Jump to content


  • Tweets

  • Posts

    • Thanks FTMDave, I like the cut of your jib - I'll go with that and obtain proof of postage. Encouraging that NPE have never followed through and seem to blowing hot air, let's see where they go after this   Regards
    • Please see my comments in orange within your post.
    • no i meant the email from parcel2go which email address did they send it from and who signed it off (whos name is at the bottom)
    • I understand confusion with this thread.  I tried to keep threads separate because there have been so many angles.    But a team member merged them all.  This is why it's hard to keep track. This forum exists to help little people fight injustice - however big or small.  Im here to try get a decent resolution. Not to give in to the ' big boys'. My "matter' became complicated 'matters' simply because a lender refused to sell a property. What can I say?  I'll try in a nutshell to give an overview: There's a long lease property. I originally bought it short lease with a s.146 on it from original freeholder.  I had no concerns. So lender should have been able to sell a well-maintained lovely long lease property.  The property was great. The issue is not the property.  Economy, sdlt increases, elections, brexit, covid, interest hikes etc didn't help.  The issue is simple - the lender wanted to keep it.   House or Flat? Before repo I offered to clear my loan.  I was a bit short and lender refused.  They said (recorded) they thought the property was worth much more and they were happy to keep accruing interest (in their benefit) until it reached a point where they felt they could repo and still easily quickly sell to get their £s back.  This was a mistake.  The market was (and is) tough.   2y later the lender ceo bid the same sum to buy the property for himself. He'd rejected higher offers in the intervening period whilst accruing interest. Lenders have a legal obligation to sell the property for the best price they can get. If they feel the offer is low they won't sell it, because it's likely the borrower will say the same. I had the property under offer to a fantastic niche buyer but lender rushed to repo and buyer got spooked and walked.  It had taken a long time to find such a lucrative buyer.  A sale which would have resulted in £s and another asset for me. Post repo lender had 1 offer immediately.  But dragged out the process for >1y - allegedly trying to get other offers. But disclosure shows there was only one valid buyer. Again, points as above. Lender appointed receiver (after 4 months) - simply to try acquire the freehold.  He used his powers as receiver to use me, as leaseholder, to serve notice on freeholders.  Legally that failed. Meanwhile lender failed to secure property - and squatters got in (3 times).  And they failed to maintain it.  So freeholders served a dilapidations notice (external) - on me as leaseholder (cc-ed to lender).   (That's how it works legally) Why serve a delapidations notice? If it's in the terms of the lease to maintain the property to a good standard, then serve an S146 notice instead as it's a clear breach of the lease. I don't own the freehold.  But I am a trustee and have to do right by the freeholders.  This is where matters got/ get complicated.  And probably lose most caggers.   Lawyers got involved for the freeholders to firstly void the receiver enfranchisement notice. Secondly, to serve the dilapidations notice.  The lack of maintenance was in breach of lease and had to be served to protect fh asset. Enfranchisement isn't something that can be "voided", it's in the Leasehold Reform Act 1967 that leaseholders have the right to buy the freehold of the property. It's normal, whether it is a "normal" leaseholder or a repossession with a leasehold house, to claim this right of enfranchisement and sell the property with said rights attached and the purchase price of the freehold included in the final completion price. That's likely what the mortgage provider wished to do. The lender did no repairs. They said a buyer would undertake them. Which was probably correct. If they had sold. After 1y lender finally agreed to sell to the 1st offeror and contracts went with lawyers.  Within 1 month lender reneged.  Lender tried to suggest buyer walked. Evidence shows he/ his lawyers continued trying to exchange (cash) for 4 months.  Evidence shows lender and receiver strategy had been to renege and for ceo to take control.   I still think that's their plan. Redact and scan said evidence up for others to look at? Lender then stupidly chose to pretty much bulldoze the property.  Other stuff was going on in the background. After repo I was in touch by phone and email and lender knew post got to me.   