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    • Hi GHL and welcome to CAG   You now have your own thread to use from here on ( to avoid hijacking someone else's thread where you first posted).   I assume there were 2 separate m/ships and not a joint m/ship, but please confirm.   I hope you've read other threads here which should help you understand how Harlands/CRS operate. They use every opportunity to make far more money from missed payments and penalty fees, than what they make from taking a percentage fee from ongoing monthly gym fees.   Yours was a rolling monthly m/ship so you only needed to give them notice to quit but there was no minimum 12 month term. Hence all you owe them is £19.99 each.   Write a letter to Harlands, each of you :- 1. Offering to pay the £19.99 for the notice period you failed to give 2. Offer valid for 14 days only. 3. Offer withdrawn if they fail to accept, or if they demand any higher amount.   Post a draft of your letter here first so we can check it.    Letter(s) should be sent from the PO and get a free Certificate of Posting from the PO Counter.  
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kevin19

Backdoor Sth Water CCJ - Now HCEO's - Andrew Wilson and co. Help with a CCJ Removal

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hi,

i'm kind of hoping someone might be able to help me out with this issue,

i don't have money to go and see a solicitor so i'm doing it myself,, 

 

i recently looked up my credit file on a web site and was shocked to see a CCJ,

i had no idea what it was about

 

i called up the court and they gave me the company

it was a water bill from a house that i never lived at,

it was in fact my ex partners home where she moved after we split up,

 

i moved out and on to a friends flat for about six months and she, my ex, went to live in margate with our two kids,

i stayed on london for the next six months while i was awaiting a transfer from work and eventually found a flat near to where she lived so i could she the kids,

 

i asked her if i could have my bank account registered at her house as i didn't trust the communal post box,

she said it would be ok, t

 

after about 7 months my ex said she wanted to go back to london and made a mistake moving there,

she left the house after seven months,

 

said she never got a water bill while she was there,

the water company apparently sent me bills to my exs new place back in london, addressed to me,

 

i'm now living with a new partner, and knew nothing about it all,

 

i had enforcement "men" threatened to come into my house and take my stuff,

i went to court and got a start of the writ with the intention of arguing my case,

mainly being that i didn't live there, and i'm not responsible for the bills,

 

i have some letters with my address on from the time in question

 

what would i need to conclusively prove to the judge that i never lived at her address,

she has even written a letter to the judge stating that she was responsible and that i didn't live there,

 

i'm sure it's not going to be enough,

the water company won't answer my emails,

 

i've called up on the phone and got nothing except they are "looking at it now"

 

it's been two months, they won't respond,

 

any ideas or help would be appreciated 

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We will have a look at your story and try to give you some advice. However, it is very difficult to read a solid block of text in the way that you have presented it.

Please will you present your story spaced and punctuated. It makes it much easier for people to follow and they will be much more likely to give you the advice that you are looking for


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done for you

 

...

moved to legal lorum.

was the letter from a court bailiff mentioning a warrant?


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In addition to the above question, could you please tell us which water company you are dealing with.

You will need to get the judgement set aside. From what you say, you should have actually no difficulty at all. However you will need to pay a fee for the set-aside application and I'm afraid that you will probably have to bear the cost of this in the end or maybe get your ex partner to bear the cost - unless you can show that they were in error in identifying you as the responsible party.

You should contact the water company and send them an SAR.

You should also contact the court and asked them for a copy of any documents they have got including a copy of the judgement. Ask them to email them to you.

The basis for getting a set-aside is that you didn't receive the claim documents and also that you have a reasonable chance of success if you are permitted to defend the claim. From what you say, there should be no problem showing either of these to be true. In particular you say that you can get a letter from your ex partner confirming that you are not the responsible person. Frankly you should be able to contact the water company and put this to them and I can't imagine why they wouldn't be prepared to consent. Water companies are not particularly aggressive and they simply want to get their money and then out to get you as are many debt collection companies.

Please answer the questions that have been put to you.

 


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hi.

i never actually got any letters from anyone untill i found out about the CCJ

 

then i asked the court for details of who it was from southern water company,  

then as soon as i phoned up the collection agency

they came around was rude as anything and said they was going to take my stuff.  

 

then told me the bill had gone up from £890 to £3200.  

that's when i got a stay at the court, other than that i havnt had any letters at all 

 

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Please give more details about the collection agency.

You say that you are able to get something in writing from your ex-partner that you are not responsible. I suggest that you get that immediately. Is your ex-partner prepared to take responsibility for the debt?

The jump from £890-£3200 sounds enormous and it sounds to me as if they must've moved this up to the High Court for enforcement. You will get more specialised help soon – but in the meantime send the water company an SAR and get the statement from your ex-partner.

 


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i have just this minuet sent them a SAR.

hopefully i'll get something from them, but so far they havnt responded to any emails i sent.

 

my ex has already written the letter explaining things for the judge to read when it finally get to court. 

shes a decent woman and if i asked her she would come down and go to court with me,

in her letter she accepted responsibility

 

i just can't understand why the water company won't respond ?? 

