Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
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    Default United Warehouse /Moriarty claimform - unknown utility supply bill

    Hello,

    First post so hope this is correct, I couldn't find a way to post on debt link sorry!

    I keep getting calls and now letters from Moriarty Law about a debt I owed and forgot about (which is now £528.02 - hundreds more than i remember!!) from a previous address about 4.5 years ago (I've moved a lot since that one).

    I have made no contact with them but they're now threatening me with a CCJ - which I've never had - within 14 days of this letter arriving. They're offering a payment arrangement with them to stop proceedings if I can't pay it in full (I can't, and won't start anything yet as don't owe that amount!!)

    I remember trying to dispute the original amount at the time with utility warehouse as they wouldn't let me leave them due to various reasons so I gave up trying to. Which meant I was also on a higher tariff, and there was also a small amount carried over when I moved in that wasn't mine.

    I didn't want to be with them as I heard they were bad, but they were already at the address when I moved in and as I was only there for a year I didn't think it was worth the hassle (silly mistake but I'm not good at these things!).

    When I tried to switch back to British Gas who I'd I been with for years, BG said that UW hadn't done a simple task to allow them to access the property so couldn't supply me - so I felt bullied into staying with UW, as they played dumb and made out they couldn't switch the property or something!!
    Has anyone else had this?

    So now this current letter from ML - I was going to return a copy of it to ML with a response saying if the believe the valid debt exists and I live at said address to prove debt in writing and FCA rules cannot continue any collection activity till done so. Is this right or should I do something else? I think I've added a copy of the letter I've received to this post.

    Please help as I'm a single parent trying so hard to keep my now great credit score up, and although I know I owe something a lot of my original paperwork inc. readings has gone missing so can't back anything up my end.

    I'm happy to pay something but not happy to pay extra charges and money I don't owe to a company that I don't owe the money too!!! (I also didn't have any warning letters from UW, just straight into debt agencies ages later hence me realising I'd overlooked it).

    Hope this makes sense, I wanted to attach letter but didn't know how

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  2. #2

    Default Re: Moriarty Law CCJ threat Utility warehouse bill

    If they are serious about going to court, theyd send you a PaP back which theyd ask you to fill in. If they try to go to court without sending it to you, theyd be on to a non starter. Which DCAicon are they acting for?

    Are the letters sent to your current address? The last thing you want is for them to get a backdoor CCJ which they love to do.

    Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..


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  3. #3
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    Default Re: Moriarty Law CCJ threat Utility warehouse bill

    Hi,

    Thanks for replying so quickly!

    Not sure what a PaP pack is?
    They did send a form with Annex 1 on it asking if I owed the debt, and wanting all my personal information - like outgoings, other debts etc.
    Are they not the debt collectionicon agency?

    Ive just found a letter from Fredrickson international from 2015 with the original debt of £410 which was more that expected and they're also added on court fees etc so totalled £495.21.

    yes to my current address, hence why I'm worried.
    Thanks so much for helping


  4. #4

    Default Re: Moriarty Law CCJ threat Utility warehouse bill

    PaP is pre action protocol. Its a pack of info and forms that they are legally required to send you before they file a court claim, so they can work with you, and you with them, to try and come to an arrangement before court action is taken.

    Also regarding your numbers, its not unusual at all for a DCAicon to inflate a debt with unfair charges purely to benefit themselves. That form ( annex 1) do you still have it? That could be their version of a PaP

    Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..


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  5. #5
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    Default

    These are some of the paperwork sent, I'll add the other on another post as it won't let me do more than 5...

    Forms wanting all my personal information!!!?

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  6. #6

    Default Re: Moriarty Law CCJ threat Utility warehouse bill

    Hi and Welcome to CAGicon

    I have moved your thread to debt collectionicon Agencies Forum...please continue to post here to your thread.

    Regards

    Andy

    We could do with some help from you

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  7. #7
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    Default Re: Moriarty Law CCJ threat Utility warehouse bill

    Thanks so much Andy, didn't know how lol!!!


  8. #8
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    Default Re: Moriarty Law CCJ threat Utility warehouse bill

    By the way will it still get found? As when I clicked the link it showed the oldest posts first? Thanks


  9. #9

    Default

    Can you put all those docs into one multipage PDFicon please
    Read uploadicon

    Yes thats a pap letter and you need to reply at some point that we'll help with

    Cant see how freds can add legal fees
    I will assume ML's client are UW?

    Do you remember leaving a bill?

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
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  10. #10
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    Default Re: Moriarty Law CCJ threat Utility warehouse bill

    Hi, thanks for replying.
    I'm in between clients today so don't really have time to find how to do a PDFicon file sorry, can you not see them?

