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BankFodder BankFodder


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Everything posted by adridude

  1. Hi all, I know it's been a long time since I've been on or commented, but I'm back for a tad, so thought I'd say howdy, get a lil advice n see how everyone is. I hope COV.... you know isn't testing everyone horribly and hope all is well!. anyway.. I've got a fe days off a week now thanks to this off pandemic and thought I'd spend em here Have fun, relax ad take care! Ade
  2. It's been a tad since I've been around but it appears that some DRC"s are appearing with some fictitious claims. One for electric, despite having been on PAYG electric for years, and the other on a mobiles account which I've apparently taken out. I've had the same mobile number for years (since the orange days), and never moved. I've asked verbally for copies of contracts etc... to outline the address, details, dates, times etc... but they're unable to provide that. I was specifically really with Lowell. I originally called them up today as a random "talk talk account" appeared on my credit report, and since I've phoned, talk talk isn't a thing and the British Gas and EE ones are. I dont know where to start with this lot despite having been through the whole debt thing before. I've never had to deal with people with no proof of account etc.... They categorically state that there is no way that I can get a copy of any of the accounts? I' p*ssed now as they've totally jammed up my credit record that'll now affect my company credit report. Where do I head from here? I'm livid. CHeerio Ade
  3. Looks like I better start the process all over again. I ended up in a "loop" when it came to the prove it letter as someone managed to get past my call blocking and they literally didn't give a care about it being proven, so the conversation was going nowhere... I drew a line under them then. Whats the best way forward? Send another "prove it" and start all over again or are there alternative routes?
  4. Hi, I was just reminded by a friend of mine about a situation where I was asked to come to the police station in the Netherlands and present my license as they weren't sure of the validity of a British license back in 2002. I Though many years later, would it be a problem that I didn't present it? I moved over here a few days after that happened, so never really had the chance. Cheers, Ade
  5. Hi, I've had a myriad of debt companies contact me about two debts which I disputed about 4 years ago. I sent them the 'prove it' letter and they responded with 'they were unable to provide... however we can still make a payment arrangement...'... Because of that I've intentionally left them behind and ignored them, but since I've just moved, I've had this rise from the dead. I have no idea how this happened as the only public record of me should be the edited register. I've double confirmed with my local council that I'm on that register and not the open one. My questions are: Should I give them the light of day? They're appearing on my credit file now, without waking the dead and resetting the 6 year limit, how do I best resolve this? How do I question how they came about my data? They got ahold of me before my local council did? If they did get my details by devious means, can I do anything about it other than log a complaint with the ICO? If the dead do rise, can I backdate the interest (39.9% on one of them) all those years and turn the tables? Regards, Ade
  6. Just an update. CAB have referred my case to University if Kent (legal clinic) as apparently this is on the increase and they’re building up a case against the DWP. I’m the meantime I’ve been keeping diaries of everything and keeping notes on the waywardness of the DWP.
  7. I'll take a look into that. Although I claimed at the end of january, I was self-sufficient until 1st may. I paid for everything myself, so was only awarded UC as from then. Thanks for the heads up, I'll take a look on there..
  8. Hi, I moved to the UK in 2003 as my family are here. Mums british, dad's Dutch and I ended up with Dutch nationality. I've worked, lived and paid tax, council tax etc... all the years with the od dperiods of unemployment so have been on JSA and Housing Benefits. I applied for UC as I recently lost a job due to my driving license being revoked for 2 years. After signing up, I was accepted and initially began to receive UC. 6 months down the line, another Habitual Residency test pops up and fails me. The initial was in February, the later in August. The initial HRT letter reads as follows: There should be no reason the latter popped up. SInce 2003, I haven't left the country once (not even on holiday). Between the initial HRT and the one that failed, nothing changed in my status at all. The failed HRT letter reads: I dont see where I've failed as: 1) The family is has been here longer than I have, mums british too.. 2) I've been here for 13+ years uninterrupted On that note, I've gone through the mandatory reconsideration, but the manager who processed it told me that its likely it'll fail. I've supplied them with: 1) Copies of my parents passports 2) Birth papers 3) 10 years of doctors appointsments )from the surgery, to prove I was ehre 4) 10 years of bank statements as proof I've been here 5) 10 years of council tax bills and statements of payments Failing that I have no idea what to do. I"m falling behind on rent, the Job Centre just wont entertain helping at all. I'm avoiding speaking to the Dutch embassy unless I really have to, but any pointers will be handy. *edit* as a matter of interest, the homeoffice have told me I can et a british passport, but I dont see why I need to give up my nationality for this? Also does the permanent residency card help at all or is this just another useless form of ID? Cheers, Ade
  9. I finally got the Notice from them so sent off the CCA rq' and the Postal Order... I'll just have to wait and see what (if anything) I get back... From there, Is that where I send off the Subject Rq etc... and get the ball rolling? Cheers, A
  10. Hi, When I lived in the Netherlands prior to 2003 I was give an order by the police to show up at a police station and produce my license within a month. It just so happened that I was moving to the UK at the time so it slipped my mind. Would/could this cause any issues when I go back over there in a few moths? Cheers, Ade
