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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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anubis61

do i have to pay?

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try to keep this as short as possible..... three years ago I was married to my ex..she had 3 children from a previous relationship and wanted to claim tax credits etc,. When she tried to, she had to get me to complete a form as we were married and it had to be a joint claim (tax office told me this). well to cut a long story short an overpayment was made (all payments went direct into her account and I was not aware of whether or not she was overpaid) a year or so ago HMRC contacted me to say about the overpayment and that they want it back. I wrote to them explaining that it was my ex wifes claim not mine. they returned saying it was a joint claim so both liable...i wrote again explaining i only claimed because they had said to and did not see why they should ask me for all the money or indeed any of it. I asked what they were asking of her as she still claims and they said that they cannot discuss. anyway I have now received a letter from them stating that I have not paid so therefore they are changing my PAYE tax code to recoup the overpayment!!!

I am at a loss...why should i be liable for this when she has had the money and spent it! we done a clean break divorce and I even gave her the car and paid her legal fees. this seems grossly unfair...anything I can do??

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Joint claim = joint and severally liable for any monies over paid. Did you sign the joint claim form? If so then I think you will find you are liable for 50% of the money owed but no more then that

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Joint claim = joint and severally liable for any monies over paid. Did you sign the joint claim form? If so then I think you will find you are liable for 50% of the money owed but no more then that

that is the annoying thing in that i was told by the tax people that i had to sign a joint claim for her claim to be looked at

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Well yes you would have as you were married at the time so any claim would have to have been a joint one

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Hi Anubis,

 

Whenever any creditor has a chance to get money back from one party or another, they'll always go for the target that's most likely to get them what they want.

 

So, in your case, they're looking to you to repay the overpayment because that's the way they'll recoup the overpayment most quickly.

 

Have they supplied you with full details of how and why the overpayment arose. I'm sure they can't demand payment without explaining how it arose. That would be letting them have their cake and eat it !

 

Have you discussed this at all with the sol'r who was involved in the separation.

 

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