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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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tribal95

overpaid salary by my ex employer

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Hi everybody

I need your help, but first of all sorry about my english...

 

I am french and i lived and worked in UK for 3 years

in march 2010 i decided to move back to France

so i resigned from where i worked, received my last payment but not my p45

 

In france i kept asking to my ex employer for my p45 because i needed it in france otherwise i couldnt find a job!

but i didnt receive it

 

June 2010 my ex employeur sent me a salary of 1200 pounds???

i called them asked them what it was?? error from them!!!

I sent it back and asked for my p45

 

July 2010 still no p45 but another payment of 1200 pounds

i called them again...error again and i sent back the money!

 

August 2010 still no p45 yet another 1200 pounds in my account

this time i called them but i keept the 1200 pounds!

i want and need my p45!!!!!

 

but nothing...today we are end of january 2011 and they ask me for the money and more apparently i havent sent them the one of july!!!! 2400 pounds!!!

what should i do??

i dont wana send it because i havent got my p45

and if i wasnt honest with them they wouldn't have known!

 

i want to ask them to pay 50 euros per month + bank fees in france...they'll get the total money in 2015!

but is it legal?

 

and is it legal from them? i mean what about the taxes in that salary, how did they justify to keep paying me after i left??

 

help please!!!! i am in france now and i dont know what to do!!!

 

thanks a lot for your help!

Edited by tribal95
errors

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Hi tri

 

Welcome to CAG

 

The guys will advise as soon as they are available.


Welcome to Consumer Action Group

 

'Challenges are what makes life interesting; overcoming them is what makes life meaningful.'

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I fail to see why you need a P45 to work in France - all a P45 does is confirm UK taxes have been paid.

 

But as for the money, I am afraid it woud require a knowledge of French law since you had already relocated to France. In UK law you have to pay the money back, and you have to pay the full amount back - but I do not know whether such a judgement can be enforced against someone in France unless they have assets in the UK


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I am a barrister specialising in employment law, and only represent employees. My advice on employment issues is advice - not legal opinion - and is based only on the facts you provide. If you want an accurate assessment of your case and prospects, you should get legal opinion from a lawyer - not a public forum. Anything I tell you is for guidance only, and is based on my experience of the law in the context of what details you provide.

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the p45 is needed to proove i have worked in uk

once i get my p45 i'll have to send it to the HMRC who will resend me my U1

with this U1, the french government can see i have worked in uk for 3 years and i can get allowment + retirement points...

i havent got this paper so for the french governement its like i never worked in 3 years...

 

i will ask around in France what are the laws

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Bonjour et bienvenue, tribal.

 

Like SarEl, I don't understand about needing a P45 in France. But if you owed me £1200, I might delay sending paperwork to you.

 

As regards the £1200 you sent, I suppose you don't have a copy of the cheque? Or bank statements that show two amounts of £1200 going out? You could conceal confidential details.

 

My best, HB


Illegitimi non carborundum

 

 

 

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Sorry, while I was typing you posted more info. I apologise if there's duplication.

 

My best, HB


Illegitimi non carborundum

 

 

 

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