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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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dancingdogfish

lewis group/cabot doorstep caller

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Hi all,

 

Can anyone give me some advice on the following.

 

I found an envelope through my door with a card inside written/printed with:

the lewis group

For the attention of: Mr. Mrs. Ms XXXXXX XXXXXX

 

Our representative called today 11-1-13 at ................................

 

To discuss an important matter with you concerning, Client: Cabot Financial

 

Account reference number: Outstanding

 

Please contact our agent on: £825.75

 

To arrange a convenient date & time for this matter to be resolved.

(NB:Calls to mobile phone numbers are charged to you at your telephone providers mobile phone rate).

 

Agents Name: Mr O'BRIEN - CALL BACK - TUESDAY - 8AM

 

It is important to contact our agent urgently to avoid any possible further recovery action.

 

the lewis group ltd, Phillip House, 123/137 York Street, Belfast, Northern Ireland, BT15 1AB

Registered in Scotland / No. 127043

 

 

All of the parts in red were hand written.

I can't even remember what this is for, it has been passed around several DCA's, but has to be at least 5 years old.

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Ignore it. If the muppet does come, tell him to bugger off. DOnt even open the door. Just talk through it. If he refuses to leave, call the local police.

 

Also, that idiot could be breaking ICO guidelines by giving out details a debt when he doesnt know for sure that the person in question lives there.

 

 

Can i ask if the envelope was addressed and stamped?


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hi and thanks for the quick reply.

 

No the envelope was delivered by hand, it was also addressed to me and marked private in the smallest handwriting ever (all words max 1" x 1/8"),

but it was my 80 year old hubby that opened it because he was expecting a hand delivered letter himself.

But as I have never contacted any DCA's, they couldn't even be sure I live here, and the house is rented from my employer.

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Then you need to make a full complaint to the DCA's data controller, and possibly to the ICO too.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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and please dont phone the debt collectors, they are very good at scaring you into payments.


I know my rights Mr DCA I'm with the CAG......hello hello where you gone Mr DCA8)

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Hi,

Please send the following to the Compliance Manager at

the Lewis Group.

 

Ref: as given by them.

 

Sir or Madam,

 

I refer to the visit by Mr XXXXXXX to my home on xx xx xxxxx, please take note I have no knowledge of your company,

although I have now researched what business in which you operate and the unenviable reputation your business practices have earned it, please note I do not acknowledge any liability to your company or any 3rd party you may claim to represent.

 

You WILL also take note that NO further visits by any agent, representative or employee of your company are acceptable and will be treated as harassment and reports to the police and the OFT will be made regardding th conduct of the Lewis Group.

 

All contact MUST be made in writting no other method of communication is acceptable.

 

This letter is sent by Royal Mail Recorded Delivery and I will trace receipt.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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If you can't remember what it is for then check your credit file

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