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Northumbria Water Debit - Help needed asap

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Hi,

 

I have an outstanding debt from a home I had with my ex husband, he is now bankrupt so I am responsible.

 

I wrote to them in September advising I had started a new job and was on low wages for the first 3 months and could I set up an agreement after this. The day after sending this letter I received a county court judgement for this. A few days later I received a letter from them in response to my letter advising I would still need to fill out the earnings and expenditure on the county court judgement. I did this offering to pay £20 a month.

 

I received a letter from them dated 21st November stating they had set up a payment plan and sent me a paypoint card to pay. The first installment of £7.02 would be due on 3rd Dec and then £20 every month on the 3rd. I wrote to them advising I had previously said I couldn't afford to pay anything until January and I filled out the income and expenditure as what my wages would be from then. I said that I would pay £27.02 on the 3rd Jan and £20 per month after that. I got no reply but put this down to Christmas post.

 

On 3rd Jan I paid £28 through Paypoint. Today I got a letter from Alexander James Debt Recovery dated 7th Jan stating I have failed to honour the payment arrangement so the agreement has been cancelled and they intend to start court proceedings for an attachment of earnings.

 

I'm very upset at this as I'm sticking to a really tight budget and trying my best to pay everybody and did everything I said I would. I'm basically starting again in life with a new job and still under probation at a very small company and the last thing I want is an attachment of earnings as I feel (although wrong) it could affect trust from the director and also getting a permanent contract.

 

I want to send a letter tomorrow, recorded, can somebody please advise me on how to proceed.

 

Thanks.

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I will try and find someone who can help.

 

This does not appear to be very fair at all however, I am sure that in view of what you have said, a Judge would not look too kindly on their unreasonable treatment of you.


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http://www.ofwat.gov.uk/publications/focusreports/prs_inf_baddebt.pdf.

 

They already have judgment they are entitled to apply for an AoE if the agreement was broke.I would let them process the AoE and then set that to a realistic affordable payment that wont be defaulted on.


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did you know about the court case?

 

was Alexander James Debt Recovery anything to do with it?

 

something funny here

 

like its two people chasing the same debt?

 

dx


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http://www.ofwat.gov.uk/publications/focusreports/prs_inf_baddebt.pdf.

 

They already have judgment they are entitled to apply for an AoE if the agreement was broke.I would let them process the AoE and then set that to a realistic affordable payment that wont be defaulted on.

 

I can afford it. My wages went as of Jan and this is what I worked my figures around.

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did you know about the court case?

 

was Alexander James Debt Recovery anything to do with it?

 

something funny here

 

like its two people chasing the same debt?

 

dx

 

It was just Northumbria Water.

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so it seems like the dca is chasing the same debt then, unknowing of the ccj already to me?

 

did you know about the court case , did you get claimform through before the ccj came?

 

dx


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They know about the ccj as they mention it in the letter.

 

Yeah I got the claim form in the post.

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ok just searched them and AJDR is the internal Northumbria Water in house dca.

 

so clears that up

 

dx


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Any AoE will be set far more stringent than completing the summons with an offer of payment plan.You can object to the AoE if you would rather deal direct with the creditor rather than involve your employer.Either re negotiate with Northumbria or await the N56 (if their threat is real) and deal with it as stated.

 

Regards

 

Andy


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Thanks.

 

Think I'll send them a letter tomorrow explaining and see what they say. They'll be able to see a payment was made well before they issued their current letter and the payments are up to date.

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Alexander James Debt Recovery will be acting for Northumbria so ignore their threats and deal with the organ grinder.If the payments are up to date then any application for an AoE would be pointless and is probably bluff from the Debt Monkey:wink:


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i know this has been picked up on the twitter feed

 

but please keep us updated.

 

 

dx


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