Despite this, after about 10 months (before and then during covid), they deliberately sent SDs and eventually a B petition to an incorrect address and an obscure small court.  They never served me properly.  (In hindsight I understand they hoped to get a backdoor B - so they could keep the property that way.)  Eventually the random court told them to email me by way of service.  At this point their ruse to make me B failed.  I got a lawyer (friend paid). The B petition was struck out. They’d failed to include the property as an asset. They were in breach of insolvency rules. So this is dealt with then. Simultaneously the receiver again appointed lawyers to act on my behalf as leaseholder. This time to serve notice on the freeholders for a lease extension.  He had hoped to try and vary the strict lease. Evidence shows the already long length of lease wasn't an issue.  The lender obviously hoped to get round their lack of permission to do works (which they were already doing) by hoping to remove the strict clauses that prevent leaseholder doing alterations.  You wouldn't vary a lease through a lease extension. You'd need a Deed of Variation for that. This may be done at the same time but the lease has already been extended once and that's all they have a right to. The extension created a new legal angle for me to deal with.  I had to act as trustee for freeholders against me as leaseholder/ the receiver.  Inconsistencies and incompetence by receiver lawyers dragged this out 3y.  It still isn't properly resolved. The lease has already been extended once so they have no right to another extension. It seems pretty easy to just get the lawyer to say no and stick by those terms as the law is on your side there. Meanwhile - going back to the the works the lender undertook. The works were consciously in breach of lease.  The lender hadn't remedied the breaches listed in the dilapidations notice.  They destroyed the property.  The trustees compiled all evidence.  The freeholders lawyers then served a forfeiture notice. This notice started a different legal battle. I was acting for the freeholders against what the lender had done on my behalf as leaseholder.  This legal battle took 3y to resolve. Again, order them to revert it as they didn't have permission to do the works, or else serve an S146 notice for breach of the lease. The simple exit would have been for lender to sell. A simple agreement to remedy the breaches and recompense the freeholders in compensation - and there's have been clean title to sell.  That option was proposed to them.   This happened by way of mediation for all parties 2y ago.  A resolution option was put forward and in principle agreed.  But immediately after the lender lawyers failed to engage.  A hard lesson to learn - mediation cannot be referred to in court. It's considered w/o prejudice. The steps they took have made no difference to their ability to sell the property.  Almost 3y since they finished works they still haven't sold. ** ** I followed up some leads myself.  A qualified cash buyer offered me a substantial sum.  The lender and receiver both refused it.   I found another offer in disclosure.  6 months later someone had apparently offered a substantial sum via an agent.  The receiver again rejected it.  The problem of course was that the agent had inflated the market price to get the business. But no-one was or is ever going to offer their list price.  Yet the receiver wanted/wants to hold out for the list price.  Which means 1y later not only has it not sold - disclosure shows few viewings and zero interest.  It's transparently over-priced.  And tarnished. For those asking why I don't give up - I couldn't/ can't.  Firstly I have fiduciary duties as a trustee. Secondly, legal advice indicates I (as leaseholder) could succeed with a large compensation claim v the lender.  Also - I started a claim v my old lawyer and the firm immediately reimbursed some £s. That was encouraging.  And a sign to continue.  So I'm going for compensation.  I had finance in place (via friend) to do a deal and take the property back off the lender - and that lawyer messed up bad.   He should have done a deal.  Instead further years have been wasted.   Maybe I only get back my lost savings - but that will be a result.   If I can add some kind of complaint/ claim v the receiver's conscious impropriety I will do so.   I have been left with nothing - so fighting for something is worth it. The lender wants to talk re a form of settlement.  Similar to my proposal 2y ago.  I have a pretty clear idea of what that means to me.  This is exactly why I do not give up.  And why I continue to ask for snippets of advice/ pointers on cag.  
    • It was all my own work based on my previous emails to P2G which Bank has seen.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Can the Water Board disconnect a family's water supply?


