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Moon phases


HELP please single mother, unaware of debt under my name from husband ccj now

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HELP please single mother, unaware of debt under my name from husband ccj now

Post by Ro2BsXander on Mon Sep 24, 2018 2:48 pm

Hi im new to all this but my husband recently left me so im trying to sort life out, hes always dealt with the money side of things, bills, car insurance, living ect.
I got some post today and its a letter from Lowell solicitors saying ive failed to make any payments required under the terms off a CCJ and i have arrears of £848.
I wasnt aware of any ccjs so i done a credit file check and it appears i have two CCJS against me. One from 3 years ago and the other 2 and a half years ago. No payments have ever been paid according to the credit file.
Lowells are threatening enforcement and im really panicking! I dont know what to do! I have 3 young children and work as a Teaching assistant, i only receive £800 a month wages and my rent is £700 hes left me right in the dump im scared of bailiffs coming to my door. What can i do?
Hope someone can help
Thanks in advance
Bel

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Re: HELP please single mother, unaware of debt under my name from husband ccj now

Post by daveiron on Mon Sep 24, 2018 3:35 pm

Hi & welcome.

Were these accounts in joint names ?

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Re: HELP please single mother, unaware of debt under my name from husband ccj now

Post by Ro2BsXander on Mon Sep 24, 2018 3:38 pm

Hi, thank you, im so glad someone has replied ive been refreshing this since i posted. Im so worried.
No they were just in my name

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Re: HELP please single mother, unaware of debt under my name from husband ccj now

Post by daveiron on Mon Sep 24, 2018 3:47 pm

Ok, a few questions ( dont give any details which could identify you)

What were these accounts for / credit cards ,loans ,finance etc.

Bailiffs cannot force entry for this, should a stranger come to your door either ignore them or talk to them through the door ,on no account open the door to a bailiff .

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Re: HELP please single mother, unaware of debt under my name from husband ccj now

Post by Ro2BsXander on Mon Sep 24, 2018 3:58 pm

Right 1 of them is orange im guessing a contract phone but thats really strange as i still have contract phone with EE.
The other is for littlewoods i think. debts are for £848 and £1345 it seems both are being handled by lowell. On the letter i have received today it is from lowell solicitors and it says that theyre client is lowell portfolio. Didnt know if that was of any significance to you as reading throught some of the posts it seems lowell are quite shady.

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Re: HELP please single mother, unaware of debt under my name from husband ccj now

Post by handle on Mon Sep 24, 2018 4:11 pm

Reply to all that you never appled or entered an agreement with them. Id theft.

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Re: HELP please single mother, unaware of debt under my name from husband ccj now

Post by daveiron on Mon Sep 24, 2018 4:14 pm

Sorry for all the questions ,just need to get the facts sorted.

Were you aware of these accounts? was it you who signed the applications for these.
Is there a reason why you were unaware ,there must have been a lot of mail concerning them over the years.ie was your husband intercepting the mail.

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Re: HELP please single mother, unaware of debt under my name from husband ccj now

Post by Ro2BsXander on Mon Sep 24, 2018 5:09 pm

Hes literally only left a month ago so im now sorting things out, ive never dealt with anything money wise in my life so its all a big shock, with regards to paying bills and getting by ect i just spent the money and he dealt with it, life is alot harder now!
He used to work from home so would deal with the mail also, my guess is hes been ignoring things, i know he had lots of debts from when he was younger but just ignored it and over time it disappeared and he was building his credit rating back up by paying off new credit cards ect. At a guess id say he might have been trying to do similar with the debts in my name.
I was aware of the littlewoods account but assumed it was paid off like the very account we had.
For the orange account im abit unsure on that 1 as we both had ee contracts for the last few years, both in my name i might add but he has said he will give me the money each month for his.

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Re: HELP please single mother, unaware of debt under my name from husband ccj now

Post by daveiron on Mon Sep 24, 2018 5:58 pm

So its possible that he could have forged your signature on the applications,as Handle said ID theft.

