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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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Hello i dont really know where im suposed to post im new here but i got a tv off brighthouse made all payments till it was paid off but 3 weeks before it was due to be paid off my daughter cracked the screen i rang brighthouse to book it in for repair they told me they would send out an engineer to have a look at it well noone turned up i got a fone call saying they couldnt make it i asked when it would be booked back in and if it will be before its paid off they said yes well noone came out and when i rang back i was told because my account is closed and tv has been paid off im no longer covered and was told id have to pay a private engineer to fix it well for months id been phoning and asking around these places tryingto get it fixed i was told it is brighthouse own make so they didnt stock the parts so i rang brighthouse back and all i got was abuse from them i had my washer and dryer with them and fell into debt i asked them if i could pay them the week i missed without the service covers as i didnt think i should have paid as one is optional the other renews everytime u make a payment and as i didnt pay the week before i thort well i didnt have to pay the cover they refused to take my payments said i had to pay it all in full late charges and the next weeks i said i cant they then threatened to come take my goods i said well im offering u a payment why cant you take it they just point blanc refused so i said fare enough weeks later i recieved many call knocks on door letter now i have a solicitor ringing me saying if i dont make a payment i will recieve a ccj can anyone give me some advice in what i should do please i have had it with these people i begrudge giving them anything now as they have fooked me over with my tv thank you x

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Hi linz, you will probably get more help if you start your own thread as that way more people will be able to read it and answer you...

my opinion of this company at the moment is if you want to get what you are entitled to in law, you have to take them to court!

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ok the solicitor was probably brighthouse themselves


if they attempt to ring again advise them you will only comunicate in writing and hang up


if you have payed more than a third of the agreement then they cannot take the goods without a court order


the TV was reported in warrenty, it needs fixing but brighthouse dont like doint that im assuming its a BAIRD (blighthouse own), it does use the same internals as some others


remind them the service cover is optional - mostly however you have to go to head office to get it cancelled

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  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

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hi linz,

have you had any luck yet in getting brighthouse to repair this?


if not, maybe instead of claiming a repair you could claim the total amount you have paid for the DLC and OSC insurances. The money you can reclaim could then be used to repair your Baird TV. I am pretty sure that like laptops, as long as the screen fits into the case, then it will work. You could even use the money to buy a new TV (for cash with a retailer who has good customer service)


theres a very good thread here somewhere showing how you can claim back your OSC and DLC insurance money from brighthouse, i am sure this would be the best way for you since that money will more than pay for the repair on your TV.

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