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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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Eitha22

Mum is 66 and disabled. Anything she can do to stay in her home?

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Hello.

 

My Mum lived all her life with her sister who bought their house under the right to buy scheme. Sadly, my aunt died prematurely last November leaving no will and an outstanding balance on the mortgage of 70k. House is worth about 120 approx.

 

The mortgage company are Amber Homeloans and are notoriously dreadful. They have merely sent letters saying she has 12 months to sell. In the meantime she is paying the interest only. My Mum is sole executor and has been granted letters of administration. Under intestancy rules she is only entitled to a 6th of the estate as there are 6 siblings (all comfortably off, married, secure) but 3 of them think they are entitled to their share despite my Mum being left with hardly anything to secure her future.

 

Just wondered if there was anything I've not thought of that would allow her to stay in her home :sad:

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I'm so sorry for your loss. What an awful position for your mum to be in. If it was a HA property it could be worth seeing if they might buy it back so your mum could rent again. At the moment she wouldn't be subject to bedroom tax although if the Tories get back in this could change in future.

 

How long ago did your aunt buy the property, how old was she when she got the mortgage and over how long?


 

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Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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My mum has lived in the house since she was 11. My aunt bought it (in a dreadful state of disrepair) around 10-12 years ago, borrowed more to do it up. It was shorter term mortgage due to her age. Essentially, she had 7 years left to run on the mortgage (she died at 58) but she struggled terribly keeping up repayments, this was further worsened when she became ill and couldn't work. It was bought from the local council but I believe all housing stock is now housing assoc.

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My mum has lived in the house since she was 11. My aunt bought it (in a dreadful state of disrepair) around 10-12 years ago, borrowed more to do it up. It was shorter term mortgage due to her age. Essentailly, she had 7 years left to run on the mortgage but she struggled terribly keeping up repayments, this was further worsened when she became ill and couldn't work. It was bought from the local council but I beleive all housing stock is now housing assoc.

 

Go to the HA that bought the council stock. I suspect that there will be a lot of charges on the outstanding balance so I think your mother should send a sar to get all the information they have about your aunt's dealings with them. As her executor I believe they have to comply but you'd need to check that out. There may be something in the ico website or give them a ring.


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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:thumb:

 

Do you know if there was ever PPI?


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Just thought - how is your mum executor without a will?


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I've probably used the wrong term eek. She was the one who applied for probate and was appointed to distribute the estate by the probate office. So, no will to execute but in sole charge ? Sorry, I'm rubbish at this. My aunt did have a ppi payout on a bank loan a couple of years before she became ill.

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I was wondering about ppi on the mortgage. It's very common for sub-prime lenders to sell it but for it to only be valid for 5 years.

 

I should think if your mum has been appointed by the probate office she could still send a sar or equivalent but check it out as I said earlier. That said, in the back of my mind I've a feeling that the data protection act doesn't cover people who've died, but I still think she should be able to get the info. The ico will know.

 

Hopefully others will be able to advise better than me.

 

Please let us know how you get on.


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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