basically as the title says folks. i am with a local housing association called home housing.. currently residing in durham. this has went on for 11 days what can i do?! thanks in advance rikki

My parents live in a housing association house (over 25 years same house, London). They are an elderly couple, both pensioners, father is 80+ years old. Recently their boiler failed and it's been taking an incredibly long time to get it repaired. It failed right at the end of November, reported on the evening of November 29th, and to date it has not yet been repaired. One of the engineers i talked to (housing association is contracted with a large independent boiler/heating company who handle repairs) told me straight out the reason, he said due to the age of the boiler and the fact that it's an obsolete model, ideally a new boiler would be installed, however, the company's head office will allocate a maximum amount of money to each repair and because the engineer spent a long time trying to repair the problem and got head office to acquire a new part already (valve), they won't replace the boiler and instead they'll wait for a different part (flue) which will take weeks to get hold of. Of course, they didn't say weeks, but the flue fault was diagnosed on the 7th of December and still they're struggling to find the part even though the problem itself was reported on the 29th of November. (The engineer originally thought it was a valve fault only, having installed the valve on the 7th, he found the flue fault after). Also, initially they wouldn't give an exact date of when the flue will be in stock, just kept it vague "showing in stock", "maybe tomorrow", "supplier will get back to us" etc. Finally a lady answered the phone who was from a different department and helping out with the phones during a busy period and she called the specific departments/planners and found the date which was the 19th of December...but not guaranteed, expecting another call (although previously when they stated they'll call back with a more accurate date of when the part will be in stock, they never called back). An Important Note: The reason why the fault came about in the first place is because when the boiler was installed about 8 years ago by the same company (different engineer), it was installed BADLY (not my opinion but the new engineer said so). The flue was cut too short hence it eventually collapsed and the engineer told me this is very dangerous (and it resulted in other parts failing internally as a domino effect, valve, ignition, etc). I'm guessing it's possible that it was releasing dangerous fumes indoors, possibly for many years. Since the flue collapse though it kept overheating and cutting out so it didn't have a chance to poison anyone to death. But, the problem itself came about because the company's original engineer did a poor and very dangerous botch job with the installation. He even shoved the boiler in to accommodate the pipes, so much so the pipes got pushed (right side) out an inch off their fixings on the other side of the wall (downstairs toilet). Surely it can't be right for anybody to be made to wait this long for a repair? Especially two pensioners in this weather, some nights the outside temperature has fallen to minus. They left fan heaters, but they're no substitute to central heating especially considering the house is poorly insulated with normal glass windows as opposed to double glazing, no cavity wall insulation and loft has a thin piece of wool that was there since the 1980s, add to that they're paranoid about leaving these fan heaters on overnight as they're worried something will catch on fire or the room will overheat while they're asleep. Also, the immersion heater that has been used in the past as a backup in case the boiler stopped working died at the same time (or maybe before and no one noticed) so there was no hot water either, but the immersion heater was finally repaired on the 12th of December, however, it takes about 4 hours to heat up as the cylinder is large, whereas the boiler only takes 30 minutes, so not ideal but better than nothing. The engineers/electrician that have come out to try and repair the problems have been fantastic, sympathetic and all around great. However, the head office's decision to try and find the part of an obsolete boiler just so they can make a profit on the job seems incredibly wrong considering they knew how long it would take and how difficult it would be; they don't seem to be in a hurry. They're saying the part will be in stock on the 19th of December and an engineer will show up close to that (following day if lucky) to repair it, however, based on how many delays there have been and how they've already struggled to find the part in question AND put into that the fact that a lot of engineers will be off for Christmas, i'm not holding out hope. And i wouldn't be surprised if after the flue is repaired some other fault is found which will take several more days for the parts to arrive and that will definitely mean no boiler before Christmas (unless they have loads of engineers working through Christmas?). What if anything can be done? The problem was reported on the 29th November and the boiler is still dead and two pensioners have no central heating during an incredibly cold period. The electricity bill will no doubt be massive but the suffering, stress and the long LONG wait is what's really wrong (and the original dangerous botch job), all so that the contractor can make sure they make a profit on the call out and not a loss. Apologies for the long post. Cliffnotes: 29th November: Boiler died. Reported by phone. Two pensioners living at premises. 7th December: Boiler is obsolete hence difficult to find parts for. Head office decide to order part anyway (flue) even though engineer recommends a new boiler. Boiler failed due to initial botch job installation several years ago by same company but different engineer. Note: Current fault was caused by initial botch job boiler installation by same company whose original engineer cut the flue too short hence it collapsed. New engineer told me this is very dangerous. 19th December: Part will apparently be in stock on the 19th of December. Boiler is still very much dead.

