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  1. He says what others are thinking but are afraid to say. This sums his thinking up completely. We should all take note (especially Germany) of what he is quoting here:
  2. http://www.bbc.com/news/technology-35925146 And of course the number is much higher than the ombudsman has recorded – and it is probably very much higher than anyone can possibly imagine. Vodafone is competing with npower for the worst possible systems and the worst possible customer service. Anyone considering getting a new mobile phone contract would do well to avoid Vodafone.
  3. Restrictions in Freedom of movement Being “Forced to work,” From Dawn to Dusk just to be given food to eat Not being allowed to accumulate and “Assets,” – Personal Possessions Being “Punished,” if you attempt to air an objection about this. This is what I learnt in History and it is called SLAVERY. Being forcefully ejected from your home. Even though the piece of paper says you own it. Being forced to “Pay Additional Costs and TAXES,” while others not of your hue, Religion or creed are not told to. Being hearded into Segregated Areas for Education, Career, and Residences. Being denied “The rights of a naturalised citizen,” in the country you were born in. This is what happened in South Africa, Germany (world war II), & South & Middle East. It is called geneocide. We were and are told it is not right. If you are being denied the RIGHT TO PURCHASE GOODS. Because the Banks, Finance Institutions are deliberately denying you those rights. To, have restrictions placed on your financial freedom so you cannot see a more profitable alternative for yourself. Being denied access to the Law and Legal Bodies to have SOMEONE/ANYONE to Fight for those rights in your corner. To be SICK AND UNABLE TO ACCESS a system that YOU PAID INTO via your NHS Taxes etc. And then to be told that because you are now classified as Disabled, Old or Mentally challenged and you OWN YOUR OWN HOME. That medical care facilities, benefits and assistance no longer apply to you. (Despite years of paying to a system which stated in was your insurance against the worst happening). This is tyranny. So tell me please WHY DID WE ALL VOTE FOR IT IN THE LAST GENERAL ELECTION? And PUT IT’S LEADER IN POWER!!!!!
  4. Hi, I am new to this forum and new to legal terms and I am confused with what happened in court today. Someone please help me understand? Here is the story. I received an attachment of earnings order for a default judgement I knew nothing about. I enquired and found out that Lowell had applied to court a few months earlier and got the default judgement as I did not get any paperwork. Further, I had written them with CCA request but they never replied I thought that it is over and done with. I applied to local court to set aside the judgement with a witness statement and defence where I explained to court about their dirty tricks and made up evidence etc. I sent all of those documents to Lowell as well so that they could put their side of story in court. what I did not understand was that a day later, they wrote to me with a signed draft order accepting to set aside the default judgment, withdrawing their AoE order application, and paying me court fees, then asking the court for permission to reply to my defence I thought that was a trap I went to court the next day, where I thought that the case would have been heard and judge making a decision. that was not the case, and Lowell hired a local solicitor to put to court the things they said in their letter, judge said to me that was easy and struck out the judgement and AoE order, then set a date for next hearing. I am very confused have two questions; 1. Why the Lowell accepted to set aside judgement and AoE order? 2. Why the judge set another hearing to hear the case when he had already quashed the judgment? I hope someone could answer the above two question. Thanks
  5. To some this sounds attractive. Mind our own business. make our own decisions. Pull up the drawbridge. In the modern world it just is not practicable. It wasn’t so even 40 or 60 years ago. The world’s troubles, the world’s wars inevitably dragged us in. Much better to work together to prevent them happening. Today we are even more dependent on what happens outside. Our trade, our jobs, our food, our defence cannot be wholly within our own control. That is why so much of the argument about sovereignty is a false one. It’s not a matter of dry legal theory. The real test is how we can protect our, own interests and exercise British influence in the world. The best way is to work with our friends and neighbours. If we came out, the Community would go on taking decisions which affect us vitally—but we should have no say in them. We would be clinging to the shadow of British sovereignty while its substance flies out of the window. The European Community does not pretend that each member nation is not different. It strikes a balance between the wish to express our own national personalities and the need for common action. All decisions of any importance must be agreed by every member. LINK TO SOURCE
  6. More of a rant, the new manager I have always asks for the reasons why I want to book a day or half day off. It's not in a friendly "oh doing something nice?" way, its more of a "You should never take days off, you can do those things at the weekend" kind of way. Requested a half day for Thursday, got an instant response of "Why?". So I just said "Personal reasons". Does anyone else get this too? /rant Edit: one other thing, I once took a couple of hours off to leave early, thinking it wouldn't be a problem since I work late occasionally and do the odd weekend. He later put it down as a half day off. I reminded him it was a couple of hours, so technically 1/4 day off, he said tough, the system only does increments of half day. argh!
