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    • Hi all,   Could any of the site team (or experienced site membes) give me any guidance on the above defence .   I need to have it in by Friday at latest, and was hoping to submit tomorrow to make sure that its lodged in good time   Many thanks in advance x 
    • Sorry but sounds like early days if CWD and lately IDR. Been dealing with this since 2009 and still going on as well as those crazy collection agency’s in Dubai also still emailing to this day.    I set up a special email account where I have everything from CWD, IDR and all others so it’s all in one place and the laws that have been broken.  Upon discussions also with R. Sterling at detained in Dubai its also been helpful.    Currently with the FO with my complaints against the attempted collection of debt in the UK when it has not been passed through the correct channels regardless of what is in the T&C.    Personally I would not pay any ting until as people know that debt has been passed through the correct manner of courts in the UAE or indeed purchased by a UK company which then I will be happy to defend given the laws here and whT I have available.    Make sure to ask for everything when the time come all statements, extra charges terms at the time of supposed signing etc !    Listen to the team also 
    • I'm sorry the CAB have given me some terrible advice in the past, and some others on here.  Please do as Andyorch says above. do not use Moriaty's forms.  Do not fill in ANY income and Expenditure for Moriarty. They have no more right ot demand that from you than I do.
    • Why are you considering Bankruptcy...they have not even issued a court claim yet ?    Its vital you use our forms provided in the link ...not the ones Moriaty have sent you.
    • Its already statute barred in my book...the Statute of limitations is quite clear...its just that the Judge in this recent case with PRA is trying to move the goal posts for his DCA chums by stating the period of limitation begins when the creditor issues a default notice and the 14 days have elapsed...that is what he classes as the cause of action...not the fact that creditor have failed to serve a DN in over  8 years..decides to serve one now which in effect makes the statute barred limitation period since last payment 14 years.   The Limitations states that the period of six years starts with no payment or acknowledgment within 6 years from when the cause of action accrues ...accrues being the operative word...the Act does not state accrues starts from the issuance of the defect notice, .....it as always been the cause of accrues from the last missed contractual payment...thats what determines the cause of action.   But the CCA1974 states that a creditor is not entitled to enforce an agreement until a valid default notice is served...so this Judge in his wisdom has tried to fuse the two acts together...which is obviously nonsense.. he has not allowed for creditors who serve the notice late or not at all.
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BankFodder

Thames Water Customer Assistance Fund - help to pay your water bills

style="text-align:center;"> Please note that this topic has not had any new posts for the last 855 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

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Thames Water has a fund in place which can help to pay your water bills if you satisfy their hardship criteria.

 

The Thames Water Customer Assistance Fund helps customers who are experiencing financial hardship and are in debt with us.

If you are in financial hardship and would like to apply for help with paying your outstanding Thames Water bill, download our application form and send it to the address below:

 

You can also contact the Trust in the following ways:

Email us: contact@twcaf.org.uk

Call us: Please call us on 0800 111 4680. Our lines are open from 9am to 5pm, Monday to Friday, and closed at weekends and on bank holidays.

 

Write to us: Thames Water Customer Assistance Fund

FREEPOST RSAJ-BXEA-LKLT

Sutton Coldfield

B72 1TJ

If you have used this fund before or if you decide to use it now, we would be interested to hear about your experiences of it.

 

You can post in the Utilities forum:- http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?121-Utilities-Gas-Electricity-Water

 

 

Other water providers may well provide similar schemes. Check on their websites and let us know.


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United Utilities

 

http://www.unitedutilities.com/trust-fund-home.aspx

 

The trust is specifically there to help customers and offer support and encouragement to manage bills in the future. It is an offer of help to make a significant difference for those customers in severe hardship and unable to pay their bills.

If you think you may qualify and want to be considered for a grant then you can contact the Trust Fund direct on 0845 1791791 or at http://www.UUTF.org.uk


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