The house I had built in Whyalla South Australia did not have a water meter installed when I took possession. I had to organise an installation with SA Water and they have sent me bill for the meter. who is responsible for this account , myself, or should it have been supplied by the builder when he built the house?

plz can someone help us we have just moved into a council housing home, and there in a problem with the sewage pipes at the rear of the property, as they keep blocking we have been in touch with the landlord who sent out a chap with drainage rods to clear the blockage but the next day it was blocked again we phoned again and was told that it belongs to anglia water and they are responsible for the sewage they have come out and said that they are not other people in the street have complained to anglia water as well as they have been told that it is anglia water responsible and they said its not these homes are council house but some have been sold off so can some one tell me who is responsible for the sewage an as this is now the 6th day this is been block are we intilled to compensation and who from. thanks

I checked my credit report recently and noticed that Anglian Water have been searching my file, 3 times over the last two months. I haven't lived in an Anglian Water area for well over 6 years, so it must be for an unpaid bill that is over 6 years old. They haven't written to me or attempted contact but I would really like to get this resolved. Can anyone give me some advice on my course of action please?

One week ago I moved in a flat which I am going to leave by January as the house is going to be sold, Today I received this letter: The Landlord is unwilling to pay this bill and says that before moving in we agreed that I would be paying all bills except council tax. What should I do in this case? Should I write Thames water that it is unlawful to disconnect the supply as the property is occupied??

My partner and I have been working hard at paying off debt to get his credit rating up so we can get a mortgage before our second child is born. All was going well, we had paid off around 7k in the last six months, cleared all outstanding debt and his rating had shot up to excellent. Then at the beginning of Nov, we got an unexpected water bill for £600. Part of the reason it was unexpected was because over the past year ourwater bills had suggested that we were in credit. Prior to this, around the time I was expecting our first child, we were going through a rough time financially, and we had run up a large bill and had reached the stage where court papers were issued by YW. We managed to raise the money to pay this off before a CCJ was issued forunately and our account was clear. Then, as mentioned, for about a year afterwards our bills seemed to suggest we were in credit. To be honest, this seemed fairly plausible as we do seem to be paying a lot for water, and we never got round to questioning it. Then in November, we got this huge bill so I phoned up to see what was going on. I was told that this was correct and the situation with the other bills was a known problem after accounts had defaulted badly and then been paid off. The girl on the other end of the phone agreed that it was misleading and it was something they were trying to resolve. She then suggested that we could set up a payment plan for the outstanding balance and the bills going forward to all be rolled into one and go out by direct debit. This sounded really reasonable so we paid £200 there and then towards the outstanding balance, and an £80 direct debit which could be adjusted subject to meter readings. Fast forward to today, and my partner has done a routine check of his credit file and found that Yorkshire Water have been entered as a new account and they have filed a year's worth of missed payments. Needless to say this has had a very detrimental effect on his credit rating, dragging it down from excellent to fair and ruining our chances of a mortgage any time soon. Is there anything we can do to resolve this? What would happen if we paid off the balance and cancelled the payment plan, going back to quarterly bills. It just seems that we've worked so hard to pay off so much debt and get in a position to buy a decent house and now because of this we are right back to square one. Any help or advice would be greatly appreciated!