  7. Having just seen the news, I see the NHS is facing a financial crisis - approaching £100 million of debt. Despite ring fenced monies and extra funding for extra nurses/doctors/GPs, etc Why is this ?? Well for a start - look at the salaries some of the top guys are earning ? http://www.dailymail.co.uk/health/article-3206191/Scandal-60-fat-cat-NHS-hospital-bosses-took-home-Prime-Minister-year-despite-trusts-plunging-financial-crisis.html Despite these earnings, they are running their trusts/hospitals into the ground with no accountability. Why are we recruiting from overseas and using agency staff ? http://www.bbc.co.uk/news/health-35148920 http://www.bbc.co.uk/news/health-35062121 In Scotland, apparently 17,000 patients missed at least 5 appointments ! http://www.bbc.co.uk/news/uk-scotland-35141459
  8. It does look as though the regulator has done a U turn over this and now intends to investigate.. http://www.theguardian.com/business/2015/dec/09/fca-investigation-hsbc-whistleblower-complaints-credit-cards
  9. Please forgive me if the terms aren't 100% correct. Different insurers do their calculations differently, but this is my understanding of the basic process: No Claims Discount, normally rated in years, is a discount given which insurers apply to your actual calculated 'rate' or risk. Different insurers use different amounts for the years earned - no consistency. Your Rate or Risk is calculated based on some industry calculations tailored by individual insurers, which consider what is the likelihood of having to pay out to you, and is based on many factors including age, location, what you are insuring, and whether you have had any losses/accidents previously among many other things. The premium (what you pay) is the rate or risk calculation, with any discounts, including no claims discount, applied. So in the example of car insurance, an accident will increase the base calculation of your 'insurance' rate or risk. Any discounts, no claims or otherwise, are then applied to the amount calculated. Example: Insurance before accident with NCD = £200 (your risk calculation) - 40% of £200 no claims discount = £200 - £80 = £120 to pay Insurance after accident with protected NCD = £400 (your increased risk calculation) - 40% of £400 protected no claims discount = £400 - £160 = £240 to pay Insurance after accident without protected NCD = £400 (your increased risk calculation) - 0% of £400 no claims discount = £400 - £0 = £400 to pay Protected no claims discount protects the percentage of discount applied to the base risk calculation and is not protection from an increased basic risk calculation and hence increased cost of cover. Hope this helps in understanding. More info http://www.confused.com/car-insurance/guides/how-car-insurance-is-calculated
  10. Hello, when I log in the forum on my tablet I'm prompted to install Tapatalk, which I don't really want. It would be helpful to have a mobile view instead, as it's difficult to browse under the full view. Thanks.
  11. We eat chicken, lamb, duck and beef, to name a few, so why not dog ?
  12. ]In a case involving the family, a close relative of mine has almost certainly been unexpectedly included in a elderly relative's Will to the tune of many thousands of pounds. A substantial sum. However, the elderly relative passed away earlier this year, and the sole executor, the only offspring has subsequently delayed the process of probate, to the extent he has not yet made an application. This intelligence is borne out by the online probate registry which as yet is not showing any reference to any application, and therefore no information on the Will. The Executor would have been expecting to inherit the whole estate from his sole surviving parent, and would therefore have been extremely upset when he read the Will to discover that he had not in fact inherited everything. Indeed a sizeable chunk, close to a six fire sum, had been allocated elsewhere. I cannot find any definitive information about this scenario. What happens if the Executor simply declines to register the Will? Does that mean eventually he can claim there was no will/the will was not valid - it is his responsibility as I understand it for him to prove it is valid if there are questions marks ( and it is in his interests to indicate there are); does 'intestacy' rules then kick in, in which case he would stand to gain everything as if the Testator's instructions were set aside. Is there a time period during which an Executor is legally obliged to make the application? I cannot find any reference to this. And finally, is it possible to somehow 'contest' the will, perhaps argue it is invalid ( undue influence etc. or something along similar lines) before it is even necessary to apply for probate, get the Will effectively invalidated, and then claim as the Testaors only immediate relative/offspring of the Testator the inheritance under intestacy provisions? Or, could it be explained that the main assets a property, currently on a leased tenancy cannot be sold until the tenancy is terminated, and that is the reason why the Executor is holding back. I detect a pungent odour of rodent in this current scenario, and that the Executor is cooking something up, but what?