  11. Having grown up in Africa, this always make me laugh...
  12. The only reason why this is happening is because BT are losing grip on BT Wholesale (LLU or unbundled connections). They loved dominating the market by hoarding the GPO copper and selling them on through third parties. Now that BT aren't cracking the whip, they're feeling the pressure. Especially now that companies are installing their own equipment in cabinets and exchanges. Not to having to live under the "gaze" of ofcom. Personally I think OfCom aren't taking a strict enough approach to things. Fine they throw the odd £400,000.00 fine here and the odd £42,000,000.00 fine there but that has absolutely zero impact on the offending companies. The people at the end of that whip are the end-users, us. The loss in revenue is ushered across to us, dobbed as "necessary increases as OfCom fees increased".. I'm just waiting to see when someone will realise that they're just running around in circles. Didn't Albert Einstein quote: “The definition of insanity is doing the same thing over and over again, but expecting different results”
  13. As I work closely with Apple, I often come across interesting tidbits... Once o which saved me a LOAD of money... For a semi iPhone contract you'll be looking easily at between £40-£70 a month depending on your needs of voice and data etc... on top of that, your phone is only covered for 6 months by Apple and should be covered by your provider for up to a year. After that, if it dies, you're on. your own. Apple have something called the iPhone Upgrade program. That link will take you directly to it. here's now the money saving works broken down: - £33.45 is what the iPhone upgrade program costs per month.. - You're covered with 24/7 AppleCare+ so even if you send your phone to hell and back, they'll replace it as per AppleCare+ - Every year, you get the latest iPhone - At the end of the year, you give your old iPhone back to get. the new one at no extra cost (e.g. one off charges) So the £34 +£10 for a Data, Text and Voice plan (sim only, which I just saw on switch) you get more bang for your buck as to put it. So on top of saving the £10-20+a month, you'll also be covered by free insurance (no excesses either), free support for your phone (and all local call centres with Apple). The only hitch might be if you have bad credit.. Apple do check up on your financial conduct... Well it's not them, it's actually backed by AIG (some insurance firm)... Anyway, I hope this tip helps out! Ade
  14. No not really. I think that everyone is over-stating what the situation really is. Fine the £ has weakened considerably, but I recently read a blog article which explained how blue-chip companies announce they make a loss. the way I understood it was: Company A makes £50 million profit in year 1, in year two they only make £40 million (below projection) so it's often announced as a loss. Anyway, The potential the UK has to bounce back s astounding. I think that we (everyone) got a little too comfortable with the EU's top-ups etc... The farmers for one are panicking as they'll be losing a lot of money which they receive from the EU... The fact really is, pre-EU they just had to work harder but were rewarded better. What is costing a lot of money are these "referendums" which quite frankly are a total waste of time.. The last time I checked.. A referendum wasn't concluded on the "best of 3 or 4" of them... That generally goes to show that there's absolutely no point voting in them anyway... I've heard of sore-losers, but ones which are that sore that they actually re-stag the match again? *sigh*... In regards to you saying that you should invest in gold etc... Looking back over the lat few hundred years, gold and other minerals (other than coal) are constantly going up in share. About the warnings, in the past I've been caught out without access to cash. I lived in the Benelux when the EU switched over from local currencies to the Euro.. It took about 3 weeks for that to sort itself out and it wasn't fun at all. Since then I've made it a point to always have a "get out of jail" somewhere to fall back on if all hell breaks loose. but really, I wouldn't worry.. The UK is resilient, so I'm sure that things will be worked out one way or the other.
  15. I was just wondering... If it ever game to the govt. not agreeing to support long-standing EU residents and revoke their stay, how would that pan out if they had kids here? For example someone who's German, with a British partner (not married) but has kids which were born here etc... I got into a fairly heated argument with a buddy of mine about this so it'd be interesting to see where the views stand.