    I'm worried as I have very limited time now.
    No I'm not sure what happened with Freds, and since ML are dealing with this now...ince

    I had disputes with the bill as I mentioned before due to them messing me about, and I can't find the paperwork (lots of my personal papers went missing due to an issue I don't want to discuss).

    So have nothing to refer too but yes there was an amount outstanding that they were going to sort with me, then heard nothing apart from now ML on my back...


  11. #11

    Default Re: Moriarty Law CCJ threat Utility warehouse bill

    What date did you receive the Pre Action Protocol pack ?

    We could do with some help from you

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  12. #12

    Default Re: Moriarty Law CCJ threat Utility warehouse bill

    Uw were renowned for tricking people into staying with them with high tariffs
    Then blocking a switch..

    Dont panic too much about this

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
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  13. #13
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    Default Re: Moriarty Law CCJ threat Utility warehouse bill

    17th September... I didn't see the letter until recently as it got put in with junk mail by my young son. Should I fill it in and email them? Also do I need to give them all of my personal financial stuff or is that a breach of my privacy (or whatever you call it!?) Thanks


  14. #14

    Default Re: Moriarty Law CCJ threat Utility warehouse bill

    Oops ...your well over the 30 days so little point in completing it IMHO...I would let it take it course and see if they do issue a court claim.

    https://www.consumeractiongroup.co.u....-1st-Oct-2017

    We could do with some help from you

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  15. #15

    Default Re: Moriarty Law CCJ threat Utility warehouse bill

    That 1st letter reads they have already started a court claim
    Are you sure theyve not got northants bulkicon to issue a claim to and OLD addr already??

    It reads youve not responded failed aos and they can now request judgement by default?

    Anyone else think that..scan is diff to zoom mind pic in post 1

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
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  16. #16

    Default Re: Moriarty Law CCJ threat Utility warehouse bill

    This debt is in connection to your current address ?

    Letter also states they wont enter judgment if payment is offered DX........why not enter judgment anyway instead of using it as a threat.Default Judgments are entered by default with no control by the claimant

    Check here to see if ther is a judgment

    https://www.trustonline.org.uk/

    There is a small fee.


    Andy

    We could do with some help from you

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  17. #17

    Default Re: Moriarty Law CCJ threat Utility warehouse bill

    Yes looks like they might have gained a default at an old address, do as Andyorch suggests and come back once you know the excat position to explore options.

    The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!
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  18. #18

    Default Re: Moriarty Law CCJ threat Utility warehouse bill

    Added court fees too between letters
    UW have issued a claim to your old address
    The 19 days for AOS have now gone...

    The sols moriarty dealing with the claim for them have sent the letter in post 1...

    Gotta be.
    As you say..they'll just let it get default judgement

    Think you've missed the boat here PL13..unless you ring Moriarty now and pay it in full?? You've a CCJ

    If you dont ca re about it and it wont hurt you....do NOTHING.

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
    it makes a thread twice as long to scroll through..save data download times and costs
    If you want advice please PM me a link to your thread. PM advice is not allowed!!
    DX
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  19. #19
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    Default

    Thanks so much for the replies.

    They haven't issued a ccj as far as I'm aware, just threatening to do so within 14 days of the last letter - I will pay to check on the link you aded though thanks Andy (my clear score shows nothing about the outstanding debt or ccj is that the same thing?).

    Yes I did receive a claim formicon before from 'the county courticon' Northants - I watched a YouTube video who said the court didn't exist and was bogus so didn't respond - the video is called 'northampton not a county court business centre' ..

    I've spoken to an advice place today that has told me to contact UW to get bills, charges etc so I can dispute what I don't owe. As far as the ML letter states, I've got til Wednesday to stay within the 14 days before ML issue the ccj.

    Andy the debt is from an address from 4 years ago not my current one, and I've rented 3 different places since then hence the possiblity of not getting hold of me.

    I don't want a ccj, don't think anyone does!!! I've tried so hard to get on track and as I'm self employed really don't want one, again thanks for all your help much appreciated and will keep you posted.

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  20. #20

    Default Re: Moriarty Law CCJ threat Utility warehouse bill

    " Yes I did receive a claim formicon before from 'the county courticon' Northants - I watched a YouTube video by Derbjd who said the court didn't exist and was bogus so didn't respond - the video is called 'northampton not a county courticon business centre' .. "

    Oh dear...Im afraid it is real...ther are 2 courts in Northampton....the one that issues claims is MCOL ...CCBC.

    We could do with some help from you

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