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    • Hi  Yes in effect I have been paying for my and my neighbours water usage for the last 11 years, this is due to the meter recording the water that has gone through it and the supply being a dual supply that serves out properties and my neighbours. My neighbour has informed me that they pay for their water monthly and this is based on the rateable value of their property. To date i have paid 5404.18 and YW have told me the refund will be 1990.31 which is including an amount that i am currently in credit.  At the minute i think would like to continue using a meter rather than pay by an assessed charge. this is because if i were to simply divide the amounts i have paid by 2 (i know the water usage and meter reading may not strictly be 50/50) the figures that i arrive at is less than the assessed charges for each year.  I will try to speak to the neighbours on sunday and find out how much they pay and whether they would be willing to do a SAR as i am away overnight tomorrow.    thanks again for your help.  oerdering a recording device on sunday too
    • Thanks,    I've read the info from the link, nothing I wasn't aware of really. I wouldn't talk to a DCA anyway or anybody else over the phone for just about anything, hence the reason I refused to give them my details when they rang up. The only "conversation" I had was when they rang me and asked me to confirm my details, which I refused to do because it could have been anybody on the phone and as I said, I'd never heard of them anyway at that point. I asked them to contact me in writing, if they wished to pursue the matter, with "a copy of the Agreement" and the reply was that "there isn't one". At that point I said "we have nothing more to discuss then" and ended the call.    I'm still not happy about posting the entire details online but I'll take a look at some of the other threads to see if there's anything relative. 
    • Looks like my mistake. The new machine requires the full reg to be entered now, whereas before, only the first two numbers were required. I entered the first two numbers.
    • Reciveed a summary warrant, phoned up the council who said it was not longer anything to do with them and I'd have to speak to walker love the firm who deal with their summary warrants. I said I wouldn't have anything to do with them becasue it looks like a dodgy dca and I  I don't trust them, the debt is with the council not walker love. Anyway turns out they have no record of an arrangement to pay last years outstanding amount so whatever's gone wrong they have cancelled this years installments, even though regular payments have been made, they then took a summary warrant for last years and this years outstanding amount. I've cleared last years outstanding amount to the council and have a payment reference number, and the council say they'll make contact regarding a single person's discount  which was missed and then calculate the payments for the rest of this year. They say they sent out three letters threatening the summary warrant which were not received. Now to my question, my argument that the debt was with the council and not walker love, and as I've paid and agreed to pay what and the council say they'll contact walker love and stop the action, is this correct or will walker love still pursue? 
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IND Claimform - HBOS Card ***Claim Dismissed*** - now Intrum chasing

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Here are the two letters so far received.

 

#1 is an introduction saying that IND has been "acquired" by Intrum - whatever that means. Then there is the legal stuff about data etc. Also a page on IND.

 

It appears they are trying to keep the two entities separate, probably to avoid further complaints to OFT and FCA about IND, and being associated with them.

 

#2 is dated just 6 working days later, and is more aggressive - stamped from the Legal Department and signed "Lily Chan, General Counsel". I have not checked but suspect she is fictitious. Whilst they are only requesting contact at this point, it is clearly meant to intimidate - all fuel for later reports to OFT.

 

Intrum 1 Redacted.pdf Intrum 2 Redacted.pdf

 

I will be sending this to them -

 

Dear Intrum aka 1st Credit

 

Your reference …..

 

WITHOUT PREJUDICE

 

You have contacted me about the account with the above reference number. I do not admit any liability for your claim.

 

Enclosed is the Court’s Decision following IND’s attempt to enforce judgement of the alleged debt, along with the order for costs in my favour.

 

Additionally, the alleged debt is Statute Barred.

 

Also, it has been raised previously that the Respondent’s use of a “statutory demand” is trite law and merely a scare tactic to frighten the Applicant into paying and thereby is an abuse of process. It is the Applicants contention that the use of the insolvency laws as a debt collection tool is a misuse of the insolvency Rules.

 

Under the Financial Services Registrar (Financial Conduct Authority, 2019 ) 1st Credit Limited (Trading/Brand Names (May include Previous Names) is now under name Intrum UK Limited, reference number 718918.

 

The OFT has taken action against the Respondent requiring the company to improve its debt collection practices. The Respondent was previously in breach of Insolvency rules and was investigated by OFT:

after investigation found that some of its business processes and procedures failed to meet satisfactory standards’ and therefore OFT had to impose requirements over debt collection practices of 1st Credit (OFT, 2009)

Any attempt by you to commence Statutory Demand proceedings will be vigorously contented and result in a full complaint report to the FCA & OFT.

 

Do not make any further contact about the above alleged debt. Any further demands will result in another complaint against your organisations with the FCA & OFT.

 

Yours

 

(typed)

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Third letter arrived today with a bit more info, saying they are aware IND initiated legal action. They didn't say that they are aware that IND lost the claim! I have reminded them....

Intrum 3 Redacted.pdf

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Was the claim dismissed or struck out ?  You keep referring to you " won " you got judgment ...a defendant cant get judgment ?

 

Andy


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Claim dismissed and Claimant to pay Defendant's costs etc

 

Don't think I ever stated "won' - they failed, judge found in my favour etc....

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Hey so you 'won' again....


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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😉  I never said it!!

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