  13. Having read this Default Re: Royal Mail Customs handling Fee Response all what follows is pretty well useless Oh dear Looks like I have missed the boat. Hi all, Having had some time to think about my situation with FedEx a few ideas have surfaced. But before I start I will apologise in advance to anybody who may feel that I have misrepresented or distorted the facts to justify my hypothesise about the subject. These are just the type of thoughts and ideas that wander through one’s head in the early hours of the morning. So here I go. FedEx et all will never take any one to court over the admin fee as it stands to loose a massive revenue stream if it looses the case. Why? Current business model for £100 value item of weight 500gms for a casual importer. Offer to ship item for £22 from China to UK house address. Deliver said item to address. Send recipient a bill for customs fees (£30) and admin charge (£12). Previous year’s Model of costs £22 carriage and £8 admin. Hypothetical next year’s carriage cost £22 and admin £18. This is looking very good. Next year cost £22 and admin £24. This is looking even better. They have kept their offer price of carriage fixed at £22 but increased their revenue by approximately %150. And it gets better still. The logistics of getting a parcel from China to the UK is no small challenge. Whereas a few key taps on a PC key board is generating more revenue. It would appear that FedEx should become an admin company and subcontract the carriage I know that is could be viewed as quite simplistic, but it should give one a flavour of the idea. Well what about the other carriers. It would appear that they are all doing the same. Where is the competition? No need to increase your quotes just increase the admin. Cartel? Transparency? Confusion? So, If you refuse to pay what will any of the carriers do? Well originally not a lot. I noticed that most successful results against Fedex are historic. If you complained they would waive the admin cost. However a recent visit to Controlaccounts web site boasts For a leading global freight company weimproved cashflow by 12%, see how we can do the same for you. And who might that be? Now this is the Nub of the issue. Fear and threats work on most people where money is concerned and getting a DCA involved allows FedEx to be hands off. Threatening to sue clients is not their businesses. Also the task of defending your action against such a barrage of threats is quite daunting especially for £12 along with no guaranteed chance of winning against the might of a giant international corporation and no clear precedent. The outcome is pay up. However if by chance a valiant knight comes to the rescue and challenges the Dragon what might happen. Without doubt, FedEx would walk away long before it went to court as the last thing it wants is a precedent to be established about this very grey area against the plaintive. Why? They could lose, and that risk of £12 vs. £10000’s of annual income is not a good bet. And so for as long as this situation lasts one has two choice (1) pay up and shut up (2) Do not pay and be prepared for a long unpleasant time of threats, abuse, fear, anxiety, lasting over many months that should result in no £12 admin fee being paid.
  14. http://www.lexology.com/library/detail.aspx?g=519a4338-60a7-49be-8ff1-28f070eca937#.UH0wHaFr1Ws.twitter PPI reclaims soicitor LOST on every count. Mrs Plevin’s claim therefore failed in its entirety. Against this, Recorder Yip QC considered the conduct of Mrs Plevin’s legal representatives, Miller Gardner. Their costs, including a very significant ATE insurance premium, amounted to some £320,000 by the time of trial as against a maximum claim value of some £5,000. Despite the level of costs incurred, Recorder Yip QC also found that Miller Gardner had failed to get to the bottom of the factual case, this had caused the repeated amendments to Mrs Plevin’s claim and the eventual abandonment at trial of all but two of the heads of claim, and that there could be “no justification” for the way in which the claim had proceeded. As against this background, Paragon had made a without prejudice offer to Mrs Plevin back in 2010 on a commercial basis simply to see an end of the litigation. Miller Gardner had rejected that offer and therefore did significantly worse at trial than could have been achieved two years previously. Recorder Yip QC held that as a result, and given her “real concerns” over Miller Gardner’s conduct, it would be appropriate to order that Mrs Plevin pay Paragon’s costs on the indemnity basis in relation to the entirety of the action. This is the strongest order that a Court can make and is illustrative of the displeasure with which Miller Gardner’s conduct was regarded. It was clear from the amount in question as against the costs incurred that the litigation had been run only to benefit Mrs Plevin’s solicitors; and not to achieve the best result for her. Generally, given the findings by the Court of Appeal in Harrison and Recorder Yip QC in Plevin, claimant solicitors now have little chance of successfully continuing with claims in relation to PPI mis-selling. Further, the Courts are now very much alive to the fact that such claims cannot be regarded as being in borrowers’ best interests. The industry that has grown up around PPI should beware.
  15. Rachel Dolezal, the American civil rights activist who claimed to be black despite having white parents, has finally spoken out. Even though she grew up with blonde hair and freckles, she says she ‘identifies’ as black, and from the age of five was ‘drawing self-portraits with the brown crayon instead of the peach’. How odd that many of the people who have so vociferously criticised her are the same people who champion the rights of transgender people to ‘self-identify’ as whatever sex they choose, and insist we respect this. If we are going to allow people to pick their gender, why can’t we do the same with race?
