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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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Skielah

PRAC/BWLegal re old PayDay UK loan - will court action be taken.

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a solicitor is not a creditor

they operate under the instruction of their client who is the creditor

which is why it should be sent to them in both cases.


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Sorry guys. I’m getting a little stressed and confused with all this info :???:

 

All I need to do is reply to BW and request the original credit agreement?

 

Is it worth asking for a breakdown of any interests/charges as I don’t believe I owe the amount they’re stating.

 

I have no idea if any interest or charges have been added Paydayuk helped themselves to various amounts of money from my account

 

I also need to write to payday uk direct to start an irresponsible lending complaint?

 

Sorry if I’m sounding a little thick here but I’m so confused on what I need to do

 

A

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Fko - which letter did you want me to upload? The one I received from bw legal?

 

I don’t have officelense - am I going to have to download it?

 

I could just copy the exact wording from the letter And type them on here if that would help?

 

I think I’ve figured out how to upload so if it’s the bw letter let me know and I will upload it

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Ford. Apologies if I don’t sound the brightest here but what am I checking for on my credit report? To see if they provided checks etc?

just to see whats still on there, for your info atm.

it might still show if any checks at the time, and any other credit/defaults at the time which could support to irr lending.

up to you, it may not be necessary atm, see what the guys think.


IMO

:-):rant:

 

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Lol fko Excellent - going to get it done tomorrow :-)

 

Just a quick question though. When I ask for a copy of original agreement etc - do I need to mention that I don’t agree with amount owed or do I leave that until they respond? Do I also ask for a full break down of interest/charges as well?

 

Will also get that IL claim sorted too

 

Thanks so much for all your help. Really, really appreciate it

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just to see whats still on there, for your info atm.

it might still show if any checks at the time, and any other credit/defaults at the time which could support to irr lending.

up to you, it may not be necessary atm, see what the guys think.

 

From what it seems there doesn’t appear to be any checks - I’m going to have another look and go through it properly though and see if there’s anything on it. Thank you for your help

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There normally wasnt any proper checks done pre 2015 :p

 

I just had a proper look and if they had done any checks they no longer show on my report LOL

 

I’ll keep you all posted of progress

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Please do

 

Will do. Thanks again for all your support

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Just send a CCA request to prac - don't change/add anything.

 

And get that IL complaint running to paydayuk

 

No need to do anything to BW


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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