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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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Snupys66

Advantage finance CCJ settlement figure

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Has anyone had any dealings with a finance company call advantage finance ?

 

Took out a secure loan with its sister co communitas finance in 2007 for 15k

was making regular payment until I fell in difficulties

 

the loan I took out had a ppi of about 5k

I stopped making payments after I lost my job

they then got a CCJ

I came to an arrangement with them .

To make repayment which I have since 2011

 

I am about selling my flat

I call them in May2016 asking for a balance of account

they gave a figure of 13k

I didn't get this in writing and took theirword for it

 

I have statement from ending 2014 amount owed 14k

earlier last year I got letter saying my loan was now with advantage finance their parent company

CCJ was also transfer to them as well as LR .

 

I got my conveyance solicitor to contact them for settlement balance

in their reply the balance now owed 21kplus of £4 daily until settled

 

how can they suddenly increase amount owed.

I knew there was ppi on the account which I believe would be a bargaining chip for settlement .

 

In response to it I have now written them a letter including the statement I have for the account and cited ppi plus interest £7.5k threaten complaining to Fca ,

settlement offer 7k .

 

Does anyone have other way as to deal with this issue as I don't whether my tactic would work .or is there a legal way of dealing with this :

 

?:please help

 

someone tell me it's against ofcoms unfair guidelines

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Have you a copy of the CCJ judgement?

As that's all they can charge you


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Have you a copy of the CCJ judgement?

As that's all they can charge you

 

No I don't. but believe I can a copy for the county court .

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Was this a default judgement?

Or did you defend?

 

What is in the judgement box is all they can charge

Look for post judgemental interest mentioned and check its not mentioned in the agreement

 

I would be sending advantage an sar

As I'll bet they'll be £1000's in penalty charges and all manner of insurances to reclaim


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Was this a default judgement?

Or did you defend?

 

What is in the judgement box is all they can charge

Look for post judgemental interest mentioned and check its not mentioned in the agreement

 

I would be sending advantage an sar

As I'll bet they'll be £1000's in penalty charges and all manner of insurances to reclaim

 

I defended it on the onset but I believe judgement was in defualt .

just tried to obtain judgement on line but it's not showing on address the CCJ was more than 6years ago I think or could it be on my new address but CCJ was at my previous address .

 

Moving forward you are suggesting a SAR I will rather have loan reduced to to a settlement taking into consideration ppi what do you think ?

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I'd be getting every piece of info I could before going any further


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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I'd be getting every piece of info I could before going any further

Ok I will draft a SAR and send that also in main time I will await there response to my settlement letter

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Good news advantage has replied to my settlement offer £10 k goodwill gesture make big difference from £22k willing to accept this but devil in me says lower reason for high initial settlement figure frozen interest now waived

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then theres more to be had off the debt

 

 

write back thanking them for their letter

 

 

but indicate your financial advisor has advised an SAR which they must now be aware of

once this information is received and digested you will contact them again.

 

 

I cant find any link with communitas finance

 

 

can you expand?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Advantage owned communitas don't know if they still exist as advantage has absorb them I think . I they have the same business address in Grimsby search communitas ppi reclaim it come up

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