I don't know how it works where you are but generally watersure tariff is capped at about £37 a month regardless of how much water you use, having a look at your area on the net it is about £438 a year,.do they ask you by letter yearly or every 2 years to send them info to confirm you still meet the criteria to get watersure tariff, if you don't send it to them they will put you on standard tariff.
Hi Papat and welcome to CAG
Find one of my drafts on another thread and adapt it to say :-
I cancelled due to relocation to go to Uni and could not use the gym any more.
I now realise I should have given one month's notice and paid a final month's fee.
I'll pay this if you accept my offer within 14 days but the offer will be withdrawn if you demand any more.
Put a draft here for checking first if you want.
Send the letter to Harlands in Haywards Heath and get a free Cert of Posting at the PO
Name of the Claimant ?
Hoist Finance UK Holdings 1LI
Date of issue – 11th Nov 2019
Particulars of Claim
What is the claim for – the reason they have issued the claim?
The Claim is for the sum of £2722 arising from the Defendant's breach of a regulated consumer credit agreement referenced Under no 4929421509954002
The Defendant has failed to remedy the breach in accordance with a Default Notice issued pursuant to ss.87(1) and 88 of the Consumer Credit Act 1974. The Claimant claims the sums due from the Defendant following the legal assignment of the agreement from Hoist Portfolio Holding 2 Ltd (EX BARCLAYCARD)
Written notice of the assignment has been given.
The Claimant claims
1.The sum of £2792
What is the total value of the claim?
Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ?
Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred?
Yes, possibly more than once. This claim form has been sent not to my actual address but to a friend's house who lets me use their address for post. I had to do this as I had a lot of post go missing at my own address a few years ago. My address on Clear Score is different and my actual address. I don't know how they got this address.
Did you inform the claimant of your change of address?
No, I'd never heard of Hoist Finance before
Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account?
Credit Card bill
When did you enter into the original agreement before or after April 2007 ?
I genuinely don't know although according to Clear Score it was in 2010
Do you recall how you entered into the agreement...On line /In branch/By post ?
I don't know
Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ?
It's on clear score both as Barclaycard and Hoist. The Barclaycard debt it £0 but the Hoist debt is £2792
Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim.
I assume it's a debt purchaser
Were you aware the account had been assigned – did you receive a Notice of Assignment?
No, I don't remember receiving a notice of assignment.
Did you receive a Default Notice from the original creditor?
Not to my knowledge
Have you been receiving statutory notices headed “Notice of Sums in Arrears” or " Notice of Arrears "– at least once a year ?
Not that I remember
Why did you cease payments?
I couldn't afford to pay the minimum and hoped that as the amount wasn't huge they might disappear
What was the date of your last payment?
I think it was July 2014 but it might have been May 2015.
Was there a dispute with the original creditor that remains unresolved?
Not to my knowledge but it was so long ago I have no idea what the debt is for or how much of it might have been late/missed payment charges.
Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan?
No I did not
I've never had a claim issued against me before. Due to my profession it is imperative that I do not get a County Court judgement against me. Please help with what I should do. Thank you all in advance.
I have been trying to get up to to speed, and struggling
"Unite general secretary Len McCluskeytold the Guardian that Labour had to win over the party’s traditional working-class supporters with by promising to end free movement of workers - migrant Labour from Europe - after Brexit."
Labour declares a completely stark raving mad open door to anyone and everyone
Immigration was and still is THE big issue driving Brexit (but Corbyn is of course a Brexiter)
Corbyn promises a new Scot ref, then doesn't then hums and hars.
So what actually is happening?
Corbyn declares he's in it for all voters - but seems to mean he wants to ostracise most voters (biggest issue driving Brexit) and bring in new voters who might vote for him in gratitude despite not knowing who he is and probably not caring, and hopes some of them might be nurses.
Cluckskey wants to end (EU) free movement or workers? So where is he on the open door policy
- (Theres apparently 40-60,000 none Turk ISIS looking for a new home ...)
I cant make any coherent sense of it whatsoever.
Only sense I see is keeping everyone at each others throats to prevent them seeing the real problem
- Corbyn and his quite small cabal of left wing loons
Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!