Robsmillers
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Can i put this at the bottom, I know its not Legal for them to send me the info but may help or am i just over complicating it again You should ensure compliance with your CPR 31 duties and ensure that the document(s) I have requested are disclosed at your earliest convenience.. Your CPR 31 duties extend to making a reasonable and proportionate search for the originals of the documents I have requested, the better for you to be able to verify the document's authenticity and to provide me with a legible copy. Further, where I have requested a copy of a document, the original of which is now in the possession of another person, you will have a right to possession of that document if you have mentioned it in your case. You must take immediate steps to recover and preserve it for the purpose of this case. Where I have mentioned a document and there is in your possession more than one version of that same document owing to a modification, obliteration or other marking or feature, each version will be a separate document and you must provide a copy of each version of it to me. Your obligations extend to making a reasonable and proportionate search for any version(s) to include an obligation to recover and preserve such version(s) which are now in the possession of a third party. In accordance with CPR 31.15© I undertake to be responsible for your reasonable copying costs incurred in complying with this CPR 31.14 request. If you are unable to comply with this request and believe that you will never be able to comply with this request please confirm in your response.
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Can you check this please 1: The agreement Facility Confirmation and Terms and Conditions from that date. You will appreciate that in an ordinary case and by reason of the provisions of CPR PD 16 para 7.3, where a claim is based upon a written agreement, a copy of the contract or documents constituting the agreement the original(s) should be available at the hearing. Further, that any general conditions incorporated in the contract should also be attached. Failure to prove the above will render any claim unenforceable pursuant to section127 and 61b(3) CCA1974 2: A complete set of statements for the utilities mentioned in the particular of the claims detailing exactly how the debt has accrued detailing All transactions. 3: Notices of Sums in Arrears under running account credit CCA2006 sec 86C
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Update Hi my response from FCA just pasted the main points Huddle Utilities Ltd I’ve conducted a search on the Financial Services Register (the register) which is a public database of the firms we authorise and regulate and it also shows warning pages for unauthorised firms. I’ve been unable to locate a firm called Huddle Utilities Ltd which means they’re not authorised by us. If a firm is offering certain investments or financial services in the UK or if they have any affiliation to the UK, then they should be authorised by the FCA to do this. If they're not authorised then they may not require authorisation and you wouldn’t have any protections in place if anything went wrong. Your next steps Although we regulate and oversee the UK’s financial industry, there are certain services or products which don’t fall within our regulation. This means firms that perform or offer any unregulated products or services are not subject to our rules, and we have no authority over their business. If a firm are collecting regulated debt they would require authorisation to do so and we would expect them to adhere to our rules. Examples of this type of debt include mortgages, credit cards, and loans. If you believe the firm are trying to collect regulated debt please let me know. However, debt that doesn’t relate to a consumer credit agreement (for example, parking fines, utility bills, council tax) generally falls outside our remit and firms collecting those debts don’t need to be authorised by us. You can find further information here. Instead you may benefit from contacting the Credit Services Association, who are the trade association for the debt collection and debt purchase industry. It may also be useful to seek some legal guidance. A good starting point can be through contacting Citizens Advice for information and guidance regarding your consumer rights in relation to this matter. Citizens Advice can be contacted on 0800 144 8848 or by visiting www.citizensadvice.org.uk. Does the above alter anything ??
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Thanks dx for your reply and pretty much confirming what I thought. Your right I believe they are scamming Students left right and centre they accidentally sent my daughter the details of 2 other students they are chasing with all their personal information, lovely breach of data protection but like you say there is probably 1000’s more. I cannot believe they are not part of the Fca . I will get a strongly worded letter drafted today. I have always maintained if they show me proof of the debt in detail I would quite happily pay however they won’t and probably don’t want to show they are re selling the utility allegedly.
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Thank you for re opening After nearly 12 months they have been back in touch via Email which was sent last Thursday threatening to send someone round if she had not been in touch in 7 days followed by a letter which received yesterday dated the 8th June saying same thing. The debt collectors from Huddle have today been to my address and my Daughters complete with body cams etc If i was in they would have been told where to go, I am sure there used to be a letter to give them. Thx
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Update to my original post after clarity from my daughter. Its not the letting agency sending her the emails it’s another company who are utility contractors. She has checked her Credit report and nothing is logged. Second you're right about the guarantors which was my wife but that was with the letting agent which I don’t think was used against the 3rd party utility contractor.
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My daughter left university 4 years ago and is been chased for an old utility bill of £500 from her letting agent. During her final year she paid the bills monthly at the requested amount of the letting agent never missing payment however at the end of the contract they sent a bill for the outstanding balance as they claimed they had used more than they had paid. At the time there 4 students sharing and to my knowledge were all asked for the same amount so 2k. As a result we asked for proof of underpayment which after a lot of emails the agent sent a copy of a bill with all the figures crossed out which I replied was not good enough proof. After 4 years they have decided to proceed and try and get payment and have applied to take the amount through her wages. They have paid £40 to do a search to find out where she works. Also they said they are applying through the court to get the money. Can someone give me any advice. My annoyance with this is they can do this to every student and how many just pay so I’m disputing it until we have proof which I am sure we have a right to ask. R.