Unknown CCJ found - Old address issued at (6 years plus)

DiamondLil

I had trouble dealing with Thames Water recently. Got so fed up with the merry-go-round that is their customer service, I emailed the then CEO directly. I received a phone call from her office less than an hour later.

The current CEO is Mr. Chris Weston; his email address is: chris.weston@thameswater.co.uk

sourcrates

How much is the debt they are allegedly chasing?

Must be over £600 to be transferred to the high court.

If this threat is carried out and HCEO`s appear on your doorstep prior to this finding a resolution, do not allow them access to your property, keeps doors locked, they can enter peacefully through an unlocked door, but can do little else if you deny them access.

Show them copies of your letters through the window, and advise a set aside is in progress, do not engage further with them after that.

Hope you get this sorted out as it would really get my goat if it were me.

AdmiralMack

Thank you all for contributing and responding to me, it is very much appreciated.

 DiamondLil - The current CEO is Mr. Chris Weston; his email address is: chris.weston@thameswater.co.uk

 @DiamondLil – Thank you, this is very useful to note.  I will try this and see where I get.

 -----------------------------------------------------------------------

sourcrates - How much is the debt they are allegedly chasing?

Must be over £600 to be transferred to the high court.

If this threat is carried out and HCEO`s appear on your doorstep prior to this finding a resolution, do not allow them access to your property, keeps doors locked, they can enter peacefully through an unlocked door, but can do little else if you deny them access.

Show them copies of your letters through the window, and advise a set aside is in progress, do not engage further with them after that.

Hope you get this sorted out as it would really get my goat if it were me.

 @sourcrates – Original unpaid amount was just over 800, when the CCJ was applied it went to just over 1k.

 ------------------------------------------------------------------------

GDB2222 - Given that there is a set aside hearing in the offing, and you have told TM Legal this, and I trust sent them a copy of the application, any Application by them to the High Court would be an abuse of process. That they threaten to do this is oppressive, and so they may be in breach of SRA regulations, apart from them also having a duty to the courts.

I don’t think the court processes are so clever that they would prevent an application to the High Court, though, so there is something to worry about. Frankly, if sheriffs come to the house, just pay them and claim the money back from Thames and TM. 

Have you complained to TM yet? I really think that is your best chance of getting them to stop what looks like an automated process. 

 @GBD2222 – Ill try clarify everything as clear as possible below.

For TM legal I complained originally in writing on 30 Jan.  Here I outlined my issue, explaining I was not the debtor, explained my circumstances and living situation for the last 7 years.  In this complaint, I asked them to explain how this had occurred, how they traced me and what they were going to do about the situation now I had bought this to light. I gave 28 days for them to reply.

To date I have received no acknowledgement or response in writing from TM Legal about my complaint.   I did however get an email from them on 28 Feb where they said my case was with the High Court and pay up.  This tells me they received my letter as they wouldn’t of had my details before.  The email makes no mention of my complaint.

On 03 March I sent a follow up complaint and Subject Access Request to them in writing.  In this letter I explained I have to date received no response in regards to my complaint and requested they do so and reply to me within 28 days.  In this letter I outlined the SRA code of conduct that I expect them to adhere to and follow, I explained that I had since spoken to the claimant who had accepted I was not the debtor and provided them with the reference number and advised that I would be forwarding on the letter from them confirming this when I receive it.

I asked them to cease any attempt to recover the debt due the circumstances raised, asked them to investigate my concerns and explained to them that I am actively engaged with them by contacting them in Jan and now in this letter.  I also included evidence of my living situation , tenancy agreement, council tax, gas/elec bills, correct thames water bills for last 7 years, driving licence showing I have only lived at 1 address all this time and that I am not connected to the rogue address.

I have not yet told them about the N244 application that I have made.  My thinking on this was if I told them straight away it may panic them into escalating my case to get the debt as quick as possible before the judgement is passed.  Do you think this is a mistake?  Should I show this hand now?

The most recent email contact from TM Legal was on Friday saying again about my case is with the high court and pay up.

When I spoke the Civil National Business Centre on Friday they said my N244 was in process and that there were no active writs against me.   So based on TM’s email this must mean either they have applied to the High Court and are awaiting the writ to be issued or, maybe it is a bluff to hurry me up to pay?

I have not received anything in the post from the High Court as of yet to advise any imminent enforcement.   

I contacted both Thames and TM Legal as soon as I became aware of the CCJ, Ive outlined why I have not responded previously (due to never living at the address mentioned) and I why I am not the debtor and asked for them to investigate and respond within a reasonable timeframe.   I would of hoped that at the very least, making myself know and bringing new evidence to light to them would of at least made them put any enforcement on hold and respond to me.

