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?
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?
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 ?
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?
Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ?
Why did you cease payments?
Never. I wasn't aware of bills.
What was the date of your last payment?
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?
If the case was brought before a UK civil court would UK rules apply or foreign rules?
I wonder if the original contract would strate what jurisdiction it's terms would be decided by?
I note that UK contracts frequently have a clause that says in so many words that any disputes will be interpreted under UK law.
One of the key limitation periods to be aware of is the limitation period for a claim for breach of contract. We have been approached by many clients (including in-house counsel at large multinational and local companies, and even international law firms) who believe that the limitation period for a breach of contract (including a commercial contract) in the UAE is 15 years. What they are often not aware of is that the limitation period for commercial contracts (as set out in Federal Law 18 of 1993 (the “Commercial Code”)) is usually 10 years. Therefore, multi-million dollar claims dating back over more than 10 years may now be time-barred.
If this thread was started about your friend, please don't ask Q's about your dad or anyone else.
Keep this thread on track and use a new thread to discuss issues about YD, thanks.
Keeps thread simple and focused.
This is a bit of a lengthy one but I’ll summerise best as possible.
THIS IS HOW THE PHONECALL WENT
I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker)
I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded.
Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
so far so good.....
i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
so far so good....
A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/