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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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michaelt

Link Have just Defaulted a Barclaycard debt that was in a DMP since 2009 - help!

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Noddle as I queried it with them.

 

I have checked an old report and there isn't a default on there for the BC.

 

It is just showing the debt on the report but it shouldn't be now though should it?

 

Also that I am 147% over my credit limit but I don't have any money borrowed on credit card or overdraft.

 

How can I solve it ?

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if the default was registered all those years ago, no credit file provider

least of all noddle,

whom are only a re-printer of information they gandered from Equifax or Experian would know about it.

it removed from the file 6yrs after it was ever registered.

 

I have got the paperwork back from Barclay's which shows the account defaulted in 2006.


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ok I will send it to them ....the are just being difficult as they have added this in July.

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if you have proof from the original creditor that they registered a default on [date]

then you write to whomever has registered a new default giving them 14 days to removed their account totally

or you will raise a complaint with the I C O and will also seek financial compensation.

 

 

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

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The CAG Interest Tutorial Read Here

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it is the "registered" part that I can't prove only that the account did default.

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show us the evidence

upload it to ONE pdf


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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

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BC said they did not default the account but usually would of when a DMP is started. Plink defaulted the account in 2016. is it possible to get Plink to get it removed do you think?

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id be complaining to BC

the debt should have been defaulted around your third missed or short payment.


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I've made you a new thread about this Barclaycard

post here now regarding this debt.


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two pages of my thread has disappeared, anyone know why?

 

I come back again as I contacted BC and they said Link defaulted the account when they brought it in 2016 BC never did.

 

The guy said they usually would default once a DMP plan is started but they didn't in my case.

 

They recommended I speak to Link which I have sent them the photo shot

 

what they asked for of my credit record with this showing.

 

Should I contact them again or is it likely to be a waste of time?

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because I've started a thread in the Barclaycard forum

asked ages ago to split things away to own threads

 

even sent you a msg!!

 

so for the Barclaycard issue POST HERE PLEASE


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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

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so you now complaint is to BARCLAYCARD.

that they should have defaulted the account on the 3rd short or missed payment.


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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Thanks !!! Trying to understand the site as well as the whole Debt collection stuff .... thanks again for always giving me advice!

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