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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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creative89

help with job seekers diary

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Hi

after 33 years of employment i now find myself out of work when the place i worked for got rid of 35 of us, In my trade (printing) there is about 0% chance of getting another job at my age (51). This is made worse by the fact i also suffered a heart attack last august

 

Anyway went to job centre and signed on and i have to do 21 activities a week while my mate who worked with me only has to do 8, anyone know why the difference?

 

As to job seekers diary am i right on thinking that if i look at 1 job site that counts as 1 activity so if i look at 2 different sites a day that will be 14 activities a week

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Hi

after 33 years of employment i now find myself out of work when the place i worked for got rid of 35 of us, In my trade (printing) there is about 0% chance of getting another job at my age (51). This is made worse by the fact i also suffered a heart attack last august

 

Anyway went to job centre and signed on and i have to do 21 activities a week while my mate who worked with me only has to do 8, anyone know why the difference?

 

As to job seekers diary am i right on thinking that if i look at 1 job site that counts as 1 activity so if i look at 2 different sites a day that will be 14 activities a week

 

What exactly are these activities?

On your jobseekers agreement in the 'what I will do to identify and apply for jobs' section (page 3) it should say what the activities are ie: write to 10 employers per week / visit 5 employers per week / search direct.gov 7 times per week (thats mine...lol) and at the bottom of same page any other activities - apply for 3 jobs per week in my case.

 

The difference will be solely due to the 'advisor' you've seen and their mood on the day i.m.h.o. Some are great, understanding and actually helpful, others , well, lets not go there :wink:

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should have read the mountain of paper work

 

 

says on mine

 

check universal jobseach site x 7

check indeed website x 7

check my universal jobsearch account x 7

 

nothing else so pretty easy, i'm waiting for meeting with disability advisor at end of jan as i am unsure of what work i am able to now as GP has advised heavy lifting is out

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21 steps a week seems a bit punishing to me. I am only requested 3 steps a week. Am I lucky? By the way it's easy to make 21 steps a week, that is 7 a day.

 

Day 1: 1) Looked on the Universal Job Match website (no suitable jobs)

2) Looked on Totaljobs website (no suitable jobs)

3) Looked on Monster website (no suitable jobs)

4) Looked on Monster website (no suitable jobs)

5) Looked on Jobsite website (no suitable jobs)

6) Visited agency xxxxxxx; asked my age, laughed at my face

7) Visited agency yyyyyyy; asked my age, laughed at my face

 

Day 2 to 7; same as day 1.


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

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Hi

after 33 years of employment i now find myself out of work when the place i worked for got rid of 35 of us, In my trade (printing) there is about 0% chance of getting another job at my age (51). This is made worse by the fact i also suffered a heart attack last august

 

Anyway went to job centre and signed on and i have to do 21 activities a week while my mate who worked with me only has to do 8, anyone know why the difference?

 

As to job seekers diary am i right on thinking that if i look at 1 job site that counts as 1 activity so if i look at 2 different sites a day that will be 14 activities a week

 

 

Well, not sure why your activity targets are higher ... I currently have to undertake 6 jobseeking activities a week, although I'm actually doing everything I can but just don't have the energy left to complete the form completely each week.

 

I'm 59 .... perhaps they should just put me out to pasture so that I can crochet all day! :wink: (Before anyone starts, that is a joke - of course!!!!!) Can't wait to get back to work.

 

Keep smiling.

 

Impecunious! :wink:

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If you feel the amount of job seeking stuff you have to do per week is unreasonable, you can book an appointment to get it changed.

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Each job seekers agreement is based on the individual and their skills abilities etc, so if you have an email address and internet access it is not unusual to automatically be asked to check emails daily, and check gov.uk daily, then to look at the local paper on the jobs supplement page however often that is printed/updated online (usually once a week), and then to ask friends and family, and contact recruitment agencies 3 times a week, by my reckoning that is a total of 19 steps a week.

This is subject to change as someone may not access to internet and would need to access at alternative places (job clubs, colleges, libraries etc) so they would obviously only be able to attend when the building is open to the public and then to visit the jcp daily to check jobpoints so thats 5 activities.....

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I had my first WFI yesterday and my advisor changed my jobseekers agreement from 3 a week to 8 plus been given other stuff to do on top of that, I've only been claiming since 20th december, also have to do a 2 week programme starting monday.

21 a week seems a bit steep to me and like others have said it must depend on whether you have access to the internet etc

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