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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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PCW-Victim

What an absolute shambles at PC World Plymouth

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Well folks, back in October 2014, I was seeking a good new computer and at PC World in Plymouth

I came across am Asus All-in-One ET2020 PC for just over £300. I purchased the new computer

 

 

after thinking about it for a few days, also decided to take the care plan at £4 per month believing that it would give me all round protection should anything happen.

 

on the 17th February 2015, the worst did happen when the PC developed a fault with the TV tuner card.

I duly took it back armed with my care plan agreement and all receipts to the PC World Plymouth store

 

 

I was greeted by an awful Knowhow assistant who kept insisting that it had to go back to Asus and that it would take 28 days.

I told him that my care plan guaranteed me a repair or replacement within 14 days, that is what I have been paying for each month.

 

I had to get the assistant manager involved, who quite frankly was not much more help, but he did agree to send it to their own repair centre in Newark,

and he assured me that it would be repaired within 14 days, probably coming back a lot sooner.

He also stated that I would be able to track its progress all the way, this was not the case.

Now the care plan also provides a like for like loan pc, but they did not have any at the store.

 

I needed my computer for work and without it I would be loosing £80 per day in income,

I agreed that they could provide a loan pc delivered to me the next day.

 

 

Well that did happen on the 18th February 2015, but the loan was a useless antiquated laptop.

I could not use this for my work so found myself loosing even more income, and I was not happy.

 

Saturday 20th February 2015, I found out upon calling Knowhow that the PC was being sent back to me,

not repaired as the repair centre in Newark said it had to go to Asus.

 

 

My argument is why o why was I paying £4 per month for an useless care plan.

I complained to the store manager at PC World Plymouth to after much argument

agreed to refund me my money paid for the PC but not for the care plan.

At this time the useless loan laptop was returned to them.

 

on the 22nd February 2015 Knowkow delivered the PC back to me,

yes the PC that the store manager refunded on just two days before.

 

 

By this time I was preparing a court claim against PC World for my

lost income,

cost of calls

and full reimbursement of the care plan.

 

 

I sent their head office an email on the 22nd February 2015 stating that I would be withholding

the PC they mistakenly delivered back to me in lieu of my claim against them,

and offered then a settlement where the damages claimed would cover the cost of the PC,

with the known fault at a reduced cost.

 

on the 27th February 2015 I got a phone call from the assistant manager of PC World Plymouth accusing me of theft and deception,

far from the truth, so to protect myself duly delivered the PC mistakenly delivered to me, into his arms, realty felt like ramming it down his throat.

 

So you see dear British people, not only do they take your money for a care plan they had no intention to honour,

they then go and blame the customer for their own mistakes and then threaten the customers saying that the customer has broken the law.

I leave it for you to draw your own conclusions on this one,

 

 

but please, please, stay well clear of PC World, Currys, Carphone Warehouse, Knowhow and any other company associated with them. You have been warned.

Edited by PCW-Victim

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certain manufacturers fix their own equipment, asus and samsung are two of them, the care plan means your machine would only be fixed at newark if it'd been damaged and now not covered by manufacturer warranty.

however in the case of yourself, the time limit still applies and if the unit wasnt returned from asus within the time span, it will be elligable for write off under the policy. i know this cos i have literally done this for a customer last week. rang asus on the14th day to find out it hadnt been despatched, got proof sent to the relevant dept at knowhow from asus, got code within 48hrs for customer and have since received the repaired asus back in store to forward back on to newark.

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Read our customer services guide for the future


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Oliver, you must be the only good chap in an ocean of rotton eggs at that company.

 

 

I now get my computer equipment from an independent computer shop based in Abingdon, real excellent service at a much lower cost compared to the PCW shower.

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