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4653 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi all, I posted a question on another thread but got my knuckles wrapped so starting my own thread as i was instructed to do.

 

I have an urgent question and hoped someone can help.

 

I am in arrears with my local water board. Long story but here is the honest short version...

 

we rent a run down old farmhouse from a farmer, thru an agency. We have been here a fair while but didn't receive any water bills and honestly didn't even think of it until the water board van turned up one day and looked surprised that someone is living here. We couldn't believe that we had never thought of it before and feared the bill. We are soon to go bankrupt (forms filled in ready, saving up the money now £700 to do it?!) and have NO money whatsoever. We are struggling to eat. We receive benefits for our children and have 3 youngsters and my wife is pregnant, unplanned and preventative measures used but failed despite 0.07% chance, just our luck :sad:

 

Anyways... it turns out the farmer told us there is a water leak on the farm and the bill has been shoved on our account for some reason, water board trying to find someone to pay i suppose. Problem is...... we got their bill (which they guessed i think) and it is over TWO GRAND. two hundred would have been a struggle but 2 grand is enough to say sod it, let's go bankrupt because we have no way of paying that and with credit card debts going back ten years which we can't pay we have no choice now although water is the only one giving us serious grief.

 

When i got the bill i wrote to the water company telling them we have children and wife is pregnant, and that we are very poor and can't pay that bill immediately. Asked to come to an arrangment which we were negotiating but TODAY - received a letter from them saying "pay the bill or we will cut your water supply off in seven days".

 

Forgive me if i am mistaken, but i thought they could not cut water supply off, especially if children involved. Am i right? What is the best approach to take here?

 

Grateful for any advice. thanks

 

P.S. the address they sent it to is not my exact address, first line is wrong if that makes any difference. The wording used is "in accordance with the Water Industry Act 1991 (Section 61) we will disconnect the water supply for the above premises unless full payment is made by return".

The financial system is collapsing, time to raise a glass to the end of the biggest pyramid scheme in history - The Debt Industry :whoo:

Link to post
Share on other sites

are you being written to as a residential customer, or a business customer?

If you are residential customer then they cannot cut off your bill. However, it may be that they treat you as a business customer and if that is the case you will need to take rapid steps to show them that you are a private customer.

 

I have a contact who works for a water company and who will be having a look at this thread tomorrow evening or Monday morning and will be able to give much better advice.

In the meantime check the bill and see if you can see what they consider your status is. Start assembling evidence such as tenancy agreements etc to show that you are residential customer.

I'm particularly concerned that you say that the bill for the farm has somehow been lumped onto your own bill. You better make some time to deal with this from Monday onwards. I'm not sure what will eventually be advised, that you may need to contact a solicitor, swear an affidavit and get the solicitor to fax it to the water authority.

Can you let us know which water company you are dealing with.

Link to post
Share on other sites

Hi, thanks for replying. If you don't mind I would prefer not to say which company it is on a public forum in case it prejudices my case as this may go further now. I have written to them around 3 times before, each time recorded delivery. Can't actually find the proof now but I am sure I will if i need it, its in the drawers here somewhere.

 

they wrote to me in April. I made a complaint about the way they talked to me in a letter, i just commented on it in a reply and they sent me complaints procedure which I didn't ask for but made use of anyway. The response to that complaint was a letter which was quite nice (different dept) and said: "We currently have your property as a non-domestic property. If you property is now purely a domestic supply the please let us know and supply proof such as a copy of your council tax bill."

 

I DID EXACTLY THAT. I replied with council tax bill showing private dwelling, and I confirmed in my letter that we are a family only living here, it has NEVER been a commercial premises and that it is a rented farmhouse. I also filled out their VAT questionnaire to confirm same, and included a copy of one of our estate agents letters.

 

I heard nothing back, until getting this threat to cut us off today.

The financial system is collapsing, time to raise a glass to the end of the biggest pyramid scheme in history - The Debt Industry :whoo:

Link to post
Share on other sites

i am writing to them now to remind them that i complied with their request to supply evidence of it being a private dwelling and i have also told them I deem their threats to be vexatious and deliberately threatening, also that they are threatening to carry out an unlawful act which is causing my already ill wife undue stress. I hope they get the message, but if not I am at a loss as to where to go next and thats assuming they don't cut us off. If they do that I really will be lost!

