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    • March 23: As the coronavirus crisis escalates, the UK is placed into lockdown with strict limitations on travel. The Government guidelines state: “You should not be visiting family members who do not live in your home.” The prime minister tells the UK public they "must stay at home". People are warned not to meet friends or family members they do not live with. Those with symptoms had already been told to self-isolate     Friday 27 March: Downing Street On the day Cummings ran out of No 10, his wife, Mary Wakefield, appears to have been already ill, according to her Spectator article about the experience, in which she says: “My husband did rush home to look after me.”   Both Boris Johnson and Health Secretary Matt Hancock test positive for coronavirus, while chief medical officer Chris Whitty says he has symptoms of the disease and is self-isolating.   Mr Cummings said: "I suddenly got a call from my wife who was looking after our four-year-old child. She told me she suddenly felt badly ill." He went home and after a couple of hours his wife felt better and he returned to work. "There were many critical things at work and she asked me to return [to work] in the afternoon and I did." He then "drove up to Durham that night arriving at roughly midnight" with his family.     In spectator articles on 24th and 25th April * Wakefield (wife) wrote in the spectator that Cummings said “I feel weird” and collapsed 24 hours after he came home to look after her * She went on to explain that for the next 10 days “Dom couldn’t get out of bed. Day in, day out for ten days he lay doggo with a high fever and spasms that made the muscles lump and twitch in his legs.” * Cummings wrote that “at the end of March and for the first two weeks of April I was ill, so we were both shut in together.” * The following days, by Wakefield’s account, were a mixture of family idyll and health nightmare, as she made a “palace out of polystyrene packaging” with their son … even as Cummings’s breathing got so bad that she feared he should be in hospital. But 10 days after her husband first fell ill, she said, he began to feel better – just as Boris Johnson went into hospital. That would place the improvement in his condition around Sunday 5 April,     Sat March 28th Is apparently the day Cummings said “I feel weird” and collapsed 24 hours after he came home to look after her His wife went on to explain that for the next 10 days “Dom couldn’t get out of bed. Day in, day out for ten days he lay doggo with a high fever and spasms that made the muscles lump and twitch in his legs.” Cummings wrote that “at the end of March and for the first two weeks of April I was ill, so we were both shut in together.” 10 days from March 28th – would take us to the 7th April.   Mon March 30: Downing Street confirms Mr Cummings is suffering from coronavirus symptoms and is self-isolating.   Tuesday 31 March/1st April: Durham The police have said that on 31 March they were “made aware of reports” of Cummings’s presence in the area and had then contacted the family to “reiterate the appropriate advice around essential travel”.   2 April: During the night, Mr Cummings' four-year-old son "threw up and had a bad fever". Following medical advice, an ambulance took the child to hospital. He was accompanied by Mr Cummings' wife   3 April: Mr Cummings' son spent the night in hospital and woke up the next day having "recovered". He was tested for coronavirus and his mother, who was with him at the hospital, was told "they should return home". According to Mr Cummings, there were no taxis so he "drove to the hospital, picked him up and returned home". He said he "did not leave the car or have any contact with anybody on this short trip".   Sunday 5 April: The ‘Abba’ sighting (despite claims of ten days where he couldn’t get up with a high fever) Cummings alledgedly seen in Garden with AbbA blaring But 10 days after her husband first fell ill, she said, he began to feel better – just as Boris Johnson went into hospital. Which would place the improvement in his condition around Sunday 5 April, … Although the claimed 10 days after the 28th – the earliest point at which Cummings was said to have been symptomatic – would be the 7 April. The Guardian approaches Downing Street about the story, only to be told by a spokesman: “It will be a no comment on that one.” Mr Cummings said "after I started to recover, one day in the second week, I tried to walk outside the house". He confirmed he, his wife and his son went for a walk into woods owned by his father and it was at this point he was seen by passers-by but his family "had no interaction with them". The exact date is not clear but his second week isolating in Durham would have between 4-11th   6 April: At some point in the week leading up to this date, Mr Cummings discussed his decision to travel to Durham with the prime minister. "When we were both sick and in bed," he said, "I mentioned to him what I had done. Unsurprisingly given the condition we were in, neither of us remember the conversation in any detail."   Fri April 10: Number 10 is again contacted for comment regarding Mr Cumming’s trip by the Guardian. Instead of defending the journey, officials declined to comment.   Fri 10th/Sat 11th April: The 14-day period of Cummings’s isolation would have expired on 10/11th April, assuming it is counted from when Wakefield appears to have first fallen ill on 27 March or when Cummings fell ill 24 hours later.   