Re: debt settlement payoff

by Scarlet Tiger Fri Nov 10, 2023 9:15 am

Standing my ground. I haven't taken photo copies of the paperwork, how important is this?
Do I send the CEO one last letter or do I send an actual notice?
Thanks!

by Scarlet Tiger Mon Nov 13, 2023 1:46 pm

Hi, not sure what to do now, it's all gone quiet since the Letter Before Court.
The CEO hasn't returned my letter.

by **daveiron** Mon Nov 13, 2023 9:54 pm

I would send a DSAR not only to water company but also to every parasite who has involved themselves in this. You want to show the papertrail
because you failed to copy all paperwork (dont make that mistake again) .

If they continue ,your defence should be that you have offered on xx occasions to settle the matter ,but every offer has been ignored by
(then list every department and agent ) You have never refused to pay ,but offered to pay what you could afford ,why are they wasting the
courts time ?

by Scarlet Tiger Tue Nov 14, 2023 9:38 am

Do I send each company a letter asking for all the correspondence between the company (parasite)
and myself in the last 3 months for example? Thanks Daveiron

by **daveiron** Tue Nov 14, 2023 9:37 pm

No. Send to each company ,tell them its a Data Subject Access Request ,you require ALL data they hold on you.

by Scarlet Tiger Sat Nov 18, 2023 3:09 pm

I've written to UKSearch and Southern water with a Data Subject Request.
The Letter Before Court says 'It is at UKSearch Limited's discretion on behalf of Southern Water Services Ltd as to whether any payment proposal will be accepted.'
Do I send a final settlement offer to UKSearch as I have up to now being sending it to Southern Water? I did this because UKSearch told me they had not purchased the debt.
Obviously worried now that they won't reply with the Data Access in time for the 30 day deadline of the LBC.

by **daveiron** Sat Nov 18, 2023 8:39 pm

I would ignore UK Search,they are only 3rd party interlopers,its none of their business.

So what are the water company going to tell the court ; 'We were offered settlement on x occasions but decided to waste the courts time by ignoring the offers'

Get something along those lines in a letter and send recorded delivery to water company.

by Scarlet Tiger Tue Nov 21, 2023 2:48 pm

Thanks daveiron. I haven’t put the letter together yet, Southern Water contacted today.
A member of the Executive Review Team responded on the CEO’s behalf.
It says ‘I have checked through your correspondence with us and looked at your account history.
A summary of my investigation is included on the enclosed document.’
The enclosed document says ‘We are unable to accept your offer, as the balance on your
account has been passed to UKSearch Litigation.’

No mention of my Data Access Request.

So I have 2 debt balances with UKSearch, one of them I have a payment plan with
and I made the mistake of not keeping up with the payments during all this correspondence
because they kept putting the account on hold for two weeks.

They say they have replied to my letters and have included a copy of the replies,
only two replies I’ve sent four letters plus the Data Access Request.

The strange thing is (and something I missed on one of their replies) is that at the
end of the letter it said ‘ Please confirm the exact vacation date so that we can close your
account on that date. On receipt of this we will update the account accordingly. ‘
I never mentioned a vacation although I’d like one.

by **Lopsum** Tue Nov 21, 2023 3:49 pm

what does it say to do in the process you are following? ie if they reply but the response doesnot satisfy your notices requiring the info to prove the debt?

by Scarlet Tiger Tue Nov 21, 2023 4:11 pm

Thanks Lopsum, what I did was offer them full and final payment, not sure what the process is after they keep responding
in such a way, I suppose it means they don’t accept and want me on a payment plan. They want me to deal with the debt collector
who apparently is acting on there behalf and has not purchased the debt.

by **Lopsum** Tue Nov 21, 2023 4:28 pm

ahh, sorry i miss read i thought you had sent the notices. We dont have templates for paying here, im sure you will find examples on the internet.
a minimum payment that would be ordered by a court could be a very small payment like £5 per month if you dont have much to live off so they are shooting themselves in the foot by refusing offers. They just want you to buckle and pay up more for an easy life.
please upload the responses you have had including the threat of court remember to redact any personal info.

by Scarlet Tiger Tue Nov 21, 2023 5:25 pm

Thanks Lopsum, I've tried one attachment, more to follow.

