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    • If the legendary dx could offer his wisdom it would be greatly appreciated 
    • Hi there Manager for our soccer sixes team moved overseas mid season and we struggled for numbers so we told the ref about 5 weeks prior to seasons end that we would see out these games then be done and he told us he’d ’pass the message on to the relevant people’. Heard nothing, then 3 days prior to the new season beginning we were given our fixture for that weekend. Told the guy over text we had pulled out and the ref should’ve passed a message on but we were told sufficient notice wasn’t given and it needed to be in writing. I argued it’s not our fault the ref didn’t do as he said but we were countered by the T&Cs.    now being chased for what was £608 kindly reduced to £476 to pay off remainder of the season. Been sent a letter in the post from their accountancy team and told needs to be paid by Friday.   seen a lot of the other threads saying we can literally just ignore everything but im concerned about debt collections and credit score being harmed. Can anyone confirm if this all works/what we should do?   thanks
    • Hi,   I have given an official police witness statement for the prosecution in an upcoming criminal court case, and I am very anxious about what might happen.  Specifically regarding being cross-examined.  My statement is very short, and only a couple of paragraphs long, regarding a conversation I had with one of the victims.  I have tried to research online about what information about me the defence barrister might be able to find and use to discredit me.  I have by no means have a shady past but, I am concerned about what private information might be brought up, and as this is a case that will be in the national press as it is in the public interest.  The two preliminary hearings were reported in the papers.   I have tried to research  online what information the opposition can seek, but it is all very complicated.  I believe that they can legally access public records, but I'm not sure what information public records hold.  Can they access my medical records, educational history, HMRC, and Department for Work and Pensions? (I am a self employed sole trader).  I was arrested once, and this was unfortunately instigated by the victim in this case, so could well be of interest to them.  It resulted in no further action, however I have only discovered this week that that, in fact, this means I have a criminal record, and will be so until I am 100 (no chance)! This has really annoyed me to say the least, especially since I asked him afterwards why he rang the police and he said 'for a laugh'.  So I have started to look into applying for it to be deleted, but again, if anyone has any advice on this I would be appreciative. At the moment, my name isn't on the confirmed list to give evidence, but the detective I have been dealing with has said it is 'likely'. The names of the victims in this case will not be allowed to be reported, are witnesses fair game for the press? I really need no know how deep they can delve in to my life so I am prepared if my character gets assassinated in front of the nation. I really wish I'd never agreed to this.   Many thanks
    • A belated thanks dx. Yes I may take your advice regarding StepChange. I am finding that I am telling them (on behalf of my Son) the true balances outstanding? They never seem to check properly in which worries me. If I was to take on myself is there another way of dealing with various debts? I have already submitted other IRL complaints on his behalf. Today I have received a further response from Quidie T/A Fernovo confirming that they will waiver all interest paid.
    • Good evening  Case hearing this Friday 26/04. looking to have all my prep/papers ready.    just checking in to get update on my last post , ( the t&c’s attached). No name or address on them as per #49   thank you UCM  
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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I have an unusual situation. I have a debt for past water charges to my address. However, (1) the debt includes a period of time before I moved there, and (2) the entire debt is in the name of the former tenant (even though half of it should be mine).

 

I'm getting a lot of letters informing me that the debt will now be passed to a Court for enforcement. I'm not in the habit of opening mail not addressed to me, but sometimes the letters are addressed to the 'resident', with the old tenant's name buried further down in the letter, which is how I know about this.

 

Am I liable for this debt not addressed to me? Surely for the debt to go to Court for enforcement, they must be sure who the debt is really intended for (they don't even the first name for the last tenant, just his initial and surname)?

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Have you been in touch with the water company and given details to them that you have moved in. If you are in rented accommodation then just send them a copy when your tenancy started, they will then amend the bill.

It may be possible that the last tenant had not informed them that they had moved, hence why you are getting bills/demands in their name still.

I would rectify this asap before you get stumped with a very large bill.

You will be liable for the debt from the time you moved into the property.

Do they know you have moved in?

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Make sure you tell the water company that the person they have been writing to no longer lives there. If letters from the court do turn up in any other name but yours then you must return them unopened and clearly writing on the envelope that the person does not live there.

If you do not nip this in the bud now in way of trying to resolve this matter with the water company, you may then find things may get a bit sticky for yourself later on.

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Contact them ASAP, and tell them the date you moved in, and ask for an amended bill. Otherwise they will try to make you assume the whole debt, if they get a CCJ for the whole amount, including the previous tenants arrears it is likely to be over £600, if and most likely when they pass it to a HCEO, things will get very messy.

 

Do it now, I think there is a freephone number for water companies availiable in office hours 7 days a week.

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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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Hi there. I'm new to posting, but I've been reading these forums for some years, and from what I understand (and I'm happy to be corrected if I'm wrong), unless the debt is in your name, you have nothing to worry about.

 

The water company is not legally allowed to disconnect your supply, and any HCEOs that are sent to enforce the debt have no claim against your possessions, only the one addressed on the debt. You also don't have to let them in, they have no right of forceable entry.

 

Although I would obviously not advise taking this route, I am aware that some people have avoided paying their water bills for years simply because the water company does not have the correct details for the residents of the property (for which they can only blame their own laziness).

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In my opinion this is dangerous ground, if the creditor can

prove who is the occupier over a period of time they could

well be in a position to take action.

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In my opinion this is dangerous ground, if the creditor can

prove who is the occupier over a period of time they could

well be in a position to take action.

 

Agreed Brigadier OP MUST establish when they took over the supply to avoid being billed for the previous tenant's arrears, the Water Company doesn't care who they chase for the money, as long as they get it, so it is imperative Op makes sure they only pay

for their supply, not the arrears of the previous occupant on top.

We could do with some help from you.

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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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Agreed as most of OUR water supplies are owned

by foreign companies great care is needed.

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Hi there. I'm new to posting, but I've been reading these forums for some years, and from what I understand (and I'm happy to be corrected if I'm wrong), unless the debt is in your name, you have nothing to worry about.

 

The water company is not legally allowed to disconnect your supply, and any HCEOs that are sent to enforce the debt have no claim against your possessions, only the one addressed on the debt. You also don't have to let them in, they have no right of forceable entry.

 

Although I would obviously not advise taking this route, I am aware that some people have avoided paying their water bills for years simply because the water company does not have the correct details for the residents of the property (for which they can only blame their own laziness).

 

If enforcement was their way forward and a bailiff did turn up the onus would be on the occupier to prove that they are not the debtor, they would be asked eventually when they moved into the property and the bill would be back dated. There are various ways they can be find out how long you have been living at your present residence. As you have said this is a very risky way or avoiding paying your bills.

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The use of the water supply would be explicit so

strict proof of the start of a tenancy or occupation

will be needed, the failure to register the new

occupation with the water company ''could'' be

interpreted as deliberate avoidence of liability for

the water bills.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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