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  • FIRST POST
    • Joshtk
    • By Joshtk 1st Mar 18, 4:40 PM
    • 6Posts
    • 3Thanks
    Joshtk
    20, live with mum,got a water bill, small rant too
    • #1
    • 1st Mar 18, 4:40 PM
    20, live with mum,got a water bill, small rant too 1st Mar 18 at 4:40 PM
    Last month I received a water bill addressed to me of 167 from Thames Water, I'm 20, live with my mum and I'm not on the tenancy agreement as far as I know, my mum (shes a retired nurse, she's 65 this year, just if that provides any helpful info) just told me to ignore it as it was probably a mistake (silly I know), anyway I kept it to see if it would come up on my next Clearscore report, and it did, and has gone down as a negative, which has really annoyed me because as a young person I'm trying to have a nice and clean credit history with no late payments etc, I always pay my credit cards on time and never ever overspend and I have a bit saved up, I've tried to phone them but at the moment they won't accept calls from general inquiries because of the snow.

    I'm quite annoyed and I'm just really wondering if I am responsible for this bill? I have friends older than me who still live at home and they've all got nowhere near as many letters etc about stuff they have to pay, I'm the only one of my friends who pay council tax (76 a month at the moment) and national insurance (and now possible a water bill) and I currently only work less than 20 hours a week (I make around 500 a month) whilst others work full time and haven't been demanded a penny from. And yes before anyone says it, THATS LIFE and all that, but it strongly feels like my friends and other people I know are getting away scott free.

    Anyway I'd really just like to know where I stand on this if anyone can help me, the Clearscore report also states the Thames water account has been open since November of 2016 in my name.

    As far as I know my mum pays the water bill herself but I don't have a clue why I have an account too, just to clarify also, if I am for some reason responsible for this bill I will pay it

    Let me know if you guys need any additional info, and yes I will be phoning Thames water as soon as possible
    Thanks

    ALSO I do pay my mum 'rent' of a 1/3 of whatever my paycheck is every month ranging from around 150-185 every month just in case you think I don't contribute )
    Last edited by Joshtk; 01-03-2018 at 4:46 PM.
Page 1
    • GwylimT
    • By GwylimT 1st Mar 18, 4:42 PM
    • 6,113 Posts
    • 11,520 Thanks
    GwylimT
    • #2
    • 1st Mar 18, 4:42 PM
    • #2
    • 1st Mar 18, 4:42 PM
    I take it don!!!8217;t use any water?
    • PasturesNew
    • By PasturesNew 1st Mar 18, 4:42 PM
    • 62,497 Posts
    • 366,104 Thanks
    PasturesNew
    • #3
    • 1st Mar 18, 4:42 PM
    • #3
    • 1st Mar 18, 4:42 PM
    A bill comes to a house. One house, one bill.
    You need to get out mum's bills and your one then phone the water company.
    There's no separate "your bill" - one bill to be paid .... so have mum's bills stopped? If mum's bill stopped and your name's now on the bills, phone them up to ask why/how and get it changed back.
    • JJ Egan
    • By JJ Egan 1st Mar 18, 4:44 PM
    • 10,449 Posts
    • 4,395 Thanks
    JJ Egan
    • #4
    • 1st Mar 18, 4:44 PM
    • #4
    • 1st Mar 18, 4:44 PM
    Never ignore a debt contact the company before its referred on .

    Checkout who actually pays the water bill for the address you live at before anything .
    • Joshtk
    • By Joshtk 1st Mar 18, 4:50 PM
    • 6 Posts
    • 3 Thanks
    Joshtk
    • #5
    • 1st Mar 18, 4:50 PM
    • #5
    • 1st Mar 18, 4:50 PM
    A good point, I haven't seen a water bill for a good year or so before this one last month
    • Joshtk
    • By Joshtk 1st Mar 18, 4:52 PM
    • 6 Posts
    • 3 Thanks
    Joshtk
    • #6
    • 1st Mar 18, 4:52 PM
    • #6
    • 1st Mar 18, 4:52 PM
    A bill comes to a house. One house, one bill.
    You need to get out mum's bills and your one then phone the water company.
    There's no separate "your bill" - one bill to be paid .... so have mum's bills stopped? If mum's bill stopped and your name's now on the bills, phone them up to ask why/how and get it changed back.
    Originally posted by PasturesNew
    A good point, I haven't seen a water bill for a good year or so before this one last month
    • Joshtk
    • By Joshtk 1st Mar 18, 4:53 PM
    • 6 Posts
    • 3 Thanks
    Joshtk
    • #7
    • 1st Mar 18, 4:53 PM
    • #7
    • 1st Mar 18, 4:53 PM
    I take it don!!!8217;t use any water?
    Originally posted by GwylimT
    Nahh i died of dehydration 6 years ago
    • Norman Castle
    • By Norman Castle 1st Mar 18, 4:55 PM
    • 6,963 Posts
    • 5,729 Thanks
    Norman Castle
    • #8
    • 1st Mar 18, 4:55 PM
    • #8
    • 1st Mar 18, 4:55 PM
    I'm the only one of my friends who pay council tax (76 a month at the moment) and national insurance (and now possible a water bill)
    Originally posted by Joshtk
    Do you and your mother pay separate council tax bills? There should only be one bill which covers all occupants. If you pay separate bills your home may be incorrectly registered as two properties hence the separate water bill.
    Don't harass a hippie. You'll get bad karma.

