Jump to content


  • Tweets

  • Posts

    • 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  
  • Our picks

newchick

Help with old default removal

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2558 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Looking for some help to see if I can get a default removed.

 

I have an old default that will drop off in April 2013 as its then over the 6 years. It was satisfied back in 2007/8.

 

The original default I was not aware of until a year after it had been issued,

so was not given the chance to sort it out as it all happened at a time I moved house

and it was a credit card that was used by my husband at the time

- silly of me to leave it and not cancel

- I just forgot it was there.

 

He ran up £800 on it,

 

found out a year later after a default was on my file as a debt company contacted me via finding me on the voters role -

as soon as I received this I settled the amount direct with the card issuer. (Halifax)

 

I have written to halifax over the years to request a copy of the original agreement

- they fob me off and to date have been unable to send me it,

 

I have asked also for the notice of default to be sent as again I never saw this

- I have read in various places I might have a chance of getting it of that little bit sooner if I request documents

and if they can't produce they have to remove.

I could be getting this wrong and to be honest I don't know if this is true?

 

Halifax pretty much say the debt is so old they dont hold the file

- its now under their other company we all know as Blair Oliver and Scott (BOS)

they tell me the same, there is no debt it has been settled thats as far as they will help.

 

I know it only 6 month for this to drop off.

But I am having serious issues with work due to this being on my file.

I do not have any other things on my file that would be bad credit - this is it.

 

If anyone has any ideas on ways I could get this off faster than waiting on it dropping off - I really would appreciate it.

 

 

Thank you in advance.

Share this post


Link to post
Share on other sites

Can I also ask - is the law different in Scotland than in England for this?

Share this post


Link to post
Share on other sites

there are no diff rules for scot/england

 

what is the date of the default.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

I Have a letter her dated 6th July 2012 from HBOS (took me months to get this)

 

in this letter they included a copy of the agreement from back when I took out the card,

they also included as I requested a copy of my application for card.

 

However they did not include any copy of the default they served on me - I never saw this.

 

The letter dates July 2012.

 

They say

 

" your agreement was ended on 22nd June 2007 and the full balance owing became due. My credit report has the default date down as 06/2007

Share this post


Link to post
Share on other sites

can't see there is anything you can do them.

 

you poss might be able to get the default removed

if you could prove the default was solely the results of

PENALTY charges

but as its so old

they might not hold the files

 

there is certainly no truth in the fact of no DN, they must remove it.

 

all they have to show is that it was sent.

 

p'haps an SAR might throw something up

but

by the time you argue all that

the default would have dropped off anyhow i bet.

 

have you only just started at your works?

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

I have requested a SAR waiting on it to arrive also. Trying to attack from all sides and hope I get some place. I prob will take an age as you say. Yes recently appointed MD so it is a massive issue being on there! :-(

Share this post


Link to post
Share on other sites

fair comment

 

but they cant just sackyou because you have a historic default from almost 6yrs ago.

esp if you've 'climbed the ranks'

so IMHO i would not worry.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

No I would not loose my job, but might have to step down as the default showing on my credit report brings the credit worthiness of the company down. In the current financial climate creditors don't need much to say no.

 

So frustrating to be in this position. I would pay triple the amount defaulted to sort it.

 

I will see what the comes in from the info I have requested and take it from there.

 

If anyone on here has any ideas at all I am willing to try anything. Question - do you think if I offered Halifax a payment as in just a bug of cash they would remove the default? Baring in mind the full amount is cleared there is nothing owed currently but even having that showing on my credit report is having a serious effect on me. If i offered them cash to remove it? I have contacted all the CRA re it and they all said I need to contact Halifax direct and ask them - they would then instruct them to remove - basically from what I can see the word has to come direct form HBOS.

 

Ideas welcome....

Share this post


Link to post
Share on other sites

there might be worth in ringing halifax and pleading

 

its not as if its a big deal 6mths is it

 

they should be seen to help you.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...