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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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jonnietemple

Consumer come-back rights from being given bad advice? NOW SANCTIONED

style="text-align:center;"> Please note that this topic has not had any new posts for the last 1390 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

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Forgive me if I seem a bit angry but I used to be a member here asking for advice on how to avoid a sanction from my JSA signing.

I got what I thought was great advice at the time.

I implemented that advice.

I got sanctioned.

Is there any way I can sue CAG for giving bad advice?

Reading around the threads now with the "benefit" of hindsight, It seems that most site team and contributors are actually on ESA and divorced from reality and the world of work. If I'd realized this I wouldn't have followed their advice.

I'm now left without money for 3 months.

Thanks a lot.

Do I have any recourse for suing you people?

I guess if you actually knew what you were talking about then you wouldn't actually be on benefits to start with.

My bad then. But you've really ****ed me over.

Who can I sue for bad advice please?

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Well I'm sorry that you think that you have been so badly misled here.

 

Maybe you could point us to the thread where you received this bad advice and we could understand what has gone wrong.

 

As far as suing us, I don't think that there is anything that you can do. We make it very clear all over the forum that no one claims to be legally qualified here, we simply try to offer support and advice based on people's individual experience and we make it very clear that if you have any doubts then you should consult an insured professional – which we are not.

 

If you think that you want to take it up more formally than that, then you can email us on our admin email address – but as you can imagine we are unlikely to be very receptive to the idea of being sued by anybody.

 

We simply do our best.

 

Why don't you let us know little bit about the problem or point us to the thread


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You have to remember that we're mostly people who have been through the benefits system and not people actually working within benefits.

 

There's no one you can sue. You were not forced to take the advice.

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No but you Nystagmite, a professional player of the system to get every penny you think you are entitled to for a variety of self-diagnosed "conditions" should have known better

Please don't start flaming the forum and being disruptive. It won't help anybody.

 

Why don't you let us know what has happened. We may not be able to help but at least we can examine the mistakes that you say we have made.

 

Please don't put me in a position where I have to put you on moderation


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Perhaps you could let us know, under what name you previously posted, so we can see what advice was given ?


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Advice & opinions given by citizenb 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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Lots of people on benefits get sanctioned for the most mundane, lame reasons.......even when you wave a download of current law in a JC,s face to prove you are in the right you can still be sanctioned.

The good thing is everybody has the right of appeal 'within a set timescale'. Instead of complaining, get your skates on and appeal.

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Sorry.

I've had a chance to cool off now.

I'm man enough to say when I'm wrong, so I apologise for ranting.

I realise people post here for the best intentions to help.

It just seems that certain posters are waging an ideological war against the fact they have to jump through ANY hoops to get free money from the tax-payers.

They seem so arrogant and dismissive of anyone who works for DWP.

They seem to feel they have a god-given right to tax-payers money.

They seem so intelligent but ultimately can't get a job themselves (by their own admission because they too are on ESA/JSA) yet seem to dish out advice as if they are Lording it over us Workoholics who haven't lapsed yet.

Such intelligence matched with such a lack of self-awareness I find really problematic.

But it's not for me to diagnose personality disorders, so I will limit myself to say I'm sorry BankFodder. I was out of order. I will think before posting again. Sorry.

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Sorry.

I've had a chance to cool off now.

I'm man enough to say when I'm wrong, so I apologise for ranting.

I realise people post here for the best intentions to help.

It just seems that certain posters are waging an ideological war against the fact they have to jump through ANY hoops to get free money from the tax-payers.

They seem so arrogant and dismissive of anyone who works for DWP.

They seem to feel they have a god-given right to tax-payers money.

They seem so intelligent but ultimately can't get a job themselves (by their own admission because they too are on ESA/JSA) yet seem to dish out advice as if they are Lording it over us Workoholics who haven't lapsed yet.

Such intelligence matched with such a lack of self-awareness I find really problematic.

But it's not for me to diagnose personality disorders, so I will limit myself to say I'm sorry BankFodder. I was out of order. I will think before posting again. Sorry.

 

 

I've removed the moderation.

I realise that it must be very distressing to be in your position.

I'm sorry.


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Having read this today it may have helped you if this story had been available to you when you originally posted your question, as the answer's in this story and may have given you a different perspective on your question that link is here >> http://www.dailymail.co.uk/news/arti...-pay-back.html

 

 

or this one https://tinyurl.com/d9zyexh

 

 

It has also been posted on your other thread as well to assist other readers and posters...

 

 

As you may not be aware many regular posters have a signature and some state this is advice/opinion check out the advice before taking it or similar.. here is just one example

 

 

Advice & opinions given by ******** 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.

 

 

You could also read up on this too >> https://www.moneyadviceservice.org.uk/en/articles/benefit-sanctions-and-what-to-do-about-them


If I have been of any help, please click on my star and leave a note to let me know, thank you.

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