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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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Hi, I appreciate any help on this one.

 

My mum received a letter before claim from bw legal acting on behalf of pra group so we sent a cca request to pra group.

This morning she got a response from pra group saying that they were unable to fulfil her request as they have not yet completed the required security checks in order to verify her identity and sent the postal order back.

 

They want her to write or phone to tell them her name, date of birth and previous addresses even though we put her name and adress at the top of the cca request along with the reference no. from bw legals letter.

 

If anyone could give me some advice on how to respond that would be great.

I've sent cca request to other dca's in the past but I've never received that response.

Edited by dx100uk
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If they have an account reference number that should be enough for them to do their checks. There have been changes in the law regarding data protection and requests so you dont ahve to supply all of this to get the information held so it sounds like a stalling tactic to me and they dont have it but want the extra time.

Consider a complaint to the FCA about this but let them know that you are doing so and give them one last chance to either supply toe required information or to cease trying to collect monies if they believe that she isnt the account holder.

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whats this for a old PDL loan they are chasing?


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Thank you. I'll look into making a complaint to the FCA.

 

 

Yes it was a PDL from 2013 as far as I can tell from her credit report. It's not quite SB yet though so I think this is their final attempt to collect.

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If it's a PDL it's also possible this is an old QuickQuid debt as Mackenzie Hall used to buy those before they became PRA Group.

 

But I'm with fkofilee and think this sounds like PRAC Financial + BW Legal.

 

Think we've seen a couple of those go to a Court Hearing and be Dismissed by DJ?

 

As this is a PDL then consider an Irresponsible Lending Complaint as well :)


This is how I spend most of my life :ranger:

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And you should do a IRL with haste too...

We have sources that tell me that either Quickquid and Co Or Money Shop / Instant Cash Loans and Co will be the next ones to be put into administration / struck off...

 

Issue with ICL is that they have stopped accepting new loans in some capacity in all their online sites etc

 

We have also heard QQ have money issues...

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