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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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Hacked_Off

Universal job match-another scam

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I've applied or a job via ujm as a office junior. Got this email back:

 

Thank you for application for employment with Morgan Thomas Recruitment

 

Whilst your application and CV is assessed by our recruitment team please could you take 5 minutes to update your details using the following link. You will need to answer a few questions and upload your CV onto the database. This way your application will be added to the systems that we use for our recruitment purposes.

 

Click Here

 

Thanks for your time, if you are successfully chosen for the next stage of our recruitment process one of the team will contact you within 7 working days to arrange a face to face interview therefore please ensure all your contact details are correct using the above link.

 

Recruitment Team

Morgan Thomas Recruitment

 

When I click here it takes me to cv library, when I search than me there is no office junior job!! Am I missing something!!

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I would expect it's just a ruse by a recruitment agency to get more people on it's books ...

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That's the thing though, I'm already on their books!! I've deactivated my account

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This is what I (would) do:

 

1) If I have found a job on the UJM website and I have to apply to make my advisor happy, I just click on the "Apply" button and forget. I don't have to reapply again for the same job, it's up to the agency/employer to fill my data into their database. That's what they are paid for.

 

2) If I have found a job on the UJM website and I am really interested in that job, I google the agency/employer and apply directly on their website. There are more chances that my data go directly into their books from their website than just sending an email, which might end up in their spam filter.

 

Disclaimer: this is not legal advice, just my personal experience.


"Ask not what your country can do for you, ask what you can do for Poundland"

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Based on this companies experian report, I'd give them a wide berth.

 

Hello and welcome to CAG.

 

I'm afraid I can't read your jpeg image, it's too small. Would it be possible for you to post a pdf file please?

 

My best, HB


Illegitimi non carborundum

 

 

 

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Also when applying for a job on the universal job match website, how come it won't let you download a different CV as I've just appied for two jobs and when i clicked on the cv I wanted the correct one wasn't sent. I know you are only allowed to have 5 CVs stored but what happens if you want to delete one of them as the CV would've be sent to the employer/agency after you have applied for the job.

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Hello and welcome to CAG.

 

I'm afraid I can't read your jpeg image, it's too small. Would it be possible for you to post a pdf file please?

 

My best, HB

 

Ooops. Sorry about that, I will do it tomorrow from my desktop.

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Also when applying for a job on the universal job match website, how come it won't let you download a different CV as I've just appied for two jobs and when i clicked on the cv I wanted the correct one wasn't sent. I know you are only allowed to have 5 CVs stored but what happens if you want to delete one of them as the CV would've be sent to the employer/agency after you have applied for the job.

 

Hi Louise. Can I ask, why would you need more than 1 CV?

 

Cheers.

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Also when applying for a job on the universal job match website, how come it won't let you download a different CV as I've just applied for two jobs and when i clicked on the cv I wanted the correct one wasn't sent. I know you are only allowed to have 5 CVs stored but what happens if you want to delete one of them as the CV would've be sent to the employer/agency after you have applied for the job.

 

For technical questions, I'd grill the JCP adviser that mandated me to use the system - Make 'em squirm :madgrin:

 

In the meantime, I'd apply directly with the CV I want to send.

 

Can I ask, why would you need more than 1 CV?
One would usually tailor the opening statement to suit the vacancy and perhaps emphasise certain hobbies/interests or skill set. Some sectors expect CVs to be in a certain style, whilst others will want to see a different format. Then there are the jobs that you have been mandated to apply for, and you know you have a cat in hells chance (wrong location, bad pay/conditions, or not qualified), in which case, default to the baseline version. Edited by Mr.P

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No... you can't eat my brain just yet. I need it a little while longer.

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Hi Louise. Can I ask, why would you need more than 1 CV?

 

Cheers.

 

There's a school of thought that says you should tailor your CV for particular vacancies, or at least for particular types of job.


PLEASE HELP US TO KEEP THIS SITE RUNNING. EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

The idea that all politicians lie is music to the ears of the most egregious liars.

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I've got a CV for admin roles and one for Purchase Ledger roles.

 

Yeah, that's the sort of thing I mean. If I apply for an IT job I would want to focus on a different set of skills than those I'd highlight if I was applying for an admin or Civil Service role.


PLEASE HELP US TO KEEP THIS SITE RUNNING. EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

The idea that all politicians lie is music to the ears of the most egregious liars.

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Just don't use UJM, just upload a basic CV with obfuscated details. Use Indeed.co.uk instead, but don't log in. Just follow the links to the vacancy and apply on company website. A colleague has created a fake employer profile on UJM. It's scary!


"Ask not what your country can do for you, ask what you can do for Poundland"

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