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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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nick7602

VW Jetta 06 Model Cam Belt failure VW wont contribute

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Hi Guys

 

This almost killed me, I was in the fast lane of the motorway when this happened, and crossed 3 lanes narrowly missing a HGV vehicle in the process

 

I have a VW Jetta 06 model, FSH, 28 months ago I had a cambelt snap this inturn destroyed the cylinder head, replaced the cylinder head and cam belt but after speaking with the service manger they didnt replace the water pump which I thought was odd.

 

Last week the same happened again well within the recomended mileage that VW state for replacing the cambelt infact 40000 miles short of the time it needs replacing which is 70000 miles.

 

It transpires that I am 4 months outside the parts warranty, so I spoke with VW UK and they said it was highly unlikely that they would foot the bill due to the age and mileage of the vehicle I asked what has that got to do with repalcing the cylinder head and renewing what your part has destroyed, the whole cylinder head and parts, this isnt even a part that is checked within servicing as i mentioned to the dealer it had a full service history, they wanted me to contribute to the strip down of the engine by £300 for apart that they fitted and has subsequently failed, I buy an Item which is obviously not fit for purpose and I have to pay again to strip it down for VW to say we cant help???? because of their inferior parts

 

Really dont know what rights I have now,this is a massive job about £3000 to replace it all, for something that wasnt my fault, now im without a car and cant afford the £3000 bill...........this cant eb right surely

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Hi Guys

 

This almost killed me, I was in the fast lane of the motorway when this happened, and crossed 3 lanes narrowly missing a HGV vehicle in the process

 

I have a VW Jetta 06 model, FSH, 28 months ago I had a cambelt snap this inturn destroyed the cylinder head, replaced the cylinder head and cam belt but after speaking with the service manger they didnt replace the water pump which I thought was odd.

 

Last week the same happened again well within the recomended mileage that VW state for replacing the cambelt infact 40000 miles short of the time it needs replacing which is 70000 miles.

 

It transpires that I am 4 months outside the parts warranty, so I spoke with VW UK and they said it was highly unlikely that they would foot the bill due to the age and mileage of the vehicle I asked what has that got to do with repalcing the cylinder head and renewing what your part has destroyed, the whole cylinder head and parts, this isnt even a part that is checked within servicing as i mentioned to the dealer it had a full service history, they wanted me to contributelink3.gif to the strip down of the engine by £300 for apart that they fitted and has subsequently failed, I buy an Item which is obviously not fit for purpose and I have to pay again to strip it down for VW to say we cant help???? because of their inferior parts

 

Really dont know what rights I have now,this is a massive job about £3000 to replace it all, for something that wasnt my fault, now im without a car and cant afford the £3000 bill...........this cant eb

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I would say that SOGA is your best friend as you expect the cambelt to last another 70,000 miles and that the dealer had done the job correctly.

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The vehicle is at the dealer at the moment am I entitled to a repair of the cylinder head? the cam belt snapped and as a direct result destroyed the cylinder head this is standard when a cam belt snaps.

 

my gut feeling is that why should i pay again, this cam belt and cylinder head was only repalced 28 months ago, the dealers time frame for Cambelt replacement is that it should reach 70000 miles beofre it needs to be replaced, its only done 30000 miles, and its snapped again and destroyed the cylinder again. why should i pay for waht must be inferior parts

 

 

Thanks for all you help it is very much appreciated

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I would have said replacing the head is a bit extreme?

 

If a belt snaps on an "interferance engine" which unless yours is a V6, I guess it is an inteferance engine, you bend a few valves. I've never heard of a head being written off for a snapped belt before?

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Who changed the cambelt, was it a franchised VW dealer and was genuine VW parts used?

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