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Idr43

Sth Water/Shulmans default CCJ - mostly bills that are SB'd and after i moved out

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Hi new to this site and forum so please bear with me.

 

ive had a CCJ issued by default for a water utility bill.

 

I responded to the claim form but didn't enter my defence at the same time.

 

I'm currently in recovery for substance misuse and the shock triggered a relapse and I panicked.

I cannot get legal aid

 

am trying to challenge this by myself.

All I do know is that this account has been defaulted and has "dropped off" the system.

 

I've denied liability due to circumstances at the time and last payment or acknowledgement was done 19/03/13.

The claim letter is dated 07/05/2019.

 

I was led to believe that court proceedings could not be undertaken on an account that has an expired default.

Any advice would be greatly appreciated.

TIA

 

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tell us a bit more about the history please

 

just because you last paid a water bill more than 6yrs ago

doesn't mean since then use is not owed..

 

I suspect this was Shulmans solicitors.

 

pop everything up into ONE MULTIPAGE PDF ONLY

carefully read our upload guide.

 

dx

 


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hi, think i've done it now. even with the helpful links it has taken me most of the day! 

 

 

Binder1.pdf

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hohoho

 

how did i know it was shulmans and their mostly statute barred historic water bills...not the 1st time we've seen this here, about 5th i think.

 

charges from 2011 to 2015 so the ONLY bills you MIGHT owe are those within 6yrs of the 7th may 2019.

 

im trying to workout what you actually owe or might

it appears you have been in contact with them numerous times but your scan are very faint

and I cant see your letters?

 

and their resume in the last post make little sense esp where it says a FURTHER +£3k figure is via a court claim ontop of the +£2k they total on that letter of dated 6/9/19.

 

 but i'll rough guess

 

£2222

- £1058

- £45 dca charge

1119

- is what you really owe.

-

 

just one final point

a defaulted account that is past the defaults 6th birthday does NOT stop litigation.

 

can I also assume you are and have been residen there the wholetime ie not moved ..

 


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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

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

Single Premium PPI Q&A Read Here

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Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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See  I knew i would mess up! 

 

I had to have an "intervention" due to my substance misuse, so had been living there with 3 other people which changed around quite frequently.

 

I didn't receive or open any literature from them.

 

when I got clean I relocated and got myself on track.

which is how they located my address I assume because I registered myself.

 

when I opened the brown envelope thinking it was from support services I had a bit of a setback when it turned out to b a claim form.

 

don't need to read a sob story so I'll upload letters again(maybe individually) with the litigation,

I thought that if a company were to start court proceedings to recover a debt it would have to be within default period, and if it has passed they can't use the court in that way so not enforceable but debt still there? 

 

I can only assume last cause of action to be when I last paid as they can't give me any details or copies of the default.

 

they can't even tell me which CRA the registered it with.

 

Maybe I should have used a paragraph or 2 in the above reply

 

Thanks

 

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hey don't worry upon what is in that last upload

its any copies of stuff you have like your letters etc that are not there

just trying to get deeper into what you did.

 

so you are indicating you do NOT nor live there now?

when did you leave the property

and was your name down as the account owner shall we say.

 

dx

 

 

 


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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

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

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Hi, this is where it gets a bit sticky. I was named account holder, and I did live there but left a number of years ago,but hazy as I've had a few detox's and rehab stints along the way.

I'll try again tomorrow with the documents, it's hurting my head now lol

Thanks again.

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hey that's ok

as I say

we don't need anything you have already put up done again

the story is becoming quite clear.

 

from whatever you have or remember like say your detox docs or hospital letters or WHY

 

find documentary proof [could even be via your credit file or CTAX / voters register]

of when you can prove you were not living there 

was it rented, landlord could help? next tenant date?

 

that's all you need to find as its fast looking like you might not even owe what I roughed out earlier

if you weren't there and can prove it your liability only ranges from 0th may 2013 till you moved out.

 

no rush on anything, they wont enforce the CCJ as they haven't to date.

 

 


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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

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

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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hi, thanks for all your advice thus far . it's taken me a few days to figure out the attachment but i think it's done now. thanks again.

 

ccjadvice2 (1).pdf

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done thread tidied.

 

now to help you help us

can you see if you can:

 

letters from whatever you have or remember like say your detox docs or hospital letters or WHY 

 

find documentary proof [could even be via your credit file or CTAX / voters register]

of when you can prove you were not living there 

was it rented, landlord could help? next tenant date?

 

that's all you need to find as its fast looking like you might not even owe what I roughed out earlier

if you weren't there and can prove it your liability only ranges from 9th may 2013 till you moved out.

 

no rush on anything, they wont enforce the CCJ as they haven't to date.

 

 

 

 


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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

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

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Thank you so much, feel a bit of an idiot now.

I'm really not that good at this.

I'll see if I can find anything.

 

As I've moved from place to place I've left stuff behind so bits missing.

 

I've had another email from southern, who have yet again not told me or shown me who they registered a default with or when.

 

I had a great credit record building up after getting clean and all that hard work was for nothing as the CCJ is on my credit file.

 

TIA

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well the quicker you can prove thing

ie the actual time YOU were there

the quicker you can set this aside.

 

its pretty much guaranteed you'll succeed even with what we know now

but its better to know exactly what you will be waving your arms about as it will make your case alot stronger.

 

don't forget't it can harm you at all to ring various places

ring the old landlord, as him for the date when your tenancy ended etc.

ring your up the medical people like hospitals or the detox centre

they might have case notes from your involvement that can help you too.

 

 

 


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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

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

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Ok thanks once again.

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