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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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stegly66

SPML/Acenden - Repossession.

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I'm looking for any help/advice anyone can offer re court hearing in 3 weeks for repossession, instigated by SPML.

 

I'll be as brief as possible,

 

the background is that I took out a £5k secured loan with London Mortgage Co in 2005 (which became SPML/Acenden in about 2010)

fell in to arrears of £400 in 2007 following redundancy.

They went for repossession which the judge  suspended with an order to pay the monthly payment plus £20 until the arrears were cleared.

 

I maintained this arrangement but the arrears continued to increase as they were adding monthly fees and charges directly to the arrears.

When I eventually noticed this, I complained but they said they were entitled to and they weren't doing anything wrong.

 

Unfortunately, I didn't refer this to the Financial Ombudsman within the 6 months time limit,

when I eventually did,

they said they couldn't help as it was out of time and SPML wouldn't give them permission to look.

 

Any payment arrangements made in the intervening years have been pretty pointless as the charges were always more than the additional payments so that by the time the loan came to the end of it's term in 2015, I owed them £17k.

 

Until this time, even though the debt has spiralled,

they have never once gone back to court to try and enforce the suspended repossession order. 

 

I feel that I have been treated unfairly but no one seems to be able to offer any advice as what to do in 3 weeks other than hope the judge also thinks I've been treated unfairly. I can't afford legal help and don't qualify for aid and bodies such as the Citizens Advice say they can give me debt advice but not legal advice.

 

Any constructive suggestions would be greatly appreciated as to what I can do to try and fight back or is it a pretty hopeless case?

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first thing, can you post up the statements of account and contract that gives them the right to add these charges? Also do you have the judges order that allows them to add interest to their debt above the actual principal (ie the money you borrowed)

You can most likely recover the whole lot plus interest and that will result in them having to pay you a very large sum of money, possibly more than the £17k debt

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what jokers a £5k loan now £17k

bet theres all sorts of

arrears fees

debt visits

phone

letter

fees that can all be reclaimed at their int rate

 

get the statements quickly!

sar tomorrow


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Thanks for your replies.

I've managed to get the statements and the original agreement,

just need to redact and then scan them so I can post them up.

 

I can't however find the judgement from the court.

I know I should have received it but I honestly can't remember ever seeing it.

 

I do though have the letters from my solicitor and their solicitor confirming the judgement but not sure if that's helpful.  I also have a few copies of their list of charges, which I've been sent whenever they've ben amended. I'll attach what I have anyway once scanned.

 

I have raised a slightly different complaint with them along the lines of not being treated fairly and in contravention of the FCA Handbook which they have obviously rejected but said I could go to the Financial Ombudsman if not happy with their response. I've nothing to lose by doing this so I'll submit that tomorrow, but they have said they won't suspend the court hearing regardless.

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