11 April: Believing he had recovered by this date, albeit "feeling weak and exhausted", Mr Cummings said he "sought expert medical advice". "I explained our family's symptoms and all the timings and asked if it was safe to return to work on Monday or Tuesday, seek childcare and so on. I was told that it was safe and I could return to work"   Sunday 12 April: Barnard Castle Wakefield’s birthday, according to Companies House records – they allegedly made a trip to Barnard Castle, a charming town 30 miles from the Cummings’s family property, described on the English Heritage website as having “fantastic views” and “plenty to do for families on a day out”. That detail emerged in an interview with Robin Lees, a retired chemistry teacher who lives in the town. Lees, who says he has a photographic memory, told the Guardian he was “a bit gobsmacked” to see Cummings, and then was so incensed that he made a note of the family car’s numberplate and checked it online when he got home. Cummings acknowledges he drove to Barnard Castle, 30 miles from his parents' home in Durham, with his wife and child. He explained this episode as needing to test his driving was fine before making the long drive back to London. He said he'd been having problems with his vision   Tuesday 14 April: London The Guardian asked Wakefield to confirm whether the family had been in London throughout the lockdown period, but received no reply. Cummings was photographed back in Downing Street on 14 April   Sunday 19 April: ‘bluebell’ woods - Cummings and Wakefield in Houghall woods? Could Cummings have then gone back to the north-east from London? Downing Street is emphatic that he did not. The denial came after another witness claimed to the Guardian and Sunday Mirror that they had seen Cummings and Wakefield on a country walk in Houghall Woods, a beauty spot near his parents’ property in Durham. According to this account, Cummings said: “Aren’t the bluebells lovely?” Cummings says he did not return to Durham   Monday 20 April Cummings seen in London again   May 23: Downing Street statement: “Owing to his wife being infected with suspected coronavirus and the high likelihood that he would himself become unwell, it was essential for Dominic Cummings to ensure his young child could be properly cared for.” The statement said: “At no stage was he or his family spoken to by the police about this matter, as is being reported. “His actions were in line with coronavirus guidelines. Mr Cummings believes he behaved reasonably and legally.” Speaking outside his home, Mr Cummings reiterated: “I behaved reasonably and legally”. When a reporter suggested to him that his actions did not look good, he replied: “Who cares about good looks? “It’s a question of doing the right thing. It’s not about what you guys think.” Later at the daily Downing Street briefing, Transport Secretary Grant Shapps said Mr Cummings had the PM’s “full support” and that Mr Johnson “knew that he was unwell and that he was in lockdown”. Mr Shapps said it had always been permissible for families to travel to be closer to their relatives as long as they “go to that location and stay in that location”. Meanwhile, deputy chief medical officer for England, Dr Jenny Harries, said that travelling during lockdown was permissible if “there was an extreme risk to life”, with a “safeguarding clause” attached to all advice to prevent vulnerable people being stuck at home with no support.   Health Secretary Matt Hancock and Chancellor of the Exchequer Rishi Sunak have tweeted their support for Mr Cummings.   Education Secretary Gavin Williamson said on Monday morning that Mr Cummings had "set out absolutely clearly and absolutely categorically he didn't break the rules and didn't break the law". The attorney general, Suella Braverman, tweet on Saturday in which she quoted the full text of the No 10 statement on Boris Johnson’s chief aide in which the prime minister said he had behaved “responsibly and legally”.   (Disgraceful) Boris Johnson said at the weekend Cummings acted “responsibly and legally and with integrity”   “The PM’s risible defence of Cummings is an insult to all those who have made such sacrifices to ensure the safety of others,” said Johne Inge, the bishop of Worcester, on Twitter.   “What planet are they on?” asked a front page headline in the Daily Mail, an influential right-wing paper usually supportive of Johnson.   https://descrier.co.uk/politics/dominic-cummings-and-wife-tried-to-cover-up-lockdown-breach-in-articles-for-the-spectator/   https://www.theguardian.com/politics/2020/may/24/dominic-cummings-timeline-what-we-know-about-his-movements   https://www.eveningexpress.co.uk/news/uk/timeline-the-coronavirus-lockdown-and-dominic-cummings-trip-to-durham/   https://www.bbc.co.uk/news/uk-politics-52784290   https://www.theguardian.com/politics/2020/may/25/attorney-general-faces-calls-to-resign-defends-dominic-cummings-suella-braverman   https://uk.reuters.com/article/uk-health-coronavirus-britain-cummings/what-planet-are-they-on-no-respite-for-johnson-and-aide-idUKKBN2310UE   https://cyprus-mail.com/2020/05/25/what-plant-are-they-on-press-slams-johnson-and-cummings/
    • simply tell them on the phone writing only sorry as I might want to escalate this to the fos or court. sorry but no speaky..speaky   you night find this interesting?   https://www.theguardian.com/money/2012/jun/09/life-insurance-misselling-aviva-hamilton-life   dx
    • I've had a few missed calls and then text from RBS wanting to talk about the letter I sent, two posts up.    Am I best to wait for them to write? Didn't really want to get into a discussion with them about it ideally!
    • I haven’t even looked.  I doubt some PR bod would have been in the loop.
    • Gove will be rubbing his little hands together in glee. He been quite careful in his limited wording in 'supporting demonic. but he poo'd his own pot a bit with that priority preferential test   No confidence vote (in PM not party).
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akuma

