Lowell Portfolio chasing old HFC debt - Statue Barrred?

[Wonderwall1]

P.S Really appreciate your help Unclebulgaria - Wish I could give you something back.

[unclebulgaria67]

Ah I see, I thought Lowells could apply to enforce it. The CCJ was granted Mid-April 2008, so you think 3 months isn't enough time for them to substitute?

 

 

Bet they send me a bloody SD instead!!!!

 

I though it was Feb. Wait until after 6 years has gone by since the CCJ, before you check your credit record.

 

The point is that if Lowells did try something, you could rightly point out that HFC still have the enforcement rights for the debt under CCJ reference xxxxxxxxxx.

 

Therefore as far as you are concerned,

 

Lowells cannot currently enforce the debt.

Edited December 9, 2016 by honeybee13
Name change

[Wonderwall1]

I though it was Feb. Wait until after 6 years has gone by since the CCJ, before you check your credit record.

 

The point is that if Lowells did try something, you could rightly point out that HFC still have the enforcement rights for the debt under CCJ reference xxxxxxxxxx. Therefore as far as you are concerned, Lowells cannot currently enforce the debt.

 

 

 

OK, thanks, will keep you posted on their next letter - Thank you.

[Wonderwall1]

I have received a Notice of Transfer - what does this mean?

 

Your case has been transferred to the local court for hearing.

 

If you as the defendant are an individual, this will be your local court.

 

If you are a business, then this will be the Claimant or Claimant solicitor's local court.

 

If you need more information regarding the hearing then please contact the court the case has been transferred to.

 

If judgment has already been entered against you,

 

then the case may have been transferred to enforce the judgment.

 

- Ahh, this is quite worrying.

 

It seems that if my CCJ has been transferred to my local county court, then its for a hearing to enforce.

 

Although Northampton Court told me today that it was transferred at the same time as the judgement ( 04/08 ).

 

 

Should I contact my local county court tomorrow for more info, or is that playing with fire???

[unclebulgaria67]

When was this notice of transfer received ? Have lowells made a recent application at your nearest court ? Is there a hearing date ? If so, can you check with the court to find out what the hearing is about.

[BRIGADIER2JCS]

Transferred for enforcement to your local court = creditor applies for warrant of execution, instructs bailiffs, applies for attachment of earnings etc, if judgement has been made.

[Wonderwall1]

When was this notice of transfer received ? Have lowells made a recent application at your nearest court ? Is there a hearing date ? If so, can you check with the court to find out what the hearing is about.

 

My father has not received any mail for me from my local county court.

 

When I rang NCC today, the first person said that it has been transferred to my local county court, and gave me the number.

 

I wanted to ring, but didn't want to open a can of worms.

 

I rang back to NCC and spoke with second person and I asked WHEN it was transferred to my local court

and was advised "at the same time the CCJ was granted",

so I assumed it was standard practice.

 

But obviously when I read the above I wondered if the second person made an error and it HAS only just been transferred.

 

I want to ring my local court, but obviously don't want to put my foot in it somehow,

e.g my address is unknown, so technically I know NOTHING about all of this, other than my dad forwarding me letters.

[staytet]

Hi

I would think Northampton have just sent you a letter out confirming a change of court due to your call

If there was a hearing you will be notified so I would sit tight if you can

[BRIGADIER2JCS]

You cannot evade this you must contact your local court, it appears they already know where you are as the case has been transferred.

 

You will be traced at some point.

[Wonderwall1]

Hi

I would think Northampton have just sent you a letter out confirming a change of court due to your call

If there was a hearing you will be notified so I would sit tight if you can

 

 

 

Thanks for the reply - They told me it was transferred to my local court as soon as I gave them the reference number and before I could even give them any information, so I doubt they transferred it DUE to my call. They don't have my current address.

[unclebulgaria67]

My father has not received any mail for me from my local county court. When I rang NCC today, the first person said that it has been transferred to my local county court, and gave me the number. I wanted to ring, but didn't want to open a can of worms. I rang back to NCC and spoke with second person and I asked WHEN it was transferred to my local court and was advised "at the same time the CCJ was granted", so I assumed it was standard practice. But obviously when I read the above I wondered if the second person made an error and it HAS only just been transferred.

