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A debt i am not aware of went through the CCJ without informing me..What can i do?

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  • A debt i am not aware of went through the CCJ without informing me..What can i do?


    Hi

    I have received letter from Lowell Solicitors about a debt i am not aware of. It says the original debt is from orange, but i have only had EE - now we are talking approximately 5 years back about this apparent debt. I know, that Orange merged with other companies into EE but that was in 2010... i arrived to England at the end of 2013 so i do not understand that. The other thing is, as it happened that many years ago i do not recall any unpaid bills or unfinished contract. So when i received the first letter about the debt i sent them request for a copy of the credit agreement ( misleading information from friend) however they replied this is about service agreement so they don't need to send me anything and i should seek my own legal advice. And as it is a subject of Country Court Judgment they do not need to provide anything to me and i have to pay it. Please help
    Last edited by Tatiana; 2nd July 2018, 16:31.

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    • #3
      Originally posted by Tatiana View Post

      I have received letter from Lowell Solicitors about a debt i am not aware of. It says the original debt is from orange, but i have only had EE - now we are talking approximately 5 years back about this apparent debt. I know, that Orange merged with other companies into EE but that was in 2010... i arrived to England at the end of 2013 so i do not understand that. The other thing is, as it happened that many years ago i do not recall any unpaid bills or unfinished contract. So when i received the first letter about the debt i sent them request for a copy of the credit agreement ( misleading information from friend) however they replied this is about service agreement so they don't need to send me anything and i should seek my own legal advice. And as it is a subject of Country Court Judgment they do not need to provide anything to me and i have to pay it.

      Hello Tatiana

      Do you mean you've just received a claim form or have you received a Default Judgment (CCJ) from Northampton County Court because you didn't respond to a claim form?

      Depending on you answer you may need to file a Defence (if it's a claim form you've received) or establish whether you have grounds to have it (CCJ) set aside if you didn't receive the claim because it was incorrectly served.

      If you make an Application for a set aside you would need to persuade the court that you would have good prospects of success with a Defence if you are given the opportunity.

      Was the claim form sent to an address where you were/are not living?

      When did you last make a payment towards the mobile phone account, could it be more than six years ago (you say the debt was from five years ago)?

      Di

      Legal Disclaimer

      I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. Our initial advice is always free.

      Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

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