Hi Everyone,
Firstly, thank you to everyone who has posted such informative and helpful advice on these forums - i've been a reader for some time but I am now in need of some assistance.
I have received a CCJ from "Lowell Portfolio 1 LTD", for a debt which is really old (older than 6 years).
The problem is however, that they didn't send it to me, but my parents address which is where I was living when I incurred the debt. So I didn't get the claim form within the 14 days, and the CCJ has now been registered against me.
I have sent off a CCA request to BW Legal (Lowell's solicitor), just as advised by Amethyst.
The debt is about 9 years old and I haven't made any further payments in about 8 years, so I am pretty certain it is statute barred - the debt doesn't even show on my credit file anymore.
Does anyone have advice on what I can do now? Is it worth me sending an SAR to BW Legal?
Thanks in advance for any help.
Firstly, thank you to everyone who has posted such informative and helpful advice on these forums - i've been a reader for some time but I am now in need of some assistance.
I have received a CCJ from "Lowell Portfolio 1 LTD", for a debt which is really old (older than 6 years).
The problem is however, that they didn't send it to me, but my parents address which is where I was living when I incurred the debt. So I didn't get the claim form within the 14 days, and the CCJ has now been registered against me.
I have sent off a CCA request to BW Legal (Lowell's solicitor), just as advised by Amethyst.
The debt is about 9 years old and I haven't made any further payments in about 8 years, so I am pretty certain it is statute barred - the debt doesn't even show on my credit file anymore.
Does anyone have advice on what I can do now? Is it worth me sending an SAR to BW Legal?
Thanks in advance for any help.
Lowell Portfolio 1 LTD v gratefuldefendant
1 commentaires:
Unfortunately I am unable to help you, but I am in a very similar position. If your account was 6 years or older before lovell it would be statute barred....if they then applied for and got a CCJ added to this statute barred account, then I am pretty sure it's actually illegal since the debt never existed and the court would also being the wrong for enforcing something on a dead account.
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