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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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Im going through an issue with work. Im finding the union is a little laid back. Nothing too major yet, but they're very reticent regarding action.

 

Im a little worried they might be weak in the face of my Tribunal (They're the same ones who work with employees of a company which rhymes with 'Besco')

I've been so worried ,I've approached a private company who do work on a 'fixed fee' basis. I can afford to go down the fixed fee route. I want to make sure my ex-employer really isn't left off the hook.

 

Would anyone recommend a best route? Its the first time I've ever done this in 25 years of work. Im not asking for definitives, but in the face of an ineffectual union ,but with unlimited access to legal cover, or go for a fixed fee from a firm which I'll be the main focus ie. they'll be working directly for me.

 

Are union legal cover as effective as paid private action?

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I would say, given the choice, it's probably better to go with a solicitor of your choice.

 

In my experience, unions will either conduct the work in house, send the work to a referral team of semi qualified paralegals who keep the work in house there, or refer it to their panel solicitors who generally do the work for a low fixed amount.

 

A no win no fee qualified solicitor will be more likely to work hard on the case, in my opinion. They need to get the right result to get paid for the job!

 

The other option is to see if you have legal expenses insurance under your household contents insurance policy - in which case you could invoke your right to freedom of choice and find a reputable firm.

 

It's a matter of personal choice though.

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Take advantage of the legal plus if it's more of a legal issue which your membership covers and take it from there.


All information given above is purely my own opinion. Some based on personal experience. Where backed up by case files I will make that known. However, until then please take all of what I say with a pinch of salt and accept it only as a reference. :madgrin::madgrin::madgrin:

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Might edit your post Bill... calling company into disrepute when looking at your whole posting history, and so on....


Never assume anyone on the internet is who they say they are. Only rely on advice from insured professionals you have paid for!

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Cant call legal plus as it has to go through the rep first. :( Or he'd say 'why did you do that? I was dealing with it'

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Most companies will use tactics we don't like. Highlighting that in my opinion does not meen your bringing them into disrepute. However point taken and post edited.

 

Bill


All information given above is purely my own opinion. Some based on personal experience. Where backed up by case files I will make that known. However, until then please take all of what I say with a pinch of salt and accept it only as a reference. :madgrin::madgrin::madgrin:

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use the union. Get a full time regional officer involved rather than your local reps. Contact head office if the branch wont get off their backsides to help. The legal help will cost you nothing via the union and their solicitors are better than any no-win no fee people, trust me.

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