Hi there hoping you can help me? We moved into our current property in Dec 11 and duly registered with the water company as new customer over the phone, they asked us basic details of names/address etc and then told us that everything was set-up and we would receive out bills in due course as they were due( monthly payments), since then however we have never received a bill or any other paperwork from them other than just advertising flyers and then today we receive A Claim form from CBCC at Northampton for £469.74. We have never received ANY paperwork from them regarding our account and admittedly we have not contacted them since as there have been a lot of personal and family problems/bereavements which caused their entire existence to completely slip our minds where they have never sent us any bills or paperwork to remind us they need paying. Where do I stand with this and what would be the best way to proceed? Thanks in advance, Saerimmner. Also apologies if this has been posted in the wrong section and if so fplease feel free to get a moderator to move it

Hi everyone I am hoping someone can give me some advice please. I have a ccj with southern water for £1200 from last year I know I should have got this sorted before it escalated to this however as I was already paying a council tax debt that took priority and I honestly wanted to clear that which as of last week i finally have done. I struggled to pay my council tax bill at the rate they requested and with the added water bill payment on top it was impossible to keep up so i missed a few payments and I stupidily put this debt on the back burner . However yesterday a HCEO called to say he was here to collect the debt which is now with charges added £2267 I did tell him that theres no way i have that kind of money and he said i would have to get it as he will be back to collect in full or remove my goods although i never let him in. I wondered if there is any way i could get southern water to take the debt back from him although they have said the debt is now with an outside agency and to deal with them. I am unable to pay the original £1200 bill in full never mind the added charges on top, I honestly don't know what to do next so any advice would be very gratefully received.

Hi, newbie here. In February I had a letter from Marstons about my SE Water debt, around £1800, come to take your stuff and all that, rung the bailiff and eventually came to an agreement to pay back £200 a month which I am now down to less than £100. Got my bill from SE Water in April for about £36. Rung water people and asked how to pay it and they said it will be passed on to Marstons and I will pay through them. Ok I thought. Got another bill through this week and now asking for £900. Rung them up to find out why it was so high and I find out that out of the £200 I have been paying to Marstons they are keeping £50 for themselves and the Water people are only getting £150 so all the money I have been paying to clear this debt is only getting part cleared and now I am having to pay twice. Oh yea and they won't talk to me about it properly until I am payed up with Marstons. Is there anyone that can help me because I feel I am getting screwed by the big boys. Thanks in advance.

Hello everyone. I have a situation and I'm really confused what to do. Me and my bf live in a rented house. Twoo weeks ago someone rings the landline and asks for someone who we've never heard of. My bf answered the phone and said that this person doesn't live here. They ask for his name as a referer and he gave it to them. Last week we receive a bill for £2700 dated 3 years back till now. That was a really nasty suprise. When we moved in we signed a tenancy agreement(it's just my name on it) that the rent we pay each month is inclusive of all utility bills. Once we received the letter, my bf called them straight away and told them that he is not responsible it's the landlord but they said they charge the consumers not the landlords and that the tenacy agreement is a private one and they don't care about it. The landlord refuses to pay this money. What do we do so that we clear the debt off my bf's name? I hope that someone helps with ideas. It will be much appreciated. Thanks!

Hi Everyone... I hope someone can help me! I have had a water bill of £573 when it is usually £25. We have had a lot of harassment from a neighbour, even been to Court and won but she just won't leave us alone! During the hose pipe ban, someone rang Veolia and accused us of washing cars in our field! We never take cars into the field and certainly wouldn't wash them in there. For one thing the field is too wet in winter to get a car in! We are trying to obtain a copy of the tape from Veolia as they won't disclose the persons name but they tape the call. Whoever turned the tap on, climbed over the field gate and turned it on while the hose was attached so that the hose dribbled for months. We rarely even go into the field and never hardly use the tap so it was not discovered for months! The result is a huge bill which I just cannot pay. What I can't understand is why didn't Veolia alert us when they read the meter the first time? Surely they must have realised there was a problem! My question is...how can I get out of paying this bill? What is the best way of getting Veolia to take pity on me? How do I stand legally? I have a threatening letter now...they are going to cut the water off....I don't use it anyway, but they will issue court proceedings. Thank you.

