Verify that you need to spend a debt

Verify that you need to spend a debt

Challenging a water services bill

You should contact your water company and explain why you think it’s incorrect if you believe your bill is incorrect. You need to be capable of finding their contact information in your bill.

You can complain about your water company if you’re not happy with your water company’s response.

You’re not liable for a water bill, or if your bill is too high, check if you think:

  • You used to live when you moved into and out of the property, if the bill is for somewhere
  • if as soon as you told your water business you had been moving, in the event that bill is actually for someplace you utilized to reside
  • for almost any leakages, as part of your property or outside, for those who have a water meter

If you have been contacted of a tax or benefit credit overpayment

You have been told you’ve been overpaid because of an error, or because some details about you was incorrect once the advantage choice ended up being made.

Uncover what to complete in the event that you’ve been told:

When you yourself have home loan arrears

If you finalized the home loan contract you will be responsible for any home loan arrears. If you finalized the contract with another person you will be jointly responsible for any arrears.

You’re going to miss a mortgage payment, you should talk to your mortgage company as soon as possible if you know. You might lose your property in the event that you skip mortgage repayments.

In the event that you speak to your home loan business they may enable you to lower your repayments and take a rest from repayments for some time. Talk with them when you can to start out working with home loan arrears.

In the event your home ended up being repossessed and also you continue to have home loan arrears

Check out the date the house ended up being offered, and also the date you last made a repayment towards the home loan business.

Your home loan business has got to contact you within 6 several years of the homely household on the market to inquire of you to definitely repay any arrears. When they don’t, you will possibly not need to pay. In the event that you’ve been contacted about home loan arrears from a residential property sold significantly more than 6 years back, you need to speak to your nearest Citizens guidance.

In the event that you’ve been contacted about home loan arrears from a house offered within the last few 6 years, it’ll often be as you owe cash on the primary amount of the home loan (the administrative centre).

Keep in touch with the mortgage company to set up to spend the arrears. In the event that you don’t, they will have 12 years through the date you missed a repayment to just take one to court.

About interest you owe and you don’t arrange to pay, they only have 6 years to take you to court if they contact you.

When they don’t act inside the time frame, your mortgage company can’t take you to definitely court to pay for the funds right back.

If you’ve got a credit financial obligation

In the event that you finalized a credit contract you are going to often result in repaying the credit card debt. You’re maybe maybe not in charge of a financial obligation you didn’t sign the agreement if you’re not mentioned on the credit agreement or. As an example, you are an authorised cardholder that is additional a bank card but as you aren’t the primary cardholder and didn’t signal the credit contract, you’re not in charge of your debt.

Credit card debt, or ‘borrowed money’, includes:

  • charge cards
  • loans and loans that are payday
  • overdrafts
  • shop cards
  • items purchased on hire purchase

If you borrow funds or items in this way, what the law states that protects your legal rights is named the buyer Credit Act.

If your creditor hasn’t contacted you about an unsecured debt inside the 6 12 months time period limit they can’t force one to repay it. In addition they can’t force one to spend if there have been issues with the initial contract, as an example should they didn’t through the right information on the way the cash could be reimbursed.