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    • what solicitor is the PAPLOC from? then just search xxxx snotty letter dx  
    • moved to the debt self help forum. plenty of like threads here to read along with the ones you've done so far..good work. last thing you ever want to do is look at any kind of IVO/BK or anything alike concerning consumer debt, never do that, turns unsecured debts into secured ones in many instances. your best bet for now is p'haps looks at  Options for dealing with your debts: Breathing Space (Debt Respite Scheme) - GOV.UK (www.gov.uk) sadly you have to go thru one of the free debt charities to invoke that but DON'T be tempted to also open up a DMP with them, just get the Breathing Space done. get that in place that gives you at leasy 60 days buffer you've also goto to realise you'll probably get a default once breathing space is in place, bit if not it might pay you to withhold payments even after BS then p'haps re start payments once a DN for each debt is issued and registered. at least that way, whatever happens in 6yrs the debt will drop off dx  
    • Hello, I am a private seller and recently sold a pair of trainers on eBay.  Everything seemed fine until just after the eBay 30 day mbg had expired.  The buyer contacted me with photos showing me that both shoes had ripped.  He wanted his money back, and after refusing to refund him, he then left me retaliatory and defamatory feedback on my profile to the effect that I had sold him fake trainers (this was removed by eBay).  He then initiated a chargeback via Paypal.  Invariably, the outcome was in his favour, and I have now been charged for the cost of the trainers.  I would have also been stung for the chargeback fee, but eBay refunded this.  Incidentally, I do have the email receipt of the trainers from when I bought them from a well-established and bona fide online retailer.  The susbequent conversation with eBay followed its predictable course, i.e. the chargeback is out of their hands etc. I have been in contact with citizens advice, and my bank.  Citizens advice told me that as a private seller I'm responsible for the "Title and description" of the goods, but not the performance, or the fitness for purpose.  To me it is clear; if you receive something that's not as described, you don't then use the goods, and more than 30 days later claim 'not as described'.  In my mind, this makes the claim fraudulent.  He's used the 'they're fake' card to give credence to a 'not as described' claim here, obviously, without any evidence.  My understanding is that the chargeback is unlawful, because the trainers were shipped as described.  However, I read something on an eBay forum regarding sellers having no statutory rights, i.e. no right to appeal against a chargeback decision, or to complain to the financial ombudsman.  Does this mean that if my bank disputes the charge on my behalf, it will be to no avail, even if it's recognisably a fraudulent chargeback?  I have reported it via the Actionfraud website. Any advice, anyone?  Would be most grateful!
    • Thank you, I have drafted my letters and started to complete the reply form, printed from this site and not using the one they provided.    2 questions, on the forum link it says to tick box D & I, the reason for box D will be given on my thread, what would my answer be to "I dispute the debt"?  Do I send anything for the Vodafone debt they have included?  I've only done 118 loan s. 77 & capital one credit cards so. 78    Thank you  
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An Obituary printed in the London Times/says it all really


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because no one has posted on it for the last 2042 days.

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Start your own new thread

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Today we mourn the passing of a beloved old friend, Common Sense, who has been with us for many years.

No one knows for sure how old he was, since his birth records were long ago lost in bureaucratic red tape. He will be remembered as having cultivated such valuable lessons as:

 

- Knowing when to come in out of the rain;

- Why the early bird gets the worm;

- Life isn't always fair;

- And maybe it was my fault.

 

Common Sense lived by simple, sound financial policies (don't spend more than you can earn) and reliable strategies (adults, not children, are in charge).

 

His health began to deteriorate rapidly when well-intentioned but overbearing regulations were set in place. Reports of a 6-year-old boy charged with sexual harassment for kissing a classmate; teens suspended from school for using mouthwash after lunch; and a teacher fired for reprimanding an unruly student, only worsened his condition.

 

Common Sense lost ground when parents attacked teachers for doing the job that they themselves had failed to do in disciplining their unruly children.