  16. Hey, I just thought I'd throw this out there... I spend a lot of life at work so when I come home the last thing I want to do is cook! I've found that I can kill two proverbial birds with one stone! On a Sunday afternoon when I'm busy cleaning up the house and catching up with the weekly chores, I start cooking big "one pot meals" like Bolognese, Stews, Casseroles and things like that. Intentionally, I cook enough to feed about 5 or 6 people! (and all for a great reason)... I snagged some plastic punnets from the 99p store (which look oddly like the ones you get if you order a Chinese), but they're the perfect size for a portion. Once everything is cooked, I pack it all up in a bunch of punnets, set them to once side till they're cool then freeze them. That way, in the evenings (or nights) when I get in, I can nuke the punnet in the microwave (usually about 5-8 mins on 60%) which gives it just enough time to flash build some veggies, pasta etc... I you live alone, this is an amazing way to save some cash as you won't have to fork out for cooking very night, plus you can eat healthily with the delight of it being "Fast food"... Hope this helps! Hasta la pasta! Ade
  17. I know I'm coming in a little late to this conversation, which out of interest are you using optical mice or more with a ball in them? It might sound like a silly question, but that can be the cause of it. I for one use an optical mouse and every now and again a piece of paper gets stuck in the optical aperture and makes everything go awry. Can you confirm that this also happens in "safe mode" e.g. when you boot windows without drivers and all of the others "odds and sods" which are loaded when it boots? This link will show ou how to boot into safe mode in Windows Vista, 7, 8 and 10... http://support.eset.com/kb2268/#W10 Just a fore-warning... When you boot into safe-mode the screen will appear a lot different from what you're used to, so don't panic... It's part of the process. You might also find that there's no sound, or things like the printers or wireless/bluetooth devices won't work. This too is normal... As your mouse (mice) are USB they should work fine.. UNLESS... If you're a bit of a power-user and have a custom system where you've dabbled with things like IRQ's and DMA's.... IF that last sentence went over your head... Then don't worry... If your find that the mouse behaves as per expected in safe-move, but continues to be a problem in normal mode, then it'll probably be a driver interfering with the mouse... If not, then there's an Haddon which interacts with either the mouse directly or the USB ports. Out of interest, would you happen to know if you have USB2 or USB3 ports? (if both, they're usually told apart by being different in colour if you look at them).. usually red and yellow or purple and yellow. Mice get cranky in USB3 ports. Another thing I thought of was does this happen with a bluetooth mouse too? You can get them for a £5er from wilko's. Fine, it won't be the best quality mouse, but ti'll be a good indicator as to where the problem is (or isn't)
  18. really? I know I used to be able to but I think that a long absence between 2007ish till 2012ish lost me some privileges
  19. Ample is just as bad.. Being an apple developer I tend to notice things like that too... I think my machines phone home about 100+ times a day. Don't forget that mobile devices have a lot of caching services, so they often call home (and to other sites, URI's) to get and store information for future use. A good example is my iPhone caught me unawares, as I noticed it only asked me to enter in my pass-code (not finger print) for payments when I went to somewhere totally out of the norm... It seems that companies are stepping up their game with security!
