Jump to content


  • Tweets

  • Posts

    • 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?  
  • Our picks

Debtmountain

Debt Mountain's Missus Versus Lloyds TSB Credit Cards X 2.

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3572 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Sent a recorded delivery letter on 4th December to the Copy Statement Unit listed in the contact details thread under the D.P.A., but nothing is showing up with Royal Mail on their website. I even phoned Royal Mail and they said they had absolutely no trace of it. Has anyone else had a problem sending mail to this address? Does this Copy Statement Unit have a phone number?

Share this post


Link to post
Share on other sites

Hi, Debtmountain.

 

Spotted this in a thread...

 

"I received my reply and copy statements from the copy statement unit, Swallow Street, Birmingham".

 

Looks like it does exist.

 

Also found this......

 

"I had the same problem, the first copy (charges only) came from the copy statement unit, Birmingham'; but in the end I actually got my statements going back to 1997 from my local branch, but only by ringing the Customer Service Recovery Centre, Andover -01264-725214".

 

Hope this helps.

 

Regards.

 

Scott.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Share this post


Link to post
Share on other sites

Do you claim back the £10 S.A.R. fee with the charges in your precourt letters or can you only claim that back if it actually gets to court?

Share this post


Link to post
Share on other sites

Hi, Debtmountain.

 

You claim back the S.A.R. Fee at the court stage.

 

A tenner's a Tenner ;)

 

Regards.

 

Scott.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Share this post


Link to post
Share on other sites

One set of statements received. They seem to have 'difficulty' locating the closed account that had a lot of charges on it. They also pretend to not know what a S.A.R. is. Isn't that always the way? Hmmm. Will update after their deadline expires.

Share this post


Link to post
Share on other sites

Lloyds are crafty as a bag of spanners ;-) They paid me the amount of charges I was claiming but only added about £4 interest which I calculated at around £200 and then tried to make out they'd settled the claim.

Watch out for every trick they can possibly find. Just makes it more satisfying when you win though :-)

Share this post


Link to post
Share on other sites

Good luck.....:) .

 

 

 


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Share this post


Link to post
Share on other sites

Realised we only had 5 years worth of statements. We reminded them we wanted 6 years worth of statements. They agreed, but we are still waiting. Going to the ICO soon.

Share this post


Link to post
Share on other sites

Keep at them ;)


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Share this post


Link to post
Share on other sites

After a long battle with the I.C.O. we finally got the statements through over a year late. Firstly, are credit card claims still good to go? Secondly, could we sue them for not providing the statements on time? We would like to. All correspondence with the I.C.O. and Lloyds, including their grovelling letter of apology, has been retained.

Edited by Debtmountain

Share this post


Link to post
Share on other sites
After a long battle with the I.C.O. we finally got the statements through over a year late. Firstly, are credit card claims still good to go? Secondly, could we sue them for not providing the statements on time? We would like to. All correspondence with the I.C.O. and Lloyds, including their grovelling letter of apology, has been retained.

 

Forgetting the issue of suing them, are credit claims still good to go or not? Any advice appreciated.

Share this post


Link to post
Share on other sites

got my sar for cc then added up all my charges 540 + 8% and got all back

keep at them they will pay up................. shame about bank charges they are over 3k bar humbug

Share this post


Link to post
Share on other sites

look in library my friend theres one there and adapt it to your circumstances

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...