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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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I have a notice from Rossendales saying they intend to seize my goods within 24 hours unless I pay 1200 for unpaid council tax.

 

I wrote to Rossendales a while ago offering a payment plan (150) a month but had no reply. I stupidly left it at that.

 

They have never entered but my van, kept behind a locked 2m high gate is listed on a walking posession order. Is this valid even though I have never spoken to them or granted access to my property?

 

How should I handle this?

 

I just want to pay it off at a reasonable rate and not loose my van

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is the van for business use if so levy could be argued

 

Start making payments Direct to the council using correct reference number

 

When was the levy on your van how many months ??could be considered an abandoned levy

 

keep bailiffs out

 

if you make payment arrangements with bailiffs they will do a walking possession order set the monthly figure too high so that you default and then they hit you with more fees and charges

 

payments to council is the way forwards on this


If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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Levy on the van was over a month ago.

 

Its for personal use.

 

I haven't ever been in when the bailiff called and the gate has always been padlocked.

 

Im really worried they'll take it

 

Id rather deal with the council but am very worried about my van

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also theres around 300 charges on top of my bill

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how much is the van worth

 

move the van if needed


If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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so van would not cover the debt and costs could be seen has been done to gain fees for the bailiffs

 

charges sound wrong how many times have bailiffs attended and what fees are listed


If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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I think 3 times, there is no breakdown of charges

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If you have a copy of the letter you sent to Rottendales you can use it to your advantage, start to pay the Council direct via their automated online system, make regular affordable and sustainable amounts each week on the same day eg: every Monday.....this will soon show you to be a 'want to pay' as opposed to a 'won't pay...write to your Council , tell them that due to the unreasonable behaviour of their appointed agent you no longer have any confidence to their ability to address the matter fairly, subsequently you will continue to make all future payments directly to them. Any fees alleged to be owed to the bailiff will be in need of close scrutiny and you require a full breakdown of them.

 

Move your van and if possible put it in a friends garage alternatively remove the registration plates and tax disc if it is 'off the road' and parked up during the day.

 

WD

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