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    • I moved into new house and I live alone since in May 2020. I started to pay by standing order and 6month later I was told I owe money and must up it to £15p/m. and I did. Later to another £25p/m around January 2022 and I did and requested to see itemised billing which was followed by a phone call to water office To my surprised the itemised billing showing several hundreds of pounds owing. The lady on the phone was bullying me to effect a direct debit and that she needed minimum payment of £64.00 to bring my account to date. When I asked what was wrong with standing order she authoritatively insisted that I must have DD in place. I promised I will get back to her but she was not having it, and I had to terminate the call. This was in May 2022. Few days after our conversation I effect/increase my standing order to £65.00 P/month. I have not missed a payment.  I now have a letter showing current balance owing at £128.66 with threat to pass my account to debt collector. What are my options here please. After debt collection what happens as they initially threatened to terminate my water supply, cancel my standing order and take me to court for recovery, now is passing my account to debt recovery. 
    • Dear Andyorch/DX, Please see my cover letter and witness statement. Feel free to make corrections !  -------------------------------------------------------------------------------------------------------------------------------- Cover letter Case number:     My address                                                                                                                  Court address    Dear Sir/Madam   My name is xxx listed for the County Court inn Leeds on September 19, 2022.  Unfortunately, I will not be able attend the hearing due to unplanned travel. Therefore, as per CPR 27.9, I’m giving written notice to court and claimant and kindly asking You to hear the case in my absence, taking into account my witness statement and other documents I have filled in the process.    Please see attached: witness statement    Faithfully yours,   XXX --------------------------------------------------------------------------------------------------------------------------------- WS   I, XXX, being the Defendant in this case state as follows;   I make this Witness Statement in support of my defence dated 8th December 2021 and in response to the claimant’s claim dated 9th November 2021 which was submitted through the County Court Business Centre.   1. It is my understanding that the claimant is an Assignee, a buyer of defunct, disputed or bad debts, which are bought en masse as portfolios at a much reduced cost to the amount claimed ...10p to 15p in the pound and which are already written off as capital loss and claimed against taxable income by the original creditors. The claimant then issues claims en masse with little or no evidence or documentation as a ‘fishing exercise’ claiming the full amount of alleged debt to maximise profit.   2. As an assignee or creditor as defined in section 189 of the CCA this applies to this new requirement on assignment of rights. This means that when an assignee purchases debts (or otherwise acquires rights under a credit agreement) it also acquires certain obligations to the borrower including the duty to comply with CCA requirements (such as the rules on statements and notices and other post-contractual information). The assignee becomes the creditor under the agreement. This ensures that essential consumer protections under the CCA cannot be circumvented by assigning the debt to a third party.   3. Background   Save insofar of any admittance it is accepted that a contractual relationship did once exist between myself and Talk Talk Ltd. On receipt of this claim I could not recall the precise details of any agreement or any debt, numerous years having passed since the alleged agreement date, and therefore reasonably sought clarity and information from the claimant.   I formally requested via CPR 31.14 on the 15th November 2021:   A copy of the original agreement; A statement of account; A copy of the terms and conditions as applicable at the time of the agreement; A copy of any Default Notice/ termination notice; A copy of any notice of assignment showing the claimant’s legal right to take action   Having made a claim, the above data should have been immediately and fully available from the claimant and as per the above formal requests duly sent to the defendant to allow a swift conclusion.   4. Disclosures   The claimant has supplied some documentation but has failed to comply fully with my formal requests. The claimant has failed to provide:   A copy of the original agreement A statement of the account showing completely and exactly how the amount claimed for has been reached A copy of a default notice/termination notice A copy of a legal notice of assignment showing the claimant’s legal right to take action.   I received rough copy of the bill summary (no originals) and not on the usual Talk Talk letter headed paper:   11th September 2018 - £182.51 with a 'previous balance' of £170.01 which is not shown how this is accumulated.    The bill summary does not state that this is the “Final Bill” or that the account has been closed.   Subject to the above, should the alleged amount claimed include an early termination charge(s) amounting to the total balance of the remaining contract, OFCOM guidance clearly states that any Early Termination Charge, that is made up of the entire balance of the remaining contract, is unlikely to be fair, as it fails to take into account the fact that the provider no longer has to provide and pay for their service.   5. Conclusion   The claimant has failed to comply with my formal requests, is in default and therefore I must assume that this is due to the claimant not having any of the above mentioned legally required documentation and has merely issued a speculative claim in the hope of obtaining an undefended default judgement.     Statement of Truth ------------------------------------------------------------------------------------------------------------------------
    • Just send the SB letter, they're just hoping you'll cave in and give them some beer money.
    • I have been getting letters from PRA regarding a Barclaycard account I took out in 2015, at my current address, defaulted in 2020. The account is on my credit file, with an address I haven't lived at for 12 years. The letters from PRA are all being sent to my current address.   I'm reluctant to start contacting them, unless I receive a letter of claim. But, I am concerned about them potentially using an old address to get a backdoor CCJ. Should I send a short letter confirming my current address, or leave things as they are?    
    • I just received this from the fleecers..   She is asking the court to retract the image of the signage which states 3hrs free parking. as she sent it in error...   The case is tomorrow at 10am,  Is there anything else I need to do ?   Thanks bwlegalp1-combined.pdf
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Hiya,

 

Ok my story is this. Last year i was on holiday and got hurt and went to hospital and put it against my travel insurance and paid the excess. Came home next day as was end of holiday and told travel insurance people (Insure and Go). A few weeks/month(s) later got a letter from hospital saying bill is still outstanding. Phoned/emailed Insure & Go and said they were dealing with it (got case reference details and all the standard things) and heard nothing more of it until yesterday. Yesterday got a letter through the door from a DCA (Legal Recoveries & Collections) demanding payment and the usual rubbish they write in their letters about court proceedings etc etc.

 

My question is what should i do now to both deal with Insure & Go and the DCA? No idea really myself as not use to this kind of situation. As always the DCA is giving me until Friday to pay up/sort it out. Very long deadline as always!

 

Any help would be much appreciated.

 

Cheers,

 

Nick

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Are insure and go happy with the claim?

if they are give them a kick up the proverbial to sort out ASAP and you want confirmation they have done this incase or

DCA friends keep coming back

All comments are well meant but i am not legally qualified only CAG educated:D

 

 

In the slight chance i have been helpful please click the scales:)

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