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CCJ hell

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  • CCJ hell

    I'm sorry if I sound really stupid - I'm not, but I just went into crazed panic mode. This is rather a long story so I'll try to make it brief. I defaulted on a catalogue account in 2012. I did try to come to an agreement with them but they were demanding huge repayments. I heard nothing until September 2015 when Lowell Financial contacted me. Unfortunately the letter had been opened and I could not make out the reference number. I did try to contact Lowell who would not discuss the matter without the reference.
    I heard nothing until June 2016 when I was contacted by Lucas who are apparently part of Lowell. I offered them 30 per month which they did not officially accept but neither did they decline it. I continued to pay this until December last year when my payment was late. I did email to advise them of this (it was only a week or so late). The next thing I get in February this year is a claims form! Stupid me sent off an acceptance online but did state that I didn't think the claim was valid because I had been making payments and did not receive the Letter Before Action. I was just really scared of bailiffs etc coming round to my house. Anyway, after I had sent off the acknowledgment of service I realised that I could defend this after all (though I do not dispute that I owe the money). I asked the claimant and their solicitors for a CPR request. They did not comply. I tried to amend my A/S online but could not so I contacted the court who told me to ring the solicitors. They said 'oh don't worry we've accepted your offer which you were paying anyway, that's the end of it'. I did not realise that this meant a CCJ!!!!!

    I am so worried. My young daughter and I will have to leave our current accommodation in June as our landlord is selling up. No letting agency is going to touch me with a CCJ so I was wondering if there is any way I can get this set aside.

    Any help would be very gratefully received. I think I got confused with the idea of 'admission' because I don't deny that I owe the money and in any event I was making payments. I just wanted to carry on doing that.
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  • #2
    Re: CCJ hell

    If you owed the money then really you have no defence - maybe apart from arguing what the total was. Having defaulted on you voluntary arrangement the have sought to consolidate their position and should you default again the chances are they will hand it on for enforcement - County Court Bailiff. Unless you can pay in full within a month of the Judgment then you will be saddled with this for the next 6 years.

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