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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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watchinginvestigation2011

Paypal,postal order, bank transfer, safest?

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Advertised a samsung galaxy s2 on preloved.

 

I have had an offer which thinking on but person lives up north so know they would want it sent and I would use special delivery.

 

I have heard some horror stories if item is paid for by paypal for them to once get item say not as described, re ebay or phone not enclosed sort of things and claim the money back.

 

Whilst I know these things do genuinely probably go on,

I am aware from stories that items are regualry claimed as not received or as described to get refunds also,

 

need to protect myself as to be honest could not cope with them saying not in bag or missing etc when I know I posted it.

 

is there a way of protecting myself that would allow payment through paypal, but stop them claiming it back fraudulantly, as in would bank transfer via paypal help me.

 

I mean say for instance the phone genuinely went missing in post from packaging and again these things do happen,

I would have special delivery protection to 500.00 and would claim it back that way in a genuine case if package was handed to person and post office had damaged the package.

 

on my advert i will put will be sent special delivery,

do not accept from post office if package is opened or confirm that phone is okay before sign or return to postman etc....

 

..Then woudl know post office have to sort it out and would refund buyer pronto in mean time, also giving me proof of payment via pay pal for post office.

 

Is it funds transfer or would you say crossed postal orders are safer?

 

I can sell this phone to second hand store locally and get about 180.00 for it but that is low,

but if cannot sell hastle free, might just sell if for that than risk losing 250.00,

 

thanks xx

 

I appreciate it seems fraud goes on on both sides of phones sales, just could not cope being caught out so any tips appreciated.

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Confirm packaging okay I mean, cant expect postie to wait while charge, haha

 

Samsung a great phone, but I prefer my iphone and have got shop to transfer my number to micro simm and they happily said I could sell the phone and use iphone on my account.

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signed for with tracking [parcelforce]

 

you cannot dictate [as such] how someone pays their paypal account

 

but if you go outdide of paypal they will not protect you.

 

dx


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Thanks. After reading on the ebay forums I dont think I can trust paypal as a seller. As a buyer I would have no problems, but the stories over not as described etc....

 

Think I will re advertise as cash on collection and hope to find nearer buyer who happily can try it out. If not well second hand shop it is, at least no hastle come back

 

Thanks all same

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