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    • p'haps not the best thing to do just use the N244.and the ex160 let them sort it out don't complicate things..   don't worry about the bailiffs there isn't really anything they can do there is no right of forced entry upon consumer debt CCJ enforcement.    
    • again you appear not to be understanding things.....   a default does not go statute barred - as carefully explained in post 4....once it reaches its 6th birthday it along with the associated account will be removed from your file. that happening has no effect on the debt itself. it does not mean it is no owed.    your debt is NOT statute barred it has a CCJ . should the claimant fail to enforce the CCJ by it's 6th birthday, when, as with a default, it falls off your credit file, then they would need to return to court to do so. and again that happening has no effect upon the debt itself.   they both operate under the same ICO rule, quoted as in post 4..   All references to a defaulted debt must be removed from your credit files after 6 years  has passed from date of default, whether paid off, paying now or not.  . This is so that someone who continues paying something  - even after 6 years from default  - should not be at a disadvantage to someone who pays nothing after default  and ends up with a clean file after 6 years. 
    • Pleased to say that the default has gone from my credit report due to being SB. My Experian credit score is now 978 out of 999 and excellent. Experian doesn’t show my 2 x CCJ’s. Equifax’s shows just 1.    my question is this.... clearly the debt is still owed for the SB debt, the CCJ is still live until June next year.   Can I make an offer of 10% to settle the debt now that it’s SB? If so is there a letter template that I can send to them to make such an offer?   thanks in advance 
    • Your position is not untenable in any way. You have already mitigated partially any impending disaster by opening another non Paypal linked bank account so they cannot arbitrarily seize what they want.   First thing to remember you are in control here. Whatever you offer to pay them must be something you can reasonably afford even if its only a pound a week and you must pay it to Paypal. If like me they freeze your account then there is no way you can reasonably pay them. They are not going to give you another account to pay it into.   The reason I got into difficulties with them was because I had recurring large payments being made to a supplier of mine which continued after I was rushed into hospital for series of emergency operations. When I came out of hospital Paypal had simply frozen the account which I discovered when I tried to pay money into it to alleviate the huge deficit that had accrued. So I paid nothing of what I owed. I received about 4 or 5 threatening missives which I ignored as well as any phone calls. I tried for several months to make payments into the account and in the end I gave up. Despite all the threats nothing actually happened.   If you read all the answers to your posting as well as all the other Paypal posts I doubt you will find any evidence of Paypal doing very much to enforce outstanding balances and funnily enough they do not make it easy for those that wish to repay them as I discovered.   So stop getting yourself into a flap over something that is very unlikely to be nothing more than a storm in a tea cup.   Make or start you offer to re-pay them at a figure you can easily afford then forget all about them except to make your regular payment if you can still do so.   DO NOT under any circumstances get yourself deeper into debt over this.
    • she certainly hasn't any authority to 'fine' you. what was in the contract regarding vacating the property by when?  
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thanks for that.still havent heard anything yet,how about you gizmo111.gettting a bit sick of waiting,but nothing i can do i suppose

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thanks for that.still havent heard anything yet,how about you gizmo111.gettting a bit sick of waiting,but nothing i can do i suppose

 

Yeah I am getting a bit fed up now - 28 days is the 24th for me so I am expecting to hear in week - I wouldn't be as lucky for them to not issue a defence!


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The 28 days were up for the natwest on friday but i still havent heard anything.What am i supposed to do now.Have you heard anything yet gizmo.

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The 28 days were up for the NatWest on friday but i still havent heard anything.What am i supposed to do now.Have you heard anything yet gizmo.

 

I haven't heard a thing - but haven't had todays post yet. I guess this is the point where you go to court and ask for judgement - if you issued MCOL you can do it on line.


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I haven't heard a thing - but haven't had todays post yet. I guess this is the point where you go to court and ask for judgement - if you issued MCOL you can do it on line.

 

Nothing in todays post - this is so frustrating.


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i havent had anything today either.does anyone know what i am supposed to do next.

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the 28 days for the reply from the solicitors were up on friday and i still havent heard anything.does anyone know what i am supposed to do next.do i leave it til the end of the week or enter judgement against them.

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i havent had anything today either.does anyone know what i am supposed to do next.

 

apply for judgement


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just before i apply for the judgement i just waqnt to check.is it the 28 days from when it was issued to the bank or 28 days from when they acknowledged it.

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well the 28 days are up for that today.so wot now

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I found this matter a little confusing,when I read my acknowledgement from the court it says, the defendant has 28 days from the date of service of the claim form with particulars of claim.

I read this to mean from the date the court served particulars of claim on the bank, am I wrong then?, would really like to be sure about this because the bank filed two acknowledgements, one dated 10th august, the other dated 17th august.

if it is from when the court served the papers on the bank, the time will be up on monday 4th september


CHRIS WATKINS

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i think it is the time from when the courts served the papers.the 28 days are now up on mine and i have had no reply so will be applying for judgement today.Does anyone know what happens after that.as i havent seen anyone else that has had to do this.

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i think it is the time from when the courts served the papers.the 28 days are now up on mine and i have had no reply so will be applying for judgement today.Does anyone know what happens after that.as i havent seen anyone else that has had to do this.

 

You send the baliffs in - My 28 days are up tomorrow so I will be applying for judgement Friday.


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i have just tried to enter judgement against the bank and it wont let me it said i cant enter judgement yet.why not

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i have just tried to enter judgement against the bank and it wont let me it said i cant enter judgement yet.why not

 

Is this MCOL - what is the date of acknowledgement on there


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it was acknowledged on 25/07 so the 28 days are still up from that date.ill try again today if there is nothing in the post today.have you heard anything yet gizmo

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its normally 28 days from when they acknowledged it.

 

It's 28 days from the day the claim was started. 14 if they don't acknowledge.


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it was acknowledged on 25/07 so the 28 days are still up from that date.ill try again today if there is nothing in the post today.have you heard anything yet gizmo

 

No I haven't - my 28 days is up today - ack on 27th can't understand why you can't get judgement, have you spoke to court cos my calculations make your 28 days up 2 days ago - so you should have been able to get a judgement yesterday.


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im gonna try again this morning if there is nothing in the post today from them.if i can do it and then i hear from them what do i do about the judgement.

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just been onto mcol.they have filed a defence.they are disputing all the money owed to me.it said i will be notified of the court it will be transferred to.im worried now.what should i do

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just been onto mcol.they have filed a defence.they are disputing all the money owed to me.it said i will be notified of the court it will be transferred to.im worried now.what should i do

 

Wait now for a/q. When did they file defence?


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dont be worried mine said they were defending on 17th, still have not heard anything from them or court, seems its par for the course


CHRIS WATKINS

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