HI
Hopefully someone can help me,
i really don't know what to do next.
i admit a few years ago i ran into a few problems and didn't keep up to date with outstanding credit accounts, the old bury my head in the sand.
I have being trying to get things in order and recently got my clear score credit report,
to my shock i had a CCJ for an outstanding overdraft which was being chased by Lowell.
As far as i remember i had a £1400 overdraft which i left unpaid. That was in 2009.
i moved house in 2011 and never heard any more about it, although i have had other lowell communications over the last few years
. I contacted lowell to ask for details and they informed me the CCJ was taken out in 2012 although the credit report says 2014.
They informed me i have arrears on the agreement of £1000 and must start paying £50 per month right away or they would take further action.
My main question is
do i have any rights to have this set aside
, Lowell have obviously had my latest addresses over the the last few years
why is the first I've heard about it when i got a credit report.
And also the overdraft was £1400 but the debt they are claiming i owe is £2605,
is there any way i can challenge this?