If he still has a phone contract in your name ,cancel it immediately ,he has clearly taken advantage of you and dropped you in it, and will do it again. Promises will mean nothing . The main problem is the ccjs and the length of time you have had them.stick around and see what suggestions come.

Have you looked at what benefits you are entitled to?

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Re: HELP please single mother, unaware of debt under my name from husband ccj now

Post by Ro2BsXander on Mon Sep 24, 2018 6:13 pm

Would me going down the route of id theft cause a problem? I wouldnt want to get him in trouble, we are on good terms and he is my kids father and has had them every weekend since leaving.
I was going to cancel the contract phone as his rating is good now so he should be able to get his own.
Yes ive done some online calculators but again that proved difficult as it asked things about money that i had no idea about but ill get there, ive spoken to the local council and think they will help with my rent.
My main worry was these CCJs id like them gone but not sure the best route or what to do.....
Thank you for your help so far, its rested my mind a little

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Re: HELP please single mother, unaware of debt under my name from husband ccj now

Post by daveiron on Mon Sep 24, 2018 6:46 pm

It would cause problems for him if you stated it may have been him.

I would contact him straight away and confront him about this situation , and ask him what he proposes to do.
If he denies all knowledge then you report it as ID thieft .

I dont wish to appear harsh ,but you need to be realistic .He has put you and your kids in this situation ,you say his credit is good now. Well yours is not and that maybe down to him. Ok he may see his kids every weekend (which he should)
so ask him how he expects you to support yourself and the children on £ 100 pm.
Sorry if I rant ,30 years ago something liked this happened to me.


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Re: HELP please single mother, unaware of debt under my name from husband ccj now

Post by Ausk on Tue Oct 02, 2018 9:21 am

@Ro2BsXander wrote:Would me going down the route of id theft cause a problem? I wouldnt want to get him in trouble, we are on good terms and he is my kids father and has had them every weekend since leaving.
I was going to cancel the contract phone as his rating is good now so he should be able to get his own.
Yes ive done some online calculators but again that proved difficult as it asked things about money that i had no idea about but ill get there, ive spoken to the local council and think they will help with my rent.
My main worry was these CCJs id like them gone but not sure the best route or what to do.....
Thank you for your help so far, its rested my mind a little

As much as its smart to remain on good terms to keep communcation channels open, in your kids interests, you need to push him for a more understanding approach to your problem.

Perhaps you might like to consider developing a case for justifying why the legal system should also show some leniency in their findings.

If it were me I would take the initiative and go talk their staff and glean whatever info you can about what will happen, what the court processes are and what you can do to put your case for leniency to them.

Starting with a complete list of assets and liabilities (income you get and payments you make) would give you some leverage as it would show them that you are engaging with them and trying to reach an agreement.

In your assets and liabilities make sure you list each and every outgoing associated with your accommodation expenses, energy and services, food, shelter and transport and costs associated with your own personal care and then costs associated with your kids.

Income from the father is a tough one because it cannot be considered to be reliable, it would period by period preposition. On the other hand you could list it but let them know each and every time it stops.

In the mean time create a list of all the organizations in your area who may be able to give you help and assistance and go see them or talk to them via phone or email. Information in the form of knowledge can be very valuable.

I like to do things via email or phone message because I suffer from a.g.e. and because its in writing and easy to refer back to later.

besta luck

Hope things work out well for your both.

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Re: HELP please single mother, unaware of debt under my name from husband ccj now

Post by assassin on Wed Oct 03, 2018 1:54 am

Personally I think your husband does not care a jot as he has put you in this situation and nobody else, if he has forged signatures it is fraud and nothing else, report him immediately.

I would suggest not cancelling the phone contract for a couple of reasons:

It is being paid from somewhere and this is traceable.
It is being paid through a bank or other account which is traceable.

If he has moved out he will have changed his address on these accounts and all you need to prove is that he is paying for them and if you let him pay the bills from an account such as a joint account which is now closed or turned back to your name and he is paying from another account it proves he is liable through his actions which reinforces your case and proves he was responsible.
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