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    • The two companies are lowell and cabot.   I'll get the information and come back with it.   I did do quite a bit of 'Google' research before coming on here. There's a lot of confusing information out there they seem to tell you half the story.   Just so I'm clear. Bailiffs in my situation, if authorised by a court. Can enter the property through an unlocked door and seizure goods? Or can they not do that with a consumer credit ccj?   Thank you for your help. It's good to finally speak to somebody who tells you how it is.
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    • Hi dx   Post 23 letter has been hidden as has a name in it. I did read the thread and in post 7 saw mention of 'must complain within 3 years of being aware it was mis-sold' if this is what you are referring to? Also my policy is live currently.   I think you know this, but it seems the RBS/Halifax agent doesnt know, that 'I became aware it was mis-sold just before I raised my claim (2019) having read a media article'  as I dont think the PPi team showed them the original claim form maybe, who knows.   Expanding, sorry I missed the word PPi after 'loan' in my post you quoted and highlighted. To be clear, the life protector was not for a loan, but a mortgage, and that mortgage did have a mis-sold PPi on it which they have admitted and refunded.   If it helps, I have several mortgage offers here from 1999 and they say 'Minimum life cover to be assigned to the bank'    The odd thing here is, I started the mortgage and PPi in 1999 but it was 2003 this life assurance started. I do categorically recall being told it was something I had to have though.   Many thanks   E 
    • MP's are good for other things but for some reason are not very good for Council Tax.
    • I've just acknowledged the claim and im reading up on how to do the cca and cpr requests now.   Thanks for all your help  
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
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    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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Bristol Water - Small Claims or Mediation?


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Quote

 

Afternoon,

received "notice of proposed allocation to the small claims track" which needs completing by 10th December 2020. I need advice on whether take this down small claims or Mediation. I have asked the company to send me a breakdown of the account to ascertain the validity of the amount they are claiming, they have only sent copies of the bills and no payment breakdowns. I included this in my defence but  still nothing,   I have digital receipts that contradict the amount they are claiming and wrote to them stating that I need an account summary as they have not taken into consideration the money we have paid. Now we have "notice of proposed allocation to the small claims track" form pack sent instead of the information we have requested.

 

So is it Small Claims or Mediation.

 

 

Afternoon,

received "notice of proposed allocation to the small claims track" which needs completing by 10th December 2020.

I need advice on whether take this down small claims or Mediation.

 

I have asked the company to send me a breakdown of the account to ascertain the validity of the amount they are claiming, they have only sent copies of the bills and no payment breakdowns.

I included this in my defence but  still nothing,  

 

I have digital receipts that contradict the amount they are claiming and wrote to them stating that I need an account summary as they have not taken into consideration the money we have paid.

Now we have "notice of proposed allocation to the small claims track" form pack sent instead of the information we have requested.

 

So is it Small Claims or Mediation.

Webbscatering ;)

LLoyds TSB Started 13/9/06 - Paid In Full 15/3/2007 - Settled

 

NatWest - Started 8/9/06 - 2nd January 2007 - Settled

Virgin Media - Started 8/10/07 - Settled

GE Money - Started 28/02/08 - Settled

British Credit Trust - S.A.R - Prelim sent

Enterprise Inns - court papers served

Natwest - S.A.R - Prelim Sent

 

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Is this a new problem or is there an existing thread on this?

Also, please will you not post your stories in unbroken blocks of text. Well spaced and punctuated will make it much easier for people to help you

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Is this a business supply debt or a private household debt ?

We could do with some help from you.

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this is a household debt

Webbscatering ;)

LLoyds TSB Started 13/9/06 - Paid In Full 15/3/2007 - Settled

 

NatWest - Started 8/9/06 - 2nd January 2007 - Settled

Virgin Media - Started 8/10/07 - Settled

GE Money - Started 28/02/08 - Settled

British Credit Trust - S.A.R - Prelim sent

Enterprise Inns - court papers served

Natwest - S.A.R - Prelim Sent

 

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So if you owe a debt and it is just the amount that is in question, ask for mediation.

 

 

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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lots of lowell energy claimforms here ...can we see yours please!! do the link.

 

dont forget npowers crap billing system that they had to dump of the right period and any statute barring that might apply

lowells have disc'd loads of these old npower util claims once fronted!

 

 

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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You have not got to disclosure stage yet...that comes after you have submitted the above.

Yes it is small claims track and yes to mediation.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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UncleBulgaria - Yes we agree there is a debt but we disagree with the amount.

