Backdoor Lowell CCJ - 4 merged debts sky, talk talk, Vodafone, o2

[Lulu621976]

Well the day just gets better.

 

Received a letter from lowell with other debts on...

5 separate debts but an offer of a 50% reduction...

 

.sky I've not had for almost 10 yrs,

and talk talk...I've never had talk talk.

 

Do I need to act upon these?

How can I prevent them going to ccj?

 

Thank you.

[dx100uk]

discount letters are always a clue they are trying to scam you.

when would the last payment have been made on each of the 4 debts please?

dx

 

 

 

[Lulu621976]

Hi, I'm guessing 5/6/7 years 

 

Just to add, none of these are from my current address, so I'm wondering how to act, 

 

I'm thinking they could possibly go down the backdoor ccj route,

 

read similar threads and the general consensus is to write to them and tell them my change of address (even though they know it for the discount letter)

[dx100uk]

that you must do to any debt you last used/paid within the last say 7 yrs if you've moved...always protect against backdoor CCJ's.

 

the discount letter is just another way to see if you respond, if you don't off to court as lowell often do with a backdoor CCJ for all the debts merged into one claim.

 

now if the fact that lowell (now) already know your correct address due to a running set aside is something i would not rely upon for the sake of a stamp.

 

it would be useful if you could ascertain if last payment was more than 6yrs as you could send our SB letter and kill 2 birds with one stone.

 

are any of these showing upon your credit file (use all 3 free providers not just one ).

 

dx

 

 

 

[Lulu621976]

Ooo didn't think to check my credit file. I'll look now.. thanks dx 

 3 out of the 5 are on my credit file. 

All from 2017

[Badtimes123]

Hi Lulu,

 

Update your address with lowell by post, do this right away.

 

Have you made payments to any of these accounts in the last 6 years?

 

[Lulu621976]

Hi badtimes, thanks. they are all from 2017, last payment 2017

[Badtimes123]

Ok makes sense that lowells are acting now then, before they become statute barred.

 

Let's get the address updated - have you posted the letter yet? hehe

 

Just a few more questions for now:

Are all of these debts in England? as in, you lived in England when taking them out and still live in England?

Are lowels showing on your Credit file as the owners of the debt?

 

As the letter contained an offer, it's unlikely to be a Letter of Claim, but just to be sure, please describe the wording in the letter

Edited May 31, 2022 by Badtimes123

[Lulu621976]

Hi, no I've not sent the letter yet yes all debt in england...sky, talk talk, Vodafone...on my credit file sky is not there and only one vodafone, but lowell hold the others . . I'll upload the letter , thanks  lowell 50%.pdf

[Badtimes123]

Ok great, for the accounts not showing on Credit File, these are more than likely statute barred and lowell know this almost certainly.

 

So, as per dx's comment, backdoor CCJ's could be a risk, hence the urgency to update your address.

 

Other than the above, there's nothing to worry about here, send the letter and await their next move.

 

When they reply, come back here for next steps.

 

In the meantime, get to reading similar threads, you'll pick up how this is going to go

 

BT

Edited May 31, 2022 by Badtimes123

[dx100uk]

cant be sb'd if taken out in 2017,?

but why are they not showing,

smacks of dn being registered more than 6yrs ago, which would poss mean SB'd.

..or all your old addresses are not showing in linked addresses?

or they were never registered anyway. still doesn't mean = SB mind.

of the debts that show what are the defaulted dates?

paying and marking the files as 'partially satisfied' means nothing, a debt gets removed from your files on the defaulted dates 6th b'day, doesn't mean its not still owed mind... regardless of paying or not or paid or not. = con letter that resets the SB date for a further 6yrs and doesn't stop them chasing the rest.

its a phishing letter. 

copy the lowell letter

staple it to a simple letter that states:

i refer to your letter dated xxx (copy attached)

please note my correct address as above.

dx

 

 

[Badtimes123]

4 hours ago, Lulu621976 said:

.sky I've not had for almost 10 yrs

Sorry dx, I just meant this one.. but didn't follow lulu's last comment properly - thanks for jumping in!

[Lulu621976]

Hi dx, I think the sky and Vodafone are not showing as they are well over 6 years. All my addressed are there and present on my credit file.The other ones are from 2017, the default dates are, may, June and December 2017.

 

Hi bedtimes, thanks for the info, I'll send the letter tomorrow, yes I've been exhausting myself on similar threads. 

 

Really appreciate both your help

[Badtimes123]

Very welcome Lulu, I figured there was an element of statute barring in there as you had eluded to part of the lowell claim being very aged, but my intention was to figure that out after the simple stuff

 

You called me bedtimes, funny because that's a great idea! I'll be back on tomorrow evening after work

 

[dx100uk]

so sb letters to those that are def 1000% SB'd

you'll find it in the debt collection section of our library.

 

dx

 

[Lulu621976]

On 31/05/2022 at 23:57, Badtimes123 said:

Very welcome Lulu, I figured there was an element of statute barring in there as you had eluded to part of the lowell claim being very aged, but my intention was to figure that out after the simple stuff

You called me bedtimes, funny because that's a great idea! I'll be back on tomorrow evening after work

Haha, clearly it was past my bedtime when I typed that

[Lulu621976]

This amount is for various individual debts, mobile phone, gas/electric/sky ...I think.

I did open a thread on this last year, but I'm unable to find it.

Is this a ccj?

As I never received a letter of claim, after my discussion on here last year I was awaiting the letter of claim before taking further action on challenging this.

Where do I go from here?

Do I contact Northants

I don't want to put my foot in it until I've got a bit of advice please.

Can anyone help?

Thanks Lucy 

judgement for claim in default.pdf

[lolerz]

That is a CCJ yes.

Did you move and not inform creditors? Looks like from your post history you've had backdoor CCJs in the past

I'm sure @dx100uk will be here soon to help.

 

[Lulu621976]

Hi, no I 100% wrote to them and advised of correct address, by recorded delivery. I did this because of the previous backdoor ccj. Thanks for responding and confirming its a ccj.

It does seem odd then that you've received the judgement but not the Letter of Claim. 

Quote

@lolerz Are you sure that it's Lowell that have obtained the judgement against you? Have you received any other correspondence from Lowell/Overdales?

I'm sure others will be able to advise in a better manner than me on this one.

 

[Andyorch]

Topic moved to Financial legal Issues Forum.....please continue to post here.

Topic title updated.

 

Andy

[brassnecked]

Phone the court and ask what address the Claimform was sent to perhaps, if it was an address previous to the one you sent notification for, might be more options.

[Andyorch]

Good advice from my Site Team Colleague if you can prove they had your new address and it was sent to a previous then that is grounds for a Set a Side or possibly the judgment claimant may set it a side at their own cost. 

 

 

.

[dx100uk]

ive merged the old thread now.

looks like you did and by recorded delivery.

why not go ring northants bulk

ask for a copy of the CCJ and a copy of the Claimform by Email PDF.

there is a small charge.

ask them on the phone for the ADDRESS the claimform was sent to and to either readout the Particulars of claim or send that by email too

RECORD YOUR CALL.

dx

 

[brassnecked]

Would not be first time Lowells have in all the excitement of the letter tennis sent out a claimform to previous address whilst knowing the person has moved.