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    • 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?  
    • Makes the cost of the battery even worse  
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BLS Credit Security Ltd and me

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My story is this so far. In 2000 i got into substantial debt with my lloyds account, £19500. Since dec 2001 i have been paying BLS each month an agreed payment. In feb this year 2009 i was struggling financially so stopped paying. The payments were reinstated in October 2009. On 17th Dec 2009 Credit security ltd wrote to me asking me to contact me re LLoyds account. (the same account)

My query is what to do next. Bls are receiving payments, although i had not paid for 7 months, and they did not contact me about this.

I am presuming that they have passed this on to ceredit security ltd.

Do i contact credit security ltd and tell them that i am paying BLS or do i cca credit security Ltd ? I am happy to pay the money, just not sure who is handling the account now and dont want to be paying Bls if someone else owns the account now.

Any advice would be appreciated. Thanks

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is it for a credit card, because if its for a bank account do not believe that cca will apply. you could contact bls and ask them if the account has been sold on.

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This is for a current account and overdraft on an old lloyds account

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I am still not sure what to do about this account.

 

Credit security LTD are asking for £6000 (the outstanding amount on the agreement), but money is still being paid to BLS.

Do i write to Credit security with "i do not acknowledge any debt with you" and explain that another dca is managing this account?

 

Do i contact BLS and see if they have passed it on?

 

Any advice would be greatly appreciated. Thanks

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Credit security have contacted me again today second letter from them.

"Despite me disregarding all attempts by them to contact me, the are prepared to give me a 70% discount if i pay and settle the account before end of January"

If not then will have no other option but take me to court.

 

Time for cca letter?

Do i stop payments to BLS, who incidently would not give me any info over the phone when i tried to find out if the debt had been sold on.

Any help would be great. Thanks

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Credit security have contacted me again today second letter from them.

"Despite me disregarding all attempts by them to contact me, the are prepared to give me a 70% discount if i pay and settle the account before end of January"

If not then will have no other option but take me to court.

 

Time for cca letter?

Do i stop payments to BLS, who incidently would not give me any info over the phone when i tried to find out if the debt had been sold on.

Any help would be great. Thanks

i would cca the dca trying to collect ,and then sar bls the oc of the account.

please only contact any of these leaches in writing as they will tell you one thing then do the opposite.

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if i cca credit security and they cannot produce the cca, do they refer it back to bls, or does it go back to lloyds because the debt has been sold on?

CCa letter done to credit security, letter to BLS asking for confirmation that they sold the debt on. Meanwhile i will cease payments to BLS, and put the money aside forever who decides to lay official claim to it.

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CCa letter sent and received by credit security ltd on 20/01/2010.

12+2 days up. Can only wait and see what happens next.

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Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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i have got post office receipt and printed electronic proof of signature from royal mail. Just waiting to see what these guys do next.

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Update:

Yesterday i got a letter from Halifax thanking me for my statutory request? Never made one! Talked to their complaints department to find that it was credit security ltd aksing on my behalf!

Do halifax own lloyds tsb now? The lady said they have no records on me so were unable to provide info to cred sec ltd.

I have heard nothing from cred sec since my request in january.

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No Lloyds own Shallowfax, I believe?

 

Hmm, Not sure whether it would be best to let sleeping dogs lie or go for the crown jewels??

 

So CSL have been requesting info from Shallowfax on your behalf? Have you asked CSL to do so?

Unless they mean the CCA request you made, and they failed to supply.

 

Is there anything on your credit file? If there is any marker put on there by CSL or others for that matter relating to this then I would be telling them to remove it before I took them to court for damages..


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Fraud department at Halifax siad that CSL requested a copy of CCA on my behalf. Letter with my adresss and details but sent from CSL. I asked CSL for CCA in Jan, but no response from them.

Nothing on file. No defaults or anything. Should BLS defaulted before selling this on?

I just need to wait to see what CSL do.

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If you asked for the CCA in Jan, and they have not supplied it, then send them the @Failed' letter, putting the account in dispute.

 

http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/571-failiure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Received a letter from CSL today on LLoyds headed paper.

Statement from 4/09-4/10

Loan provided : unavailable interest rate 0%

Terms of agreement :unavailable

Opening balance £6000 or therabouts

Closing Balance £6000 or therabouts minus one payment. ( I made 3)

 

Says statement does not conatian all information, and if i want it, to contact them again.

 

Next step.... failure to provide letter and account in dispute letter?

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If that's what they sent you in reply to your CCA request then yes, send the letter in the link above, clowns!


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Just a quick question? Do i still need to put i do not acknowledge any debt on this letter?

Thanks

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Don't need to but, it won't hurt.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Still nothing from Credit security, re account in dispute. Do i need to do anything else at this stage?

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No, wait for their next threatogramme.

 

Just been reading back through the thread, can you just confirm that this is for a current account and overdraft? And not a loan or credit card?


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Cannot remember. Think some of it was loan, some current account and some overdraft. Does it make a difference?

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Yes, the Loan and Overdraft will fall under the CCA, the current account however, I'm not entirely certain, someone else will be better placed to answer that.

I know that a lot of people will disagree that an overdraft falls under the CCA, and yes it does have certain exemption, but this might back me up :rolleyes:

Esp part 17-22

Coutts & Co v Sebestyen [2005] EWCA Civ 473 (28 April 2005)


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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When i say current account ,I had a current account that was overdrawn. Each time i became overdrawn my nice bank manager propped me up with a loan or increased my overdraft facility.

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