The financial system is collapsing, time to raise a glass to the end of the biggest pyramid scheme in history - The Debt Industry :whoo:

Link to post
Share on other sites

firstly, I should stop keeping important documents in the bottom of some drawer somewhere. This is a serious matter for you and your family and if you want to take control of it then you better sort your paperwork out and get it all in one place and in order so you can refer to it quickly. It will also help you understand what is missing.

Go to the Consumer Council for Water – http://ccwater.custhelp.com/app/answers/detail/a_id/417/related/1/session/L2F2LzEvc2lkL01aQlB3aUFr and read up on how to make a complaint and start making a complaint through them. Do it this weekend. Start reading up now. I don't know how it works, but if they allow you to make the complaint online then make it immediately so they have it there on Monday.

I see that they make a telephone number available so first thing on Monday, phone them and start making your complaint over the telephone and tell them how urgent it is and asked them for their immediate direct intervention.

Keep it polite even if it sounds to use if they can't be bothered. You will have to be persistent – but stay polite.

As you make your complaint – even online, take screenshots so that you have copies of everything. Don't leave them in the bottom some draw. On Monday morning send a letter to the water authority and point out that you have now begun a complaint to the consumer Council for water. If you have a complaint reference number then pass it to them. Try to contact the water company by telephone and tell them that you have made a complaint to the Consumer Council for Water.

 

Don't leave anything to chance. Don't rely on verbal undertakings given over the telephone. You need everything confirmed in writing. When you speak to people get their names. Make notes are very conversation – time date who it was etc.

 

What is actually happening here? Do we understand that you are being billed for the water that is being used by the farm? With this mean that the farmer is not paying any of his water bills?

It's all a bit of a puzzle and a bit suspicious.

Anyway sort this crisis out to begin with and then once things have calmed down can start trying to do an investigation as to quite what has happened.

Link to post
Share on other sites

by the way, I don't see in what possible way it could harm you to tell us which company it is. It can only help. These people are like vampires and they hate anything coming out into the open. You should let us know what the company is. It will make it easier to help you.

Or are you trying to protect them

Link to post
Share on other sites

Hi, I am just a private person and don't like my personal life being known about. You say you have a friend who works for a water board, if that was mine then with the specifics of the case it would be possible for your friend to trace the case very easily. i have nothing to hide, but i do think things like that can prejudice a case and either way I prefer to write to these people direct and not have them pick things up from elsewhere. Having said that, its a small risk and since you want to know i can tell you its Anglian Water.

 

It certainly is suspicious. Their original letter even said that the amount of water used monthly looks nothing like a private dwelling so even they suggested it can't be my fault or my usage! That was the letter when they asked for proof that I am a private customer, which i did and nothing heard since except this threat.

 

I will follow all your excellent advice and lodge a complaint online tonight. Thanks very much, will keep you posted. Something is very amiss here but keeping the water on for now is the most important thing.

The financial system is collapsing, time to raise a glass to the end of the biggest pyramid scheme in history - The Debt Industry :whoo:

Link to post
Share on other sites

... its Anglian Water.

 

It certainly is suspicious. Their original letter even said that the amount of water used monthly looks nothing like a private dwelling so even they suggested it can't be my fault or my usage! That was the letter when they asked for proof that I am a private customer, which i did and nothing heard since except this threat.

 

 

I'm afraid that you have misunderstood what they are trying to say by making this statement in a letter to you.

They aren't trying to agree with you that "yes it looks like there's a mistake because certainly it's an awful lot of water which is being used just for you…"

 

What they're saying is more like "well you may say that you're a private individual but you're using enough water for an entire farm so that the evidence is that you are trying to pull a fast one on us…"

 

Thank you for letting us know that it is Anglian Water. Believe me, the truth can't hurt. You never know, maybe someone from Anglian will see this thread and suddenly realise that something is going badly wrong in their procedure and decide to have a personal look.

