unknown lowell CCJ JDW catalogue account

[coochy123]

My apologies if this is in the wrong part of the forum.

 

I recently emailed a DCA (Lowell) to get details of my debt with them so that I could set up a repayment plan with them.

 

They have informed me today that in June 2015,

they applied for a County Court Judgement on the amount,

it was awarded and I was ordered to pay back £50 per month.

They have obviously not received any payments from me as I did not know anything about it.

 

I moved in March last year.

Admittedly, I did not give Lowell my new address as it was a pretty stressful time

and it went over my head. I know, this is completely my fault.

 

Because of this though,

I literally had no idea about this CCJ until this morning.

 

 

I'm just wondering, if there is a way this CCJ can be removed as I wasn't made aware?

I have no issue with paying the debt, I just don't really want a CCJ over my head.

 

I'd be grateful if any of you could offer any help or advice.

 

Thanks in advance.

[theoldrouge]

please tell us the full details re the debt

 

do you have a credible defence to their claim?

[AndyOrch]

Not on your own...read the following...

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?463016-Lowell-Solicitors-CCJ-reminder(22-Viewing)-nbsp

[coochy123]

The debt was for a catalogue account, JD Williams. The total amount is £1135.86 and is from 2014.

 

I have checked trust online and it says there is nothing registered against my name but, that is at my new address as the system wouldn't recognise my old postcode.

 

Also, just to add. This CCJ is not on my noddle credit file or clear score. I haven't looked at experian/equifax as I'm reluctant to pay for them when I can get them for free.

 

Both of these credit ref agencies have my new and old addresses on.

[AndyOrch]

Now check with Northampton CCBC and see if they have anything registered...although they may require a claim number?

[dx100uk]

I recently emailed a DCA (Lowell) to get details of my debt with them so that I could set up a repayment plan with them.

 

 

...

sadly this one turned out to have a backdoor CCJ

but as a side issue...

I hope if you are doing this with other DCA's

[blindly offering repayment]

you are checking the debts are enforceable FIRST?

 

 

never blindly offer to pay a DCA on a debt without checking its enforceable first.

they are not bailiffs

and have no such legal powers

which is why they have to get a CCJ to force you to pay it.

[coochy123]

I recently emailed a DCA (Lowell) to get details of my debt with them so that I could set up a repayment plan with them.

 

 

...

sadly this one turned out to have a backdoor CCJ

but as a side issue...

I hope if you are doing this with other DCA's

[blindly offering repayment]

you are checking the debts are enforceable FIRST?

 

 

never blindly offer to pay a DCA on a debt without checking its enforceable first.

they are not bailiffs

and have no such legal powers

which is why they have to get a CCJ to force you to pay it.

 

Thank you. What do you mean by enforceable? And how do I check if it is? If it's not enforceable and I tell them/ignore them, what's to stop them getting a CCJ to enforce it?

 

Thanks in advance

[dx100uk]

you send a CCA request

how about starting another thread on these debts

and well help there

[coochy123]

Now check with Northampton CCBC and see if they have anything registered...although they may require a claim number?

 

I will check with them today, thank you