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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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tutphish

Payplan for 13 years, decided to do something about it

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it wont hurt no.

 


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well i haven't heard anything from any further creditors...

 

I did notice that a Capquest/Black Horse debt was still showing on my credit file, going back to 2005. I then checked my paperwork and found a Black Horse default notice dated 2010, so queried it with Experian and Equifax to have the account removed.

 

Equifax quickly replied to say it was my job to chase the creditor directly, but Experian replied that Capquest has no record of the debt ever being defaulted therefore the records were correct.

 

My worry, and it might be a bit paranoid, is that sending a copy of the default notice to them would give them more information on the debt than they currently have? Is that true or am i worrying over nothing? Also is there a letter template for getting credit files updated? Thanks

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this is why we always say deal with the owner not the CRA providers typically

 

send CQ a copy of the DN 

give them 14days to removed the account from all CRA providers else you'll be opening a serious complaint with the ICO and be seeking financial compensation 

 

time to dump PP payment me thinks too.


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

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PP payment already dumped!

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:rockon::rockon::rockon:

 

moo cash cow removed

wait for the little piggies to start squealing..


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

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Posted (edited)
On 28/06/2019 at 10:44, tutphish said:

I have been looking at putting a letter together for Lowell regarding the combined HSBC Overdraft/Loan debt.

 

In reply to your letter dated 18th June 2019 you have stated that the account you are pursuing me for is an current account overdraft. I have never had an account with an overdraft limit of over £17000 which you are claiming, therefore I dispute this debt.

 

Do i need any more than that? Should i be asking them for a copy of the overdraft agreement? Or let them just reply to the above?

 

Lowell have replied - attached.

 

They seem to be splitting hairs over current account vs overdraft, and then said i need to provide documentation to dispute it?

lowell reply to not acknowledging debt.pdf

Edited by tutphish

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Beggars belief ...how can you have a debt on a current account without an overdraft.....no point writing to a DCA they simply do not understand logic..common sense...and in particular finance.

 

If you must.....ask them to provide proof of the agreement and the credit limit or better still simply ignore them..its really not worth the stress.

 

Andy


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Ive had another pair of letter replies. Both from DrydensFairfax - one regarding the HSBC credit card requesting payment, which came a week after one for the same account acknowledging the debt was unenforceable. So i know to ignore that one.

 

The second letter from them was regarding a Barclays OD (attached). I *think* am ignoring this one too from what i've read on this site, or should i be replying to it?

dydens fairfax barclays request for payment.pdf

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Lol @ it must be completed 

 

Only a Court, HMRC or Council Tax have the right to ask for an income & expenditure form

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Sorry but never enter into pointless letter tennis.

ignore until or unless you get a letter of claim


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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