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    • Is this correct ?
    • OK, so I've rather unfairly picked up a CCJ from a business overdraft debt that's been going on for years. I had court claim forms in 2014 which I managed to stave off. and again in sept 2016. This time I've acknowledged the service, filling in what I thought was the correct amount I thought I owed. I've since had the personal guarantee paper copies in my possession and I owe £21K. I sent them back along with a new address for all correspondence to be sent to, and then agreed to a Tomlin order to pay debt off monthly.  Now, these were sent back and forth and eventually signed, but apparently only partially. So DD was set up at same time, in Jan 2017. over next couple of months we paid, and also go letters to sign new Tomlin which we ignored as it was signed. In March we got another TO with 7 days to sign it and send back. We had one day to get this to them and phoned to say it wouldn't be there, that's ok they said, well extend it, just keep paying and send it back asap, we did send recorded (since lost receipt). We assumed they'd got it, and didn't hear a peep from them. Until July 18, when I found id got a CCJ from Feb that year. I've logged a complaint with solicitor, and had a response, they are denying any knowledge of anything. They had no TO so took it to court without my knowledge.  I didn't think there was anything I can do. However, as it turns out, the court sent papers to an old address even though solicitor had new address for 13 months, and address for correspondence was on the claim papers I sent back. Upon closer inspection the numbers are all wrong too, nor a lot but its about £200 adrift. We called their office too within the 30 day notice period, oddly they have no record of that.  And all this is on a "Business Charge Card Guarantee" …. anyone explain that?? In the mean time we've paid £5K+ of the debt off. At no point did anyone in the process let us know we'd had the CCJ logged against us. Is that right?? Or legal? I was intending to get it set side, but was told by them it was pointless. Just want to get back to point A. Paying it isn't the problem, it getting the CCJ reset. Please Help!!! 
    • same with jaguar s-types etc. all kind of weird issues if the battery is on the way out or the terminals/earth straps are not reconnected tightely/properly.   mine was the earthing strap to the gearbox, was rotted and got knocked during the gearbox oil change.
    • what have they got that they can respond too that counters your SB defence? zilch.   as with every erudio claimform or PAPLOC thread on CAG you solely got the claim because for whatever reason , to that date, everything was ignored.   once a response is made they go away.   default CCJ avoided. you must read up and understand how arrows [erudio!!] operate  
    • so won by a section 75 claim under the consumer credit act then   consequential losses are also covered by section 75 as the card provide is equally liable as you've already found out   as for the dealer and court there is no time limit, well 6yrs I believe   though it would be a tough battle but made slightly easier as BC coughed up. but again what would you in all reality 'win' probably go bust or change name        
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Failed to inform united utilities I'd moved in - help

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18 months ago I moved out of my parents house into my first flat (renting)

I thought that I'd set up all of my payments (gas, electric, council tax etc),

 

Today I received a letter from united utilities saying they have recently found that my address is occupied and are going to send me a water bill.

 

I've looked over my previous statements, and yes, I didn't inform UU that I'd moved in. I know this was extremely stupid!

 

Obviously I have to ring them and sort this out, I have the money to pay for 18 months worth of bills, but am just afraid of what to expect when I call.

 

Will they threaten me with legal action over failing to disclose my address?

Will it affect my credit rating?

 

if I ring them tomorrow to get this sorted, apologise and offer to pay in full,

 

what kind of backlash/penalties can I expect?

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There will be no penalties or backlash. Don't worry. They will be very pleased that you are taking ownership of the problem and you are paying in full. Just make sure that the payment doesn't dance.

 

As you've just moved out of your parents house, I take it that you're quite young and inexperienced at this kind of thing.

 

Firstly, make sure you don't do this kind of thing again.

Secondly, if you move address then always make sure that you notify everyone of your new address – otherwise somebody who thinks you owe the money, will end up issuing a claim against your old address and there will be a judgement against you without you knowing it. Then the first thing that happens will be that you discover there is on your credit file and your credit history is blighted for six years.

 

Thirdly, if you cancel any accounts, for instance to move to a different company, don't cancel the direct debits until you are sure that the account has been properly closed. Companies are often extremely inefficient and you may feel that you have closed an account that there is a tiny bit left over – or the company has failed to close the account properly and there still taking money from your direct debit. If they find that your direct debit has been cancelled then they will consider that you owe them money and they will then move into recovery mode and blight your credit file.

 

If you ever change suppliers anything, leave the old direct debit open for at least two or three months until you are sure that they are not trying to take any more money from you. Then you can close it down. If you find that money has been taken from you and they shouldn't have done, it is much easier to get it back from them later than to have to deal with their debt collection departments which operate like automated dinosaurs and never listen to what you have to say.

 

Finally, if you get into any problems with anyone – come here and tell us about it.

 

Finally finally – read our customer services guide. Implement the advice there. If you don't then one day you will be very sorry. Always record your calls with any company – utilities, mobile companies, banks, insurance companies – everything. Read our customer services guide


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Excellent advice. I would close the thread now BF as I think you have covered it. Job done.

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There will be no penalties or backlash. Don't worry. They will be very pleased that you are taking ownership of the problem and you are paying in full. Just make sure that the payment doesn't dance.

 

 

Thanks for the reply, that makes me feel a lot better! I'll get it sorted tomorrow, and thanks for all the extra advice, its good stuff to know.

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Please let us know how you get on, carranty. :)

 

HB


Illegitimi non carborundum

 

 

 

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Excellent advice. I would close the thread now BF as I think you have covered it. Job done.

 

:???:


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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Just a quick update. I called UU on Saturday and explained the situation, they were remarkably reasonable about it, even said it wasn't a problem. I'm now paid up to date and have a DD set up. There were no penalty fees or anything.

 

Thanks for the calming comments, and advice!

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