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    • 2 foot of sea level rise   The Thwaites Glacier — dubbed the “Doomsday” glacier because of the grave impacts for global sea level rise if it melts — is breaking down “much faster” than expected, according to a peer-reviewed study published on Monday in the academic journal, Proceedings of the National Academy of Sciences. Using satellite imagery, scientists determined that widespread contact between the glacier and warm ocean water is speeding up the melting process. The climate crisis is interrupting natural processes across large parts of the continent, according to the Antarctic and Southern Ocean Coalition. The glacier, roughly the size of the United Kingdom, could cause global sea levels to rise more than two feet if it melts completely, according to the study. “Thwaites is the most unstable place in the Antarctic and contains the equivalent of 60 centimeters of sea level rise,” study co-author Christine Dow said in a statement. “The worry is that we are underestimating the speed that the glacier is changing, which would be devastating for coastal communities around the world,” she continued. Read the full story here.       or here ... from the India civil service currents affairs exam Doomsday glacier Antarctica‘s Thwaites Glacier, roughly the size of Britain, is a fast-moving glacier in West Antarctica. Because of the risk it faces — and poses — Thwaites is often called the Doomsday Glacier. Because of its size (1.9 lakh square km), it contains enough water to raise the sea level by more than half a metre. Thwaites’s melting already contributes 4% to global sea level rise each year. Thwaites are important for Antarctica as it slows the ice behind it from freely flowing into the ocean. Credits: BBC Vigorous melting Salty and relatively warm ocean water is infiltrating beneath Thwaites Glacier, leading to significantly speedy melting. This process, termed as “vigorous melting“, is eroding its stability. However, its potential collapse could lead to a staggering 10-foot rise in sea levels, posing a dire threat to coastal communities worldwide. Previous studies discovered a deep connection to the east through which deep water flows from Pine Island Bay. That study also attributed the melting to the heat transport caused by channels bringing warm water towards the glacier from the north. With melting, glaciers become light and float off the land where they used to be situated. The resulting retreating grounding line exposes more of a glacier’s base to seawater, increasing the risk of melting. Since the late 1990s, the glacier has seen a 14km retreat of its “grounding line.” The grounding line is the point where the ice flowing off the land and along the seabed floats up to form a huge platform.   https://www.pmfias.com/current-affairs-for-upsc-civil-services-exam-may-28-2024/   or here Satellite data reveals Antarctica's Thwaites Glacier is melting faster than we thought | Space WWW.SPACE.COM Seawater rushing miles beneath the glacier makes the ice more vulnerable to melting.  
    • I have notified all parties and will start a new thread.
    • The messaging app's boss has taken to social media to deny Mr Musk's claim it "exports user data."View the full article
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hello all, i have been in arrears with my ge money (formerly i group) mortgage from day 1 (3 years ago) and have finally given up and decided to sell and move to rented accommodation. GE have indicated that they may be willing to accept a redemption payment in full and final settlement of less than the amount owed. I have to obviously provide details of costs etc and send them an offer in writing. Has anyone out there done this before and what percentage did you offer?

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Hi there. Let me just say a huuuge welcome to CAG. There are so many friendly people on here ready and willing to help you.

 

Good luck :D

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

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Hi Jaz1. Let me say a huuuge welcome to you too. When you are ready, start your own thread (if you need help finding out where to start it, or just need help in actually sttaring one, just shout). Read up on all the facts and as many threads as poss. (Yes it does get a bit addictive after a while :D )

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

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Did they say this to you in writing or on the phone??? What costs are they asking you to detail? Did they charge you any fees for being in arrears?