Hi, Been an avid viewer of the forums for some time as it gives fantastic advice... Here's the story anyway... My girlfriend has had a MCOL from yorkshire water for the whole year ( we're not on a meter ). ..because we both started on JSA and couldn't pay it for 2 months as we were waiting for the claim to go through... As we were a couple of months late.. ..( due to just trying to keep the lights on ) they went straight down the court route... Claim is for £265 Solicitors £50 Court Fee £15 Now....i've acknowledged service for her ( it's in her name only as it's her house ).... Now my next step is...i have to fill in the form before the 28 days is up offering how much to pay... Council tax arrears are only taking £3.50 a week ( as we didn't claim until we were really desperate as my work went pete tong ) out of the benefits... So my real questions are... 1) How much do i offer on the form to send to yorkshire water? 2) No way on earth can we pay the whole lot...so looks like she'll get a CCJ...( she's not bothered as she doesn't want credit ). 3) She owns her house outright.......implications.... 4) Generally any other advice you can give... I realise we're going to have to admit the claim....more of a what to do next. ( We're not into the last 14 days yet...first 14 days passing soon ) So advice appreciated...seems very harsh...to kill someones credit...for 6 years..for 2 months...when money has been none existant. Regards, Stormski PS: We haven't got a phone ( and use a friends internet )

Hi, I am private tenant living in rented flat. I had my short term lease starting Dec 2011. Since december there was no heat and hot water in the aprtment. I sent many reminder to landlord but he did seem bit intrested in fixing anything. After 2 months, in march 4th, I sent him communication regarding moving out due to these issue and his failure to address the same. He came in couple of days without any information in my absense. My family (Wife and children) were at home. Now, he emailed me that it was my fault that I didn't turned on few switches . Meanwhile, I had already given advance deposit to new place where I was plannig to shift. I went ahead with my move. He has claimed my full deposit as rent due to lease break and now filed a case for damages repair against me. What are my options here? Can I sue him for unavailability of essential utilities. Also, he topup deposit from advance rent cheque against written agreement. Written agrement stated for 1 month deposit but he topped up for 2 stating that flat was untidy.

Hi Guys, I have recently replaced the lead water supply pipe in my property as I was receiving poor water pressure. I only got 8l/s and apparently should be getting 12l/s. I applied to Portsmouth Water (my supplier) to do this and they said they will replace the water supply from the road (which I have to replace up to) to the mains supply in the middle of the road. They said they were doing this as it was also lead too, meaning I would then have a lead free supply. They sent me some paper work to fill in about how much water I use. From the calculations it said I need a 25mm supply pipe. I sent the forms off then received back an agreement with a note saying sign and return. I read the agreement which said I was agreeing to a water meter to be installed as it was a new supply. I do not agree with a water meter as I dont want one. Am I in my right as this is only a replacement supply and not a new supply? Now they are saying that I will only get a 20mm pipe unless I pay for the additional works digging the road up which they would be doing anyway. I have already replaced my supply to the edge of my property with 25mm pipe. Surely the supplier has a duty to supply my property with the connection I need? Any help is greatly appreciated. Thanks, Dan

Hi there... I'm hoping somebody can help me out on how to proceed with the following case. Two agencies have recently contacted me with outstanding balances with Anglian Water at an old address (call it Address 1). Accepting liability for this amount at Address 1, I made several payments to the first company and was then contacted by the second for a different amount at the same address. This prompted me to hold all further action and payments with both companies, and query the debt with the provider, as I've held only one account at the address. Both companies then dropped their action and referred me back to provider. Whilst awaiting information on the balance owing and date ranges etc I'd requested from Anglian, they unscrupulously referred me to a third debt collector for the first amount. Again, I requested this company hold their enforcement action on the basis that I am disputing the debt. Having today received the information I requested, it seems that Anglian have posted the payments I made to the first company to an even older (2003 - 2004) address (Address 2) with an outstanding balance, despite the initial contact being explicitly about Address 1. It's clear that the provider is trying to legitimise the much older debt with current payments collected under false pretenses, but can anybody help me on the specifics of statute barred debts? Am I correct in thinking that a debt for which the provider has seen no correspondence from the debtor for six years cannot then be collected? Does the full amount (even if much of the period is well outside the 6 year period) then become enforcable? Is there precedent by which a company can amalgamate together an account from outside the 6 year period with one which is inside it (even if, as is the case here, one account was in several names and another not) in order to be able to collect? And finally, is there a pro-forma response for refusing to pay a debt as it is outside the 6 year limitation? Thanks all.