 

dx100uk - This is not a Lowells its Bristol Waters own legal dept

 

thanks everyone

 

 

 

Webbscatering ;)

LLoyds TSB Started 13/9/06 - Paid In Full 15/3/2007 - Settled

 

NatWest - Started 8/9/06 - 2nd January 2007 - Settled

Virgin Media - Started 8/10/07 - Settled

GE Money - Started 28/02/08 - Settled

British Credit Trust - S.A.R - Prelim sent

Enterprise Inns - court papers served

Natwest - S.A.R - Prelim Sent

 

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well if you helped us we would know but you always keep refusing to fill our sticky threads out when you come here for help.

 

so can you do that

as we need to see the exact POC they have filed.

 

many water companies try it on with many years of bills.

we dont even know the time span yet.

 

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Copy of your defence would also be helpful...otherwise we cant assist with the next stage after you submit your N180.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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Particulars of Claim

30th Sept 2020.jpg

 

Timespan

26th November 2020.jpg

Webbscatering ;)

LLoyds TSB Started 13/9/06 - Paid In Full 15/3/2007 - Settled

 

NatWest - Started 8/9/06 - 2nd January 2007 - Settled

Virgin Media - Started 8/10/07 - Settled

GE Money - Started 28/02/08 - Settled

British Credit Trust - S.A.R - Prelim sent

Enterprise Inns - court papers served

Natwest - S.A.R - Prelim Sent

 

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wish you'd use pdf and fill out our link,,,everyone does..

 

so they are claiming you've not paid all your water bills for 4yrs.

but you have 'digital' receipts?

 

have you sent them a CPR 31:14

previous to this and at the letter of claim stage

did you send an SAR?

 

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

yes there are digital receipts for an amount but not enough to cover the total being claimed

yes the CPR31:14 was sent 29/10/2020

yes the SAR was sent 19/10/2020

No to letter of claim

 

thank you

Webbscatering ;)

LLoyds TSB Started 13/9/06 - Paid In Full 15/3/2007 - Settled

 

NatWest - Started 8/9/06 - 2nd January 2007 - Settled

Virgin Media - Started 8/10/07 - Settled

GE Money - Started 28/02/08 - Settled

British Credit Trust - S.A.R - Prelim sent

Enterprise Inns - court papers served

Natwest - S.A.R - Prelim Sent

 

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Could this poss be a case of the org bills for these years being for the water supply and these new bills are for sewerage and drainage That they poss never charged for and later found their mistake out ?

 

Just trying to work out how you were allowed for so many years to under pay and them never to date say anything ?

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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the four bills mentioned are combined water and sewage.

totally agree with you why did they let her go on for so long?

 

The defence I took the template from this site but amended that the POC did not have an account number nor was there any supporting paper work referring to the debt. That we have requested this information in order to prepare our defence.

 

 

Webbscatering ;)

LLoyds TSB Started 13/9/06 - Paid In Full 15/3/2007 - Settled

 

NatWest - Started 8/9/06 - 2nd January 2007 - Settled

Virgin Media - Started 8/10/07 - Settled

GE Money - Started 28/02/08 - Settled

British Credit Trust - S.A.R - Prelim sent

Enterprise Inns - court papers served

Natwest - S.A.R - Prelim Sent

 

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I am a Bristol/Wessex water customer and those amounts quoted look like standard annual charges for unmetered water and sewerage,  

 

If you have been paying them the regular monthly amounts, I wonder whether the amounts paid have been credited to the correct Bristol/Wessex account.

 

Bristol/Wessex have fairly long customer account numbers.  

 

How were you paying amounts to Bristol/Wessex ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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She started paying by DD but through ill health and not being able to work cancelled the DD

Webbscatering ;)

LLoyds TSB Started 13/9/06 - Paid In Full 15/3/2007 - Settled

 

NatWest - Started 8/9/06 - 2nd January 2007 - Settled

Virgin Media - Started 8/10/07 - Settled

GE Money - Started 28/02/08 - Settled

British Credit Trust - S.A.R - Prelim sent

Enterprise Inns - court papers served

Natwest - S.A.R - Prelim Sent

 

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Get hold of Bank statements or list of payments from your Bank and compare it to what Bristol Wessex are saying through mediation.

 

What is your financial position now to enter into repayment of amount owed ?

 

 

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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Okay will go through the statements today and her financial position is to make an offer of a monthly repayment in addition to paying the normal monthly payments.

Webbscatering ;)

LLoyds TSB Started 13/9/06 - Paid In Full 15/3/2007 - Settled

 

NatWest - Started 8/9/06 - 2nd January 2007 - Settled

Virgin Media - Started 8/10/07 - Settled

GE Money - Started 28/02/08 - Settled

British Credit Trust - S.A.R - Prelim sent

Enterprise Inns - court papers served

Natwest - S.A.R - Prelim Sent

 

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