Jump to content

 

BankFodder BankFodder


  • Tweets

  • Posts

    • Hi,   I could do with some help with this one. I was in touch with Robway by phone (I know never never do that!) to check a payment whihc was recently made.   During the call they asked if I was going to make a payment on another case which had gone to judgement.   I had no knowledge of any case going through the courts but she confirmed that a judgement had been made in the middle of 2019. The case being an old BPF Car loan that had gone quiet for the last 4 years. I had moved house and sent all the new address details to all the usual places as well as some DCA's.   Robway had the wrong address, same street but different number house and all court papers had been sent to the wrong address. The CCJ is not on my credit report and had it not been for this phone call I would have known nothing about it.   Robway have out a 30 day hold on the account as I have made a complaint about the loan being mis sold, which it actually was but whether I have enough proof or not is another thing.   What should be the next step?   My credit file is not the most important thing, avoiding the bailiffs is.  (I am hoping they haven't visited the people at the wrong address, I'm not sure on the timescale after judgement that they start to visit.)   Would it be an idea to try and get the judgement set aside and if successful fight it on the basis of ineligible paperwork? (I would need to CCA Hoist again to see what they have as it has been 4 years or so since the last one from BPF which turned up a contract that was hardly readable.)   I have a letter from Robway from a few weeks ago (Pre phone call) which proves they have my correct address on file which could sway the judge to set aside.   I still have no notification about the CCJ/judgement whatsoever apart from the phone call to Robway.   You can find a link to the old thread in post 2   Many thanks for reading through this.    
    • I wouldn’t want to live under a repressive government that had a centrally controlled economy and actively suppressed dissent. Yet such an economy could bring massive resources (financial and manpower) into play.   Coronavirus: How can China build a hospital so quickly? https://www.bbc.co.uk/news/world-asia-china-51245156   It isn’t just that it is being built so quickly, but also that it is being built with infection control in mind, and means other healthcare facilities can transfer suspected cases there, retaining their capacity to treat non-respiratory illness patients.
    • I cannot see how they can issue a Court claim, if they have not issued a default notice.   You might owe a debt, but if the terms of the account require the Bank to take certain actions before they could enforce the debt in a Court, then I would suggest you study the account terms/conditions very carefully.  If you can become expert in understanding the account terms, this might come in handy, if you ever did have to defend a Court claim.
    • The key determinant to UB’s scenario is : at what point in relation to when they develop symptoms are those people infectious.   Chickenpox, for example, is infectious (by airborne droplet spread) 2 days before the rash appears. So, the patient might feel a “bit unwell / virally ill” without any specific signs, and not have sufficient symptoms / signs to allow action to be taken.   There isn’t enough data (yet!) to know when 2019-nCoV becomes infectious.   https://www.cdc.gov/coronavirus/2019-ncov/about/transmission.html   “Best guess” is when they start having symptoms of coughing and sneezing, at least that will be peak infectivity.   If they are soon to become symptomatic, how infectious is a single cough or sneeze? Nobody yet knows. Edit: hot off the press: China coronavirus 'spreads before symptoms show' https://www.bbc.co.uk/news/world-asia-china-51254523   As for “Do the Government/NHS have sufficient contingency measures in place to deal with any such crisis ?“   The Agency leading (at least for England, each of the other 3 nations of the UK has a similar body) is Public Health England. It isn’t part of the NHS per se, (but works with the NHS). It is “government”, but quasi-autonomous.  It describes itself as “We are an executive agency of the Department of Health and Social Care, and a distinct organisation with operational autonomy”.   PHE has issued guidance, both for primary care and secondary care, for (amongst other things): a) who gets tested, b) case management, and c) infection prevention measures.   Whilst more information specific to 2019-nCoV is being learnt, these are pretty much based on what we know from SARS and MERS, but I’d expect them to get “fine-tuned” as we know more.   So, there are plans.   2 factors spring to mind immediately, though.   A) Can the plans be fully implemented? Hospitals are already facing bed pressures. If demand for resources (such as FFP3 masks) soars: will supplies match demand? (Both for “total number of units available overall, over the total period of demand”, but equally importantly  “supplies deliverable on demand: what would be the equivalent of ‘cashflow’ for a bank“)   B) Availability of testing. With a small number of cases meeting the case definition, each can be tested. If 2019-nCoV becomes widespread, will the availability of testing match demand? What will the turnaround time for testing be?   Will testing matter if it becomes widespread? At the moment, there is widespread availability of testing for Flu and the most common respiratory viruses. This is useful so that they can prioritise the isolation of Flu A patients in hospital, and offer them treatment for FluA, and Mrs Bloggs who looks like they might have flu, but actually has picornavirus on a background of chronic bronchitis doesn’t get isolated and doesn’t get flu treatment once her results are back.   Will testing matter as much for 2019-nCoV? Not for treatment (as there is no specific antiviral at the moment). How about for decision on isolation? That’ll depend on how many cases there are (there may not be enough side rooms), and if testing supply can match demand.   (not quite “worst case” but “not great case”) scenario is : A) Hospital wards: not enough side rooms. “Cohort nursing” in bays (or even “cohort wards”), so Mrs Bloggs with her rhinovirus and chronic bronchitis gets put in the bed next door to Mrs Bull who has 2019-nCoV (or, even: next door to Mr Bull, if things get bad enough the ‘same sex’ rules get suspended). B) Split Emergency Departments. Non “?flu, ?2019-nCoV” go to one side, those with compatible respiratory symptoms go to another waiting area. All the respiratory symptom patients lumped in, waiting, together. I’d expect once people realised where they would be waiting they would only go if they really had no other choice ...... On the plus side, much was learnt from the SARS outbreak, so they are better informed than when they first faced SARS
    • You don't get a good deal from the USA, look at all the tech we gave them during and after World War II, then they tried to stop us using the tech we invented and provided to them.
  • Our picks

ukaviator

What Made You Smile Today?

style="text-align:center;"> Please note that this topic has not had any new posts for the last 422 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Share this post


Link to post
Share on other sites

A Queen Bee in my kitchen:-D I let her out to start a colony:-D

Share this post


Link to post
Share on other sites

Finding the dog in the green house.. sunbathing :)


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Share this post


Link to post
Share on other sites

getting second, third and fifth in the Grand National though only pay out on first 4!