I was going to allow the 28 I gave in my last letter and subject access request to pass before making any further contact.

Do you think I should contact them again and notify them of the N244 and send a copy of that?   

My thinking has been to keep dialogue going long enough for my N244 to be granted, the court advised could be 11 – 15 weeks before a judge.

I hope the above makes sense. 

PLK1985

AdmiralMack said:

Hi all, 

Im trying not spam up threads with the same posts so I’ll try and keep everything really simple as just looking for best course of advice.

Over weekend from checking my credit report I discovered a CCJ:

• Issued – July 2023
• Address showing CCJ issued at – an old address I moved out of in 2017
• Time at current address – 6 years plus
• Court Name: Civil National Business Centre

From spending all weekend researching I was half expecting it to be for one of these private parking firms, however having managed to get through to CNBC this morning on the phone they have confirmed the claimant is Thames Water via a legal firm called TMS Legal Services – Blyth.  I do not have the details of the why the claim was made, just the details of the claimant and their reference number that was all they gave me.

I have been a customer of Thames Water for the last 6 years plus at my current address, I was not a customer of Thames Water before this which is really strange.  I have never missed a payment with Thames Water in the 6 years plus I have lived here and can’t understand why a CCJ would be issued by Thames Water, even more so why an old address of 6 years is on there.

I will be looking to set aside this CCJ with the court and will shortly look to complete the N244 form.   Ive been trawling through the newbie threads and previous posts by people but wanted to clarify the best next steps to take.

My first step was to contact CNBC to get the claimants details, should I call them back to try and get info about the claim itself?

Should I contact the claimant to ask about the claim?  Look to make an SAR? And advise I will be looking to set aside?

Should I go ahead with completing the N244 form and request it is set aside? 

I cant understand why Thames Water would issue a CCJ on me, I wasn’t a customer at that previous address and they could easily trace me to my current address as everything is in my name registered at my current address.  I don’t know what the claim is for and, I haven’t been able to fairly have the chance to defend myself either and the judgement has gone against me.

Do you think before I complete the N244 form I should attempt to get details of the claim and what its about from the claimant?  Im just trying to work out the best reason for requesting it set aside by the judge without bombarding them with lots of different reasons and having my application rejected.

I apologise in advance for any silly questions, am just really keen to make sure i follow everything correctly to give myself the best chance to have this set aside, I cant understand why I would have this issued to me, especially given ive been their customer for nearly 7 years at my current address, even speaking to them on the phone on occasions and they have never mentioned anything about any debt/s.  

For the record i have not been in any financial trouble and have and continue to pay everything on time.  

Hi! Sorry to bring this up again.

I was reading this post at the weekend, and was astonished to find this situation is almost a word for word carbon copy or my own situation which I have just found myself in, including dates and the issuing court.

I would love to pick this up with you separately if that’s possible? 

AdmiralMack

PLK1985 said:

Hi! Sorry to bring this up again.

I was reading this post at the weekend, and was astonished to find this situation is almost a word for word carbon copy or my own situation which I have just found myself in, including dates and the issuing court.

I would love to pick this up with you separately if that’s possible? 

Hi there, case is currently still ongoing although drawing an end.  Court has given me a date of 2 July 2024, the claimant and their solicitors has now instructed the court they will not fight me and asked for the court to allow the matter to be settled.    I have an email from the solictors asking me to sign a consent order that they agree for the court to set my judgement aside and the claimant to pay me £275 in cost of my application and that no further action will arise of this matter

GDB2222

Well done. Good result.

AdmiralMack

PLK1985 said:

Hi! Sorry to bring this up again.

I was reading this post at the weekend, and was astonished to find this situation is almost a word for word carbon copy or my own situation which I have just found myself in, including dates and the issuing court.

I would love to pick this up with you separately if that’s possible? 

How far have you got so far with your application?  Have you got as far as completing the N244 yet?  

AdmiralMack

GDB2222 said:

Well done. Good result.

Thank you and thank you to everyone who has provided help and advice on this thread, its been extremely helpful and I am very grateful.  I will post again once everything is confirmed as finalised and complete.

AdmiralMack

Hi all, 

as promised an update - I went to court, hearing lasted all of 3 mins 😀

judgement set aside and claimant ordered to reimburse me.  CCJ has already been removed from my credit file.  

I suspect getting the 275 I paid back more tricky and expect them to dig their heels in and drag it out for as long as possible

but at least the judgement is done

GDB2222

You have a judgment against a firm with premises and equipment, that are not going bust. The bailiff will have no problems extracting the money. But I don’t think that it will come to that. It seems that you have got through to someone who is handling the case, so you will hopefully just get paid.