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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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reddeviljohn

Tenancy agreement & Section 21 Notice

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Hi, I have been at my current flat for 4 years and every year get a 1 year extension, the term terminated on 7 Dec but our rental cycle means I am covered until 6 Jan, anyway it had been mentioned by the landlord that this time they would not be giving me the same term due to personal reasons which I put down to them wanting to sell and I thought I would get a 6 month term but bang on 3 Dec I get a section 21 notice telling me they require possession after 7 February. After looking at the contract there are special conditions on there saying the landlord and tenant need to give 2 months notice when leaving. As it happens I have found a new flat available 7 Jan but the landlord says I need to give 2 months notice so I would like to know what my legal position is? As I would have thought those 2 months would be while the term was still valid not after it has expired? do I move to my new flat and have to pay my current landlord 2 months rent while not living there or risk them trying to take it from my deposit via deposit protection scheme?

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depends, need to know if you signed a new AST agreement every year, when date started, contract end date etc.

LL has to give you 2 clear months notice for repossession, you do not have to give any notice if you leave on contract end date.

If AST has gone periodic, i.e. contract continues after end date you have to give LL one month clear rent period notice.

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A new one each year year dated 7 Dec 2011-7 Dec 2012, it has not gone periodic yet as our rent cycle will finish 6 Jan, the LL has given us 2 months notice for repossession but they are stating per special conditions on the contract which they have written on there that 2 months notice is needed

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So as of 7th December 2012 end of contract! it has therefore gone periodic now, so LL has to give you 2 months notice i.e 6th feb as you say.

YOU only have to give one months notice from a rent period, ( they cant change that, statute for AST ) which will be now the same, one month from 6th Jan 2012 expiring on 6th Feb. unless you gave him notice on or before 6th Dec. in writing. then you would not be liable for rent after 6th Jan.

So it looks like you are liable up to the 6th Feb, unless you can negotiate something, say him letting out before that date etc.

Presume deposit protected etc.

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