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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  
    • 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.
    • http://www.hadefpartners.com/News/333/Limitation-periods-in-the-United-Arab-Emirates   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.   https://www.jstor.org/stable/3381662?seq=1#page_scan_tab_contents
    • how long did you sign up for ? if they claimed DD after that period …….
    • 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.
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    • Future Comms is a Big Con. How to get out of it. Read more at https://www.consumeractiongroup.co.uk/topic/417058-future-comms-is-a-big-con-how-to-get-out-of-it/
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    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
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    • 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/
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Posted (edited)

I've been asked to put a post on this side of the forum regarding Likleyloans

 

I'm about a month or 2 away from defaulting on payments on a £1600 loan @£72 a month over 54 months

 

£1,600.00 over 54 months
£72.64 per month over 54 months
APR is 59.94%
Total repayable is £3,922.56
Total cost to borrow is £2,322.56

 

 

This was a loan I took out in November 2018 However a job that was supposed to go permenant is now going to end in August due to funding cuts. This will go with other debts putting my total debts to around £29k It has been suggested that I pay £5 PCM till a time that my wife can get work again so looking for advice with this one, thanks.

Edited by finaldj

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was your credit file shot with defaults late payments etc etc

when they loaned to you


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How many creditors are we talking about and what kind of credit are they

Have any of the others been defaulted yet?


DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Yes I had been on a DMP plan for since about 2017.

I was registered with clear score and this came up as something I could get based on people in my current situation.

 

Been on a DMP for a few years now about 6 creditors which have all gone over to DCA's over a year ago.

 

However I had Littlewoods/very/argos I never declared on my DMP as they all had 0 balance at the time I defaulted on the others....the idea was if something broke down like washer/tv etc they were something I could fall back on with the idea I wouldn't use them for anything else.

 

However as time progressed I ended up dipping into them for stuff and family buying things some not paying in the end after a fall out just landed me deeper into debt on my DMP

 

the crippling point was Child Support Agency made a big mistake it had been coming out of my wage but they hadn't been taking in enough in around 10/12 years

 

when CMS took over they looked into my account and informed me there was arrears of 11k so the £286 a month towards debts the CMS started taking which pushed my Min payment towards debts to £61 a month.

 

This is when it started the ball rolling landing me further into debts.

 

I haven't got defaulted in Argos/Very/Littlwoods or Likley loans this is going to happen soon.

 

I have however got another thread going about the other debts on another post in the subforums as was asked by the site team to post about Likley loans in here.

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so if debts had already gone to DCA's by the time you took this loan out 

there must have been defaults on all of those

and or

late payment markers etc clearly showing a history of you cant afford things...

 


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Yes that was the case all the debts were with DCA's when I applied for the loans.

 

Would this make a difference to me defaulting now on this loan?

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stuff worrying about defaulting on it

 

they should not have loaned you the money in the 1st place

 

fire off an irresponsible lending claim 

 

 

 

 


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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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

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Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

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Posted (edited)

Are you on good terms with the dmp providers,do you pay them too much.

 

Are the accounts which are not being paid to the dmp being persued?

 

I have to say this is a common scenario, so don't worry it will get sorted. I take it tou have no secured loans or council arrears?

Edited by Dodgeball

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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I'm with Stepchange but leaving them to do a DMP on my own with the creditors.

I've found SC not very good and kept pushing to go bankrupt and they are very pushy.

 

I've also added more debt onto myself since being with them which will only fuel the fire with them so figured it might be easier to go alone with it. These other accounts Very/Littlewoods/Argos and Likley I haven't defaulted just yet I've got enough to make 1-2 more payments to them all and thats it.

 

This way I've told the wife once I default on the other companies I have credit with I wont be able to get anymore credit for a long time which is kind of a relief because I've learnt a huge lesson from all of this and I don't ever plan on getting like this again.

 

Once we have sorted out our financies, I'm setting up a savings account to fall back on if we need anything.

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