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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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How can they say washing machine not essential

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I purchased a washing machine from Curry's in May 2008.


All fine until last year when door seal went. Repaired as I have a Whatever Happens policy. Last year 2 main boards replaced within 3 months and then on Friday it stops turning.


My policy states if I call on a Friday they will come out on a Tuesday but they said not possible and they came today. Guy/engineer says it may need a new motor and he orders new part and it should be available next week.


I call as I'm not happy. Family of 5 and no machine. They say they have 21 days to repair as they don't class it as essential. They are also supposed to call a few days before to try and diagnose so they can have parts ready but they didn't even do that.


I could scream. I'm now doing a 60 mile round trip to my parents to get washing done.


The policy is fine as long as the machine is still usable while waiting for parts but totally crap if it breaks and can't be used.


I would advise people not to bother with a policy and just save the money so when it breaks you can just purchase a new one.


What I want to know is how many times are they allowed to repair before replacing cause this is its 4th repair and I'm fed up.

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If the machine is repairable they will continue to repair no matter how many times it breaks down, they dont really like to replace,prefer to repair where possible.


BUT if it is non repairable say by the bolts being ripped out (the ones that hold the drum) it will get replaced had that happen to me 3 times and everytime my machine was replaced no problem x

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Guest Paul - CurrysPCWorld

Hi Sirbob10,


Thank you for your recent post and I apologise for the delay in this response.


It is concerning that you have had this experience with the machine and I must inform you that we would always look to repair the item until it is deemed beyond economical repair or the repair is not completed within the service level agreement on your policy. If either of these triggers are breached then we will consider a write off on your unit. I must apologise for the comments that have been relayed about the product not being an essential item as this product understandably is but it does not change our position on whether we will write off before the SLA has been breached. My sincerest apologies are presented and if there is any further support required then please feel free to contact us on 08445611234.


Kind regards



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Hi Paul, just an update on machine.

I called Friday 9th November as my washing machine was not working. My policy states that if I call a Friday you will come out on a Tuesday. Well that was a lie. I had to wait until Wednesday 14th for an engineer.


I was told I would be called a few days before so the engineer could try and diagnose the problem so that if parts were needed they could be ordered. Another lie. No call received.


The engineer arrives and says it needs a new motor but of course one has to be ordered. He leaves but them telephones us to say the part has been ordered and it should be here beginning of this week. Once again another lie.


I call 20th November to get an update. 29 mins on hold then I get cut off. I call again only to be told part not in stock and no date for when it will be available. So why the hell did the engineer call to say it had been ordered and it would arrive beginning of this week.


11 days and still no machine. 4 x 50 mile round trips to my parents to do my washing and guess what - Knowhow couldn't give a dam. At the moment I have 1 Apple Ipad, 1 Ipad mini, 1 Apple iMac, 1 Acer laptop, 1 HP laptop, 1 freezer, 1 television and my washing machine insured with Knowhow and all of them are going to be cancelled due what can only be described as a poor service.

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