 

It declined even further when schools were required to get parental consent to administer sun lotion or an aspirin to a student; but could not inform parents when a student became pregnant and wanted to have an abortion.

 

Common Sense lost the will to live as the churches became businesses; and criminals received better treatment than their victims.

 

Common Sense took a beating when you couldn't defend yourself from a burglar in your own home and the burglar could sue you for assault.

 

Common Sense finally gave up the will to live, after a woman failed to realize that a steaming cup of coffee was hot. She spilled a little in her lap, and was promptly awarded a huge settlement.

 

Common Sense was preceded in death,

-by his parents, Truth and Trust,

-by his wife, Discretion,

-by his daughter, Responsibility,

-and by his son, Reason.

 

He is survived by his 5 stepbrothers;

- I Know My Rights

- I Want It Now

- Someone Else Is To Blame

- I'm A Victim

- Pay me for Doing Nothing

 

Not many attended his funeral because so few realized he was gone.

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Old news I'm afraid. It was reported back in 1998: http://www.loriborgman.com/1998/03/15/the-death-of-common-sense/

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

No... you can't eat my brain just yet. I need it a little while longer.

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Old news I'm afraid. It was reported back in 1998: http://www.loriborgman.com/1998/03/15/the-death-of-common-sense/

 

[Link doesn't work for me]

 

And not from The Times according to Snopes, originated in USA (as an Essay in a newspaper, not in the Obituary column)

 

https://www.snopes.com/fact-check/obituary-common-sense/

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Old news I'm afraid. It was reported back in 1998: http://www.loriborgman.com/1998/03/15/the-death-of-common-sense/

 

So what!

 

I put this on to show how pathetic society has become,

I would say this is more relevant today than it has ever been

with PC gone crazy.

 

All these kids going to university for useless degrees, such

as Media Studies and as for phycology there must be that

many phycologists in the country that there must be enough

for one for each of us.

 

Going back to the original thread, there is one degree

not available and that’s one on common-sense, and without

common-sense none of the rest are relevant.

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Old news I'm afraid. It was reported back in 1998: http://www.loriborgman.com/1998/03/15/the-death-of-common-sense/

 

 

So what!

 

The point being that you plagerised an essay that is some twenty years old and then attributed to an incorrect source. Common sense would have suggested that you researched the post and gave credit to the original author. But in the age of the internet, few people really care about that sort of thing any more.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

No... you can't eat my brain just yet. I need it a little while longer.

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The point being that you plagerised an essay that is some twenty years old and then attributed to an incorrect source. Common sense would have suggested that you researched the post and gave credit to the original author. But in the age of the internet, few people really care about that sort of thing any more.

 

I beg to differ, he never claimed the essay to be his own work, in the thread title it was attributed to the London Times.

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I beg to differ, he never claimed the essay to be his own work, in the thread title it was attributed to the London Times.

 

Thank goodness their is some body with a bit of common sense, thanks Warren for your support,

I would suggest Mr.P that you read the complete article that you have named in you link, yes it is

about common sense but is totally different to my thread. And NO It not not plagerised.

 

 

Plagiarism | University of Oxford

http://www.ox.ac.uk › ... › Academic matters › Study guidance › Study skills and training

 

1.Plagiarism is presenting someone else's work or ideas as your own, with or without their consent,

by incorporating it into your work without full acknowledgement. All published and unpublished material,

whether in manuscript, printed or electronic form, is covered under this definition.

 

'And as far as where it came from, it was the London Times'

An Obituary printed in the London Times…..Absolutely Brilliant ...

https://mypoliticalmusings.wordpress.com/.../an-obituary-printed-in-the-london-times-...

 

3 Feb 2014 - Today we mourn the passing of a beloved old friend, Common Sense, who has been with us for

many years. No one knows for sure how old he was, since his birth records were long ago lost in bureaucratic

red tape. ... Common Sense lost ground when parents attacked teachers for doing the

 

So please get you fact right before you start criticizing other people.

 

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