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    • Not sure about the lease read through all the documents i have and couldnt find anything about parking. Contacted the management Office to get a copy sent to me. When i complained to them about the ticket they told me to appeal so they clearly don't care.      and yes it's a gated underground parking area with key fob entry. 
    • The coronavirus pandemic has thrown many countries into recession - but what exactly is it and how could it affect you? View the full article
    • Oh and before bed   Officially leaked statements about a PHE report claiming that a UK study will say there is little evidence of children transmitting Covid.   Leakers stats look impressive until you realise he's on Johnson's SAGE so makes you think - huh - hows that then when all the science I've seen says different, and there are a number of reports of spreads in schools across the world from schools that had opened.   Then, little as the information 'leaked' is, you see   "largest studies in the world on coronavirus in schools" and then "The study was carried out in 100 institutions in the UK and is expected to be published later this year. About 20,000 pupils and teachers in 100 schools across England were tested to monitor the spread of the disease up to the end of the summer term – which runs from April-July in Britain."   Then you click. That averages 200 pupils and staff per 'institution' checked We dont know what these institutions are, but I think over 200 is the average for infants schools. Other schools tend to be FAR larger. Did they test everyone at each institution, or just some ??? we don't know yet - they are choosing not to leak that - Wonder why?   We currently understand that younger children (pre teenage) seem to present few/less symptoms  (statistically) but large increases in teenager covid has been reported as lockdowns ease and they start to meet more.   I know my OH's grandson (mother a nurse) has remained at school in classes one third or less that normal, with the majority of kids having front line worker parents - so well aware of the discipline and hygiene necessary. We know the schools maintain distancing, monitoring and maintenance which would be IMPOSSIBLE in normal class sizes.   So in a lock down situation, with class sizes significantly lower than normal (highly aware front-line workers kids mainly), increased distancing and cleaning made possible by SIGNIFICANTLY smaller class sizes - Has maybe resulted in no great evidence of covid spread perhaps?   Well Whoopy do. Lets ramp the class sizes back up to 30+ and see what happens ..     Lets let the mail lead the way Coronavirus infection rates are rising in ALL age groups under 65, Public Health England data shows with biggest surge in under-fives which 'should be watched very carefully' https://www.dailymail.co.uk/news/article-8615423/Coronavirus-infection-rates-rising-age-groups-65-Public-Health-England-data-shows.html     and the ONS stats showing how similar the stats are (a statistically significant  difference can be very little actual difference)   https://www.ons.gov.uk/peoplepopulationandcommunity/healthandsocialcare/conditionsanddiseases/articles/coronaviruscovid19infectionsinthecommunityinengland/july2020     Notes: These statistics refer to infections reported in the community, by which we mean private households. These figures exclude infections reported in hospitals, care homes or other institutional settings.  
    • i understand and agree you should write a formal letter of complaint about the email by royal mail.   i also think you should totally dispute the arrears balance, esp as it goes back so long   send them an sar and add to the text in it that you want statements/bills dating back to the gb energy a/c.
    • When you see the reports coming out that serco was involved from the earliest stages apparently to give expertise   and that resulted in 18 million plus people coming back into the UK untested from hotspots .. and then even the general advice to self isolate after they had travelled across the UK home being withdrawn in the run-up to the lock down   That went well says cummings      
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    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
      I’m so stressed,
      can u appeal this or should I just accept it?
      Thanks for reading 
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      • 16 replies

Debt relating to a deceased person

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Hi all, wonder if you can help. My mum died in February and as executor of the will I took on all responsibility for the paperwork. For the most, everyone mum owed money to have been really good and are happy to wait until I can sell her house to release the estate. However, Co-operative credit card sent the account straight to a bunch called Philips & Cohen 'a specialist' debt collector. In a nutshell, I have been hounded by them about the estate and they have even suggested that they will put a charging order on the property as they don't feel i am doing everything to sell the house!!! No, I won't give it away for next to nothing just to pay them an £1800 debt. So I sent a cca request in October and told them to stop ringing me and writing to me, quoted every harassment law at them and they seem to have behaved since. However, as at 10th December still no CCA so I sent them a letter off here stating that they hadn't responded within the appropriate timescale etc etc. Will post in full later. I have since received a letter stating that the regular legislation doesn't apply to them! I will post their full response later. Can anyone give me an idea of what happens next?

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LLoyds: (Husband) - *Settled in full* 20/12/06

Halifax: (Mum) - *Settled in full* 05/12/06

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GE Capital - *Settled in full* 16/11/06

Barclays: - *Settled in full* 04/01/07

Capital One: - *Settled in full* 02/02/07

MBNA: - *Settled in full* 30/01/07

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I would have thought that the CCA request DOES still apply to them as its a CC, although someone more knowledgable than me can advise properly. I would suggest a strongley worded complaint to the OFT, TS, and them, copying each company in. As far as the charging order is concerned, its my understanding that only a Judge can make that decision.

DCA's - they have the same power as an infinite number of untrained chimps working on a script for Hamlet, but the chimps would probably at least get it right :D

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There is no reason for a court to issue a charging order on the house I and I can see no reason why he would do so.

As the executor of the will you have the right to examine any documents relating to your mothers estate and so they are obliged to deal with you as if they were dealing with her.

They certainly do have to respond to the CCA and if they cannot provide one then they are entitled to nothing from the estate.



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Nat West Charges £1056 WON

RBS Charges £3600 WON

RBS Unenforceable Loan £18500 Pending

RBS PPI on loan above Pending

MBNA Credit Card CCA & SAR Sent

Co-op Credit Card CCA Sent

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Hello Michelle


Sorry to hear about your loss.


Do you know if there are any charges on the card account?


Without a fully executed agreement, they will have trouble collecting any debt. Have you considered informing Trading Standards about their actions?


Do you know if your mum had any insurance on the credit card?


Some lenders include life insurance as a matter of course but only to cover the consumers liability with them, and no other creditor. Also it's usually the case that the customer is unaware of it.

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The executor or administrator must ensure that they repay the deceased individual’s creditors in a certain order. Mortgages must be paid off first, followed by rent arrears; water rates; council tax; fuel; personal loans and credit cards; and finally debts to the Exchequer such as outstanding tax or overpaid benefits.


A person appointed as an executor in a will only has a responsibility to divide the assets and pay liabilities out of the funds available from the deceased persons estate (if there is enough left).


If there are not enough funds left to pay the liabilities, there is no legal claim or requirement on the executor whatsoever to have to make up any shortfall from their own monies.... They are written off. !


An executor is simply the person who rounds up assets, divides them accordingly and pays debts and liabilities out of what is available.... nothing more. However this can take months when the sale of property is concerned, particularly as the housing market now stands.


DCAs know the law, they also know that they are at the bottom of the pecking order so ignore all their huffing & puffing. Send them a photocopy of the death certificate along with the CCA request & emphasise to them unless they comply they will be excluded as they have not proven any debt.

Anthrax alert at debt collectors caused by box of doughnuts


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I should have added that if you have been granted probate, send a copy of that too as it will verify to these muppets that you are legally entitled to this information!

What is probate? : Directgov - Government, citizens and rights

Edited by cerberusalert

Anthrax alert at debt collectors caused by box of doughnuts


Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.


Vir prudens non contra ventum mingit



17 Port & Maritime Regiment RCT

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