Affinity Water, Moody's and outstanding debt

[Pupter]

Help!

 

How I have missed this I really don't know but it seems at some point in the past my water Direct Debt got cancelled and I never noticed.

 

Unfortunately neither did I hear from the water company to alert me to the fact

 

in the same week I've now received an outstanding water bill and a threat-o-gram from PW Moody's .

 

I contacted them today saying I've now investigated and can see that this cancelled dd was the problem but that I genuinely can't pay the balance in one hit.

 

What I'd like to do is set up a dd to cover this years bill and then organise a payment plan to deal with the arrears amount.

 

Moody's say No, they want the whole lot cleared in monthly instalments by January

 

which firstly makes the payments really high and they want my debit card details rather than my bank details,

 

I'd be happier paying by direct debit as continuous card payments make me feel nervous some reason, or does this not matter?

 

Can they force me to clear the whole lot by January?

 

I'd really like a little more time.

[dx100uk]

ignore moodys and stay off that phone to them!!

 

they are not BAILIFFS and have NO legal powers.

 

deal DIRECT with the water company.

 

NEVER EVER give your card or bank details to these fleecers.

 

dx

[Pupter]

ignore moodys and stay off that phone to them!!

 

they are not BAILIFFS and have NO legal powers.

 

deal DIRECT with the water company.

 

NEVER EVER give your card or bank details to these fleecers.

 

dx

 

Thanks. I was concerned by the washe was talking to me and the way they wanted card not bank details. I fully intend to pay it but not at a rate I can't really afford.

[ericsbrother]

Agree, you should only talk to the water co. Ignore any further communication from Moodys, just put the phone down on them when they ring, dont say anything.

[Pupter]

Hi,

Long story short, a cancelled direct debit a few months ago which wasn't picked up for some time meant we got behind with our payments for Affinity water. They transferred the debt to Inter Credit, who have now added on this years amount and want the whole lot in 5 days or they are going for this bankcrupty thing. The total amount is £906 which I cannot pay in one hit.

Is bankcruptcy a big OTT or is this normal? Is there anything I can do? I am happy to do a payment arrangement but I cannot afford this amount within the next five days.

 

Help, I'm very scared here.

[AndyOrch]

By going " for this Bankruptcy thing " have you actually been served with a Stat Demand Pupter...and if so what's the date on it?

 

Regards

 

Andy

[Pupter]

Sorry, in reading that back there were typos and grammar errors. I was a bit stressed.

 

The letter dated May 22nd says, "

NOTICE OF STATUTORY DEMAND IN BANKRUPTCY SECTION 268(1) (A) INSOLVENCY ACT 1986

 

Dear Pupter,

Having now given you every opportunity to resolve this matter we now give formal notice of our intent to issue a Statutory Demand in Bankruptcy against you.

In 5 days we will instruct our process serer to attend your premises to personally serve the demand.

On expiry of the Stat notice we will present a bankruptcy petition to the court to obtain a Bankruptcy order.

there is a bit of waffle after that but that is the main bit.

[Pupter]

Just to add, I have gone online today to Affinity Water and paid £75 because that is genuinely all I have available right now. I would be more than happy to clear the rest over the next few months but will they even consider it. I paid the money direct to Affinity, I haven't contacted Inter Credit at all.

[citizenB]

Ok, once you receive the stat demand then please let us know. You will have 18 days from the date it is handed to you to make an application to have it set aside.

[BRIGADIER2JCS]

Affinity do seem to take are harsh attitude at times, first time I have heard of them issuing a Stat Demand and threaten BR.

How much of the £906 is arrears? Can you make an offer that covers current usage + a reasonable amount towards the arrears?

[citizenB]

Pupter, I have merged both your threads and you are in the correct place (financial legal).

[Pupter]

Thank you for merging, i really wasn't sure where to post this.

 

I will have to request a breakdown of the amount they quote but believe around £340 is the 2014/2015 charge the rest is from previous years though I had made some payments so this amount seems high.

 

As I say i paid £75 today, I should be able to pay another £50 later in the week, but after that it would have to be paid off over a few months i would think unless I can sell something quick!

Do I have to wait for them to actually issue the demand? Can I not resolve anything before then? Won't waiting mean they will add on charges etc?

[Pupter]

CitizenB - would I have any grounds to have it set aside though? There maybe some charges in there, but I am not disputing I must owe them the money, I just want them to agree to a payment plan. Probably the biggest reason this happened was that we had a suspended possession order on our house for mortgage arrears which took two years to pay off (now completely paid) so other money was scarce, I could argue the point that i now have more money available again to work towards clearing this amount.

[BRIGADIER2JCS]

Thank you for merging, i really wasn't sure where to post this.

 

I will have to request a breakdown of the amount they quote but believe around £340 is the 2014/2015 charge the rest is from previous years though I had made some payments so this amount seems high.

 

As I say i paid £75 today, I should be able to pay another £50 later in the week, but after that it would have to be paid off over a few months i would think unless I can sell something quick!

Do I have to wait for them to actually issue the demand? Can I not resolve anything before then? Won't waiting mean they will add on charges etc?

 

 

Contact Affinity direct and try to negotiate a payment plan ignore inter if you can.

[BRIGADIER2JCS]

Thank you for merging, i really wasn't sure where to post this.

 

I will have to request a breakdown of the amount they quote but believe around £340 is the 2014/2015 charge the rest is from previous years though I had made some payments so this amount seems high.

 

As I say i paid £75 today, I should be able to pay another £50 later in the week, but after that it would have to be paid off over a few months i would think unless I can sell something quick!

Do I have to wait for them to actually issue the demand? Can I not resolve anything before then? Won't waiting mean they will add on charges etc?

Check the account Affinity add "Debt Collection" charges to the accounts.