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    • Hello.  Do you mean the first notice to keeper? That was the 12th July.  Notice to driver via ticket 5th April.  The driver didn't have a permit. The car park was entered thinking the sign directly in front of the car belonging to local council was for that space (the photos are in post 6).  There was a sign on the wall but wasn't clear when driving in to the car park. It is in post 6 and on the wall. The "entrance" is just a gap in the walkway from the road.    I have sent the original ticket across. 
    • 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.
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Checkmyfile Duplicate Payment

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Hmm Strange one.


I joined Checkmyfile to run alongside Noddle because they offer extra info from Equifax etc.

I keep up on the subscription etc and have no issues with the service until now.


I was billed on the 7th April for £7.99 and i rang CS to cancel it as i was now going to stick with Noddle.

They cancelled it etc and Offered a refund. Later that day a second payment was taken for £7.99 without my consent and the subscription reactivated with no input from myself etc


Spoke to Natwest and they have confirmed it was under CPA Rules... I dont hold Natwest accountable as they were just following through and would have no idea of me cancelling the Subs...


Its clearly a system error on their end but i received this message...


Thanks for your message.


After cancelling your subscription and reciving a refund for the payment taken on the 1st of April you then logged back in and started a new subscription in the evening - a new report was downloaded at this time and so I can't offer a refund for this second payment on the 1st of April.


All payments made for credit report services are non-refundable, as set out in our terms, which you agreed to when signing up to the service.


Your subscription has been cancelled as requested, but I am unable to offer you a refund as requested.


If you wish to raise the matter further, please send an email to customer.care@checkmyfile.com stating ‘Refund appeal’ as the subject header – your email will then be dealt with by a manager.


I hope this helps but if you have any further queries please do not hesitate to get in contact.








I have emailed but i dont hold out hope... What else should i do?

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