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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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spring6

spring6 v egg

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Hi all, have now turned my attention to egg...have downloaded statements on-line and sent the first letter claiming charges back for the last year - I have also sent SAR request for last 6 years in total...the wait begins...but at least it's underway - following other threads with interest

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Have now received letter advising me my complaint may take 8 weeks to investigate... will stick to my TT though. Also received their form with the 3 options for charges summary. Have started claim with the 12 months I got on-line and will add rest when I receive it. Does egg send information within the timescales they set out in the letter?

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Hi Spring6.

 

Egg gave me an initial date which was 2 weeks later than what it should have been. However, they suddenly kicked into action and responded not long after 40 day expiry. Possibly because i keep refusing to deal with the DCA telling them the account is in dispute until i've clarified the balance!!!

 

i didn't mind how long it took because i'm not making payments while it's being disputed. See how it goes, let us know when they get in touch :)


I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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cheers Hopeful1 will do - and will follow your progress too - patience not my greatest strength and everything takes so long.................

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Hi all, I've now received the rest of my statements from egg. I've had no further response from them about the claim I started for the years worth of statements I was able to get on-line so I'm going to add the two together and file with MCOL.....

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A straightforward letter to Egg in plain English, accompanied by a spreadsheet itemising the charges and interest reclaimed, was sufficient for all other claimants over the past 6 months, usually getting paid within a week.

 

By all means use MCOL, but it will cost extra, and will take longer.


 

 

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will give that a go then thanks - sadly so far have just had the standard .. it will take up to 8 weeks to investigate your complaint...

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To whom did you address your letter? Try Emma wotshername the manager. Not only has she been efficient, the letter I got from her was even courteous. Have to bear in mind the peak holiday season of August is upon us.

 

A few claimants were paid within a day or two, at least the notification of forthcoming Egg payment, which was as good as gold.

 

GL.


 

 

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I have addressed it to a Jeanette Hadfield in the Customer Relations Office because she wrote to me. I can change it though - do you have a full name and address? Thanks for your help Mistermind it's v much appreciated.

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In this peak holiday season try address it to

 

Emma Clayton OR Guy Harrison.

 

Both have been known for prompt efficient action. Guy refunded Irishrose in one day, and Emma is known for her courteous intelligent letters. It has become quite civilized, civil, even pleasant with Egg now, but it seems you could get varying responses depending on who handles the case.


 

 

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Have sent it off - amazingly got offer to settle today for first half of my claim which is just over £100. Egg has offered me £4. Do you think it's an error is egg serious?!

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This is the standard Egg template letter saying they have already done their duty reducing £20 charge to the OFT-specified threshold figure of £16 (special dispensation for Egg, £12 for others).

 

If you send back the equally standard CAG template letter in moc1982's winning thread, you should get an offer to repay in full by return of post.


 

 

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cheers, I now have a combined claim - they have offered £4 total though not £4 difference per charge applied.

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Egg reduced their £20 charge to £16 round about July 2006. I would deduce from your £4 offer from Egg, that you incurred just one £20 charge before August 2006, plus 5 or 6 £16 charges after that time. Egg is not taking the mickey, this is a ritual dance with fixed steps, like the cha cha cha.

 

Your move next -- the moc1982 template letter step from you, to be followed by Egg's template repayment of all charges, by return of post probably.


 

 

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As you all predicted egg have now settled for the amount I said I would accept and have been very easy to deal with which is a relief.

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Well done spring6, trust you will have a pleasing fizzy drink? ;)

 

Once again a claimant has happily pocketed the return of his money. Once again the word easy has been used.

 

All who have not done so, roll up, roll up. It's easy now, but it won't stay easy much longer.


 

 

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You must be psychic - I do have celebratory refreshments - thanks for your help everyone.

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:D Well done Spring6. I'm glad that was a pain free event!! Enjoy the refreshing beverages! :p

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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