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    • 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.
    • Millions (literally) of people commit speeding offences every year. If every one of them lost their job as a result those millions would be unemployed. I know of few jobs where a single speeding conviction would result in dismissal.   Should you be unfortunate enough to be in this position again simply follow the process as laid out in the paperwork. Don't get smart and start prattling on about your (mistaken) rights under GDPR or whatever. As you have seen, by the time you've established your rights correctly you will face a court hearing. You can ask for "photographs to help identify the driver" before you return your driver nomination form (though that does not stop the 28 day clock measuring the period in which you have to respond). Don't ask for "evidence" as it may be taken that you are disputing the matter and out-of-court disposals (far and away the most favourable option) may not be offered. You have no entitlement to evidence unless the matter goes to court. Most forces will provide such photos (though they don't have to) by giving you a link to follow. They rarely help in identifying the driver because their purpose is to identify the vehicle. Identifying the driver is your responsibility and if you fail to do so without a valid defence you commit a more serious offence which carries a hefty fine, six points and an endorsement code that will see your insurance premiums rocket.
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noddyaccount

Lloyds and halifax

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I have a credit card in dispute with lloyds , as Halifax is now part of it , can they pilfer my halifax acct. to get payment , how seperate are the entities .

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I have a credit card in dispute with lloyds , as Halifax is now part of it , can they pilfer my halifax acct. to get payment , how seperate are the entities .

 

If they realise then yes they can, the entities are no longer seperate. There are rules, like not leaving you exposed to imminent DDs etc, BUT it's their bank so their rules apply (which they make up to suit).

 

Tread with caution, maybe set up a parachute account - difficult to say without knowing any background or amounts involved!

 

M


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ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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Can they take from a joint account if the debt is only in one name ?

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Can they take from a joint account if the debt is only in one name ?

 

Yes. B/card did on mine. Card in my name - joint account. As I said, they make their own rules :mad:. They really don't care.

 

M


________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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Taking my name off the account would stop them though ?

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Good thinking. If the cards aren't joint then that should stump them. I'd see if anyone else comes up with an opinion on that but I think you're right :).

Our original account was Woolwich (which became Barclay) so B/card stuffed me.

M


________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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Good thinking. If the cards aren't joint then that should stump them. I'd see if anyone else comes up with an opinion on that but I think you're right :).

Our original account was Woolwich (which became Barclay) so B/card stuffed me.

M

 

Thank you , Was that when your woolwich card became b/card , or when woolwich became Barclays , is the woolwich still with us ?

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Had a Barclaycard and banked with the Woolwich for about 20yrs at least! Barclays took over Woolwich and the card sharks ambushed my account for the arrears. Tried complaining but was basically told to go and whistle for it. Woolwich no longer exists :(. Only decent bank i've ever had!

 

M


________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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