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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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zebedeepink

DCA left a message on my WORK answerphone - Motormile

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I am absolutely fuming. They left a very explicit message making it quite clear who they were on my work answerphone which is obviously a work phone as the message states the department and hospital. They are threatening to turn up on my doorstep (they have my old address) but nevertheless, I'm so angry I could spit. I have previously offered them monthly repayments which they turned down as they said it was too low (was £30 a month for a £500 debt).

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Hi

When leaving messages they shouldn't be too specific on what the issue is.

If they have said it was XXX debt collectors or made specific statements regarding any financial matter they could be in trouble. Is the message still there? Did anyone else hear it? can you physically copy the message? (play the message then record it on your phone)


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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If they have left a message which reveals any of your personal information you must make a complaint to the ICO & Trading Standards.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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17 Port & Maritime Regiment RCT

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What immature little clowns, calling your place of work IS psychological harassment, I wouldn't put up with that.

 

OFT&TS first port of call to complain too, then Ofcom, your local MP, BBC Watchdog, and local press, which foolish clown outfit was it?


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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It was Motormile Finance. They've left another message on my work phone today, despite me emailing them to tell them never to leave messages on my work phone. The message said "Hello this is XXX from Motormile Finance. We are due to carry out a doorstep visit at your property. To avoid the unnecessary embarrassment of us turning up unannounced, please telephone bla blah blah to make an appointment. Luckily, I was in the office on my own at the time but anybody could have heard the message and it is so obviously a debt collector. I am beyond furious with the scumbags

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You must complain to the ICO https://www.ico.gov.uk/Global/contact_us.aspx


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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Thread moved to the Motormile forum.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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I am absolutely fuming. They left a very explicit message making it quite clear who they were on my work answerphone which is obviously a work phone as the message states the department and hospital. They are threatening to turn up on my doorstep (they have my old address) but nevertheless, I'm so angry I could spit. I have previously offered them monthly repayments which they turned down as they said it was too low (was £30 a month for a £500 debt).

 

Hi I'm working on a ''project'' regarding the conduct of MMF regarding another matter involving improper actions if you would like me to include your case in a group complaint to the OFT, please PM me the details, as full as you feel comfortable with divulging, I will happily add it to my report.

 

If you would like me to draft a letter for you initially to stop MMFs phone contact just let me know and I will do it straight away.

 

BRIGADIER2JCS

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