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    • This is more than helpful. Thank you so much. I will get the cca done tomorrow and post the reply from them for what to do next. Thank you all again. 
    • 12+2 working days.   a dca can't hurt you credit file any more anyway.   only the original creditor can issue and register a default, on or before the sale of the debt.   what the dca put in the calendar section is immaterial as only you and them can see it it does not extend the 6yrs period whereby the debt shows on your file and after which the 6th defaulted date's birthday causes the whole file to removed regardless to paid or not, paying or not......makes no odds. it still goes, but might still be owed mind, depending upon the contents of the CCA return.   dx  
    • Hello   I agree with dx100uk.   Send them a CCA request which is a request for them to produce the original agreement that gives rise to the debt.  They have a limited amount of time (I think around fifteen days) to send you the document.   Here are the possible follow-ons from that:   1. They don't respond within 15 days and so you are legally entitled to stop paying until they do send a response. 2. They send a letter saying they have gone back to the original creditor to ask for the document and they need more time.  You (legally) stop paying after fifteen days and don't pay them again until they send proof. (This is the most likely first response as they wont have any of your documentation as they bought your debt as part of 1000 others on a spreadsheet on a CD ROM or USB stick). 3. They send you something that looks like a contract or which might be something else that they want you to think is the contract within the time frame.   After either of the above  whatever they send you should be referred back here for an assessment as they will often send you unsigned documents or made up bits of nonsense.  Even if the contract turns out to be the genuine one it still might not be enforceable due to errors made by the creditor at the time of signing.   The only potential downside to the above is that they could try to damage your credit record but probably it is as much damaged as it can be by this debt already so nothing else they can do will make it worse.   Following on from the above you can continue to not pay them.  I would setup an on-line savings account and pay yourself the money instead which has the advantage of creating a resource in case you need to resume payments in the future.   They may send you further letters either inducing you to resume payments by threat or by offering you a deal.  If the document is not valid then the only deal you need to take is the one you unilaterally entered into at T plus 15 days when you agreed with yourself not to pay them another penny.   It is not impossible that they will send you a letter saying the debt is unenforceable (miraculously I have actually seen one!) and asking you to pay anyway which you will of course ignore as you should not be giving any member of this low life industry any encouragement.  
    • I agree and I've no doubt that will happen in the future, but if a court claim is issued and a ccj successfully registered against the debtor then it will never be sb anyway, so are we more likely to see more court claims in the future ?      Can it not work both way though, if the sb date is ultimately aligned to the date of the default notice, essentially giving the creditor 6 years to collect or issue a court claim then regardless of when the debt was last acknowledged / payment made, a debtor could just tell the creditor to eff off after the 6 years is up, figuratively speaking     
    • Received acknowledgement of defence submission from court. VCS now have the option of continuing their claim or not. Watch this space !!!!
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tolade

CCJ Action on essex water bill

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Please can anyone help. l am a full time student and not workingat the moment. l live in my fathers house but he is not living with us (myself and my sister). l changed his name from the water bill to my name, but unfortunately, l have not been able to keep up with payments.

 

l called the water company and told them l am a full time student but they want me to be paying £100 a month, which l can not afford. Not upto 2 weeks that they say l should be paying £100 a month, they went to court, what l recive was a CCJ form to fill within 14 days.

 

Please is there someone who can tell me what to do, because am so frightened and disheartend. :(....

 

l dont want CCJ in my name or against me. Please help!!!

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Hello and Welcome, tolade.

 

I'll move this thread to the appropriate Forum and ask another Mod if they can help you.

 

Regards.

 

Scott.


 
 

Any advice I give is honest and in good faith.:)

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Am I right in saying that they have got judgment against you ? Is the water bill the only bill in your name ? Can your father not help you out with this ? and £100 per month sounds like a very expensive bill to me (unless there are some arrears from previous years) Is it a claim form you have received ? If so may I ask what the particulars of the claim are ? Are you going to defend ? What you'll need to do is acknowledge receipt of the claim form within 14 days of the date on the form....stating if you are defending, defending part or admitting....


PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

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Are you on a water meter ?


PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

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Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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no, we are not on meter.

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hello thank you for your time, no l have other bill am paying like sky bill, anyway my father at this moment can not help me out...to be honest at this stage am confused, l dont know what to do. l dont know what you mean by defend, can l?

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Tolade,

 

What exactly are the papers you have received through the post?

 

Is it court papers with particulars of claim or is it informing you they have obtained a CCJ against you?

 

If you can answer these questions it will make it easier for the very knowledgable people on here to offer you appropriate help.

 

Feebee_71

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Thank you Feebee_71, l received the court papers to fill in in 14 days and return back to them. They have not obtained CCJ against me. lt is just the papers from court to fill in.

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They will get a judgement if there are serious arrears that you cannot catch up on.

 

When you fill in the papers, enclose a expenses lists of income and outgoings. You will probably get a reduced arrears amount to pay on top of the normal payments.

 

Not very helpful I know, but you will have to put utilities and rent at the top of the list and only have luxuries like sky if there is anything left over.

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Please can any one help me on how to fill in form N244. lwent to court but do not understand what the judge said, all i knew was the judge asked me hw much l can be paying p/m, that was the only question l was aksed, l think l was nervous because l was 3 minutes lates so l do not understand because l was told the judgement had already been done, later they asked us to come back in, now that was when the judge ask me that question. Please am in a confused state, please can someone help me out on this matter. How do l write my defence again or do i still need to use the same defence i used before?

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