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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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MARTIN3030

Whistleblower sees FSA begin investigations into Libor style fixing of Gas prices by UK operators.

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The Financial Services Authority, is investigating claims by a whistleblower that Britain's £300bn wholesale gas market has been "regularly" manipulated by some of the big power companies, exploiting weaknesses that echo the recent Libor scandal.

Separately, the energy regulator Ofgem has been warned by a company responsible for setting so-called benchmark prices, ICIS Heren, that it had seen evidence of suspect trading on 28 September, a key date as it marks the end of the gas financial year and can have an important influence on future prices.

 

 

 

 

 

http://www.guardian.co.uk/business/2012/nov/12/libor-like-manipulation-gas-markets


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Disgraceful. If this is proven to be true, then I think everyone should cancel payments to their Gas suppliers and only agree to pay if a credit of say £100 is credited to their accounts, as a gesture, before a full calculation of overpayment is made. You have to think about the elderly who have died during cold weather when they could not heat their homes and also people who could not pay their bills being subject to debt collection.


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Its unimaginable that all of the big 6 colluded in this to fix prices,but since we know this happened in the Libor scandal,it not beyond belief.

Its getting the proof which may be difficult since these are very complex processes.

Heads are certain to roll if they are found to be guilty.

With the possibility of fines equal to 10% of turnover too-this could see the largest corporate fines ever to be handed out in the UK.


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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To give some idea of the magnitide of potential fines here are the figures for turnover from the big 6 from 2011

 

npower turnover was £6.3bn (profit was £14m)

 

Scottish Power turnover was £3.5bn (profit was £82m)

 

EDF turnover was £6.3bn (profit was £92m)

 

E.ON turnover was £6.6bn (profit £226m)

 

Centrica turnover was £11.2bn (profits were £1bn)

 

Scottish and Southern turnover was £28.3bn) (profit £1.31bn)

 

Total £62.2bn

 

10% of £62bn = £6.22bn


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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To give some idea of the magnitide of potential fines here are the figures for turnover from the big 6 from 2011

 

npower turnover was £6.3bn (profit was £14m)

 

Scottish Power turnover was £3.5bn (profit was £82m)

 

EDF turnover was £6.3bn (profit was £92m)

 

E.ON turnover was £6.6bn (profit £226m)

 

Centrica turnover was £11.2bn (profits were £1bn)

 

Scottish and Southern turnover was £28.3bn) (profit £1.31bn)

 

Total £62.2bn

 

10% of £62bn = £6.22bn

 

 

makes no difference if it was £200 or £2 trillion. would not impact on those bunch of "alleged" fraudsters anyway as all they will do is load the future bills to cover these fines and losses and with ofgem as toothless as it is and always allowing these company's to get away with any price hike they want, there will be nothing we can do about it.

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Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Also under new powers announced in September it was revealed that customers overcharged or mi sold would benefit from any fines that in the past have gone to OFGEM.

 

http://www.bbc.co.uk/news/business-19688019


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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