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    • Yes owners of the debt can issue a UK court claim if you reside in the UK, subject to UK court procedures, so can defend the claim.    The bit that confuses people is that the debt was created under UAE law. But when they try to enforce using a UK court, if you defend the claim, they will look at the claim and your defence, ensuring any UK court rules are applied. So if you disputed the debt, the claimant would have to provide evidence to counter your defence argument.    
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    • I came back home on Monday and found this Claim form in my letter box. In the light of what I have explained earlier in regards to this debt claim, can anyone tell if I have any chance fighting it in th Court. SW in the last conversation request the proof of me living somewhere else, which I can't provide. They have info from the landlord of property being rented to me, I was there on electoral register, had bank account opened on this address, Driving licence had this address etc., but I wasn't living there.      Name of the Claimant -  Southern Water services   Date of issue – 12/06/2019     Particulars of Claim   The Claimant is statutory...etc The Claimant claims the sum £969 for unpaid water and or sewerage charges payable under s. 142-144 of the act and the Claimant Charges Scheme. The unpaid sum of £969 is for period 01/04/2014 - 08/07/2015. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year  from 08/07/2015 to 11/06/2019 and also interest at the same rate up to the date of the judgment or earlier payment at daily rate of £0.21   What is the total value of the claim? £1423   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? yes Letter before Action   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred?  Yes, COA address.   Did you inform the claimant of your change of address? No Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account?    No, water charges   When did you enter into the original agreement before or after April 2007 ? Allegedly after - April 2012   Do you recall how you entered into the agreement...On line /In branch/By post ? No   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? No, no anymore   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. Southern Water - original creditor   Were you aware the account had been assigned – did you receive a Notice of Assignment?   Did you receive a Default Notice from the original creditor? No.   Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No   Why did you cease payments? Never. I wasn't aware of bills.   What was the date of your last payment? Never   Was there a dispute with the original creditor that remains unresolved? Yes, creditor did not take my notice of bills being wrongly issued in my name.   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No  
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cuchiandme

late payment default help

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Can anyone help?

 

i finally got my credit record straight..

and then in february due to my S.A.D...

i missed a payment on 2 credit cards..

 

i got on the phone as soon as i could to get it sorted..

but at the time i was unable to do much..

because i was ill and sleeping a lot and i live alone..

its difficult to describe unless one suffers from this..

 

now to my horror after explaining everything ,

i found 2 late payment markers in that month one for each card respectively..

i am told this will stay on my file for 7 years...

 

i wrote to the companies..

received no reply only by email..

curt and standard,

that they wont remove the markers..

 

i am thinking this CAN be done but they are just not listening to the reason for the late payment..

only one in all the time i have the cards..

 

this will, i know affect my credit  adversely..

but will it be 7 years?

 

i called again today.. I

was told it would drop off after 9 months...

i  am thinking this is misinformation..

 

but i feel penalised for  being ill..

complaints are open on this..

would a letter from my doctor help?

 

i feel this is injustice... t

hough i know someone here will say..

its normal procedure..

and i was at fault..

 

still, im not just a number on the front of my credit card..

 

this is  a thing that happened to me..

but not deliberately..

and i feel i am not being  listened to on an individual level..

please help!

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I'm afraid that it is an extremely unforgiving system – regardless of fault. It's extremely unfair and frankly it is quite disproportionate but there is nothing that you are going to be able to do about it.

In terms of how long a late payment marker last on your file, I'm really not sure. Maybe somebody else can answer. I'm sure it is longer nine months and I'm sorry but I think seven years is correct. However if it's any consolation, a late payment marker is not massively serious – it's certainly not a default


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When I got my mortgage I was told that any late payment older than 12 months wouldn't be taken into account.  

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might explain a few things...

 

 

 

forget the calendar section...

only you and the debt owner can see that, 

 

is the status of the debt in the summary line showing as late payment?

 


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thanks for replies, always much appreciated.. the calendar section has marker for feby. i received another call from b.c. today.. they are trying to ascertain the reason for late payment.. she is going to review it again based on what i am telling her over the phone.. i told her i can get  medical proof for illness..she replied,  perhaps later they might require that. it tells me , they can remove it... based on the reason..this is a onetime late payment marker..otherwise my files are totally clean of problems, but this ofcourse is making an impact on my credibility.

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its not unless the summary line says late payment after the word status: XXXXX


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Equifax shows yellow, and before was green..and i get a "fair" credit rating..and "ok"...not exactly  where i was

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ignore the calendar section no-one bar you and the debt owner can see that.

 

 

 


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

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