  20. Bear with a sore head? Could you elaborate as to what you see? Error messages? Notifications etc...? As far as I know (well not since I've been back) you can't upload images directly to the forums... You need to upload them to a third party place e.g. dropbox, google drive etc.. (I personally use tinypic.com) Once you've got it up there and get a web address for.. if the image is already on the web e.g. you can access it with http://www.wherever.com/... then you just need to press the button above the chatbot that appear like a picture of a tree... The button looks like this: I just uploaded that now... So on that note... I'll show you how I helped an angry bear... 1) Took a picture of him (biig mistake!) 2) Uploaded it to a website (I'll use tinypic.com as an example).. 3) go to tinypic.com (totally free). And you'll be presented with a screen asking you to choose a file and upload an image (see below) 4) Once on this site. press the "Choose file" button, and make sure you choose the happy bear picture you want to upload. 5) Once you've done that, press upload... It'll ask you to type some random garble in to make sure you're not a robot, but the is commonplace on the internet... 6) Once it's uploaded you'll get a screen similar to the following: .... Yep I uploaded the elated bear a moment ago! 7) Now what you want, is one of two things... i) If you're going to paste the image in directly to a message (rather than pressing the button) then you'll double click on "IMG Code for Forums & Message Boards" What that does is, literally bypass the need for you to.. press a button.. ii) If you're daring and want to press the button, then you'll want the but under "Direct Link for Layouts" 8) either way, you just need to click on one or the other (yep just click on the text itself and it'll automatically copy itself into memory) If you've chosen to paste it into the chat willy nilly (it won't appear as an image to you whilst you're typing but will appear as one after you press POST, then just get your cursor where you need the image to be and: Windows: On the keyboard, press `Control+V` to paste the text.. Thats it.. or, if you're a mouse fan and on Windows, then right click in the general area you want the image in the message box, then click on paste If you're on a Mac and want to use the keyboard , then as per the first one, just press Command+V (not control!) If you fancy using the mouse then either Control+Click on the area, then paste, or right click on the area then paste... In regards to the button.. It does exactly as the above has done...All you do is press the button as I've shown you earlier... And paste the text into the box that pops up... Hope that helps... Cheers, Ade
  21. The easiest one and widely open source (comes with Linux is available on Mac, and windows too with some perseverance. it\s called `wget` In short its a command line web client with the capability to recursively download content so it follows links. If I remember rightly the `wget -f http://www.ineedmysiteback.com/` will recursively download the site.
  22. Hey Bakfodder! Long time no see! Anyhoo, you can indeed do that with Echo, Siri and quite a few other devices. As you're local (to the UK) the easiest is to go get Hive from British Gas (https://www.hivehome.com/alexa) .. What "hive" is, is literally a secondary device (much like your router) that connects to a bunch of other devices like thermostats, adapters that your kettle could be connected to.. The gimmick in question would be: https://www.hivehome.com/products/hive-active-plug How is works is.. 1) You have an internet connection, so can connect to the "hive systems" 2) You get a Hive hub, which is pretty much like a router, but it plugs in the mains, the back end of it plugs into the internet router so it can talk back to hive. 3) All the Little devices you get e.g. light bulbs (I'm not kidding), mains adapters, thermostats, movement sensors etc... All collectively talk to this new "hub". They get told to be turned up or down, switched on or off by it. 4) You need to download the hive app (from the apple App Store or google play store), sign up with the serial number of that hub so they know it's you and not some stranger. 6) When the app is up and running you turn your devices on and off, thermostats up and down by sending messages from your phone / tablet, via the internet... The hub in turn checks its queues messages from your and actions them... VOILA... Instant cuppa tea in Dymchurch whilst you're in Angola. As lovely as IoT (as they call it, Internet of Things) is, and I'm an advocate too. The Proof of concept has been proven time and time again that even someone so much as uttering "Alexa ..." "ok google" "hey siri" over the television is enough to get it to react. Anyhoo, hope this helps in some way Cheers, Ade
  23. I've literally just posted something about the vaping side of things http://www.consumeractiongroup.co.uk/forum/showthread.php?477514-I-just-had-to....(4-Viewing)-nbsp I'm totally shocked at this ban (or shall we call it a drive for health? *yeah right*)... DO you guys reckon the government is angling to slam the tax on the e-liquid side o things? I mean when you look at what the HMRC was getting: Cigarettes 16.5% of the retail price plus £4.16 on a packet of 20 Cigars £2.59 on a 10g cigar Hand rolling tobacco £5.24 on a 25g packet Other smoking tobacco and chewing tobacco (eg pipe tobacco) £2.85 on a 25g packet I'm just wondering when we'll get a 5th addition to the list...
  24. I had to pop in here to see what the state of "smoking" affairs was like. I gave up a few months ago and on the night out over last weekend, I was met with a friendly lass at Sainsbury's cigarette counter telling me that 10's aren't sold any more, nor are the smaller pushes of tobacco. Did I hear correctly? Luckily I shed away as the only thing on offer was Marlboro (£10 quidaroo a pack!)... As glad as I am that I'm not smoking (I'm vaping though), I think that this move for the government is absolutely ludicrous. I assume they state that it's for the better health of things, but get real... If someone wants a cigarette, they'll usually just splash out for it. Personally I wonder if this is a move to start taking the e-cigarettes. I've personally saved fortunes with my lil e-giccy. It's odd how it co-incides with the new regulations to the e-cigarette liquids which came in a few months ago... Anyway... rant over... Happy cagging and stay safe! Ade
  25. Thanks, I'll update this thread when I hear back from them.
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