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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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Or maybe try to focus on what you CAN do, rather than looking for loopholes on what you can't?

 

Helpful, thanks.


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Just go for the wiring loom job and tell them about your colour blindness and they wont employ you any way

It is a waste of time and money for everyone involved if I were to do that, and furthermore if I did attend interviews that I knew I had no chance of obtaining, then I could be sanctioned for not actively seeking jobs that are suitable, for example if I only applied for jobs that involved heights, good colour vision and involved being transported around the country and mentioned my issues at the interview or failed the colour blind test, then it would be the same as only applying for jobs such as surgeon, pilot,teacher,doctor which I have zero chance of securing and would according to the guidelines incur a sanction, if that makes sense ?

 

Or maybe try to focus on what you CAN do, rather than looking for loopholes on what you can't?

I am pretty sure your statement is a contradiction in terms, but yes agreed I should focus on what I can do, rather than being distracted by people pushing me into what I cannot do.

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Me thinks this is getting sillier, my work coach on our second meeting again notified me for a vacancy, where I live there is no public transport running early enough to get me to the city in order to catch another bus to arrive at the job on time, so they said I could use a bicycle ride the 8 miles to town then catch the connecting bus and take my bike with me on the bus because they have seen people allowed on with their bikes.

 

The bus is used to take people to the airport so has large storage area.

 

Now I want some honest advice because I think I am going mad and finding fault with everything at the moment but really does that sound like a reasonable solution, what if 2 people want to bring a bike on-board, or the storage space is full with holiday makers baggage or push chairs prams, there is only so much space, am I to gamble everyday that I might not make it to work.

 

This journey would take me 1:45 mins each way according to Google transport and according the the decision makers guide journeys that take longer than 90 mins one way could be reasonable in some circumstances such as the claimant lives in a rural location without access to a car, there is not actual limit for how long it takes to commute, in fact if lets say I used to commute for 3 hours in my previous work then it would be reasonable for them to expect me to use that as my range.

 

Again what I consider a reasonable objection is just ignored.

 

I attended the interview and the was told that they wont take any one on who has to commute more than 45 mins to work, they were strict on that....... strange world indeed.

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Does it say in your JSA agreement that you don't own a car / don't drive?

 

It should also say how long you can travel to work for, regardless of how you travel there and back.

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Me thinks this is getting sillier, my work coach on our second meeting again notified me for a vacancy, where I live there is no public transport running early enough to get me to the city in order to catch another bus to arrive at the job on time, so they said I could use a bicycle ride the 8 miles to town then catch the connecting bus and take my bike with me on the bus because they have seen people allowed on with their bikes.

 

Does the hours of availability within your Job Seeker's Agreement or Claimant Commitment take in to account the times buses run in your area ?

 

If not, you need to renegotiate the agreement to ensure your available hours do not fall outside of the times scheduled services run. I'd also suggest contacting the bus company and enquire as to what their policy is on carrying bicycles. I know that some buses in the Lake District have space for bicycles to cater to the tourist industry, but capacity is limited, and if you try to use a bus that doesn't have the space, the driver will most likely deny access.

 

With winter just around the corner, I'm not sure I'd want to cycle along a narrow rural road in the dark and being forced in to the hedgerow by a drunken driver.


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No... you can't eat my brain just yet. I need it a little while longer.

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I walk to town and back a few times a week so riding a bike is not a problem for me, it is the fact that they expect me to gamble each day that there is a space available on the bus,any one with a modicum of common sense can see that is not sustainable.

 

Good idea about renegotiating or amending my claimant commitment as I put available any time without thinking it through, I have compiled a list of exceptions I will also be adding just to cover all the bases.

 

According to my work coach the doctor will give me a fit note detailing my health issues so best to get them all down so I wont be offered unsuitable vacancies in the future, fear of heights, fear of being a passenger in a vehicle, fear of spiders, moths, fear of the dentist, fairground rides, leeches, etc, then I am compiling a list of work that goes against my religious beliefs, I embrace all faiths so the list could be quite long and I do not want to miss anything.

 

Monty python springs to mind but it seems now I am a victim of harassment under the disability act .

 

My view is that phobias rather than being a mental health issue are more like a religion where it is based on belief system rather than concrete evidence,an exception based on religious grounds does not require a letter from the imam,priest,vicar,guru to confirm, so why should a phobia be any different.

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Yeah, some of them are indeed pretty "bulldog"-like :)

 

Actually, I'd really love to see some work coach push this to the point that it ends up at a Tribunal. It would be hilarious. Well, I wouldn't really like to see that happen because it would mean some poor job seeker got a ridiculous sanction, but the idea still makes me chuckle.

sadly it's only following such a adverse decision's that people go on to win at a tribunal and then hopefully the same or similar events are prevented in the future, but i have my doubts about that

 

Or maybe try to focus on what you CAN do, rather than looking for loopholes on what you can't?
Whoa, Have you been taking lessons from IDS,Who quit,? and this isn't ESA but JSA those blinkers are playing havoc with your eyesight , or you have been exposed to too much tory influence,

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I've removed a post for personal attacks. Please don't bother to post it again - I've got better things to do with my time.


PLEASE HELP US TO KEEP THIS SITE RUNNING. EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

The idea that all politicians lie is music to the ears of the most egregious liars.

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