    Never trust a newbie with a rtb tale.
    • Joshtk
    • By Joshtk 1st Mar 18, 4:59 PM
    • 6 Posts
    • 3 Thanks
    Joshtk
    • #9
    • 1st Mar 18, 4:59 PM
    • #9
    • 1st Mar 18, 4:59 PM
    Do you and your mother pay separate council tax bills? There should only be one bill which covers all occupants. If you pay separate bills your home may be incorrectly registered as two properties hence the separate water bill.
    Originally posted by Norman Castle
    ah no its all in one bill, i just found out how much I personally need to pay by phoning the council and then give that to my mum every month along with my 'rent', thanks for the reply though
    • dogshome
    • By dogshome 2nd Mar 18, 8:08 AM
    • 3,024 Posts
    • 1,539 Thanks
    dogshome
    The OP pays 76 a month Council Tax ?

    a) Is this just a contribution given to Mum towards her bill ?
    or
    b) The bill is addressed directly to the OP as the householder.?

    If the answer is ( b ), then the reason why the Water Co are billing her is that she is registered as head of the household
    • Cardew
    • By Cardew 2nd Mar 18, 9:37 AM
    • 27,336 Posts
    • 13,378 Thanks
    Cardew
    ah no its all in one bill, i just found out how much I personally need to pay by phoning the council and then give that to my mum every month along with my 'rent', thanks for the reply though
    Originally posted by Joshtk
    I suspect the council mean that if your mother lived alone she would get a 25% reduction in council tax. - and possibly other reductions dependant on he income.
    • marliepanda
    • By marliepanda 2nd Mar 18, 9:58 AM
    • 5,635 Posts
    • 11,847 Thanks
    marliepanda
    ah no its all in one bill, i just found out how much I personally need to pay by phoning the council and then give that to my mum every month along with my 'rent', thanks for the reply though
    Originally posted by Joshtk
    I mean that simply not a thing. Council tax is charged on a property. The council don't care if 2 people live there or if 200 people live there. There is no 'your mum pays this and you pay that...'

    How did the water company get your name? Who paid the water bills before now?
    • tenchy
    • By tenchy 4th Mar 18, 6:27 PM
    • 360 Posts
    • 113 Thanks
    tenchy
    I mean that simply not a thing. Council tax is charged on a property. The council don't care if 2 people live there or if 200 people live there. There is no 'your mum pays this and you pay that...'

    How did the water company get your name? Who paid the water bills before now?
    Originally posted by marliepanda

    They could have contacted the credit reference agency they report accounts to, to ascertain who at the address in question has the fattest file, and then assume this person is responsible for the water bill. The water companies have form for this. Thames Water have engaged in this questionable practice in the past. The OP should look into this and perhaps take up the matter with the ICO.


    Remember also that you don't have a contract with the water company and you don't authorise them to access your credit files. They just do it anyway - another one to complain to the ICO about.
    • jimjames
    • By jimjames 12th Mar 18, 1:41 PM
    • 12,588 Posts
    • 11,238 Thanks
    jimjames
    I'm quite annoyed and I'm just really wondering if I am responsible for this bill?

    As far as I know my mum pays the water bill herself but I don't have a clue why I have an account too, just to clarify also, if I am for some reason responsible for this bill I will pay it
    Originally posted by Joshtk
    Yes you are responsible for this bill - it's in your name so the advice to ignore was stupid as you've now found out. The bill might be incorrect though so you should certainly query it.

    Before you do so though it would make sense to actually ask your mum. Assuming she pays it isn't really a good idea, you need to know for sure so you can clear the matter up. But as above there should only be 1 bill for a property, different bills are not sent to different people.
    Remember the saying: if it looks too good to be true it almost certainly is.
    • macman
    • By macman 12th Mar 18, 4:45 PM
    • 41,894 Posts
    • 17,379 Thanks
    macman
    ah no its all in one bill, i just found out how much I personally need to pay by phoning the council and then give that to my mum every month along with my 'rent', thanks for the reply though
    Originally posted by Joshtk
    CT is levied on the property, not on an individual. Your mum is the billpayer, How you you then divide the bill up between you/contribute to it is purely between you and her.
    Water is the same. Why haven't you discussed this with your mum instead of just ignoring it? If her account is somehow in arrears then it is possible that your name has been picked up as the new occupier. Is she not still paying it monthly by DD? If so, where are those payments being credited to?
    NI has nothing to do with hours worked: you pay NI once your earnings reach 157pw. If your 'full time' friends are not paying it, they are either on a very low and illegal wage, or they are doing cash in hand jobs. But, since it's deducted at source, they probably are already paying it.
    It's admirable that you do make a decent contribution to the bills already: when you finally leave home and have to pay all the bills yourself, you will get far less of a shock than your friends, when they have to pay rent, CT, gas, electricity, water, phone, transort, insurance etc themselves, instead of being subsidised by the bank of mum and dad.
    Last edited by macman; 12-03-2018 at 4:57 PM.
    No free lunch, and no free laptop
    • Chickabiddybex
    • By Chickabiddybex 12th Mar 18, 4:53 PM
    • 1,295 Posts
    • 1,605 Thanks
    Chickabiddybex
    Because you mentioned paying National Insurance it's worth checking you're paying the right amount for what you earn: https://www.moneysavingexpert.com/tax-calculator/

    Sometimes people are on the wrong tax code. When I first started working I was on the wrong tax code and it was up to me to notice and rectify it!
    Hi. I'm a Board Guide on the Gaming, Consumer Rights, Ebay and Praise/Vent boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com (it's not part of my role to deal with abuse). Any views are mine and not the official line of MoneySavingExpert.com
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