If I owe you money, take a number and join the queue. If you owe me money pay up and shut up

 

 

 

 

[sIGPIC][/sIGPIC]

Share this post


Link to post
Share on other sites

Picking Pineau de re because it sounded like a wine! :lol:

Share this post


Link to post
Share on other sites

well done Dotty!


If I owe you money, take a number and join the queue. If you owe me money pay up and shut up

 

 

 

 

[sIGPIC][/sIGPIC]

Share this post


Link to post
Share on other sites

Spiderman Channel 5:-D Not my usual bag but glad I didn't turn over. Still on now.

Share this post


Link to post
Share on other sites

Was invited to a sports thing for disabled people. (our running club has people with a wide range of disabilities) I ended up meeting the girl who came 2nd in the wheelchair mini marathon at London on Sunday.

Share this post


Link to post
Share on other sites

Went past the local Cheque Centre down the 'dark end' of town and noticed that it is closing down on 21st April, and wasn't issuing PDLs from the 1st April - wonder what has happened there then - hope it is a lack of punters!

Share this post


Link to post
Share on other sites

Next door neighbour dog who I walk on a regular basis .He's sulking because he stayed with us all week due to my neighbour been on holiday so he had to go back home today.

Share this post


Link to post
Share on other sites

Getting stuff packed up as moving, nearly finished living room, then clothes into space bags, and kitchen tomorrow morning before I go to pick keys up at 10am.

Share this post


Link to post
Share on other sites
Getting stuff packed up as moving, nearly finished living room, then clothes into space bags, and kitchen tomorrow morning before I go to pick keys up at 10am.

 

May you have a move without a hitch SG:-D Focus on the relax time at the end with a cuppa or something stronger:hug:

Share this post


Link to post
Share on other sites

Thanks Termi, btw Monte from the clothes stall at the bottom of the high street was asking after you - she has some lovely crochet stuff in at the moment.

 

I'm moving about 1/2 mile away into an over 55 block, too many pushchairs in the hallway here for my liking and this flat isn't very warm in winter which doesn't help my osteoarthritis!

Share this post


Link to post
Share on other sites

Hope the move went well SG. OOO crochet, tea n buns all round, I will have to get over:-D

 

Water canons on The One Show. They say the Home Office have to say yay or nay.

 

Like the CAG flyer hope you all seen. http://www.consumeractiongroup.co.uk/forum/showthread.php?424149-Consumer-Action-Group-Flyer

Share this post


Link to post
Share on other sites

Got my next mental health appointment through hopefully it will be better than last time and might get things kick started into a better frame of mind


Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

Share this post


Link to post
Share on other sites
Got my next mental health appointment through hopefully it will be better than last time and might get things kick started into a better frame of mind

 

does anyone else ever feel like running away from life? i dont mean the big S word but just vanishing without trace, its hard to do i know but it is do-able


Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

Share this post


Link to post
Share on other sites
does anyone else ever feel like running away from life? i dont mean the big S word but just vanishing without trace, its hard to do i know but it is do-able

 

 

Yes often :(

 

An island somewhere sounds good


<<< If I have helped please click my star :-D

 

Get The Consumer Survival Handbook

Share this post


Link to post
Share on other sites

i know, it would be nice, i was thinking more living homeless, no bills, maybe a pop-up tent for comfort, just roming and staying mainly out of sight and mind, i have my own reasons and to be fair its probably one of the reasons im seeing mental health for the second time in a few months.


Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

Share this post


Link to post
Share on other sites
does anyone else ever feel like running away from life? i dont mean the big S word but just vanishing without trace, its hard to do i know but it is do-able

I think a lot of people want something different from life but it is what it is work home and back to work to pay bills and to buy persuasion.I think as you get older your outlook on life changes you thank someone you got up out of bed in the mourning and that you are in good health..

Share this post


Link to post
Share on other sites

Share this post


Link to post
Share on other sites

Lol mep lost and found

 

£0 bid at auction


Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

Share this post


Link to post
Share on other sites

Spotted White Van advertising " Ladderless Window Cleaning". Four pairs of ladders on the roof!!!!!!!!!

Share this post


Link to post
Share on other sites

Our house guest for the weekend. A 6 month old fox terrier named Rocky. He's so cute but a bit dim. DS and his gf just took him for a long walk and he (the pup not DS!) bumped into 3 lamp posts as he was so busy looking around him. Bumped into DS a few times too!! :lol:


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Share this post


Link to post
Share on other sites
Our house guest for the weekend. A 6 month old fox terrier named Rocky. He's so cute but a bit dim. DS and his gf just took him for a long walk and he (the pup not DS!) bumped into 3 lamp posts as he was so busy looking around him. Bumped into DS a few times too!! :lol:

 

:lol:


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...