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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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Hello everyone,

 

I am a social housing tenant have been for the past 28 years, I need to have my bathroom adapted to a walking in shower basically I would not mind if they just remove the bath and replace it with a shower instead.

 

For years I have suffered with rheumatism in my joints at the moment I am in severe pains with my knees and elbows both of which I cannot put any weight on at all I am wearing knee support at the moment but not much help my knees are still very painful as I am getting older it is becoming more and more difficult for me to get in and out of the bath now I cannot use my bath at all and are using the basin for bathing which I am finding very difficult and and also it's making me feel quite degrading and upsetting!

 

Before I approach my local social housing people I would like to get as much advice as I can! I am on Income Support under ill health the council already few years ago had to replace my bath panel to a stronger one as I was having great difficult leaning over the bath to wash my hair so the already know I have had problems before.

 

I haven't been to my GP about my current circumstances because I have seen on the doctor's reception desk that doctors are not allowed to write letters to the social housing authorities about patients' needs.

 

Can someone please advise me the best route to take and who do I need to contact for help with the replacement of my bath any help or advice would be much appreciated.

 

Many thanks in advance

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Similar situation to my OH. Contacted the GP and ask they arrange an Occupational Therapist came and assessed her needs. All done and now just waiting for work to be done.


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Hello there.

 

My mother has been told that sometimes social services will pay towards this sort of work, if I've understood this right. It may depend where you live. Has this happened with you, PT?

 

HB


Illegitimi non carborundum

 

 

 

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I contacted Social Services direct and they arranged an assessment for me. I had to wait about 4 weeks for them to visit. They didn't ask for any medical evidence or information from my GP.


RMW

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Thanks everyone for your replies some great advices there I shall get in touch with social services in my area and keep fingers crossed I can get some help I so need a shower cubicle instead of using the bath well I can no longer use my bath no more it's so painful to get in and out and to have a bath!

 

 

 

:)

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Hello there.

 

My mother has been told that sometimes social services will pay towards this sort of work, if I've understood this right. It may depend where you live. Has this happened with you, PT?

 

HB

 

With our Local Authority both NHS & Social Services work hand in hand with each other. The assessment has now been made that the bath is to be removed and a walk in shower - not wet room - is to be provided. Like everything the sticky point is costs but the County Council have a fund for this as it is Grant Aided, but as it is the start of the financial year this should not be a problem. It was also realised that her wheelchair had seen better days and a new one requested - this arrived within a fortnight. All I can say is just keep harrying them just so they know you have not forgotten.


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With our Local Authority both NHS & Social Services work hand in hand with each other. The assessment has now been made that the bath is to be removed and a walk in shower - not wet room - is to be provided. Like everything the sticky point is costs but the County Council have a fund for this as it is Grant Aided, but as it is the start of the financial year this should not be a problem. It was also realised that her wheelchair had seen better days and a new one requested - this arrived within a fortnight. All I can say is just keep harrying them just so they know you have not forgotten.

 

My aunt got a walk in shower done during March this year, but she did not have to get a grant as the council OT recommended it and she is social housing. She initially only wanted to have a her bath moved a bit to help her getting in and out of the bath, as the bath was only 2 years old as the sink and toilet, but the OT said she was thinking of her long term needs.

 

The works were a complete disaster with LA workmen as they put in the wrong shower and does not work at all. She was without a toilet for 5 days, as they took it out and did not reinstall it for 5 days, it is only a small bathroom. She would not have went through it if she knew what was going to happened. Afterward she found out that the people that was sent to do the work were self employed and used to be employed by the council as direct workers. They left the council and were working as self employed through that they set up to do this kind of work for the council. It was hell as one of the men did not do any work and was always on the phone and did not turn up most days, also they were very critical of my aunt getting the work done by the council. :-x

 

She said that she would not have entertained them if she had any idea of what was going to happened. She wanted to keep the sink as it was right for her needs but they took it away and put one in that was not useful of her needs. The shower is not working and she is in contact with the council about it but they are on the side of the workmen. :-x

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I'm sorry to hear of your Aunt's experiences. Rather than have to fight the Council herself she may be better enlisting the help of her local Councillor(s).


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