Attachments

: Image (8).jpg You don't have permission to download attachments.(339 Kb) Downloaded 10 times

by Scarlet Tiger Tue Nov 21, 2023 5:29 pm

more attachments

Attachments

: Image (9).jpg You don't have permission to download attachments.(319 Kb) Downloaded 7 times

: Image (3).jpg You don't have permission to download attachments.(359 Kb) Downloaded 5 times

: Image (5).jpg You don't have permission to download attachments.(335 Kb) Downloaded 7 times

: Image (6).jpg You don't have permission to download attachments.(240 Kb) Downloaded 5 times

: Image (7).jpg You don't have permission to download attachments.(254 Kb) Downloaded 5 times

: Image (4).jpg You don't have permission to download attachments.(421 Kb) Downloaded 9 times

by **Lopsum** Wed Nov 22, 2023 12:16 am

it would be easier to ask them to prove the debt exists if they want full payment , otherwise your offer stands but if they pursue court you will fight for the minimum and the right not to pay in installments. asking to pay less is like waving a steak infront of a greedy dog and asking it to accept the scraps.

by Scarlet Tiger Wed Nov 22, 2023 7:49 am

Thanks Lopsum, I’m a bit confused, I’m just so weary of this but I really don’t want to pay all of it, could I
offer the debt company the same full and final payment? I know they are probably lying about not purchasing the debt
but that’s up to them, I know Southern Water are just as bad probably, but I have no faith in the courts and really don’t
want anything to do with that side of things, I know they will all bring themselves down eventually if they are behaving
wrongly.

by **Lopsum** Wed Nov 22, 2023 9:17 am

well good luck with that. We dont have a process for it so your on your own im afraid.

by Scarlet Tiger Fri Nov 24, 2023 9:55 am

I did the 3 letter process for one of the accounts owing, they returned by saying they hadn’t purchased the debt.
I didn’t know about the process for not purchasing the debt, so I arranged a payment plan because of a court threat.
Now things have changed for me and I just want to clear this up without having to pay the full wack.
I am having to leave where I have lived for 25 years and do not want to be pursued by parasites.
You guys have been the saving grace in all of this, I’ve been in since the earliest Mary Croft days and have used
the processes to great effect. Knowing there has been someone to ask that knows more than me has been crucial
for my sanity and I thank you all, if I can support you guys in any way please let me know.

by Scarlet Tiger Mon Jan 15, 2024 11:02 am

Hi, can anyone help here?
I have been sent a Claim Form.
I was sent a Letter Before Court which I responded to with an offer, the debt company responded
with a higher offer which I accepted and paid.
I have two accounts with the debt company from Southern Water.
The debt company asked me to send an offer for the second account that they would pass
on to Southern Water.
The offer for the second account has seemingly been ignored as I have now been sent a Claim Form
with no prior warning for the settled account.
Can anyone work out was has happened here, thanks!

by Scarlet Tiger Mon Jan 15, 2024 11:41 am

So they have sent me a Claim Form for the first account with interest added + court fees etc.
On the Claim Form it has a different claim number than the claim number attached to a Notice of Change which states
the claim has now been settled.
So I have been sent a Claim Form with a different Claim Number which is the same account as the one I have settled
and they have not yet responded to my offer for the second account.
Is this an admin error, do I phone the debt company or is there a better solution? Thanks!

by **Lopsum** Mon Jan 15, 2024 11:51 am

what is the time period for the unsettled account?

by Scarlet Tiger Mon Jan 15, 2024 1:13 pm

The unsettled account (account 2)has been running for a a number of years, I was on a payment plan for the 1st account
which is now supposedly settled and so they left me alone with the other account, occasionally sending me demands which
I replied saying I was already paying all I could with the payment plan.
The offer of a final settlement for the 2nd account was made on the 10th Dec 23, with no reply to this date for the offer, I expected
the reply to take time as they said they would refer the offer to Southern Water. However a Claim Form has arrived for the 1st ‘settled’ account, for which I have confirmation of settlement, and this comes with a different Claim Number.

by **Lopsum** Mon Jan 15, 2024 1:17 pm

what is the number of years though?

by Scarlet Tiger Mon Jan 15, 2024 2:05 pm

The first mention of a second account was November 2019

by **Lopsum** Mon Jan 15, 2024 3:16 pm

you cant answer the simplest of questions?

by **Lopsum** Mon Jan 15, 2024 3:17 pm

oh well never mind you have been paying it so it wont be statute barred...

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