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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..  
    • 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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travisb

MBNA/marlins - now Arrows

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Advantis are debt collection and tracing company, you are right to ignore them until you get something in writing.


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Another small update.

 

Never heard back from Arrow Global's solicitors.

 

I've had a look at my credit file though and AG have posted a default running from feb this year (2014).

 

Are they allowed to do that with an alleged debt which is now statute barred?

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Another small update.

 

Never heard back from Arrow Global's solicitors.

 

I've had a look at my credit file though and AG have posted a default running from feb this year (2014).

 

Are they allowed to do that with an alleged debt which is now statute barred?

 

 

 

 

A debt will still appear statute barred or not IF the default has not expired and will be removed on the 6th anniversary of the default date.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

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Another small update.

 

Never heard back from Arrow Global's solicitors.

 

I've had a look at my credit file though and AG have posted a default running from feb this year (2014).

 

Are they allowed to do that with an alleged debt which is now statute barred?

 

Do you mean the start date of the default is February? If so, there may be trouble ahead if they have recorded a NEW default.

 

If they are reporting an existing default which was correctly registered within around six months of the actual cause of action, then as Brig says you’ll just have to wait for it to drop off.


“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

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Having had another look at it the start date is recorded as Sept 2009.

 

If I remember correctly last payment was made to the account in March 2009 and the first red blob was placed on it in April 2009.

 

Am I right in thinking that it's now Statute barred?

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Unless you're in Scotland no not S B until April 2015. I was looking at your post early this morning and wondering why A G had let your S B date pass without your being hounded by one or more of their solicitor "partners". Now I know. Sorry to be the bearer of bad tidings.

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Unless you're in Scotland no not S B April 2015. I was looking at your post early this morning and wondering why A G had let your S B date pass without your being hounded by one or more of their solicitor "partners". Now I know. Sorry to be the bearer of bad tidings.

 

I am in Scotland. I should have said that.

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Oops . Sorry. I'd forgotten. Glad my bad tidings were misplaced. Why on earth have they left you alone? Almost without precedence. Congratulations.

After long period of silence up to the infamous letter they sent to everyone offering a chance to opt out of mail , they drilled my molars mercilessly up to and even beyond S B.

Just make absolutely sure of your last payment date.

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Yeah, I've just double checked and the last payment was March 2009.

 

Next question is: Do the CRAs remove it after the sixth anniversary of the cause of action or the actual default date?

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Default date.

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Default date.

 

Since they don't have my permission to publish my data by means of a signed and properly executed credit agreement is it maybe worth trying to get them to remove the default?

 

They've been so very nice so far. :-)

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No. The McGuffick v RBS [2009] ruling takes care of this. Failure to comply with s78 does not prevent fair reporting of the conduct of an account.


“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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No. The McGuffick v RBS [2009] ruling takes care of this. Failure to comply with s78 does not prevent fair reporting of the conduct of an account.

 

That's that out the window then.

 

Thanks for the replies folks.

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