Just been visited by HCEO CCJ water bill

[king100]

Hi

 

Just had a visit from a HCEO over a water debt that went to court and a CCJ was awareded.

 

Initial debt was £715,45 as of Nov 2019

 

17th December the debt has risen to £933.20 with Compliance Fee of £90

7 Jan 2020 Debt risen to £1154.50 apparently a visit, but no paperwork was left.

 

Paperwork left today £1750.94

 

Not my debt - partners debt

 

They did not come in.

 

Initially when I found it was passed to Marstons, I called anglian water asking them to transfer it back and I would settle the balance, they said they couldent.

 

Do they ever pass it back to the creditor? How long will this take?

 

Are the fee correct as not had a breakdown.

 

Suggestions on what to do?

 

Edited January 23, 2020 by king100

[Andyorch]

Is there a genuine reason why the water rates were not paid ? Is there any particular reason why the claim was not defended ?  Any reason why an N245 was not submitted to agree a payment plan ?

 

Andy.

 

Topic title amended

[king100]

She had questioned the bills on numerous occasions as being so high. I thought she was dealing with it and at least paying something.

 

She just buried head in the sand.

 

Only found about it as got another for water rates, so I called up and paid that off before court action.

 

This CCJ is a a few years old i believe.

 

Again buried her head in sand and chose to ignore it.

Edited January 23, 2020 by king100

[Andyorch]

Expensive practice this burying head in sand..turns a £700.00 debt into  £1750.00

[king100]

She cant afford to pay it anyway, she has no job.

 

Will it ever go back to creditor who has the CCJ and how much worse can it get?

[brassnecked]

Are you still at the same address? as it's civil, the HCEO has no right of entry but might try to |Take Control of goods outside like a car, are you on any benefits?  that would help if you wanted to fill in an N245 to vary the payment and Stay the HCEO.

[king100]

Yes still at same address, car (in my name) is parked on a road and the CCJ is in her name.

 

I work full time - not married - she doesnt work and only claims child benefits and working tax credits. 2 Dependents.

 

Go down the N245 to suspend the warrant and or reduction in the instalment order? Both 1st one or 2nd one.

[Andyorch]

Both......as an aside are you on a water meter ...consider if not. Also If you are on certain benefits, you can get a third party deduction on a scheme called Waterdirect. This means the Department for Work and Pension pays something from your benefits directly to the water company. The water company may ask for this is if all other ways of paying haven’t worked.

[king100]

Thanks Andyorch will get her to fill in the details

 

Also are the fees wrong?

 

1st Letter was £715 then 2 weeks later Debt was £833 plus £90 compliance fee Total £923.35

 

£190 1st Enforcement - no proof as I work from home and was in the day he said he came

£495 2nd Enforcement

 

I make it £1490 not £1750

 

What fees am I missing?

 

 

 

Edited January 23, 2020 by king100

[Andyorch]

Well when you complete the N245 it will want the judgment claim number and amount.....not the enforcement fees.Your partner could be exempt from the N245 fee if on certain benefits..the fee is normally £50.

[king100]

I can pay those fees, get it in quicker.

[Andyorch]

 fees will be added to your debt when a court bailiff is involved.

• £75 will be added to your debt when the initial ‘Notice of enforcement’ letter is sent
• £235 +7.5% of the debt’s value over £1,500 will be added when the bailiff makes their first visit
• £110 +7.5% of the debt’s value over £1,500 will be added if the bailiff comes back to remove your goods

 

HCEO

 

Type of fees	Fixed fee	Percentage extra you’II pay for debts over £1,000
Writing to you about your debt       (called ‘compliance’)	£75	None
Visiting your home                             (called ‘enforcement 1’)	£190	7.5 %
If you didn't make or didn't keep an agreement                                        (called ‘enforcement 2’)	£495	None
Taking and selling your belongings (called 'sale')	£525	7.5 %

[king100]

I thought that HCEO acting on a CCJ get to charge more?

 

So are you saying that he can only charge £75+VAT Notice and £235+VAT for 1st visit, what about any other visits?

[dx100uk]

not if the org debt was under £1500 no.

 

dx

 

[king100]

Think original debt is about £700

[dx100uk]

exactly

as andy said...trying to fleece you as they always  do.

[brassnecked]

What HCEO company is this, those fees are over the top on a £700 debt, also move your car away, as they will take it as you are partners and grab it if they think its based at same address.