1) you could do nothing and hope it becomes statute barred before they start a court case. It’s just making me feel so ill. Offering £1 a month repayment plan may be enough to stop a creditor going for a CCJ. 622605 Registered office: Darwin House, 7 Savannah Way, Leeds Valley Park West, Leeds, LS10 1AB. Thank you. I suggest you talk to National Debtline on 0808 808 4000 about your options. Is this debt statute barred as I have had no communication for one 10 years? I also think you should ask for a lower settlement you can afford. hi sara, that doesn’t sound like a bluff, you need to find out what it is about and what you can do urgently or you will have bailiffs turning up. They have begun sending letters asking me to resubmit my income/expenditure…can they do anything if I do not give them this information and continue with my currentt payments. So the last loan you paid less than the amount you borrowed. So please check out these reviews and see for yourself! So, let’s find out more about Lowell and how they work. This is not a bluff. Have you had a Claim Form from Lowell or a Letter before Claim/Action (see https://debtcamel.co.uk/letter-before-claim-ccj/ for what one of those looks like.) It is essential not to take these letters personally. If you receive a CCJ on your credit file, it has a very negative effect on your credit rating and your ability to gain credit in the future; If your debt with Lowell Financial is over £5000, they can issue a statutory demand. Lowell often issue County Court Judgements or CCJ's for short. (meaning that I would never receive the letter and thus automatically get issued with a CCJ for not appearing to contest …….. as I would have no way of knowing if they take me to court???). But I suggest you should go to your local Citizens Advice about this. I know I don’t owe this account to them. Hi, We think that maybe there was a balance transfer from Goldfish to Barclays but otherwise have nothing to link the two. However, it’s worth talking to the DCA now and trying to deal to avoid court, because then court costs would be added on. When you first contact us, you will notice that all of our employees have significant experience in dealing with creditors such as Lowell Financial. Loan Amount It would wreck your credit record for 6 years, but do you care? But if you supply an income & expenditure form and a monthly offer which looks reasonable, they won’t normally bother. Capital One credit card sold my debt(£1400) to Arrow Global Limited. I do suggest you let them know your situation in detail and get someone to make the call for you if that’s easier. I’ll have a read of that and also speak to BW. 08647091 Lowell Solicitors Limited is part of the Lowell Group and is authorised and regulated by the Solicitors Regulation Authority. Unless the debt is already statute barred (there was a default notice issued more than 5 years ago or more than 6 years ago, whichever is relevant) you are in a difficult situation. The debt is a credit card from Capital One that was in a repayment plan until 2011 when i had a crisis and stopped paying. Interest & Charges Paid These are all common tactics which Lowell group use to get in touch with the people who owe them money. Lowell Financial cannot pretend that they have powers which they do not possess. If you send the Likely Loan case to the Ombudsman you may well win if you topped it up twice! Hi Violet, it sounds to me as though you need some advice on your original complaint as well as the charges that are being added and how you should respond. I purchased some bathroom furniture and paid by credit card. I have been frequenting forums reading other cases trying to find relevant information since receiving the CCJ. That is rather a lot of questions to cover in a reply to a comment! Did your friend realise she had been taken to court for a CCJ? In the first half of 2019, there were 586,765 CCJs and more than half were for less than £650. Steve. On 7th December 2016 you spoke with the Collections Director at CRS, there were four telephone calls with the Collections Director on this date. Their company number is 06527689. Offering £1 a month is a good idea though. Single repayment loan See https://debtcamel.co.uk/court-claim-form/ for more about responding to a Claim Form. “Threatened with a CCJ” – so you haven’t yet received a Claim Form from the court? 2+2 in this case does not equal 4 , and tell them to …. Total Payments They can contact you as many times as they want as long as this is ‘reasonable’. 622605 Registered office: Darwin House, 7 Savannah Way, Leeds Valley Park West, Leeds, LS10 1AB. 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