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    • p'haps not the best thing to do just use the N244.and the ex160 let them sort it out don't complicate things..   don't worry about the bailiffs there isn't really anything they can do there is no right of forced entry upon consumer debt CCJ enforcement.    
    • 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?  
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andysummers

Self Employed PPI Claim Rejected by Egg (Canada Square Operations)

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Can anyone clarify a few things about a claim for PPI I recently made please?

 

I received a letter from Egg a few months ago advising that I may have been mis-sold PPI so I filled in the questionnaire and sent it back. I was self employed from 2002 to 2011. I had a loan in 2003 with them that was settled in 2006 and I think I was paying for PPI - I have no paper work for it anymore.

 

I received a letter back from Canada Square Operations who are handling the ppi claims and it says:

 

"I understand from your complaint that it concerns the sale of payment protection insurance, and in particular that you are of the opinion that you were mis-sold a product...

 

We note the allegation you have made regarding the sale of the policy, is that you did not feel the policy was appropriate for your circumstances as you were self-employed at the time of the sale.

 

We acknowledge there may have been flaws in our sales process. However, despite the allegation you have made I am not persuaded that the sale failing you identified above would have affected your decision to take out the PPI. This is because, taking in to account your circumstances at the time of the sale which are disclosed in your questionnaire, it is clear that you had no other means at the time of protecting your loan repayments.

 

You stated in D.5 of the questionnaire that you would not have received any pay from your employer if you were off work due to incident, sickness or it you were made redundant. You also stated in section D.6 that you did not have any other means of making your repayments if you were unable to work through sickness accident or unemployment.

 

As a result, I am rejecting your complaint and this letter represents our final response"

 

I'm obviously not happy with the decision but I can't work out why it has been rejected. The reasons don't make sense to me. I was self-employed, they haven't said that I would have been covered so I am assuming I was exempt from the policy. I know I wouldn't have bought it had they told me I wasn't covered so surely, I have been mis-sold it - either by them asking my profession and ignoring it, or by not telling me I wouldn't be covered if I was self employed?

 

Why is there this emphasis in the letter about not having any other means to cover my loan repayments? Surely I take out PPI because I have no other means to cover it so that point is irrelevant??

 

Sorry for the long post- I am trying to decide whether to appeal as the letter also says I can do that within 6 months to the ombudsman, I just don't want to make an argument that isn't valid and waste my time if someone can point out what it all really means.

 

Thanks for looking and Happy Christmas!

Andy

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Can anyone clarify a few things about a claim for PPI I recently made please?

 

I received a letter from Egg a few months ago advising that I may have been mis-sold PPI so I filled in the questionnaire and sent it back. I was self employed from 2002 to 2011. I had a loan in 2003 with them that was settled in 2006 and I think I was paying for PPI - I have no paper work for it anymore.

 

I received a letter back from Canada Square Operations who are handling the ppi claims and it says:

 

"I understand from your complaint that it concerns the sale of payment protection insurance, and in particular that you are of the opinion that you were mis-sold a product...

 

We note the allegation you have made regarding the sale of the policy, is that you did not feel the policy was appropriate for your circumstances as you were self-employed at the time of the sale.

 

We acknowledge there may have been flaws in our sales process. However, despite the allegation you have made I am not persuaded that the sale failing you identified above would have affected your decision to take out the PPI. This is because, taking in to account your circumstances at the time of the sale which are disclosed in your questionnaire, it is clear that you had no other means at the time of protecting your loan repayments.

 

You stated in D.5 of the questionnaire that you would not have received any pay from your employer if you were off work due to incident, sickness or it you were made redundant. You also stated in section D.6 that you did not have any other means of making your repayments if you were unable to work through sickness accident or unemployment.

 

As a result, I am rejecting your complaint and this letter represents our final response"

 

I'm obviously not happy with the decision but I can't work out why it has been rejected. The reasons don't make sense to me. I was self-employed, they haven't said that I would have been covered so I am assuming I was exempt from the policy. I know I wouldn't have bought it had they told me I wasn't covered so surely, I have been mis-sold it - either by them asking my profession and ignoring it, or by not telling me I wouldn't be covered if I was self employed?

 

Why is there this emphasis in the letter about not having any other means to cover my loan repayments? Surely I take out PPI because I have no other means to cover it so that point is irrelevant??

 

Sorry for the long post- I am trying to decide whether to appeal as the letter also says I can do that within 6 months to the ombudsman, I just don't want to make an argument that isn't valid and waste my time if someone can point out what it all really means.

 

Thanks for looking and Happy Christmas!

Andy

 

 

Basically ppi is missold if u r self employed as you are paying a prem but r not covered therefore yes u need to take this to the fos

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Generally speaking the self employed are not covered by PPI policies.

 

It is a bit of a shame that you may have confused the poor chaps by telling them that

 

You stated in D.5 of the questionnaire that you would not have received any pay from your employer if you were off work due to incident, sickness or it you were made redundant. You also stated in section D.6 that you did not have any other means of making your repayments if you were unable to work through sickness accident or unemployment.

 

You did not have an employer and you could not have been made redundant.

 

You should challenge their findings first before going to fos.

 

They have admitted in their letter that their sales process may well have been flawed so you should put emphasis on this. You should also tell them that you could not have been made redundant and did not have an employer and of they are suggesting that the self employed were covered by their policy you want to have sight of the policy document which confirms this. They will not be able to supply it.

 

Accordingly they will have no evidence to back up their claims and you should win this.


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to give you hope:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?375014-Egg-Now-Canada-Square-Operations-plc-LOAN-PPI-SUCCESS&highlight=Canada+Square+Operations

 

just remember they have said:

 

and this letter represents our final response"

 

 

then it is not their final respnse

 

more like a fob off letter.

 

dx


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