Lowell purchased an old MBNA card debt with a +10yrs old CCJ - still paying £1PCM...

[Duvdeda]

I wish I had known about this forum earlier. better late than never.

I had an MBNA credit card and around 2008 lost job and later at some stage defaulted.

Debt changed hand and moved to a couple of DCAs and then Britannia decided to take me to court.

I was shaken and didn't appear for hearing. Had never been in any problem with the law.

Court decided against me and I wrote to court (they were very helpful) explaining my state.

Court decided a token payment of £1/week. This was in 2013.

I have maintained this ever since.

The debt changed hands again, I believe. Every so often I would receive a letter from a different outfit (think about 7 in total) asking me to contact them.

Now, Lowell say they have bought the business and have sent me an income-expenditure form.

I am both annoyed and confused as to what to do?

I have only just started getting on my feet and there is so much that the house needs due to neglect in maintenance.

I would be most grateful for guidance.

Thank you

[dx100uk]

pers i'd simple stop paying 

see what lowell/overdales want to do.

you can always restart if it gets sticky.

but no-one can make you change what a judge ordered.

[Duvdeda]

This went to ccj around 10 or maybe a bit more years ago and since then changed hands about 5 or 6 times.

I have been making nominal payments as agreed/ordered.. by court. None have been missed.

Two weeks ago received letter saying I had missed payment and this week received letter saying bring payments up to date or we we will cancel the agreement/arrangement and go after the full amount.

[dx100uk]

doesnt say WILL anything i bet. read it properly and carefully ,,,... could/should/might/instructed/may....

you've already cancelled the agreement by stopping payment? as suggested?

lets ee who and what they are actually saying please probably overdales?

always better to scan up letters to one mass pdf

read our upload guide carefully..

[Duvdeda]

I didn't stop payments. It was a case of not waking up the sleeping dogs. They use 'we'll'. My payments are up to date.

[dx100uk]

scan it up please..

dx

 

[Duvdeda]

willcancel.pdf

[dx100uk]

scan the WHOLE OF THE LETTER ALL PAGES BOTHSIDES PLEASE 

to one mass PDF

[Duvdeda]

Sorry for the delay. I have been having problems with my printer. The other side of the letters had a list of ooutfits that offer help.

I binned the originals after scanning

Scan.pdf

Edited July 31, 2023 by Duvdeda

[dx100uk]

as i said does not say WILL anything.

not sure where you are getting this scared about a powerless dc from.

they are not bailiffs

i would stop payments

have you moved since the judgement and are lowells aware of your current and correct address....i e you had written in the past to the previous ccj owner giving your address?

you should never ever blindly pay a dca on any debt regardless to them having an historic judgement or not. esp when they were not the claimant.

 

dx

 

 

[Duvdeda]

Thanks for the reassurance. 5 or 6  'dca' before Lovells the original dcs took me to county court but I did not appear for hearing (just too scared).

CC decided against me and after I wrote to them decided on £1 (nominal payment).

The ccj was just over 10 or 11 years ago.

Since then its been moving from dca to dca.

I have maintained payments for the sake of peace.

I haven't moved home.

I am just worried what will happen if I stop paying... like violation of ccj.

[dx100uk]

they would have to return to court to enforce the judgement, of that the court would notify you.

i very much suspect that lowells or one of their trading names were not the original DCA claimant.

i will further guess that hoist uk or robinson way were. lowells have recently bought out hoist uk 

remember any names?

and have you continued to pay the £1 to the same original details/DCA or changed it as they passed you around (like a nice compliant dca cash cow) 

dx

 

[Duvdeda]

I have been paying the same original dca who went to CC. Original dca was Britanica. After this it went to at least 3 different outfits before going to hoist. 

Edited July 31, 2023 by Duvdeda

[Andyorch]

Just keep paying your £1 as per the court judgment...if they want to change it let them make application to the court at their cost.

You have not missed any payment that's just been used to get your attention and to contact them.

Do not respond do not complete any Income and expenditure forms...ignore.

 

Andy