Jump to content


  • Tweets

  • Posts

    • 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  
  • Our picks

whatshouldido192

Counterfeit 16+ Oyster 71 times - TfL refuses OOC settlement

Recommended Posts

Do we think he got sent down?

 

H


40 years at the pointy end of the motor trade. :eek:

Share this post


Link to post
Share on other sites

what for 71 no chance ever 


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 

 

Share this post


Link to post
Share on other sites

Well, where is he then?

 

H


40 years at the pointy end of the motor trade. :eek:

Share this post


Link to post
Share on other sites

Hey guys, I'm here. I've done my court hearing, pay a fine and still wait for the letter from the court, I'm getting a conviction but should be spent in 1 year. They didn't really specify on the day so I'm not too sure

Share this post


Link to post
Share on other sites

https://www.ukcisa.org.uk/Information--Advice/Visas-and-Immigration/Protecting-your-Tier-4-status

 

see the section on criminal convictions.

Do NOT assume your conviction will be ‘spent’ for immigration purposes if you have to extend your visa / seek ILR. You MUST declare it.

 

Not declaring it and it being found would lead to an absolute refusal and bar you from applying again (for ?10 years?).

Share this post


Link to post
Share on other sites

yes, I'm waiting for the letter from the court then I will declare it to the Home office right away

and yes, I understand that i still have to declare under the UK visa application even though it's spent

Share this post


Link to post
Share on other sites

Hi guys, so I'm back. Just an update for everyone, so I was at the court and pay my fine (a heaping £800). I didn't have the chance to talk with my prosecutor on the day, I managed to apologise myself on the day so I think that was alright, paid my fine on the day and got a letter confirming that I have paid the fine as well.

 

However, weird thing, I didn't hear the court saying anything about enter in my record at the end of the hearing. And also today I was doing my DBS check and no record showing that I have anything up there, so my record was clear. Do you know if this is a delay or something because it has been 2 months since my court hearing. I also received no letter from the court ever since.

 

Also before the court hearing 1 day, I talked to another solicitor and apparently the charges against me was never supposed to be in my record ( like speeding ticket from what I remembered correctly but seems a little bit bongus tbh)

 

So anyone had any similar experience like this? Should I tick on the box [NO] for criminal record if they asked me in the future as my DBS check shown that my record is clear?

Share this post


Link to post
Share on other sites

Ring the court and ask?

  • Like 1

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 

 

Share this post


Link to post
Share on other sites

You can’t do an enhanced DBS check on yourself.

 

If you don’t declare it and the Home Office find it and conclude you have been dishonest in your declaration : almost certain refusal, and potentially an exclusion period, too.

 

That'd be way worse than declaring it.

If you declare it & get accepted, it can’t later “come back to bite you”. 

Edited by BazzaS
  • Like 1

Share this post


Link to post
Share on other sites

@dx100uk Thank you for the suggestion, so the lady at the court told me that since it's a minor conviction, it won't show under the basic DBS check and usually shown under the enhanced one. She has confirmed it is on my record and I will need to tick if I was asked

 

@BazzaS Thank you, I was confirmed from the lady at court as well. But I just want to reconfirm, I will need to declare it for any visa purposes; but if it's for jobs that doesn't require to (say 1 year from my court date), I won't need to declare it if I'm correct?

Share this post


Link to post
Share on other sites

“Jobs you don’t need to declare it” : so not exempt from Rehab of Offenders legislation

- once it is “spent” you don’t need to declare it.

 

Visa applications (UK and USA) better to always declare.

  • Like 1

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...