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Hi this is my first post and I'm in some need of advice please.

 

I owe Anglian Water around £1700 and they have passed the debt onto Marstons, who ill be honest, we have ignored!

 

As you can imagine they have added their fees and now the bill is for £2753!

 

They have obtained a high court writ against us that is dated 8/1/2015.

They have called at our property several times but fortunately we haven't been at home.

 

The last letter we received from them said that as the judgement remains unsatisfied,

further enforcement will no doubt be taken against us,

and this may take the form of a garnishee order against our accounts,

a charging order against any equity in any property

, an attachment of earnings order if you are employed

or in certain circumstances, bankruptcy.

 

The thing is I can get hold of enough money to pay Anglian water the original £1700

but I can't afford to pay the £2700 that Marstons want!

 

 

I rang Anglian water and offered to pay what I owe,

but after the girl spoke to the debt recovery team, I was advised that any payments should be made to Marstons, as they are handling the account.

 

 

I told them that my partner is pregnant and that we can't afford to pay what Marstons want

and that we would just like to clear our account with yourselves today to get it over

and done with as the stress is really starting to affect my partner who is 6 months pregnant.

And again they said we had to deal with Marstons :(

 

Could somebody please advise me on what to do next?

If I could have paid it sooner I would have done,

but I already have attachments on my earnings and really can't afford anymore.

 

 

I was unemployed for quite a while and got into lots of trouble financially.

 

 

I have managed to sort all of them except this one.

 

Thanks in advance

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They cant apply for Banckruptcy now, that you can be safe off :)

 

Change to law happened this year where it was increased to £5000 :phew:

 

Is this subject to a court order by any chance?


 

We could do with some help from you.

 

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Receptaculum Ignis

 

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Hi thanks for your reply.

I'm not entirely sure what you mean? If you mean do they I have a ccj for it then yes

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Course, I see they have a HCW (Writ)

Why not make an offer to Marstons based upon an I+E now that it has gotten to this stage.

 

Did you defend the CCJ?


 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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No I didn't defend the CCJ. I let things get to me if I'm honest and buried my head in the sand :(

 

Could you explain to me what an I+E is please?

Thanks

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Income and Expenditure. Might be worth it.

But also you could try a variation order at the courts so they can set an affordable sum to pay this off.

 

It would stop any further action if agreed to


 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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Why wouldn't Anglian water just accept my offer to pay off the debt?

 

 

It just seems a little crazy.

 

 

I didn't know whether it would be a good idea to talk to Marstons.

 

 

I guess I should start there then and see what they say.

 

 

But I'm worried all they will be interested in is getting their fees?

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Because it is subject to a CCJ and also has now had Bailiff fees added to it.

I dont think there is much you can do with this one


 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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They cant apply for Banckruptcy now, that you can be safe off :)

 

Change to law happened this year where it was increased to £5000 :phew:

 

Is this subject to a court order by any chance?

 

Um, October that comes in isn't it?

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what letters have you had from marstons please?

 

 

their titles.

 

 

notice of enforcement one of them?

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Why wouldn't Anglian water just accept my offer to pay off the debt? It just seems a little crazy. I didn't know whether it would be a good idea to talk to Marstons. I guess I should start there then and see what they say. But I'm worried all they will be interested in is getting their fees?

 

Marstons will want their fees, but a lump sum payment and monthly arrangement should see this disappear very quickly.

I would submit an offer like 1k or even the full 1700 up front and then x per month.

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Most of the letters are the same thing really. They say that someone will be coming out to remove goods etc...

 

I had a notice of enforcement dated 19 March 2015.

 

I also had one hand delivered that said Balance including Enforcement stage 2 fee £2732.57p

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I don't have possessions that amount to £2700 so if they got an attachment of earnings would it be for £1700 or £2700?

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I thought it was later this year as well !

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Usually it would include the incurred costs too. Be careful that you are not in a job that can sack you for having a ccj.

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No I'm fine on that front. Thanks though

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so sadly the fees are correct.

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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But how do they justify £1000 of fees?

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please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Usually it would include the incurred costs too. Be careful that you are not in a job that can sack you for having a ccj.

 

Not so Grumps. Any Attachment of Earnings can only be set up by the court and in order for this method of enforcement to be taken, it would require Marston's to return the account back to the court. Once that happens, the enforcement power ceases and with it.....enforcement agent fees.

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But how do they justify £1000 of fees?

 

If is not the matter of 'justification'. The fee are outlined in statutory regulations (see link below).

 

The reason why the fees have risen is sadly answered by your own post where you state that you had ignored all previous notices and kept your 'head in the sand'.

 

The fact of the matter is that there is little point in looking back at the past mistakes. Personally, I would contact Marston's and make a sensible payment proposal.

 

http://www.legislation.gov.uk/uksi/2014/1/schedule/made?view=plain

 

PS: The fees are outlined in Part 2 but as the fees are for High Court debts you will need to add VAT.

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I've just had an unexpected call from Anglian Water saying that they will now accept my offer to clear the bill!

 

Does this mean that I'm in the clear or can Marstons still chase me for fees?

 

Thanks

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Unless anglian call of the bailiffs, then they will still chase for their fees. The claimant can, and sometimes do, ask the bailiffs to withdraw so its worth asking anglian if they will do that.

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Yes definitely worth it :)

Its a bargaining tool you can use, although a CCJ being involved does make it more tricky.

 

Wonder if Anglican have been reading the thread ^__^


 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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