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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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GlossWhite

Payday loans - how far can I claim back?

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Hello,

 

It is now June the 8th, My complaints submitted on may the 2nd, I have only have one settlement from peachy.

 

The other companies have not bothered to email me or make contact, How long shall I wait until I take it further?

 

Regards

 

You have 8 weeks from the send date until you can send to the FOS.

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Hi All,

 

Its been a slow process, the 8 week period will be up soon, I have one agreed and settled complain with Peachy,

 

LS have made a offer but I declined and asked for it to be review with my terms,

 

QQ have point blank refused any wrong doing, So I will be forwarding it to the FOS.

 

Can anyone please help me, how do i go about raising it with the FOS? do I simple forward the emails to them? re-write a letter etc?

 

Thanks

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Right folks,

 

So far I have referred my complaint to the FOS for the following companies :

Lending Stream, Sunny and QuickQuid.

 

I reached an agreement with Peachy many weeks ago.

 

I am just waiting for a reply from:

Piggy bank (I doubt I will hear anything back, they emailed me once saying complaint has been received, and nothing more)

Satsuma

Uncle Buck

Mr Lender

 

 

On the 28th of this month, 8 weeks will have passed.

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Hey,

 

The below are now with the FOS

Lendingstream

Quick quiz

Uncle buck

Sunny

 

Satsuma have just asked for more information ! I am away in Spain at the moment. As soon as I am cl I will submit satsuma and piggyback to the FOS.

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Hi,

 

Its been a while!

 

Quick quid is settled, just under £2,000 refunded. The FOS ruled in my favour.

 

I still have 3 currently being investigated by the FOS

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Well done!!


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Welcome back GW - Thats so great to hear :) It wont make up for all the pain youve gone through but its great to have resolution to it all.

 

May i ask you to consider making a small donation to the site. You dont have too, but you donating helps other people get the advice they need :)

Any donations go towards our server costs etc :)

 

Also keep us posted on your issue itself and let me know when you get other responses back.

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