Regal credit CCJ warrant of execution

[daviton]

hey guys

 

just received a letter off regal credit stating owe Northumbrian water £774 for an address I have not lived in for 4 years

 

letter states

 

with a CCJ already against you we propose to take legal action without further notice

 

we will apply for a warrant of execution ect ect

 

ends with to prevent legal action it is vital you pay in full immediately .

 

..I don't aknowledge this bill

 

I don't owe this money and have told the waterboard I have not lived at this address for years

 

when I did live there my bill was paid by deductions from my DSS.

 

.i have a very serious medical condition,

(so serious thet even the police cannot speak to me without an appropriate adult present)

 

now if a bailiff turns up at my home it would cause me such stress t

hat I would have to be hospitalised

 

any advice on this matter would be very helpful.

[dx100uk]

doesn't sound right to me.

 

can you go get your credit file [noddle is free see below]

 

if the water company 'did' get a CCJ

its for them to enforce it not a stupid no powers DCA

which regal are.

 

 

can you scan up that letter please

 

**you can post up images/letters by this method immediately..you don't need 10 posts**

.

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

************************* ************************* ***********

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

http://www.convert-jpg-to-pdf.net/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though DONT USE BANK NAMES or CAG in the title

i'e Default notice DD-mm-yyyy

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

...

YOU DONT have to put a link to the attachment in the msg box..just upload it ..job done

you can click on your links to check them too!

.

dx

[daviton]

hi here is the document you requested best I can do on my phone.

[dx100uk]

you'll need to PDF it

 

dx

[ramsay2014]

i cant read it?

[daviton]

hope this one works guys

[dx100uk]

well that all looks real to me sorry

 

so did you know anything about the CCJ

 

get letters

get claim form

get judgement.

 

paperwork.

 

is this on your credit file?

 

can you not cantact DWP and confirm the water was paid.

 

unless you KNOW it was water mind

 

don't forget the CTAX is all that's paid if you get HB

[daviton]

you say my ccj looks legit,

 

I have contacted the waterboard on many occasions to tell them I didn't live at that address at the time of the bill,

 

also apparently I was sent to court whilst I was in a mental health institution according to them if their dates are correct

 

so do you suggest I simply pay the ccj I

 

have had no opportunity to defend this at all

 

and when phoned the waterboard they where very unhelpful.

[Sidewinder]

As DX said you need to go through the process of getting the documents. Contact the Water Company and ask for copies of all correspondence - the bills which weren't paid, a statement of the account, copies of any letters before action and details of when the CCJ was obtained and through which Court - you may need to do this via a SAR.

 

Once you have that (and the Court paperwork is the most important in the first instance) you will need to get the CCJ set aside on the grounds that you never received the paperwork and you believe that you were not liable for the debt - if the statements etc can prove that.

 

In the meantime you should write to (not phone - they are nasty and won't listen to you anyway) Regal and tell them that you are in the process of applying for the CCJ to be set aside and you are dealing directly with the water company, and any enforcement action by them should be put on hold pending this, otherwise they may well go for the Warrant in any case and you will then have that to deal with.

[dx100uk]

being in hospital does not mean you are not due to pay the water bill sadly.

 

HOWEVER IF you had already moved out, then that's a diff matter.

you owe NOWT get that CCJ set aside

 

I am not saying the CCJ looks legit.

 

I am saying that letter, is legit, and the process they describe, is correct.

 

so, lets get this straight

 

the time period of the bill that the CCj covers

you had already moved out

 

if so, perfect , the CCJ will easily be set aside

 

dx