes would have to have gone through me as I was the account holder but I was never made aware of any changes or contract upgrade from my Dad's mobile number. EE also said yesterday they could see a call was made but no order placed for the upgraded device, and they can't see any contract as it's with Lowell and Lowell say they don't have to provide copies of contracts anyway. If I was to do a Data Protection Subject Access Request, would EE not just reply with "we don't own the debt we sold it to Lowell contact them for anything regarding this matter"?
  15. TheCanisLupus
    Fair point, they do have correct first and last name and DOB. I do live at the same address and it was him who intercepted it and probably a valid point that the court papers had been served correctly but my Dad failed to notice they were for me or failed to inform they were for me, especially during an on going health issue. I'm slowly starting to feel defeated, and may have to accept the fact I'll have a CCJ on my file, albeit with a certificate of satisfaction as I'll just get my Dad to pay his debt and obviously never give him any finance on my behalf..

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