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Hi,

 

This is my first time on this forum, so please excuse me if i've posted in the wrong forum.

 

I received a letter from Moriarty Law today(attached) claiming that they are acting on behalf of Utility Warehouse recovering a debt of £3093.15 dated from 22/10/2013.

 

I have moved around a lot in the last few years but have been at my current address for over 2 years yet this is the first I have heard from them.

 

I have absolutely no idea where the debt of £3,000 has come from,

I was renting a house with my friend back in 2013 and Utility Warehouse were our energy suppliers (all bills were in my name as it was easier)

 

I have checked my emails and my bank statements, I can find a payment to Utility warehouse in March 2014 for £150 but nothing else.

I should also mention, the property that this relates to, we only lived there for six months until April 2014 and then both moved in with our parents.

 

In regards to the letter, I have been working really hard on getting out of debt over the last few years and recently took out a debt consolidation loan with the aim of getting the last few things I owe, paid off, my credit score has only recently recovered after a few family members went rogue with my credit score when I turned 18.

 

I cant afford to have a CCJ on my credit file.

What should I do?

I cant see how we could have racked up a £3000 debt in the six months of living in a 2 bedroom flat.

I cant see anything from UW on my noddle report either.

 

Do I write back to Moriaty law?

Any help is massively appreciated.

 

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Please edit out reference numbers and details.

 

i would also advise writing to them using a prove it letter. Otherwise they could go for a CCJ on an old address, even if they know your new one.

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 suggest that you send an SAR to UW

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I've hidden your pic as you've not bothered to redact it at all.

you don't need to out it back up

but in future read upload and use PDF please.

 

you'd posted in the bailiff forum

moriarty are not bailiffs and have in all truth zero legal powers.

 

did you get a response pack with that letter of claim.

that looks like the attachment in post 4 here:

https://www.consumeractiongroup.co.uk/forum/showthread.php?481827-The-Pre-Action-Protocol-for-Debt-Claims-is-made-by-the-Master-of-the-Rolls-as-Head-of-Civil-Justice.-1st-Oct-2017

 

if so comeback and tell us

as your response might be a little different than sending some silly out of date prove it letter that's not really applicable in todays climate

and if you did, that will encompass most of what an sar does too.

 

typically UW will bill you from before and after you left the flat

so I hope? you have ref to readings when you moved in and when you moved out> and did you tell them...or just ran.>>

 

let us know these bits then we will form the correct response please.

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi,

 

I'm so sorry, I couldn't figure out how to get rid of my attachment using my mobile.

Thank you for your responses.

 

I did get a response pack - I haven't responded to it yet,

I am going to contact my previous letting agent today for a copy of our tenancy agreement to ensure I can confirm dates of occupation.

I can't find any evidence of meter readings, but I remember calling them to tell them we were moving house.

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ok well don't take too long.

pers I think you need to respond to them within the 30 days window.

 

we'll deal with that when you have the info.

 

or ring UW up and ask what meter reading they have based their bill on?

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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moriarty don't ever turn up

update us please on whats going on 

 

previous upload hidden again

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites
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