  16. As the title states this is an observation only but the net shows otherwise see here for more info here https://www.youtube.com/watch?v=NtPfh57FiUUor Or here for a Motability car Here is my issue, we are over a year post new regs, these video plus more are freely available to view, you know where. Why are the EA's still continuing to be aggressive and intimidating, crying wolf with the cops and much more. Not only that even getting caught on camera telling porkies even when proper officers are in attendance. I believe this could just be the tip of the iceberg and needs much more control again this shows that EA's are just as ruthless today as they were 14 months ago
  17. I have developed dark blue stains on my face and when I went to my GP was told that they were because I had been prescribed Minocycline tablets for Acne and left on them for 30 years and never been told that the skin staining can be a side effect. I was referred to a NHS skin clinic and was told by the consultant that the patches may never go and they are not suitable for lazer treatment as they are on a lower layer of the skin make up. Only option is camouflage make up, I am extremely upset over this and very angry that I was never warned of this side effect. I feel I have a genuine case for negligence here. Any advice please
  18. Hi all. I have a court hearing this Thursday 10 April 2014, I have received a Order for possession (accelerated procedure) (assured shorthold tenancy) So I believe the court hearing is so that I may request more time to find a new home. My main question is "Why do I have to Pay to be Evicted?" I have already submitted a defence form asking for more time to pay this cost, but the Order says I must pay it on or before the 10th. Any advice would be welcome. Thanks.
  19. Don't you sometimes wish you could live in hindsight ? Nick Clegg must be wishing that he could go back to May 2010 and not agree any deal with the Tories. If the Lib Dems had provided some support from opposition, then they may not have fallen to a disaster years later. The Lib Dems would have been in a much stronger position had they been able to look at Tory policies from opposition, whereas in coalition they mostly had to support government policies.
  20. My noddle report is pretty poor as it has 2 defaults on it which are 5 years old (and both currently being disputed). Today I paid the fee and viewed my experian report and that says I have excellent credit and no record of the 2 defaults? I have an old experian report from 2012 and that has one of the defaults on it, but not the other, but now they no longer appear on it. I even called experian to check, and she said there was no active record for them, so they are not part of the credit report. My 2012 report was in the region of ~700, but now it's mid 900's, and even says at the top that it has improved because there are no longer delinquent or defaulted accounts on it. One other thing that confuses me is that Experian have no record of my current bank account. They have my main bank account down as an old closed Barclays account. Again, I asked them and they said if the account was opened over 10 years ago it may be that my bank never agreed to share the information. So my credit score is now so good, do I risk calling my bank to ask them to share info? I've been a customer for 15+ years, have a 1500 OD that I basically live in. This may look negative!
  21. Hello, I'm a new user and would be grateful of any pointers with this. I have recently been receiving cards through my door from a company Called aps? I'm not expecting any deliveries and they won't leave the 'parcel' With anybody else. Is this some sort of bailiff? Has anybody had similar experiences? Thanks
  22. I have a second-hand iPhone 4S on EE and I am being charged £20.45 to unlock it from their network. Is there are legal basis for them to levy this charge? I understand that "the main reason that networks are allowed to lock phones in the first place is because generally when a phone is sold locked it's at a subsidised price..." - however, I have no contract with them, so why can I not be released upon request? "All the networks do it" is not the basis for law. Also of interest to me, the fact that parking charges - and over-charging - previously acceptable to millions of people, is now found to be in contravention to the law. How can I request my money back from EE?
  23. I just wondered if it is normal practice for them to withdraw an appeal before having had any contact (save for the letter acknowledging my appeal). Do they have the right just to withdraw because they want to? Do I not have the right to a hearing even if they are sure they will win?>
  24. hi im on D.L.A indefinite and have been on years ( HRC and HRM ) I live in the "M22" area, , I understood I shouldn't be re-assessed from around oct 2015 to oct 2017 ? I have had a re-assessment letter delivered to me on 21st January 2015 saying I have to ring up before 18th feb to start my re-assessment from D.L.A to P.I.P SAYING they have invited me to claim P.I.P ? can you tell me why I have been "invited" to be reassessed early ? instead of 2015 to 2017 ?? like advertised nothing has changed in my condition or in my life to getting worried why I have been selected ?? I am starting to worry now which isn't good
  25. The trade negotiations are an assault on democracy. I would vote against them except… hang on a minute, I can’t.... More ...
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