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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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Hello

 

I have been posting on the general debt forum, but have been asked to post details on here too - any help would be massively appreciated:

 

 

MyJar - £800

Satsuma - £1000

Wageday Advance - £150

QuickQuid - £400

SafetyNet Credit - £250

Drafty - £280

 

The above are all PDL companies who I have borrowed from recently. Drafty is a RCF with a credit limit of £300 of which I am paying approx £18 per month. Satsuma is a monthly payment of £160 for 12 months commencing at the end of May, My Jar is meant to be paid at the end of April (first payment) of £230 for six months. SafetyNet expects the full amount at the end of this month, WDA is due in three separate instalments, as is QuickQuid.

 

Thank you so much

 

x

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You have Vodafone listed twice - once as being collected by Lowell @ £920.47 and the other listed as Vodafone @ £128.48 ??

 

Hi yes that is correct - there are two separate accounts

 

Many thanks

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HI Abbieno - Ive separated the thread for now and lets get to work with your PDL issues.

Put dates etc here of all your PDLs and how many you have had and ill work through it either today or tomorrow.

 

Hey good evening

 

I am so grateful, thank you for taking the time to help me.

 

I will collate all of the into a spreadsheet tomorrow morning and upload as a PDF

 

Thanks again

 

X

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HI Abbieno - Ive separated the thread for now and lets get to work with your PDL issues.

Put dates etc here of all your PDLs and how many you have had and ill work through it either today or tomorrow.

 

Hi, I've just been having a nosey on Provident's site and didn't realise that they own Vanquis bank as well - could this be another reason we can use the argument of irresponsible lending given that I owe money to Vanquis, which is on a DMP, or could it be that Satsuma wouldn't necessarily realise this when doing their checks?

 

Will post the info u requested tomorrow

Thanks again

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HI Abbieno - Ive separated the thread for now and lets get to work with your PDL issues.

Put dates etc here of all your PDLs and how many you have had and ill work through it either today or tomorrow.

 

Hi there

 

Thanks as always for the help!

 

I have uploaded all of the PDL info onto a spreadsheet and have saved it as a PDF document. It has gone onto two pages, but sits side by side, if that makes sense?

 

Thanks again

 

x

PDL info.pdf

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Out of curiosity, why would you think you have a claim for irresponsible lending? From looking at the loans you've had, it seems like you've taken a lot of loans in a very short space of time. You borrowed £1000 from Satsuma just 12 days ago and now you want to claim irresponsible lending?

 

On the 5th April you borrowed £800 from MyJar, then on the 8th April you borrowed £1000 from Satsuma and then on the 9th April you borrowed £150 from Wageday Advance, that's £1950 in 4 days and then 5 days ago you had £250 from SafetyNet Credit - I'm sorry but this is irresponsible borrowing, what on Earth are you doing with all of this money?!

 

Perhaps the only thing that may go in your favour is if you declared all of the outstanding loans at the time you applied and they still lent to you - were you honest on your application forms about your earnings and current loans?

 

I'm sorry it's not what you would want to hear, but personally I don't think you would have a claim at all here - what this looks like is you borrowing a lot of money and trying to get out of paying it back as now you've realised just how much is owed. Just my opinion and of course nothing personal here.

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Out of curiosity, why would you think you have a claim for irresponsible lending? From looking at the loans you've had, it seems like you've taken a lot of loans in a very short space of time. You borrowed £1000 from Satsuma just 12 days ago and now you want to claim irresponsible lending?

 

On the 5th April you borrowed £800 from MyJar, then on the 8th April you borrowed £1000 from Satsuma and then on the 9th April you borrowed £150 from Wageday Advance, that's £1950 in 4 days and then 5 days ago you had £250 from SafetyNet Credit - I'm sorry but this is irresponsible borrowing, what on Earth are you doing with all of this money?!

 

Perhaps the only thing that may go in your favour is if you declared all of the outstanding loans at the time you applied and they still lent to you - were you honest on your application forms about your earnings and current loans?

 

I'm sorry it's not what you would want to hear, but personally I don't think you would have a claim at all here - what this looks like is you borrowing a lot of money and trying to get out of paying it back as now you've realised just how much is owed. Just my opinion and of course nothing personal here.

 

Hi

 

Thank you for your post. In response to your apparent 'enquiry', I didn't approach this site on the basis that I thought I may have a claim for irresponsible lending against these companies and had in fact not even heard of it until some of the kind people on this site mentioned it to me. I approached the site for support - the subject heading was altered by one of the earlier mentioned kind people on the site to signpost them to it when they had chance to look further into it.

 

I appreciate your opinion and agree what it may be viewed as being by an onlooker, but you really are wide of the mark and to be perfectly blunt, I have no desire to go into the whys and wherefores with people who clearly express their views in such a manner. I would never judge anyone on here in this way and really don't think I deserved it. I hope you sleep well knowing how upset you have made me

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Havent Forgotten - Will look at this tonight.

Robbinghood. - Can i ask you to please be a bit fairer on the OP? Ta

 

FKO

 

Hi there

 

Thank you for your ongoing support.

 

Have a good weekend

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Let's not be so dramatic, I don't think my post was harsh at all - you won't always hear what you want to, especially on a public forum - this isn't the Samaritans. That said, obviously, I didn't want to upset you and if I did in any way, I apologise.

 

I appreciate that you may not have come here looking at irresponsible lending and that's the site teams fault for changing the title and giving that impression

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Hi RH

 

We changed it as the OP had 2 separate issues with A DMP and some Payday Loans.

 

So we decided to separate them out. I appreciate that everyone that's comes here doesn't always realise and yes, it is their responsibility to make sure that they are sound and don't over do it when it comes to debt etc

 

But at the same time the mind is a strange thing and people do weird things when under a lot of pressure.

 

All I would ask in the future is be a little more considerate when writing these sorts of posts ☺️ They come to CAG for help.

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Let's not be so dramatic, I don't think my post was harsh at all - you won't always hear what you want to, especially on a public forum - this isn't the Samaritans. That said, obviously, I didn't want to upset you and if I did in any way, I apologise.

 

I appreciate that you may not have come here looking at irresponsible lending and that's the site teams fault for changing the title and giving that impression

 

Hi

 

Thank you for taking the time to reply, I appreciate the apology and maybe I responded from an emotional angle last night. You are also correct that this is a public forum, but I would just add that to judge and give opinions would be better recieved if all factors were firstly taken into consideration.

 

No hard feelings

 

Take care

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Hi RH

 

We changed it as the OP had 2 separate issues with A DMP and some Payday Loans.

 

So we decided to separate them out. I appreciate that everyone that's comes here doesn't always realise and yes, it is their responsibility to make sure that they are sound and don't over do it when it comes to debt etc

 

 

But at the same time the mind is a strange thing and people do weird things when under a lot of pressure.

 

All I would ask in the future is be a little more considerate when writing these sorts of posts ☺️ They come to CAG for help.

 

Thank you, as always

 

X

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Morning Abbieno

 

I cant make heads or tails of what youve sent me im afraid... Even when trying to line them up in Word - it becoms a pain.

Could you please put it on a spreadsheet and then send it to us?

 

Once i get it I can then start getting to work.

 

Although part of what im seeing suggests that there were a lot of loans in a short period.

Oncei can get the full picture of the PDL situation then I can work on this :)

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