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    • Hello.  Do you mean the first notice to keeper? That was the 12th July.  Notice to driver via ticket 5th April.  The driver didn't have a permit. The car park was entered thinking the sign directly in front of the car belonging to local council was for that space (the photos are in post 6).  There was a sign on the wall but wasn't clear when driving in to the car park. It is in post 6 and on the wall. The "entrance" is just a gap in the walkway from the road.    I have sent the original ticket across. 
    • 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.
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gemspan

What do I do now? Platform Funding - Mortgage

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To be honest I didn't know what to do.

I thought that I should oppose it but what we were going to do was wait until a week after it was closed and then hit them with a letter saying they must take the £1700 for legal fees from my account because the judgement was made with no expenses due to or by either party.

That will no doubt be brought up when we recall that case.

 

When I wrote to them it was after receiving a letter from them saying that my case was being passed to litigation.

When I read it my parents were here and I was almost on the brink of having to call a blue light ambulance due to the angina attack that I had.

 

I managed to stabilise though but I made them aware.

This latest trick is just vile.

 

They've included a covering letter saying that they may still be happy to enter into a repayment arrangement if I complete an income and expenditure form and supply them with bank statements, pay slips or benefit confirmation.

 

I think I'll keep all that personal information for a judge and they certainly won't be getting to see my bank statements.

It just bullying..plain and simple...and all because I asked them to wait until I completed another income and expenditure form.

 

It beggars belief.


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it does

get this all infront of a sheriff

 

lets also resit this insurance you briefly mentioned...

 

They stopped adding the insurance a couple of years ago but the premiums are still on there historically.

That amounts to maybe £400.

They say they're not included in the arrears figure and will need to be paid when the mortgage is redeemed.

 

the monies you paid should be refunded too.

not sure what you mean by the above


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Hi there

 

They wrote to me and told me they were stopping the insurance premiums but the insurance that had been paid previously on my account still stands.

This was because I hadn't sent them a copy of my insurance documents assigned to them.

 

they just stopped charging and I was left with the payments already made.

They add this into another file apparently that isn't added to the account until the mortgage is redeemed.

It all seems very dodgy to me tbh.

 

This is part of The Co-operative.

My parents think I should write to their CEO and let them know what their subsidiary is doing.

 

When all this was going on with the insurance etc I was so ill I never looked into it further.

I have written quite a few letters of complaint but I just get the usual...

.we're within our rights to do this...type of thing.

 

When you're ill you get to the stage you don't have the energy to keep fighting.


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so probably something like building insurance that you already had elsewhere but weren't told they needed to see the policy docs so charged you theirs anyway.

those premiums you've already paid need refunding at their int rate.

 

but that's probable a side issue but worth including.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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