I have received a huge bill from South East Water and an unfounded letter threatening legal proceedings. Does anyone who the best person to make a complaint to? I'd rather not write just a 'Dear Sir' letter Thanks in advance.

Hi Everybody, Just a quick question? Around 18 months I went through a divorce, my wife left and moved into rental accommodation, myself staying in the family home! I went onthe tenancy agreement for her rental accommodation but I never moved in! Ireceived a letter to my home address yesterday from Southern water. Saying thatI and wife owed £127 I never lived there. I could ask her to pay but she doesn’tcare less. She moved out In January! I think they got my address fromthe electoral roll as they said they have sent previous letters. So what shall Ido? 1. Just ignore it as they may not sure of where I liveand this letter has taken * months to get to me. 2. Phone up and say that I had never lived at the address and have never used the waterthere and back this up with the electoral roll and council tax bill? 3. Or just pay them and factor it in as a cost ofan ugly divorce I could just give them her details but she would just ignoret hem ? Any advice would be great?

Hi everyone, My Anglian Water debt is now with Scotcall after being with Moorcroft for a while. My question is do I make the offer of payment(however small) to Scotcall or direct to Anglian Water? Many thanks.

Hi All, I have an issue with STW that I would like help with if possible. After recieving a rebate of £200.00 in Oct 2009, STW changed my water meter in Nov 2009 stating that it was faulty. As I was paying by DD I never really took any notice of the charges being made until I was forced into changing the way payments were being taken due to being unemployed in 2010. On informing STW that I could no longer make monthly DD they sent my a bill for over £500. After much arguments backwards and forwards STW agreed to change the meter in March 2012, I had stopped making payments to them in June 2011 due to this dispute. I had in the meanwhile asked The Consumer Council For Water to look into the dispute for me. Unfortunately their response was to agree with STW that if the meter states that I used x amount of water then that was the amount used. Once the new meter had been fitted in March 2012 I started taking readings and managed to work out that our daily consumption is 0.34 units. I was therefore more than a little suprised by the letters I recieved from STW last week. One letter stated that the meter was faulty but had been undercharging and the second letter was a bill asking for payment from June 2011 until May 2012 an amount due of over £1200.00. After being woken up by my partner with smelling salts I started to work out what I had paid over the years to STW. I then calculated what I should have paid based on the 0.34 units used daily. I get a figure of over £1700 overcharged from 2001 to 2011. My question to my fellow Caggers is this: Would it be fair of me to ask for this money to be refunded and to add a 8% simple interest to the final figure? Also to ask STW to stop using figures based on a faulty meter to advise me of my current years bill? Thanks in advance BP

http://uk.news.yahoo.com/households-social-tariffs-230423610.html

Hey Guys, Tonight I've received a letter from Anglia Water regarding an unpaid bill of £550 from a house i lived at around 6 years ago. As I've mentioned in previous posts I was homeless between April 2007 and Jan 2010 i don't know or cant remember what i owed to who before that happened.. . therefore I've never received a letter regarding this before. Most of my records and paperwork are lost. Of course I'm hoping that this can be Statute Barred but does that apply to water companies? the trouble is i cant quite remember when i left this address, I'm pretty positive i had moved out of the house well before Christmas 2006 but not sure it was as early as that June, Once i moved all bills were in my partners name so the account was not moved with me. Also i only lived at the house for 6 months so I'm not sure how i ran up £550 worth of bills. At the moment the debt still appears to be with the water company but they are threatening to forward the debt to a collection agency if they don't hear from me by the 26th, i am concerned that this will go on my credit records, i have been doing well to build my credit back up and i could do without my credit card company and bank cancelling my accounts. I'm concerned about replying to them and acknowledging a debt, so any advise on how to respond to this. Any help is greatly appreciated and many thanks in advance Regards Mark

