Have now tried most URLs off this page and none other than smilies seem to work. Basically I get a Network Access Message - Page cannot be displayed.As a sample none of the below work. Sorry if they're not separated or there are no paragraphs etc as that seems to be another problem im having, enter doesn't seem to work. http://images.consumeractiongroup.co.uk:443/forum/cf.gif http://www.consumeractiongroup.co.uk:443/forum/images/misc/title.jpg http://www.consumeractiongroup.co.uk:443/forum/images/buttons/viewpost.gif http://images.consumeractiongroup.co.uk:443/forum/cf.gif http://images.consumeractiongroup.co.uk:443/images/lp_tiny.jpg Smilies like this work http://www.consumeractiongroup.co.uk/forum/images/smilies/smile.gif Very confusing

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Cheers WebbyHave tried your suggestion and checked that temp files is empty and still no joy. Have looked at the source code and is using :443. Is there anything else I can try???cheers skb

Its because at work there are different levels of internet access. Administrative access allows me to download software and do various other things the lowly plebs cannot do skbanother smilies dont work for me either but now only takes bout 30 seconds for a page to load which is an improvement. Was getting worried that I might have to actually do some work

HELPWhy has CAG suddenly started looking like this on my computer? It also takes around 2 minutes for a page to load.All other websites I visit work fine, even the home page to CAG, is just the forums which dont seem to be functioning properly. Cant work it out as it works fine on my computer at home (its on my work computer that it doesnt work)cheers skb

errr, we can go back beyond six years. This thread among others tells you why and how....is just a shame about the stay put on all bank charges claims at the moment. Still is well worth putting one in, provided you can get details from your bank of the charges levied. skb EDIT: Just reread and you do have the statements so get the claim put in IMHO

Hi Mack Sounds like your other half has been right royally shafted. Now this is what I would do and may not be the best or most appropriate route. Firstly send a S.A.R - (Subject Access Request) requesting details of: -all transactions made on the credit card account for last six years as any charges that were levied she will be able to reclaim. -the initial amount of the debt and the repayment scheme that was set up to repay it. -all payments that were made under the repayment scheme that were made in paying it off and any additional charges that may have been levied on the account -copies of all correspondence sent or received in relation to the debt. Copies of any telephone transcripts that were made and any notes that were placed on her file. Secondly transfer all banking to a new account with a different bank to prevent them taking any more cash until the issue is resolved Thirdly send a letter stating that she disputes that any debt is owed outlining the reasons given above and that no further payments will be made until the issue is resolved. skb

Is this an egg card or egg loan?? If its a loan then you will probably find its a contractual term to pay via DD. For an Egg card you should be able to pay via internet banking (I do for my barclaycard and C1 card) which gives you more control over how much and when you pay, you do of course have to remember to make the payment every month. It also saves you the cost of the phone call to pay by card. skb EDIT: Just been onto my internet banking and looked at details of my transfers section which I use to make my credit card payments and the sort code and account number of Barclaycard and Capitalone are both listed so it may be possible to make payment via SO using these details. Only problem I can see with it is that when setting up a transfer you are given a reference number which presumably identifies the account which is to be credited, with a SO they may not 'automatically' know who is making the payment and thus which card to credit

I was hoping that someone else would post this one but alas it has been left down to me. This is one of the most difficult optical illusions I have ever come across. Apparently if you look long enough you can see a waterfall. I've tried and tried but cant for the life of me see it. skb

It is a sad sad day, Sir Arthur C Clarke has died at the age of 90......I doth my cap.... skb

A thread (http://www.consumeractiongroup.co.uk/forum/general/80683-please-post-how-far.html) was started back in april last year asking people to post up how far back people had been able to obtain statements for from their banks. A cursory glance at the first page shows Abbey retaining statements from as far back as 1926 with plenty of other posters obtaining statements way beyond the 6 year mark. So certainly, statements at least, are retained, and if these why not other information that they hold? skb

Im with lloyds and it happens to me all the time, for some reason some things get ear marked twice but then, thankfully, only come out once. Can be a right pain in the old derriere when you need the funds its locking up skb

Lies, lies, lies and more lies. If they wanted to refund you they would, god damned [edit} skb

Q: Why do blondes have more fun? A: They are easier to keep amused.

Hi *J*. A CIFAS marker on your credit report should not adversely effect your credit rating, and nor should it prevent you from obtaining further products or services for which a credit search is carried out. However any application is likely to be delayed as the lender or supllier has to make additional enquiries to verifiy your identity. A category 4 marker is indicative of Application Fraud and is used when it is believed that the name on the application is correct but some of the other personnal details or other relevant information as false. You are right that in order to have the CIFAS marker removed you have to write Lloyds, so the in branch and telephone staff who said it was none of their business were talking bull - they should have informed you of the correct complaints procedure to use. I would probably write them a letter something along the lines of.... ...and send it to Customer Care Lloyds TSB 125 Colmore Row Birmingham B3 3SF skb

