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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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xavierzutafun

Full-time student - chances of getting the money back?

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Hello,

 

I believe that you deal with such cases on this message board quite frequently, but I have some questions and I would welcome the opinions of local experienced folk.

 

I am registered as a full-time university student (sorry for my English in advance, I am foreign) just finishing my masters programme, I did undertake a full-time undergraduate degree here in the UK in the past as well. I was in a full-time employment during these periods, I used to work on nights and I was studying on days.

 

I got charged by Lloyds TSB plenty of times, as I was paying my university fees out of my own pocket, except one year and I am still every month in deep overdraft (2000GBP) on my Platinum Account (I have it just to have this overdraft option with lower interest), plus both my credit cards are permanently empty. I am pretty sure that once I am done with paying my university fees (which happened quite recently), I can get out of the debt very quickly.

 

Today, I was charged once again this time it was 70 pounds for unplanned overdraft and another 40 or so for the returned DDs. Now this happened in the past as well, even during my 9-month long unemployment period LLoyds kept charging me all the crazy fees and as far as I am counting, I payed probably 1500 on unplanned overdraft fees and returned DDs fees. This often happened just because the bank charged me its own fees and because of them I got into unplanned OD, one month later I was eventually charged for this one as well.

 

As I am a self-employed person right now, but still in a full-time education (I should graduate in December), are there any chances I could be successful in claiming back my money? I do have an income, which is much higher than the minimum wage, but I am still in continuous debt, as I had to pay my university charges and accommodation fees regularly.

 

The last question is rather hypothetical - I am planning to remain in a self-employment status and maybe in the future I may try to ask either for a mortgage or high-amount loan, will that influence my relationship with the bank and will the other banks know if I will try to claim back the charges back? Is there no "blacklist" of customer who did that and they will have it difficult to ask for a loan of a mortgage?

 

I will welcome any kind of advice.

 

Thanks.

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