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WW Complaint: Default Date incorrect / Out of Time CCJ Application

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Could you offer some advise on my situation please?

 

 

I moved into a property in December 2010, and the Water bill was put into my name. I left this property at some point during 2014, at which point i had made no payments towards the water or been in contact with the water company. I've made good the debt now, ive actually cleared all my debts!

 

 

My question is regards to the default date. The company placed the default in January 2016. They then applied for and won a CCJ by default in August 2016.

 

 

I've raised a complaint as i believe the default should have been dated between March-July 2011. That is correct i assume? In regards to the CCJ, I have asked that they agree to have it set aside, as if they had placed the default on the correct date then it would have been statute barred.

 

 

Im confident on my first point, how do you feel the second point (CCJ set aside) will be? I've already paid any monies i owe to them, but if they had placed the default correctly then it would have been statute barred before the date that they actually applied for it

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Water bills are annual

So the CCJ may well be correct

 

Have you a copy of the claim form and the CCJ?


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, DCA;s would collapse overnight.

 

 

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Actually my maths are really bad, 2011 to 2016 is only 5 years so its not going to be statute barred. I'll just try and get the default date corrected to within the 6 month guidelines

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yes but again that doesn't mean you are correct in that assumption.

 

the CCJ is there for 5yrs anyway, paid paying or not. settled or not


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, DCA;s would collapse overnight.

 

 

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the CCJ is fine, it can stay. It is paid and marked as settled.

 

The default date should be 2011 though? seeing as i did not make a payment at all on the account from December 2010?

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then give them 14 days to correct it

else you'll open a serious complaint against them with the ICO.

and seek financial compensation.


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, DCA;s would collapse overnight.

 

 

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ok, as long as thee is agreement i am correct. I have raised a complaint. lets wait and see what they do

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I had a call back from a customer service manager today stating again their belief that as they didnt report to CRA's until 2015 then they only record all defaults as starting from that date.

 

I think that is against the spirit of the ICO's advice, so i have asked them to send me a letter of deadlock, which they will send within 10 working days. Once i receive it i will escalate via the ICO

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Update on this. I emailed the CEO direct on 28th December and recieved a response from the head of Customer Service on 29th December stating that a director has been asked to look into this and they will provide a response by 11th January.

 

I have high hopes for this one!

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