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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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savvysaver

gov petition link to ban advertising of payday loans on television

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Thank you for posting this link.

 

I particularly dislike the Wonga one which seems so jolly and cosy and friendly. Nothing like the real thing as you can see from threads on this forum. :evil:

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My son was in big trouble with Wonga - I got him to phone them, & give them permission to speak to me. I told them (debt management team) he owed me heaps (true!) they froze the interest & made amicable affordable plan to come out of bank each month. I am collecting so much dirt on them all!!

We need everyone to copy and paste the link onto every other link possible..it only has 500 signatures so far! yes, nasty attractive cartoon people-so deceptive. Next time I see him, he'll sign a letter saying he owes me, & they will keep it on their record so they wont give him any more loans. Likewise the Money Shop..

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I've posted a link on another payday loan thread, so hopefully some of the Caggers there will come and sign here.

 

I am glad you got Wonga sorted out. They have been really awful to some people on the forum.

 

Last year I was burgled and lost some jewellery with great sentimental value so I started visiting all the loan/buy gold companies close to me. I was absolutely staggered when waiting in one to hear a clearly very bright and obviously working young lady ask for a loan, and she confirmed that she'd had them before. She was drinking a Starbucks coffee. Why would anyone in their right mind be buying take-out coffee when they needed a payday loan? Totally crazy.

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Thanks Desperate Daniella. Just spotted your post on my thread.

Usually i keep a sharp eye out for such things.

I missed the epetition.

Nice idea Savvysaver to post on.

Will do.

I will also check the epetition thread is it on there.

Perhaps you could put it on there if it is not. Give me a shout if you need any help.

Link here.

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?357-e-Petitions

 

 

 

Signed

hm_gov.gif?1364282144

Accessibility Home Search published e-petitions

 

Thank you.

 

 

Your signature has now been added to this e-petition.

Click here to view the e-petition

Edited by tawnyowl

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Just signed the petition.

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Hi tawnyowl,

 

I'll check the petitions. Thank you for reminding me.

 

I think radio advertising should be banned too. The Wonga one is just too jolly and user-friendly. It all sounds such fun that you can't ever imagine such lovely people could turn so nasty.

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Hi tawnyowl,

 

I'll check the petitions. Thank you for reminding me.

 

I think radio advertising should be banned too. The Wonga one is just too jolly and user-friendly. It all sounds such fun that you can't ever imagine such lovely people could turn so nasty.

 

I agree. Not only that there are 2 radio stations that I listen to who have also ran competitions in association with a PDL.

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I agree. Not only that there are 2 radio stations that I listen to who have also ran competitions in association with a PDL.

 

That is outrageous. The owners of the radio stations should be ashamed of themselves.

 

What was the prize? A loan where you pay only half their usual interest?

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Something even worse. They have multiple adverts running at the cinema now. Although they only seem to advertise on 12a and above.

Edited by renegadeimp

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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It's ages since I've seen something 12a or above at the cinema. My cinema viewing is dictated by my nine-year-old. She'd love a payday loan. (No chance.)

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That is outrageous. The owners of the radio stations should be ashamed of themselves.

 

What was the prize? A loan where you pay only half their usual interest?

 

I can't remember the first one because it was on a station I only listen to in the morning. The station though is very popular.

The other one is you have to guess an amount of money. You phone in, guess the amount between 2 amounts already given and win if you get it right. Obviously in this day and age its was quite popular.

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signed. Wonga is really getting up my nose with their ads, seems they now have the money to go from puppets to computer generated animation. Nasty

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signed! the wonga one actually upsets me, its on the radio every ad break when i work, even at work i cant get away from these people. ban ban ban

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I saw a new Wonga one last night. It actually implies that you can fix your own terms. I think I will phone them up and say I want to borrow £1,000 and I'll pay back £1,001 at the end of the month. That would be fixing my own terms, wouldn't it? I'm going to watch it again, and maybe see if they can be reported to ASA.

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Haven't seen that one - will look out for it. We so need to get them into real trouble. They want to float on the stock market, but are waiting to see what clampdowns the Gov are going to make. Joke! we know the answer, just ban advertising etc & make them all financially unviable.

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I recently had to go into the Money Shop. after speaking to them about my sons loan with them on the phone - I'd paid them money with my d card - which they had no record of, meaning my son still owed them! I took in a verified bank statement proving it, and the ref number they gave me but it still took over two hours of me being in there before they classified it as a misc. payment. I got my refund, paid a reduced amount to clear sons account ( £210 instead of 330) plus I've put in a complaint & requested compensation for my wasted time, stress etc. t.b.c...Oh, (belated reason for post lol) while in there, witnessed many customers either requesting they pay the minimum off their loan, or requesting rollover, or I heard them say they needed one to pay their bills. These were men in working clothes straight in there from work..so sad.

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