Hi everyone.
I recieved an N1 ccj claim form from Lowell/BW legal for a debt that I had with British Credit Trust that I took out in October 2008 which I defaulted on in August 2009 with no further contact or payment. I have checked my credit report and the British Credit Trust account is still on their and showing it as VT in December 2012. I can't see anything on their showing the debt is with Lowell. Why would this be? Would they have any claim on this if not reported?
Anyway I have sent a CCA request to them today to help me with my defence case as I have extended the 14 day period. Is their anything else I could use in my defence case as I really don't want a CCJ after working so hard to repair my credit history!
Thanks in advance
Phill
I recieved an N1 ccj claim form from Lowell/BW legal for a debt that I had with British Credit Trust that I took out in October 2008 which I defaulted on in August 2009 with no further contact or payment. I have checked my credit report and the British Credit Trust account is still on their and showing it as VT in December 2012. I can't see anything on their showing the debt is with Lowell. Why would this be? Would they have any claim on this if not reported?
Anyway I have sent a CCA request to them today to help me with my defence case as I have extended the 14 day period. Is their anything else I could use in my defence case as I really don't want a CCJ after working so hard to repair my credit history!
Thanks in advance
Phill
ccj Lowell/Bw legal
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