A bill arrived at my parents address from STW. It was address to myself and my old flatmate. I rang an told them that i would be paying half and to contact my old flatmate to recover the other outstanding monies owed. I tried to give them the address of our letting agent but their exact words were "we dont care who pays it as long as it's payed" i sent them a cheque for half the outstanding amount and a letter explaining the situation also giving them the address of our old letting agent to contact my flatemate. i also asked them to remove me from the account. i have now received a notice of court action demanding the remaining portion of the bill. the letter makes no reference to my letter i sent to them and simply threatens me with court action in 2 weeks if the bill is not paid in full. i cannot afford to pay my old flatmates half. I am fully aware of the jointly and severally laws. my question is: if STW take court action against the account, who will be liable? will they simply harass me for the rest of the money and leave my old flatmate out of it? will i get a CCJ whilst my old flatmate gets away Scot free despite both our names being on the bill? i have been more than helpful, paying my share and giving contact details to obtain monies from my old flatmate. we do not speak anymore.

Hi my fellow Caggers, here is the background..... Myself, my wife and 4 children live in a rented house and have done for a few years. we are on full benefits currently. We could not pay our bill some time ago and went bankrupt due to the debt and other credit card debts. That was in November 2011. Since then, we got a bill from Anglian Water which seems incredibly high, around £200 a MONTH! we are very frugal with water, baths once a week! We are on a meter. The house we live in is an old farmhouse split into 2 properties. we have alleged we must be being charged for neighbour as he doesn't have a meter, but landlord, estate who own building, and water board have always said NO we are NOT being billed for neighbours water. Have been in discussion for some time about these bills as 1) we can't pay it and 2) we are SURE something as amiss here with our supply, despite the fervent denials. FUNNILY ENOUGH........... the other day I had cause to dig a hole in the garden, and I just happened to find the WATER SUPPLY pipe into the house! No damage I might add! It turns left under the garden into our house, but a piece carried on (T connector). I turned off the water meter at the roadside, and disconnected the 3rd pipe, since we are assured we are not supplying anyone else. 5 minutes later our neighbour pops around saying "why is my water off"?!!! I explained situation to him and he said he HAS BEEN PAYING A BILL FOR DECADES! He is not on a meter, and said he pays a VERY small bill monthly. Yet when I turn my house supply off, his supply goes off too, interesting!! During communications with Anglian Water I got a letter a few months back saying that we MAY be supplying our neighbour and they will "look into it" by sending a team to inspect the metering of the properties. Never did. I today received a Legal action and Debt Collection Notification for £600, plus a threat of incurring £125 court fees if I don't pay up as this are issuing legal proceedings. I am LIVID. So, my plan is as follows... To write a letter claiming their threats are harassing and worrying for my family, and legally unfounded since the bill is clearly incorrect. I will include photos I took of the under ground supply, and I intend to inform them that I WILL NOT PAY ONE MERRY CENT of their bill, full stop. They have screwed up, they have billed me and my neighbour for the same water, and have no way of working out how much of the £600 is our water or our neighbours water. My feeling is a court would not uphold their claim since they have clearly screwed up. I am hoping for some feedback or advice on how best to approach this. Thanks