 

 

I want to ring my local court, but obviously don't want to put my foot in it somehow, e.g my address is unknown, so technically I know NOTHING about all of this, other than my dad forwarding me letters.

 

Sounds like an old transfer. If there was to be a hearing, then the court would have sent something to your fathers address to advise you.

 

I suspect that HFC requested the hearing at your local court years ago or you did but you do not remember this. Hence why the transfer is at the same time the original CCJ was considered.

Edited December 9, 2016 by honeybee13
Name change

[staytet]

They would still have to notify you of a hearing I think and that would go to your dads address , unless you have a previous address when the original judgement was obtained

[Wonderwall1]

Sounds like an old transfer. If there was to be a hearing, then the court would have sent something to your fathers address to advise you.

 

I suspect that HFC requested the hearing at your local court years ago or you did but you do not remember this. Hence why the transfer is at the same time the original CCJ was considered.

 

 

That's the thing, the CCJ was registered at my old marital home, not my fathers. If there is to be a hearing, I would never know about it unless I rang my local county court.

 

 

I would never of seen the CCJ forms as I left the old marital home 3 months before CCJ granted and I could not imagine HFC requesting a hearing the same month the CCJ was registered?. If this is something to do with Lowells, would Lowells advise the court that my dads address is a "possible" to send any court papers too?

 

They would still have to notify you of a hearing I think and that would go to your dads address , unless you have a previous address when the original judgement was obtained

 

 

Judgement obtained at a previous address, nothing registered to my dads whatsoever.

[Wonderwall1]

Sounds like an old transfer. If there was to be a hearing, then the court would have sent something to your fathers address to advise you.

 

I suspect that HFC requested the hearing at your local court years ago or you did but you do not remember this. Hence why the transfer is at the same time the original CCJ was considered.

 

They would still have to notify you of a hearing I think and that would go to your dads address , unless you have a previous address when the original judgement was obtained

 

 

 

Lowells are succeeding in stressing me out tonight.

[unclebulgaria67]

Lowells are succeeding in stressing me out tonight.

 

No you are stressing yourself out. If Lowells were actually doing anything with the debt, why is this is not mentioned in the letters received recently at your fathers address. I doubt that Lowells even know about any CCJ, as if they did, they would have applied to be substituted ages ago.

 

I really don't think Lowells have any court hearing at your local court, but if you want to be reasurred about this, then phone the court. I doubt they have anything listed.

Edited December 9, 2016 by honeybee13
Name change

[Wonderwall1]

No you are stressing yourself out.

If Lowells were actually doing anything with the debt,

why is this is not mentioned in the letters received recently at your fathers address.

I doubt that Lowells even know about any CCJ,

as if they did, they would have applied to be substituted ages ago.

 

I really don't think Lowells have any court hearing at your local court,

but if you want to be reasurred about this,

then phone the court.

I doubt they have anything listed.

 

True,

I suppose they would of told the court in the application that my address was (dads).

And again I am sure they would of mentioned the CCJ from the start

(though I am surprised they haven't checked the registry).

 

At the end of the day its been 2 months since the 1st letter from Lowells

and they haven't mentioned the CCJ,

neither have I had anything from the courts to my dads,

 

also I am registered at my current address with HMRC Revenue,

so I am sure the court could access that data for letter purposes.

 

Thanks unclebulgaria, again ill keep you posted

[Wonderwall1]

Hi All,

 

Hope I am not tempting fate here ,

 

 

but just an update to let you all know that since my last post I have not heard from Lowells at all.

 

 

The CCJ for the debt is 6 years old on 16/4/14, so I am looking forward to that date!!

[Wonderwall1]

Hi everyone,

 

Will be posting again soon regarding assistance on my situation in general,

 

 

howver just incase any one is searching for an update on this,

 

 

I can confirm I have received nothing further from Lowells.

 

Regards

 

 

Hi All,

 

 

Hope I am not tempting fate here , but just an update to let you all know that since my last post I have not heard from Lowells at all. The CCJ for the debt is 6 years old on 16/4/14, so I am looking forward to that date!!

Edited December 9, 2016 by honeybee13
Name change.

[Bazooka Boo]

Waiting with interest!