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    • leicesterlee
    • By leicesterlee 29th Jan 18, 9:01 PM
    • 6Posts
    • 0Thanks
    leicesterlee
    CCJ on my file
    • #1
    • 29th Jan 18, 9:01 PM
    CCJ on my file 29th Jan 18 at 9:01 PM
    Hi guys, newbie here and really need some help.

    I moved out the house which my partner owned July 2015. She still lives there I believe. I checked my credit file last week and I have a CCJ on it from Welsh Water.

    I have spoken to Welsh Water and explained to them that I moved out on the above date and can you tell me the dates for this debt. They told me it was from March 2016 to March 2018 and we have both been given a CCJ for 1,200.

    I explained I wasn't living there at those times and even offered my Bank statements showing I was paying Welsh Water at my new flat. The basically said "do one"

    I knew nothing about this at all and wasn't living there at these periods, which I can prove.

    Is there anything I can do?

    Please help...Thanks in advance.
Page 1
    • DCFC79
    • By DCFC79 29th Jan 18, 9:11 PM
    • 32,958 Posts
    • 20,750 Thanks
    DCFC79
    • #2
    • 29th Jan 18, 9:11 PM
    • #2
    • 29th Jan 18, 9:11 PM
    Write to them, send a copy of the proof you have.

    Contact the reference agency and dispute the CCJ, contact the other 2 agencies and dispute it if its on there ?
    • tenchy
    • By tenchy 29th Jan 18, 9:17 PM
    • 360 Posts
    • 114 Thanks
    tenchy
    • #3
    • 29th Jan 18, 9:17 PM
    • #3
    • 29th Jan 18, 9:17 PM
    How did Welsh Water get your name?
    • bazzyb
    • By bazzyb 29th Jan 18, 9:20 PM
    • 1,213 Posts
    • 3,286 Thanks
    bazzyb
    • #4
    • 29th Jan 18, 9:20 PM
    • #4
    • 29th Jan 18, 9:20 PM
    If the CCJ has been issued against you, you would need to get it set aside before it can be removed from your credit files. If you have evidence that you weren't living there (and therefore wouldn't have received any notification/correspondence regarding this) then it should be relatively straight forward. Speak to a clerk at the court which issued the CCJ who will explain which form you need to complete.
    • nic_c
    • By nic_c 29th Jan 18, 9:24 PM
    • 1,845 Posts
    • 962 Thanks
    nic_c
    • #5
    • 29th Jan 18, 9:24 PM
    • #5
    • 29th Jan 18, 9:24 PM
    were you both on the water bill pre-July 2015? When you moved out of the house, did you inform them you were no longer at the address and needed removing off the bill? If not why?
    • leicesterlee
    • By leicesterlee 29th Jan 18, 9:34 PM
    • 6 Posts
    • 0 Thanks
    leicesterlee
    • #6
    • 29th Jan 18, 9:34 PM
    • #6
    • 29th Jan 18, 9:34 PM
    They said we were both on the account, but I don't recall changing anything, I could be wrong though.
    • leicesterlee
    • By leicesterlee 29th Jan 18, 9:36 PM
    • 6 Posts
    • 0 Thanks
    leicesterlee
    • #7
    • 29th Jan 18, 9:36 PM
    • #7
    • 29th Jan 18, 9:36 PM
    were you both on the water bill pre-July 2015? When you moved out of the house, did you inform them you were no longer at the address and needed removing off the bill? If not why?

    I didn't think of telling the Water I was moving. 1 I never knew it was in joint names. 2 it really was the last thing on my mind to ring Welsh Water up. And 3 I am 99% sure they asked for my previous address when I moved into my new flat.
    • pappa golf
    • By pappa golf 29th Jan 18, 9:39 PM
    • 8,706 Posts
    • 9,310 Thanks
    pappa golf
    • #8
    • 29th Jan 18, 9:39 PM
    • #8
    • 29th Jan 18, 9:39 PM
    can they actually do 2 defaults (different people) for one bill , either one or the other or half the charge

    if you had both have paid they would have taken 2400
    • leicesterlee
    • By leicesterlee 29th Jan 18, 9:45 PM
    • 6 Posts
    • 0 Thanks
    leicesterlee
    • #9
    • 29th Jan 18, 9:45 PM
    • #9
    • 29th Jan 18, 9:45 PM
    can they actually do 2 defaults (different people) for one bill , either one or the other or half the charge

    if you had both have paid they would have taken 2400
    Originally posted by pappa golf
    This is what they told me this morning on the phone
    • tenchy
    • By tenchy 29th Jan 18, 9:47 PM
    • 360 Posts
    • 114 Thanks
    tenchy
    I know it's 'water under the bridge' now, as you might say, as far as the OP is concerned, but the following is good practice:


    Never have utility accounts in joint names.


    When you open a water account never provide the water company with anything other than your surname - no previous address, date of birth, detailed first names, phone number, email or anything else.


    Remember; you don't have a contract with the water company, they are obliged to supply you, and cannot disconnect you.
    • nic_c
    • By nic_c 30th Jan 18, 9:22 AM
    • 1,845 Posts
    • 962 Thanks
    nic_c
    It's not unusual for Water bill to be under joint names, and they will have served it to the last known address.

    You could apply for the CCJ to be set aside, since you have just found out about it - you have to apply within a reasonable amount of time of finding out. There is a cost. The question would then be about the debt and who would be liable.
    • seatbeltnoob
    • By seatbeltnoob 30th Jan 18, 11:26 AM
    • 513 Posts
    • 119 Thanks
    seatbeltnoob
    when you find yourself in the "gaps in the system" it's really hard to reverse it.

    I am surprised OP didn't fix all these loose ends before leaving.

    The problem is with the law itself, the water company needs to supply the house no matter what. So water company is reluctant to remove a name off their billing without getting a replacement name added on.

    otherwise they expose themselves to situation where they have removed a payee for an address but nobody is coming forward to claim that said bill.

    Have experienced this before. You need to clear this up with the next person moving in. When we sold our house we got them to sign the water forms and took a photo of it and made them send us a a proof of postage. For their trouble we were happy to give them a months water for free and set the transition date a month after they moved in.
    Last edited by seatbeltnoob; 30-01-2018 at 11:40 AM.
    • leicesterlee
    • By leicesterlee 11th May 18, 12:42 AM
    • 6 Posts
    • 0 Thanks
    leicesterlee
    An update for you guys.

    Welsh Water have now removed my CCJ as I gave them proof of my new address and they were my water suppliers at that said address. Complete aresholes though.

    Knocked 200 points off my credit file and now its been removed its gone up 3!!!! This is so wrong.
    • leicesterlee
    • By leicesterlee 11th May 18, 12:45 AM
    • 6 Posts
    • 0 Thanks
    leicesterlee
    Just to add, I didn't pay anything to get it set aside, I provided my new address and explained that i gave them my old address at the time. I then told them I was talking to my Solicitor, which I then got a call from them explaining that they had looked into it.
    • Gary_Dexter
    • By Gary_Dexter 11th May 18, 9:27 AM
    • 2,605 Posts
    • 1,469 Thanks
    Gary_Dexter
    Ignore the scores/points/ratings

    The fact that it's gone is a good thing
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