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Suzie Surf Girl

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  1. hi can anyone give me some advice. Monument have written to me to day that they are refunding me for the payment break plan but I still have a balance with them and they are going to off set this. Just want to know if they can do this or should I get the refund direct? thank you x
  2. most water companies will give you an allowance if you have a leak once its fixed if you think you have a problem ask them to come out and do a leak test if you can't do it yourself.
  3. Hi - I had a similar problem -all meters should be replaced every 10years or so - once I had a new meter replaced my consumption went to what it should be -the average for 2 persons can be between 75 - 110cubic meters on average. I had the water company out twice they carried out a leak and flow test internal and external free of charge that showed nothing but when I had a new meter fitted my consumption went to what it should be this is free of charge and you should never have to pay for a new meter. this took a few calls to my water company and finally I insisted on speaking to a manager who organised this for me as I threatened to go to cc4 water. I am sure you have done this but have you turned off the external stop tap and checked with your neighbours that this has only turned your water off. I hope this helps.
  4. Hi I have had experience of this how old is your meter? you can ask for a new meter to be fitted at no cost to yourself
  5. well done A strongly worded letter seems to do the trick!
  6. They can't cut you off as they are not allowed to cut off domestic properties only commercial properties.
  7. Got reply to the strongly worded letter pointing out that a charging order is only a restriction if the house in joint names and debt only in mine, anyway the letter just said we will accept your offer to pay £15.00 per month which I was paying anyway before they made a fuss ! no mention of the charging order they tried to scare me with these people are so low to send letters like that knowing full well they won't go ahead with it.
  8. I would never have got the same result by speaking to them over the phone. Never again will I try to speak to a creditor over the phone
  9. OMG ! got a letter from capital one after I complained about their calls and not accepting my offer and advising them I will claim for over the limit fees and charges, the have refunded all charges and now I only owe a very small amount which I will be able to pay off in a few months a nice feeling one down 4 more to go. thanks for your advice
  10. Thanks for that I will get that letter sent today, I will update you on the progress, thank you every one for your help
  11. Hi Sorry scaner not working! but the letter says: Dear XXXXXXXXXXXX Our Clients: Hillesden securities Ltd formerly Argos card Services Client ref: xxxxxxxxxxxxxxxxxxxxxxxxx Balance outstanding XXXXXXXXX We are unable to accept your recent payment offer as it is unrealistic in comparison to the balance outstanding. It is our intention to issue a County Court Claim againt you with a view to obtaining Judgment for payment forthwith then applying for a Charging Order on your interest in the property. This is because the repayment of your debt is likely to take many years and we need to obtain some form of security. We feel this reasoning entirely valid but we can assure you that the Charging order is required a security only and there is no intention to seek an Order for Sale or use the Charging Order as a lever to force you to make payments you cannot realistically afford. If you are in a position to settle the account by making an immediate payment,please telephone us. Yours sincerely Duncan Pearce Team Leader --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- I had not even made a recent offer nor had any letters from them or phone calls to discuss anything for approx 6 months.
  12. Hi - It was a letter I will try and scan it tonight if not I will type it word for word.
  13. They just said it is their intention to issue a county court judgment for a charging order... I will continue to pay them what I have been and see what happens
  14. Hi - the card was taken out in 2002. I havn't had any other charges added to the account and I didn't have any PPI either. I have been told that they cannot do a full charging order if the property is jointly owned its only a restriction they can put on it and that if we sold the property ( which we do not intend to) then the property can be sold without paying them a penny the creditor would only be told once the property is sold, is this correct does anyone know?
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