Wrongly enforced CCJ/Severn Trent Water

[phooey fighter]

Hello to everyone.

This is my first post and I'd welcome any constructive advice.

I've looked through this forum to see if anyone else has encountered the same problem I'm experiencing. I can see that ohsobjork posted a similar message on 3 September 2007 under the heading Incorrect CCJ Severn Trent. Unfortunately I'm not sure, looking at the responses, if s/he got anywhere.

My question is this;
(1) given that STW admit they are at fault.
& (2) they are contacting the courts to have the CCJ remove
& (3) they are informing the company they sold the debt to
(Wescott) that the outstanding debt is inapplicable.
& (4) they accept they instigated proceedings, relating to my
previous address, even though they have
correspondence from me informing them that I had changed
address. And that all correspondence relating to those
proceedings was sent to my former address. Even though I
had a new account at my present address.

Can I claim compensation from them (this has already affected my applying for credit, although I did not know why until today) and if so what sort of amount can I expect to be awarded.

Kind regards

PS I was offered a £20.00 apology today and declined.

[steven4064]

You could try but I don't know how sympathetic a court would be. In the first instance it is probaly wort hgoing back to customer relations and telling them the story of how you were refused credit and the upset this caused not being able to buy little crippled Tommy his Christmas present ..... (sorry, got carried away there) - you get the idea - and see if they come up with a better offer. You can tell them you are taking advice about claiming compensation through the FSA or through the courts. THat might give them an incentive to improve their offer.

[phooey fighter]

cheers.

thanks for the prompt reply

[Nightmare4banks]

phoeey fighter,in reply to your post and in my view:

1.According to the Data Protection Act you must show not only you were distressed but the CCJ caused you a loss i.e. an offer for more expensive credit and especially if you had no option but to take it.

2.I have posted elsewhere here on this forum about a guy who sued his bank for incorrect information on his credit file and got 4,000 pounds compensation by taking the bank to court(the bank admitted it was wrong and if I remember correctly did not defend).Again because he was offered credit on much less favourable terms due to the incorrect information.

I will try and find the link and post it here again.

3.I would do as steven4064 has suggested and see how you get on.

Anyway,I hope you find this information useful.

If you have any questions,just ask.

Keep us posted.

All the best!

[Nightmare4banks]

As mentioned in my previous post within this thread,here is the link to the case:

I won £4,000 from my bank | This is Money

You should also look in the Legalities section of this forum under the link "Data Protection and Default Issues" as there are plenty of posts with useful information.

Anyway,good luck!

[phooey fighter]

Thanks for the help.