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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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Fmcool

Lowell claimform - old HBOS OD Debt***Claim Discontinued***

style="text-align:center;"> Please note that this topic has not had any new posts for the last 811 days.

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get a CCA Request running to the claimant

leave the £1PO blank and uncrossed

.

get a CPR 31:14 request running to the solicitors

.

don't sign anything

.

wont hurt to do the above..

 

 

if the bank don't hold anything

I will guess its statute barred then as that tallies with what you are saying

 

 

this can be addressed in your witness statement.

 

 

get the CCA/CPR running.

I take it since the claimform [ or knowledge of the claim]

you have not asked them to prove their claim under CCA/cpr?


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I will try and send a request for the cca and the CPR.

 

When I received the DCA's letter informing me that a claim had been filed in the county court I had replied them requesting them to send me proof of last payments/contact to the account but not fully worded as the CCA/CPR request samples on the forum

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try = no do it!!

 

 

CCA cannot be ignored its a legal request

at least get that running tomorrow as a matter of priority...


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Am sending the letter off today.

Today also,

I have just received an E-mail for invitation to mediate via telephone service,

 

 

my question is

1. Should I still send the cca off

 

2. On the email I received,

it stated if I can answer yes to all the 3 statements mediation is available.

 

 

One of the statements is

"I can confirm that I have enough information about the claim to allow me to enter into negotiations and that I do not require any further evidence from the other party before I can mediate"

 

 

my answer to this will be no as lowell is yet to send me the proof of last payment since I have asked then 2x over a month ago.

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you answer yes until the actual mediation phonecall

THEN you say NO

 

 

please get your CCA/CPR running

you are losing time.

 

 

dx


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you answer yes until the actual mediation phonecall

THEN you say NO

 

please get your CCA/CPR running

you are losing time.

 

dx

 

 

Am a bit in a panic as I have the telephone mediation tomorrow and don't know if a deal will be reached as the claimant had failed to supply me with the requests I had asked for about 4x now.

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so post 30 tells you what to do nothing to panic about...

 

 

dx


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

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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

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The CAG Interest Tutorial Read Here

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so post 30 tells you what to do nothing to panic about...

 

 

dx

 

What's post 30 pls, where do I get that?

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you quoted my [last] post [#30] when you posted today with your question!!


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Mediation wont proceed once you inform the mediator you are not in a position or possession of all the documents.....thats assuming you need the documents to mediate and wish to reach a settlement.

 

Andy


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Update!!!

The mediation failed eventually as I was not agreeing to settlement.

 

 

The court then sent a letter of details of the hearing to be end of September.

 

 

2days ago I received a letter from lowell solicitor informing that their client has informed them to discontinue the claim and a copy been served to the court.

 

Oops! What a great relief reading that.

 

 

I cannot thank you guys enough for your support especially your speedy responses,

glad I found this forum.

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hey you won!!

 

 

well done CAG

 

 

dx

 

 

 

 

 

 

 

 

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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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Good news FM......thread title amended to reflect the outcome.

 

Regards

 

Andy


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 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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