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

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It was their collections guys who said they 'may' consider this based on the evidence I can supply and the offer I have from a buyer. They wanted everything from solicitors and estate agents fees to moving fees. My original mortgage was for 144,000, and after late payment charges (every month for 3 years) and my six month interest early repayment penalty my redemption figure is 157,000. I was going to supply the info they require and offer the original 144,000. Do you think this is an unreasonable starting point? I forgot to add that i'm on a variable rate interest only mortgage, and my monthly repayment has gone up from 980 to 1250 a month in the time i've had the mortgage

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You are posting :D . To start your own thread all you need to do is go to the forum where you want your own thread to be and then find the "new thread" button. Click on it, call it what you like (nothing rude and no swearing please) and voila you have your own thread where you can ask away. The new thread button looks like the one below . You can find it just obove the announcements for that particular forum on the left hand side.

 

 

newthread.gif

 

(Don't click on this one though unless you want to start a thread in this forum)

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[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

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Have you got a buyer yet? I'm not quite sure as to what to advise. I think you really need to do some sums and then work out a reasonable offer. Try and calculate it on the basis of what money will be left over once the property has been sold. eg Sale of house = £? less all the fees for selling. If you have had the property for 3 years, you hopefully would of paid off some of the original mortgage. Were you tied into a term with them eg you had to stay with them for 5 years. If poss try and find the original mortgage application and check their figure for early redemption.

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

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I've got to pop off for a while, but will check back a bit later. Hopefully someone else can advise as well whilst I'm off.

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

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okey doke....the mortgage is interest only so nothing has come off the original amount, in fact we are having to accept an offer for 5000 less than we paid for it due to the horrendous drop in house prices in our area. We have a firm offer of 165,000 (survey done etc). The sticking point is I have second charges applied by the courts for a loan and credit card debt on the property which unless I can pay will apparently stop me from selling at all (worth 24,000), If I can negotiate with everyone concerned I may manage to drag myself out of the mire, but i'm not confident. Will any remaining debt become unsecured?

 

My mortgage provider also uses the interest rate now to calculate my early redemption penalty which makes it 1200 higher than if i'd changed provider immediately upon taking the mortgage out...bummer

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Under the possession order you can go back to the court application fee is £30.00 and ask the Judge for an order allowing you to sell . The Judge has to look as to what is best you can then issue a secion 9 application to have your Mortgage company account for all the money they have taken from you once the house is sold. is is a short cut to mmaking them account for all the charges they applied

Bona

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What usually happens when you sell a property with more than one charge on it is - first off the mortgage gets paid and then the remaining money is used to pay off the other charges in the order they were placed on your property.

 

What Bona has said makes sense ( although I will have to go and do a bit of research as to what section 9 actually is)

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

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Section 9 is a little used application where you can apply for the otherside to address a situation it can only be used where there are proceedings you issue ther application they then have to then reply with in a time it is quiet compicated and I am in the procses of using it but you get a hearing much sooner thanif you issue a summons I got advice to use it but I cant untill we have the outcome of our costs hearing on Friday then we will issue the aplication for the morgtgae company to account for every penny they took on completeon when we sold our property the mortgage comapny then has give an account to the court of evry penny that they have taken and why they are also restricted in what they can do or cant do which from my research is to my benifit

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I'm not in a position where a posession order has been applied for (not yet anyway) I'm selling to try and make a fresh start and get some quality of life back. Will the second charges stop me selling if I can't negotiate away the negative equity they will cause?

 

Thanks for your previous comments by the way :)

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Morning All, i am yet another newbie, i am also hooked i have read some valuable information, and probably learned more than i did at school. Thank you x

Lloyds Credit card - £6K - PPI and interest refunded - £1200 remain F&F sent & accepted £360

Lloyds Overdraft - £620 - charges & interest refunded - £188.10 remain F&F sent & accepted £56

Black Horse loan - £10K - £2879 remain - F&F sent and rejected - CCA sent 3/6/13 deadline

Orange - £128 - £39 remain although CRA file states £11

Orange - £132 - £51.06 remain although CRA file states £45

 

Next stage F&F's to be sent - a step closer to being debt free

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2 threads merged.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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