 

feels like i'm going to get shafted here, how it can go from £890 to £3200 in the space of two weeks i don't know, i'm really lost 

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oh and it's Andrew wilson and co. enforcement officers

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If you have sent the SAR to the water company by email, it would probably be a good idea to send a copy by letter as well. If you have only just sent them the email then don't forget that it is a bank holiday today.

What I don't understand so far is why they should have identified you as the responsible party. If this is clearly an error on their part then they will have to absorb all the costs. If it is an error on your part that I'm afraid that you may be liable.

Can you try to explain carefully why it is that they have you down is the responsible party. Also, is the actual water bill – substantive part not the collection costs – has that now been paid?


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well from what the lady on the phone, customer service,  told me it was because they knew i had my bank statements sent to my exs address, since we broke up i have been staying at friends place untill i found a flat to rent in margate ,

but the place had a communal post box so for safety i got my letters sent there,

 

thats  until i met my new partner and we moved in to together,

other than that i don't really know,

i can't actually pay the bill a single there isnt one anymore,

or i would just to get them off my back,

 

the actual bill is 890 the rest is something else, fees i would guess.

 

il get a letter in the post asap with regard to the SAR, good idea, this is all since 2014/2015 

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sounds like the usual SW tactics to me

they've sent in the HCEO's as the debt is above £600

 

becareful

they are BAILIFFS NOT A DCA

so have legal powers!!

but they cannot force entry on a consumer debt.


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i wouldn't let them in, as they was waiting on my front door when i got back from the park with my son, i got my phone out to record everything, they were being really nasty, even though they never knew where i lived untill i phone them up and told them i was sorting this out,

horrid experience 

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well you need to get the warrant suspended

best idea might be to get an N245 running to the court and also request the warrant be suspended for now

a lot quicker than set aside the CCJ, that's poss for later

thread moved to the main bailiff forum.

 

have a read of these threads

explains everything

https://cse.google.com/cse?cx=partner-pub-8889411648654839:3134625398&q=southern water CCJ warrant Bailiff&oq=southern water CCJ warrant Bailiff&gs_l=partner-generic.12...222377.222377.0.223565.1.1.0.0.0.0.151.151.0j1.1.0.gsnos%2Cn%3D13...0.0...2.34.partner-generic..1.0.0.pceIapA3BaY


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OP already made application to stay DX...thread title amended


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really missed that bit.

one line so there is...🤣🤣

 


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thanks for your help guys, not going to lie this is really stressing me out :-(

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ok sorry I missed a bit

so where are you at now.

you've got the warrant stayed?


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yeah got the warrant stayed, awaiting court on the 29/05 

just not sure what to do now, i can only tell the judge what happened and hope he agrees with me that I don't owe the money, but i don't trust in these things, i always seem to get bent over. 

going to ask my ex partner to come to court with me and explain to them what happened and that she is the one responsible. 

not sure the judge will believe me 

 

Even if i have some bits and pieces of proof of where i was living at the time :-(

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what about CTAX proof?

voters?

works proof.

utils bills from where you moved too.

 

I will guess the solicitors are shulmans that did this 

lots of threads here about these backdoor SW CCJ's as in that link above.

 

 


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10 hours ago, BankFodder said:

We will have a look at your story and try to give you some advice. However, it is very difficult to read a solid block of text in the way that you have presented it.

Please will you present your story spaced and punctuated. It makes it much easier for people to follow and they will be much more likely to give you the advice that you are looking for

It isn't really a block of text to be fair

 

OP, what proof do you have at hand?

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that's because I later spaced it for the user.

 

dx

 


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59 minutes ago, dx100uk said:

that's because I later spaced it for the user.

 

dx

 

thanks for that , never done this before and using my phone isn't the best idea either, :-)

 

1 hour ago, dx100uk said:

what about CTAX proof?

voters?

works proof.

utils bills from where you moved too.

 

I will guess the solicitors are shulmans that did this 

lots of threads here about these backdoor SW CCJ's as in that link above.

i have some bills and a council tax bill, car log book and a driving license which i found, 

but i'm not sure if that will be enough. ?

 

shulmans that the one,

i spoke to them and asked what was going on,

she said that i was responsible and asked me for my previous addresses

 

when i told her she said that's not the information i have and then said there was nothing more to say and hung up,

these people seem to be so hard faced. 

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thought so..

go read these threads

you should pick up these were mostly all backdoor on purpose and SW are getting quite frustrated with what they did

don't ever speak to Shulmans again.

all you'll get is tough we want the money as they get a cut!!

 

https://cse.google.com/cse?cx=partner-pub-8889411648654839:3134625398&q=shulmans ccj&oq=shulmans ccj&gs_l=partner-generic.12...15003.17970.0.20377.5.5.0.0.0.0.94.353.5.5.0.gsnos%2Cn%3D13...0.967j346481j4...1j2.34.partner-generic..5.0.0.zWzt0xHnkQQ

 

the docs you have should be perfect to prove you don't owe the debt.

and never did

sadly this is Shulmans that have collated the info 

they LIE!!


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