Link to post
Share on other sites

Thanks. I see what they were saying, but they asked for a specific list of items to provide evidence that it is a private dwelling. I FULLY complied by providing the evidence they asked for, so their claim can surely no longer be continued otherwise why ask for the evidence?!

I will get cracking on this tomorrow and ring them (recorded)

The financial system is collapsing, time to raise a glass to the end of the biggest pyramid scheme in history - The Debt Industry :whoo:

Link to post
Share on other sites

from my water company contact

 

I'm afraid the complainants haven't really provided enough information about their circumstances to be absolute, but it sound to me as though the property is actually a farm supplied through a single metered supply. When the complainants took on the tenancy this should have been addressed so that the metered use could be allocated part to the farmer (for whatever “farm” remained - and this would include loss through leakage to field troughs, barns or similar) and part to the residential use in the farmhouse.

 

This is not an uncommon situation and I would guess that the water company is assuming that the occupier of the farmhouse is by default the farmer and is therefore liable for all use through the metered supply.

 

The company has absolutely no right to disconnect the supply. It may well be a commercial supply on their records but they cannot disconnect a commercial supply if by doing so they would also deprive a residential consumer of water. Ofwat would take a very dim view of this.

 

The complainant should contact the water company and explain the situation clearly and also explain that they are prepared to pay for their use of services provided that the bill is for use at the farmhouse only. The water company can then assess a bill based on typical family use, rateable value (if there is one), or simply by negotiated agreement. They should then check their records and establish how they came to transfer liability for the whole farm to the occupier of just one part of it.

 

I would also suggest that the complainant has a look at the tenancy agreement to see if any mention was made of payment for water services, whether the tenancy was inclusive or exclusive, and so on. Surely the lessor must have thought of this before he/she actually let the premises.

 

All this of course is based on the assumption of the common supply. But it is a very common situation and usually one where the initial fault lies with the original owner - for not making appropriate arrangements when disposing of part of the property - and is then compounded by the water company in their not stepping aside from their usual procedures when they have trouble in getting payment for water used.

 

I think if I were this complainant, given the circumstances, I would telephone Ofwat first thing Monday morning to get their help in resolving matters. They are usually pretty good at this and would at the very least be able to reassure the complainant that the supply would not be disconnected.

Link to post
Share on other sites

BF, thank you very much and please thank your contact for his/her time donated in responding in detail.

 

For the record I can see why it looks how it does, but its actually not the case. This is a farmHOUSE, but the farmer has his own supply which is on a separate meter (so he told me and that would be consistent with usage and bills etc). I tell you what I think it is, they are trying to pull a fast one. They have written before to us as PRIVATE FAMILY customers, they have turned this commercial crap on in my view to threaten us into paying the massive bill, even though they know it won't be ours because I have written and told them that and they even wrote back saying it doesn't look like family usage. My address is xxxxx Farm, town, county, postcode. They wrote to us originally at this address and several times since. However this threat was addressed to SMALLHOLDING, town, county, SAME postcode. This is a different address used for the threat so i think they are playing games.

My letter will go tomorrow recorded delivery. It states in BOLD and CAPS that this is a private family dwelling and NO commercial enterprise takes place here, nor IS THERE any smallholding whatsoever in my postcode. I have also explained how you can simply put my postcode in on Royal Mail address checker, and the address they sent the threat to does not exist here!

I will try to ring OFWAT too, work allowing tomorrow. I made it clear in my letter that, having already complied with their request for evidence of it being a private dwelling and also having stated it again in this letter, I WILL seek to sue for compensation or damages if they go ahead and cut off our family's water. I damn well will too as they now have been told several times as well as evidence provided..

 

Thanks again for your help.

The financial system is collapsing, time to raise a glass to the end of the biggest pyramid scheme in history - The Debt Industry :whoo:

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...