Here is the story (numbers are rounded) Yorkshire water billed us for about £600 for year 2012-2013. £300 due in April, £300 due in October. April instalment bill by some reason was not paid. Now they filed money claim for £725, (£600 plus £70 legal fee plus £55 court fee. The same one went to Mrs. Readalot.) Aprently we are whooping 2 month late with the first payment. My actions so far. - Called them and notified them that Mrs. Readalot is not anymore a leaseholder or owner of the property in question (lease was changed long time ago and it is in my name only), they have changed their records accordingly. - Filed acknowledgement of service and defence in name of Mrs Readalot, the defence is along the lines that she is not leaseholder of the property and not liable for the bills. - Filed acknowledgement of service in my name. Now is the most interesting part.. . I called them (call is recorded) tried to negotiate a quick and amicable settlement but they refused to even discuss it and the party line was "you need to file admission form and send it to yorkshire water". Some quotes from that conversation: - "Have you received the paperwork from the court yet" - Me: "Yes I have" - "Well you need to fill the admission form and send to ourselves" - "This is the process that you need to follow" .. - Me: "I want to reach a repayment agreement" - "No you cannot do it now, we've reached the court stage" - "You need to fill the paperwork from the court and send it back to US" - You can fill in the court forms with repayment offer and send it to us and we will look into it and if we accept we will add 40£ to your account. - Me: What 40£ are for. - 40£ will be added for the judgement. Then CCJ will be on your record. - Me: "Please do not try to mislead me" - "I am not trying to mislead you. If you not make payment in full within 14 days you will have a CCJ entered onto your account, onto your credit file" ... - Me: "This is wrong, this should not be like that, what you are telling me is not true " - "This is the process" - Me: "You are lying to me, in my face" ... - Me: "All I want is to settle this matter amicably out of court" - "Unfortunately , if you cannot pay the balance within 14 days, because the court paper have been issued, the CCJ will be entered and you need to make an offer of payment via the court papers" ... - "That's the paperwork that you have received, if you do not pay the full balance within 14 days the judgement will be entered and you will have that black mark on your credit file for 6 years" - "Well, it is a lie.." ... - "You need to send us repayment offer.. if we accept the offer there will be 40£ added to your account and confirmation will be send to yourself..." - Me: "But what will happen with the ongoing money claim then?" - "It will go ahead and you will have CCJ on your credit file for 6 years" ... - "Because you cannot pay in full the only way [to deal with this] is to admit on the admission form and send it to us" - Me: "or defend" - "Sorry? " - Me: "I can admit or defend, is it true" - "Can you repeat this please?" - Me: "I can admit the claim or defend the claim" ... - "You do not have to attend court, all you have to do. The court has already been done, the court has already been done without you being there" - Me: "The court has already been done without me being there already?" [ WTF!? ] - Me: "Are you saying the judgement has been entered without me?" - "The judgement has not been entered yet, we need you to fill the paperwork and send it back to us and once it has been received the judgement will be entered" ... - Me: "do you understand that you are intentionally trying to mislead me." - "I am not intentionally trying to mislead you , I am just advising you on what the process is" - Me: "I do not want your legal advise, you are advising me incorrectly, you are lying in my face and only back off when I confront you. And this conversation is being recorded, transcript of this conversation will go to court to show unfair relationship between us and your breach of OFT guidelines and there will be a claim to OFT. I do not want any of that, I just want to settle this matter out of court now and you are telling me that 'no way'" ... - "You have not responded to our letters... It is not until now that the judgement have been entered that you are trying to contact us" - Me: "The judgement have been entered!?" - "Yes. the judgement have been entered. Now. Whether you admit that claim or you defend that claim. That judgement will strill be entered and you will have that mark on your credit file for 6 years. The easiest way to deal with it would be to admit the claim" - Me: "The judgement will be entered!?" - "Yes.The judgement will be entered..." - Me: "You are confusing me. Will be entered or have been entered? Which one is it?" - "the judgement will be entered if you admit the claim. If you didn't admit the claim and send the admission form then the judgement will still be entered by default. So either way, whether you respond to that letter or not you are still going to have a judgement going agains you and CCJ issued on your credit file. The easiest way to deal with would be send us the addmission form and set an arrangement...so CCJ now is unavoidable but if once you pay your balance in full we will send you a letter of satisfaction which you can present to court and your CCJ will be marked as satisfied" - Me: "haha.. this is so much going to OFT guys... this record is going to OFT to show them how you mislead your customers .. you are telling me outright lies, you are telling me outright lies right now! You lied to me on multiply occasion, when I confront you, you back off a little bit and then keep telling me lies. This is ridiculous" - "We sent you letter we made you aware of the situation..." - Me: "and then when I contact you, you bamboozle me with waffle!" .. - Me: "Well I am calling you now trying to reach a settlement of this matter" - "It has got to a point of no return now" - Me: "Point of no return, ha.." .. There is some more of that but other party sounds very tired and I let her go. If you are still here, it seems I will defend the claim potentially arguing "unfair relationship". Also the water bills insane (we have no meter), I will be requesting them to set up a meter which should reduce the charges in half (based on our consumption in previous house) This will make the claimed money wildly inaccurate. Also since one defendant on the claim is obviously no liable, she will be claiming legal fees. Will see if I can settle this matter the day before court for half the price. Any advise and suggestions are very welcome.