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Showing content with the highest reputation on 19/05/20 in all areas

  1. This is damning from George Monbiot. 'We were second in the world for preparedness. Then Boris Johnson et al deliberately de-prepared us.' https://www.theguardian.com/commentisfree/2020/may/19/uk-government-pandemic
  2. As I said, nobody said anything at the time when I posted it, so I thought it was OK. Please find attached another copy now. I have agreed to determination on paper only, I do not know what the other party has said as they never sent me their copy of their response form. Scan1.pdf
  3. The actuaries have published their weekly assessment of mortality rates. Their overall figure is very similar to the FT's https://www.actuaries.org.uk/news-and-insights/news/cmi-cautions-fall-excess-weekly-deaths-exaggerated-timing-ve-day
  4. If you amalgamate the templates it kinda defeats the object...its one or the other...try the freezing interest first IMHO. There is a good I&E sheet attached to the N245 which is the court approved for......see here:-
  5. never sign any letters just computer type you name
  6. Not really we get it all the time...... Print it ...there is no requirement for a wet signature.
  7. You wont know until you speak to them.....but speak to them not on line..... Here a re a few letter templates from our library https://www.consumeractiongroup.co.uk/forum/298-debt-collection/
  8. do NOT ever use phone nor email. or at best record your calls. it is better never to talk about debt over the phone to anyone send them our pro-rata letter from the debt collection section of our library. use the advice in the two links andyorch referred too and add a line about the current covid-19 situation also asking to take-up the 3mts break
  9. Just tell them the truth. There is a lot more forbearance out there than you might think at the moment. Ring them now, it will put your mind at ease.
  10. Once you miss payments you will be informed by the creditors with Notice of Default...allowing you time to rectify the arrears.....if you cant rectify the arrears you will then receive a Default Notice..allowing 14 days to rectify otherwise they will default the agreement and possibly terminate the account.Your credit files will reflect the default and will remain on show for 6 years. Normal procedure then is that they sell the debts to a DCA ...who will chase you and possibly litigate against you with a court claim for a CCJ. If you fail to pay the CCJ or agree a payment plan then they can execute the judgment by use of County Court Bailiffs. So its important to speak to the creditors now and explain your situation...they should be more sympathetic during the present crisis's in agreeing some payment holiday.....but as you state you will possibly be never in a position to resume payments...then ultimately your credit files will be marked....what comes after that is unknown until it happens...there is no set process.
  11. when did you take these cards out please? 2007 and 2007 as above? dx
  12. https://www.capitalone.co.uk/support/coronavirus-guidance-and-information.jsf https://www.aquacard.co.uk/faqs/payment-freeze
  13. Is it a personal use account/s or connected to your business ?
  14. https://uk.yahoo.com/finance/news/easyjet-hit-highly-sophisticated-cyber-111353988.html
  15. London is the worlds biggest Air transport hub with 100 million PAX plus per year going through 5 airports. I think there is a general (or wilful) lack of understanding what the implications would have been had a quarantine been announced back in January for some barely reported unknown disease far away in China.(as it was seen back then). The same armchair epidemiologists offering their 'expertise' now , would have been up in arms as their holidays and business travel plans were destroyed. Plus temperature checks are about as useful as indicators on a submarine!
  16. CPR 13.3 (1) (a) doesn’t refer to a “good chance of success”, but rather that “the defendant has a real prospect of successfully defending the claim” https://www.justice.gov.uk/courts/procedure-rules/civil/rules/part13#13.3 ”real prospect” is a lower required standard than “good chance”
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