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Welsh Water CCJ for not my debt - transferring debt from an old account after default has dropped off


Jessy90
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Hi,

I'm hoping someone can give me some advice.

 

To cut a long story short

 

I have a current complaint with Welsh Water regarding debt for a property I was not liable to pay the water bill for (ex partners house and landlord named me also while registering her name, after she took out the tenancy, and I ended up with a CCJ by default.)

 

My current complaint with them is in motion and I have provided 4 documents from different periods of time showing I lived at another address, and I believe they are reviewing these documents.

 

I had two accounts on my credit file, one of which they defaulted before opening a new account as they say it was for a new bill and they couldn't increase the balance of a defaulted account.

 

The second account shows arrears also at the beginning before showing as okay every month for the last couple of years (due to my ex paying her water bill)

 

Then this December gone due to the original defaulted account dropping off my credit report, they took the balance from the original account and added it to the current one, increasing the balance and therefore putting a 6 payments late marker on my credit file.(Straight to 6 from green)

 

Surely they cannot be allowed to get away with this?

 

My ex's credit file apart from the CCJ that was registered against us both shows green as she makes all her payments and on time now. Me on the other hand have now got late payment markers appearing on this account due to the balance from the old defaulted account being transferred across after dropping off my credit file.

 

Has anyone heard of a similar situation and are they even allowed to do what they are doing?

 

I'm hoping after they review my documents they will just agree to remove the accounts completely and also give me a consent form to remove the CCJ. However should they not agree I need to know where I stand with these new late payment markers.

 

Any advice appreciated, Thank You

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if they consent to a set aside FOC to you then the CCJ entry should be removed from your file.

 

now im a bit confused.....

52 minutes ago, Jessy90 said:

I had two accounts on my credit file, one of which they defaulted before opening a new account as they say it was for a new bill and they couldn't increase the balance of a defaulted account.

 

is this defaulted account the one with the CCJ that you say was not yours?

 

53 minutes ago, Jessy90 said:

Then this December gone due to the original defaulted account dropping off my credit report,

and this defaulted account the same CCJ one?

 

 

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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  • dx100uk changed the title to Welsh Water CCJ for not my debt - transferring debt from an old account after default has dropped off

Hi, thanks for your help

 

the first account was registered by the landlord of the property in may 2014 and no payments were made, and so it eventually defaulted.

 

Welsh Water then started reporting a new account to the credit reference agencies, to continue on from the defaulted date of the other account.(I've been told they report this second account as they cannot increase debt on a defaulted account)

 

To clarify neither of these accounts should have been on my credit file, the second one simply replaced the first one, after it defaulted.

 

I believe the CCJ covered both the accounts as it was heard in Nov 2017, but the amount was for all money owed from both accounts.

 

Yes the defaulted account that dropped off, would have been part of the CCJ amount, and the rest from the second account that was opened.

 

They were informed I didn't live at the address in 2017 but yet to this day are still reporting it on my credit file.

 

My ex's landlord when registering her (and mine for some reason) details, used my surname for her, and so they then got a CCJ against that name even though the person doesn't exist. I believe this is why they are so reluctant to remove this debt from my name, as they know the other CCJ is unenforceable.

 

Thanks

 

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if you've proof they are not yours then get that CCJ set aside

if WW wont do a consent order FOC to you then threaten them with n N244 set aside and costs for the damage to your credit file typically £1000 a pop.

 

 

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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Yes thanks, I'll give them reasonable time to make a decision and then most certainly go down the set aside route.

 

With regards to them adding the balance from the original account to the current one, once the default from the original one dropped off, does it even seem likely that they are allowed to do this?

I know they have a CCJ for the entire amount but it appears they could now default me on a balance that they have already defaulted me on before

 

Thanks

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but not a default notice.

just a 6 or D. ignore the calendar markers.

 

but yes should not be done.

did it hit your score and thats why you started the thread?

doubt it if you had a CCJ there anyway,.

 

i can't really understand why they created a new a/c as the old one that has the CCJ they can adjust the amount.

 

dx

 

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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So would the calendar markers not be seen on future credit applications?

 

I will be taking out a mortgage in September and although the CCJ will not stop me from getting the mortgage as I am using a specialist broker and a high deposit anyway, any late markers in the previous month's will affect my eligibility.

 

It does appear to have hit my score although I'm not worried about that as much as it affecting the eligibility criteria, eg no missed payments in previous 6 months before application, no defaults in previous 12 months

 

Thanks

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23 minutes ago, Jessy90 said:

So would the calendar markers not be seen on future credit applications?

correct only you and the original creditor can see them.

 

23 minutes ago, Jessy90 said:

any late markers in the previous month's will affect my eligibility.

only if you show the lender them...don't!!

be very careful of brokers wanting to see your file

don't let them!! they can search your file themselves if they have a CCL !!

they are only after more commission from sub prime lenders by viewing the file as you see it 

 

sorry but many brokers and IFA's are scammers!! they get better backdoor commission through recommending sub prime deals ratherthan main stream prime lenders

don't get had!!

 

dx

 

 

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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I'm certainly learning something new here.

 

So what information would a lender actually see regarding this account when they run they're own search?

I imagine ww are going to continue marking the calendar with a 6 every month, although there hasn't been an update from them since December

 

Thanks

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They only see the status or summary line of each account on your file.

They do not see the monthly breakdown.

 

And to be honest a credit file is only one of many systems they use to decide.

 

Dx

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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  • 2 months later...

Time to bring this thread up to date:

 

The CCJ is still currently being reviewed.

 

The late payment markers have continued every month since December.

 

Below is a message regarding the markers:

 

"It may be useful to explain that when a Default is reported, the balance is ringfenced (credit entry 4248744801_000), and a new entry is created on a credit file for any charges raised after (4248744801_001). 

 

The Default entry has been deleted from your credit file because of the six-year rule, although we still needed to report that the balance hasn’t been paid.  As such, the balance owing has been added to the second credit entry (4248744801_001), which is why you can now see this on your credit file.  The late payment markers being reported, reflect the age of the debt.  I’d like to reassure you that this does not subject the outstanding balance to a further Default.

 

To summarise, whilst the Default is no longer showing on your credit report because of the six-year rule, we are accurately reporting that the balance remains unpaid.  We’ll continue to share information about account activity (account balance and payments / missed payments) until the balance is paid"

 

 

So my question is, are they legally allowed to do what they have stated above?

They are just going to mark the account with a 6 payments missed marker every month forever if the alleged debt is not paid?

 

All help very much appreciated 👍

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1 hour ago, Jessy90 said:

The late payment markers being reported, reflect the age of the debt.  I’d like to reassure you that this does not subject the outstanding balance to a further Default.

 

To summarise, whilst the Default is no longer showing on your credit report because of the six-year rule, we are accurately reporting that the balance remains unpaid.  We’ll continue to share information about account activity (account balance and payments / missed payments) until the balance is paid"

 

the above comments are absolute BS.

 

if a debt is older than 6yrs it should NOT be reported upon, nor should be showing regardless to it not being paid or by it being merged to another newer account . what utter fleecers.

 

dx

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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Thanks dx 

 

Can you advise on what I could do from this point or anything I should say in my response to them?

 

I have the consumer council for water involved but they have given Welsh water a chance to sort out the issue, but this is what they have come back with

 

Thank you

 

 

 

 

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complain to the ICO.

 

dx

 

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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