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.
Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!