I am no expert on things electrical but I wouldnt risk it myself. Have found these little gems of knoweledge On the face of it it would seem that the voltage is just about high to give a shock, probably not enough to kill you (I've had a shock from the lighting circuit at home in the past myself and it certainly chaffed a bit) but worth avoiding. Again I know virtually nothing about electricity but better safe than sorry. skb

Hi Elaine, You could submit a S.A.R - (Subject Access Request) requesting a transcript of the telephone conversation skb

I belive they may be right, certainly they only have to supply copies of the executed agreement under CCA for active accounts. However you should be able to request a copy of the default notice, and any other information they hold on you by submitting a SAR. You would need to specifically request copies of all letters sent to yourself and all account information (obviously along with the relevant £10 fee) skb

Hi Threeamp, I would write to them politely informing of their mistake, detailing what you have outlined above. You never know it may just be silly admin error on their part. Also do you have a receipt for the work that was carried out elsewhere? Would be pretty hard for them to claim payment for work which someone else has clearly done. skb

Chris Essex, Ross McKitrick, and Bjarne Andresen recently published a paper in the Journal of Non-Equilibrium Thermodynamics, Vol 32, 1 - 27, 2007] in which they demonstrate that using different metrics leads to different conclusions about whether the earth is really warming. Here is the abstract: Physical, mathematical, and observational grounds are employed to show that there is no physically meaningful global temperature for the Earth in the context of the issue of global warming. While it is always possible to construct statistics for any given set of local temperature data, an infinite range of such statistics is mathematically permissible if physical principles provide no explicit basis for choosing among them. Distinct and equally valid statistical rules can and do show opposite trends when applied to the results of computations from physical models and real data in the atmosphere. A given temperature field can be interpreted as both ‘‘warming’’ and ‘‘cooling’’ simultaneously, making the concept of warming in the context of the issue of global warming physically ill-posed. Their conclusion is strong [emphasis added]: There is no global temperature. The reasons lie in the properties of the equation of state governing local thermodynamic equilibrium, and the implications cannot be avoided by substituting statistics for physics. ... Since temperature is an intensive variable, the total temperature is meaningless in terms of the system being measured, and hence any one simple average has no necessary meaning. Neither does temperature have a constant proportional relationship with energy or other extensive thermodynamic properties. Averages of the Earth’s temperature field are thus devoid of a physical context that would indicate how they are to be interpreted, or what meaning can be attached to changes in their levels, up or down. Statistics cannot stand in as a replacement for the missing physics because data alone are context-free. Assuming a context only leads to paradoxes such as simultaneous warming and cooling in the same system based on arbitrary choice in some free parameter. Considering even a restrictive class of admissible coordinate transformations yields families of averaging rules that likewise generate opposite trends in the same data, and by implication indicating contradictory rankings of years in terms of warmth. The physics provides no guidance as to which interpretation of the data is warranted. Since arbitrary indexes are being used to measure a physically non-existent quantity, it is not surprising that different formulae yield different results with no apparent way to select among them. The purpose of this paper was to explain the fundamental meaninglessness of so-called global temperature data. The problem can be (and has been) happily ignored in the name of the empirical study of climate. But nature is not obliged to respect our statistical conventions and conceptual shortcuts. Debates over the levels and trends in so-called global temperatures will continue interminably, as will disputes over the significance of these things for the human experience of climate, until some physical basis is established for the meaningful measurement of climate variables, if indeed that is even possible. It may happen that one particular average will one day prove to stand out with some special physical significance. However, that is not so today. The burden rests with those who calculate these statistics to prove their logic and value in terms of the governing dynamical equations, let alone the wider, less technical, contexts in which they are commonly encountered. full paper here http://www.climatepolice.com/GlobalTemp.pdf skb

Indeed, how can we be expected to give credence to any of the outcomes 'predicted' by these computer models when we cant even say with any real degree of certainty what the weather will be like next week, or even tomorrow. How often have we been promised sun and ended up having a barbie in the rain??

Here it is: Glossary of abbreviations

A glossary probably would be a good idea, not sure if there is one already. If not heres some translations DCA - debt collection agency CCA - consumer credit act OFT - office of fair trading FOS - financial ombundsman service FSA - financial services authority ICO - information commisioners office CCJ - county court judgement S.A.R - (Subject Access Request) - subject access request Data Protection Act - data protection act Some abbreviations are automatically translated by the forum software, like S.A.R - (Subject Access Request) and Data Protection Act above when you post a post. Hence my inability the write Dee Pee A skb

From Brake the road safety charity... We have a duty of care to ourselves and others to ensure that we drive safely, this means taking extra care when it is cold in order to minimise the potential impact of skidding on ice/snow. I learnt my lesson the hard way three years ago, when I ploughed my pride and joy into a parked lorry after losing the back end on ice (and in my case the road had been gritted several hours previously), fortunately the only person injured was me. Im sorry Hayley but for you to cause this much damage you must have been driving far too fast (or have a very low value car in which case I apologise). If I were you I would count your blessings that it wasnt more serious and be extra vigilant in the future skb

Hi All If I was to take voluntary redundancy how would this impact on what possible benefits I could claim for?? cheers skb