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    • I came back home on Monday and found this Claim form in my letter box. In the light of what I have explained earlier in regards to this debt claim, can anyone tell if I have any chance fighting it in th Court. SW in the last conversation request the proof of me living somewhere else, which I can't provide. They have info from the landlord of property being rented to me, I was there on electoral register, had bank account opened on this address, Driving licence had this address etc., but I wasn't living there.      Name of the Claimant -  Southern Water services   Date of issue – 12/06/2019     Particulars of Claim   The Claimant is statutory...etc The Claimant claims the sum £969 for unpaid water and or sewerage charges payable under s. 142-144 of the act and the Claimant Charges Scheme. The unpaid sum of £969 is for period 01/04/2014 - 08/07/2015. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year  from 08/07/2015 to 11/06/2019 and also interest at the same rate up to the date of the judgment or earlier payment at daily rate of £0.21   What is the total value of the claim? £1423   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? yes Letter before Action   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred?  Yes, COA address.   Did you inform the claimant of your change of address? No Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account?    No, water charges   When did you enter into the original agreement before or after April 2007 ? Allegedly after - April 2012   Do you recall how you entered into the agreement...On line /In branch/By post ? No   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? No, no anymore   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Southern Water - original creditor   Were you aware the account had been assigned – did you receive a Notice of Assignment?   Did you receive a Default Notice from the original creditor? No.   Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No   Why did you cease payments? Never. I wasn't aware of bills.   What was the date of your last payment? Never   Was there a dispute with the original creditor that remains unresolved? Yes, creditor did not take my notice of bills being wrongly issued in my name.   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No  
    • If the case was brought before a UK civil court would UK rules apply or foreign rules?   I wonder if the original contract would strate what jurisdiction it's terms would be decided by?   I note that UK contracts frequently have a clause that says in so many words that any disputes  will be interpreted under UK law.
    • http://www.hadefpartners.com/News/333/Limitation-periods-in-the-United-Arab-Emirates   One of the key limitation periods to be aware of is the limitation period for a claim for breach of contract. We have been approached by many clients (including in-house counsel at large multinational and local companies, and even international law firms) who believe that the limitation period for a breach of contract (including a commercial contract) in the UAE is 15 years. What they are often not aware of is that the limitation period for commercial contracts (as set out in Federal Law 18 of 1993 (the “Commercial Code”)) is usually 10 years. Therefore, multi-million dollar claims dating back over more than 10 years may now be time-barred.   https://www.jstor.org/stable/3381662?seq=1#page_scan_tab_contents
    • how long did you sign up for ? if they claimed DD after that period …….
    • If this thread was started about your friend, please don't ask Q's about your dad or anyone else.   Keep this thread on track and use a new thread to discuss issues about YD, thanks.   Keeps thread simple and focused.
  • Our picks

    • Future Comms is a Big Con. How to get out of it. Read more at https://www.consumeractiongroup.co.uk/topic/417058-future-comms-is-a-big-con-how-to-get-out-of-it/
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      • 4 replies
    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 5 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
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Hi,

I recently contacted CFO Lending with regard to a total outstanding debt of £800 that i am struggling to repay. They have offered to let me pay the debt off over a period of four months which initailly i was pleased with. However these payments are still too high for me to afford and I think there may be a way for me to dispute these high payments?

Does anyone have any experience of dealing with CFO Lending or any other options available to me? I am prepared to pay off the debt but only at comfortable payments that i can afford.

Any help is much appreciated. Thank you!

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Can you give us more info about the debt, any contact theyve made, any offers of discounts etc? CFO are a complete pain to deal with, but they can be dealt with.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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hi there

thanks for replying!

the total debt including interest in £748. they have said they will take a payment of £198 at end of april, then three further payments of £183 on the following three months which would clear the debt.

i have only had communication with them on the phone when i rang the other day, when they offered me this. but these payments are not something i can afford on a month to month basis at the moment.

I have had no offer of any discounts or anything.

Thanks for your help with this

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Okay. Have a read of http://www.consumeractiongroup.co.uk/forum/showthread.php?421413-where-do-I-start&p=4506800&viewfull=1#post4506800

 

That advice i gave someone else will work for you. The most important thing for you is to secure you bank account and finances. CFO are one of the worst for getting access to your account and completely stripping it clean. Once you have done that, THEN you can think about repayments done via standing order only. Under no circumstances should you pay via Direct debit or debit card to this company.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thank you very much,

I will speak to my bank tomorrow and hopefully they will be helpful. Should i get a new card with a new number on it also? Changing banks is something i dont want to really do unless i absolutely have to.

Again, thanks for your help and advice. Its appreciated

Mark

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Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Brilliant! Thank you! Can i stay in touch with you on this thread should I need any more assistance or advice?

 

Thanks

 

Mark

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Yep. Plenty of others around that can help too if im not here :)


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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today i went to the bank and they have cancelled any further payments to CFO lending. and have assured me that now the arrangement has been put in place if they attempt to take a further payment then it must be returned immedaitely.

should i now contact CFO to tell them i have done this and start attemting to negotiate with them?

thanks

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No need to tell them. Check the cag library. Youll find a good template thrte for informing a creditor you cant meet repayments.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I am currently in a Debt Management Plan which is going smoothly, but was struggling over Christmas with money and, stupidly, was offered a payday loan which it took. I have spoken to the debt management people who are happy to add this debt to my plan.

However they have said that my existing creditors in my DMP may not like this and in an "inlikely event" this could be seen as financial fraud.

Please please could someone advise me about this and the potential consequences here. Or am i worrying too much? I keep thinking I am going to get taken to court and am generally thinking the worst. Thank you

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about a year ago i entered into a debt management plan to cover the payday loans i had taken out. however over christmas i was struggling financially and, stupidly, was offered another payday loan which i took. i have been paying interest on this as well as paying into my DMP. i have spoken to my debt advisors and they are happy to add this debt to my plan, but have advised me that the other creditors may not like this and the words "financial fraud" have been mentioned. please could someone advise me what the outcome of this could be and how likely it is something bad could happen here. i am truly thinking the worst and i am very very worried. thanks

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Who is your dmp?. No fraud has occured.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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The idea of the DMP is to have creditors accept less than contractual payments and hopefully to freeze interest rates and not add further charges.

 

The fact that you have borrowed more and are now wanting to add a new creditor to the DMP will mean that they will now receive less - and indeed might not be happy about it.

 

Your new Creditor might huff and puff about fraud etc, however, your credit files should have shown what a serious mess you were in - so they could well be accused of irresponsible lending.

 

Which Debt Management Company are you with ?


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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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my dmp is with Payplan. As part of this i am intending to increase my payments to them so it includes this new debt and doesnt affect my current creditors. Im hoping this keeps all parties happy. am i worrying too much? the word "fraud" scares me but i am trying to do all i can to repay my debt and avoid any complications.

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as always thanks for your help here by the way

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If you are not giving your current creditors less than they were receiving, then yes.. I think you are worrying too much :)

 

As I said earlier, your credit files almost certainly reflect the muddle you are in, so the PDL company to lend you MORE money was totally irresponsible :)


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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thank you so much for your help guys. i am going to add this to my dmp. you have reassurred me alot. thanks again

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