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    • you need to realise that for every person that does come to CAG and register and tell their story...there are poss 10'000 that don't but search the interweb whereby threads that are here pop up relating to like issues they are searching upon.   Most CAG siteteam and many other registered Caggers give advice that bears this in mind and post information which not only informs the starter of a thread upon what to do, but also takes into consideration the readers from the interweb that also read the relevant advice given that might not be brave enough to register and fess up.   to that end, there is very little alternative than to appear to give 'grief' [you deserve it - tough] to a cagger should certain previous advice not have been followed.....yours is a very classic case of such. hey I've found a backdoor CCJ.   to put it bluntly, had you have followed such previous advice, you most certainly would not be in the situation you are in here now.. .so by example, not giving you grief, for future readers...………..   ...never ever move without informing a debt owner of a move of address on any consumer debt that you last used or paid within the last say 7yrs. your credit file is a major key to ascertaining that information.... .but don't just read this advice come to the consumeractiongroup.co.uk website and let us help.   lecture over... what can you do..or more importantly....what can a claimant do now they have a default forthwith judgement against you. well we can't guess.... they might simply ignore it as 1000's of people with CCJ's find out..but it becomes an issue should you wish to say get a mortgage, remortgage or further credit.   i'm not going to enter into any of that here...that's for the reader to start a thread here and seek advice on their individual situation specific to them as you have done....   so...  bearing the all of the above in mind...over to you with regard to this backdoor CCJ.   as for the other debts that you didn't action before...go read your old thread and action what appropriate advice is given there for each type of debt that has been given should you wish to avoid any further backdoor CCJ's.   dx                    
    • hello my very good helpful friend. I am afraid to say that i did not. As i did not realise the relevance of it.   Should i be doing this right now of anyone on my credit file ?   Plz don't give me grief if u have already advised me...   do i do the ccs request now to everybody in that thread ?    
    • aha busted and stupid ...no wonder you've got mixed information here. never trust anything they say ..they have a very bad reputation for stating the truth.   now can you go get your credit file please..   there are cases whereby a council on historic CTAX debts do go for a county court CCJ, but a liability order from a magistrates court has far more clout legally than a county court CCJ and i've never heard of a court sending a bailiff out for 'multiple' CCJ collection.   me thinks he is pulling the wool here a bit and has looked at your credit file and seen CCJ's too so thought he'd chance his arm and use those as further leverage.   don't worry about the sat visit simply ignore do not answer the door if he appears. your task is too gather data at present.   credit file please..        
    • Hi there, the company name on the bit of paper is:   Bristow & Sutor   Says the total amount £990.49 and this includes £235 enforement stage fees,  The CTAX was owed to North Tyneside Council. The guy also said that it wasn't just for CTAX. Other debts were combined.   I did leave other debts behind too when I moved. Perhaps a utility bill, credit card debts and a Provi doorstep loan.   I think the guy said that he would be back Saturday too. This is what I'm trying to avoid multiple visits. Don't want my mam to get upset.   Thanks for the help.   Bear
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flamingo122

Back Billing - Flow Energy / AIC Debt Collection letter

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Hello...Had gas/electric supplied by Flow Energy until 6th May 2017 before switching to another company. Final bill issued by Flow Energy 13th June 2017 - advised they would take final d/d 14 days later.

 

Have now received a letter on 2/5/18 from Allied Credit International Ltd from Glasgow stating that the amount is due. (Also, letter dated 23/4/18 but not received until 2/5/18).

 

Have checked bank thoroughly and Flow Energy never took the final direct debit as they said they would at end of June 2017.

Also never received any communication at any point from Flow Energy since that email in June 2017 when they advised they would take the final d/d at end of June 2017 i.e. no chase /reminder etc etc.

 

Now concerned I have a DCA after me, and that credit score may be marked also :|

They are just under the 12month rule on backbilling that I have read about on Ofcom website but unsure if Flow energy even agreed to that voluntary charter.

 

Who do I speak to - Allied? But assuming they have just 'bought' the debt. Or do I contact Flow Energy and complain?

 

I had no issue about payng it at the time but thought it had been paid and am annoyed to now have this thrown at me randomly nearly a year later - and especially having a DCA involved!!

 

Any leg to stand on?!

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DCA's are NOT BAILIFFS

and have

ZERO legal powers.

 

and you NEVER EVER speak to them anyway..

 

ignore the powerless DCA

talk to flow


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Yes, I'm sure it must be a bit of a shock. It is extremely unfair. However, they are just within the 12 months and so they would be entitled to charge it – assuming that the charge is correct.

 

What is concerning is that they have a DCA involved. Have you checked your credit file?

 

You need to bear in mind that their version may be that they have been writing to you and that you haven't responded. I suggest that you read our customer services guide and that after you have implemented the advice there that you telephone them and try to find out what is going on. On 25 May – in about 20 days time, I would suggest sending them an SAR in order to get all the information they have on you and then you can build up a proper picture.


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Thank you for your advice.

Yes I am fairly certain the charge is correct but I am going to double check it.

I will avoid the DCA and deal with Flow directly.

 

Thank you also for the customer services guide link.

 

I am going to have to do a credit file check next as concerned about that and another point to bring up if it has gone on there.

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If they refuse to deal directly saying they have passed it on then they have failed to mitigate their loss and that means they wont be able to enforce the debt. No one is legally bound to pay anyone other then the creditor (SELLING the debt on is another matter but they havent)

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AIC pick me up off the floor after I finished laughing, another toothless commission based DCA.


:mad2::-x:jaw::sad:

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