capQuest

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3106 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

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I went to grammer skool too. They didn't teach me nuffink about DCAs though :D

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I went to grammer skool too. They didn't teach me nuffink about DCAs though :D

 

Haha, bl**dy riff-raff. Spose the closest the teaching staff came to them was when they were having their shoes polished :D

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Akuma doesn't seem very excited by the discovery of PPI.


I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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Akuma doesn't seem very excited by the discovery of PPI.

 

Don't worry, he's on the case now - think he (sorry, assuming its a he) was a little unsure of their position.

 

New thread in the PPI forum, have asked Alanalana to have a look in tomorrow when he's next on line

 

Gez

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Akuma doesn't seem very excited by the discovery of PPI.

 

yes

 

lilly


Id quot circumiret, circumveniat.

 

please do not take my word for anything please do your own research All that i make comments on are done in good faith and to the best of my knowledge

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Thanks Huff&Puff and all.

IS there a letter template that I can write to CapQuest with?

cheers

 

 

Please explain Blair oliver and scott do you have any letters from them i would like to see them

 

Also do you have the letter from Cap.......... i would like to see that

 

minus person......details


Id quot circumiret, circumveniat.

 

please do not take my word for anything please do your own research All that i make comments on are done in good faith and to the best of my knowledge

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Also do you have the letter from Cap.......... i would like to see that

 

minus person......details

 

Post #11 Lills ;)

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ok

 

Given that the letter is to you.

 

When you cca them did you ask for a certificate of insurance.why where you not aware of this,


Id quot circumiret, circumveniat.

 

please do not take my word for anything please do your own research All that i make comments on are done in good faith and to the best of my knowledge

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also i must say they got the cca back quick.


Id quot circumiret, circumveniat.

 

please do not take my word for anything please do your own research All that i make comments on are done in good faith and to the best of my knowledge

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o yes are you watching Barry

 

its lilly


Id quot circumiret, circumveniat.

 

please do not take my word for anything please do your own research All that i make comments on are done in good faith and to the best of my knowledge

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also i must say they got the cca back quick.

 

Hi Lills

 

Akumas new to the ins and outs of this and to be honest a couple of others missed the PPI as well so its easily done.

 

As its pre 2005 it shouldnt be too much of an issue getting this sorted but have asked Alan to take a look on the other linked thread in the PPI forum in case theres a recent win against Sainsburys which would give Akuma an easy copy and paste approach.

 

The quick response to CCA has probably done the OP a favour as its brought the issue to the fore

 

Gez

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yes you are correct the PPI can be sorted.

 

However i have not heard of Blair Oliver and Scott with Sainsburys as they are Part of the RBOS WHICH I DO FIND INTERESTING

icon12.gif

Blair Oliver Scott stands for BOS


Id quot circumiret, circumveniat.

 

please do not take my word for anything please do your own research All that i make comments on are done in good faith and to the best of my knowledge

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yes you are correct the PPI can be sorted.

 

However i have not heard of Blair Oliver and Scott with Sainsburys as they are Part of the RBOS WHICH I DO FIND INTERESTING

icon12.gif

Blair Oliver Scott stands for BOS

 

New to me as well, I'm assuming the loan was underwritten the same as Tescos by RBoS?

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Sending this to CapQuest;

Dear Sir/ Madam,

 

I am bemused by your claims of indebtedness as I have no record of a lawfully terminated agreement with said Original Crdeitor but to assist with your investigations I will oblige by corresponding with the alleged Original Creditor in order to effect disclosure of all information by way of Subject Access Request.

 

Thanks to Gezwee.

 

p.s I am not excited by learning that I was missold a PPI as I am not sure the implications of this. However I have created a new thread in the PPI part of the forum and I am awaiting from others to advise.

thanks to everyone

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Sending this to CapQuest;

Dear Sir/ Madam,

 

I am bemused by your claims of indebtedness as I have no record of a lawfully terminated agreement with said Original Crdeitor but to assist with your investigations I will oblige by corresponding with the alleged Original Creditor in order to effect disclosure of all information by way of Subject Access Request.

 

Thanks to Gezwee.

 

p.s I am not excited by learning that I was missold a PPI as I am not sure the implications of this. However I have created a new thread in the PPI part of the forum and I am awaiting from others to advise.

thanks to everyone

 

:grin: The implications are.. if the PPI was mis sold, which I think it might possibly have been then this could reduce considerably any debt owed. Or depending on the balance.. wipe it out completely.

 

There has been a recent court case in South shields

 

Judge quashes woman's £8,000 credit card debt in 'landmark ruling' on mis-selling of payment protection insurance | Mail Online

 

Will continue discussing this on your PPI thread. :D


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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

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Received from CrapQuest this morning;

 

Please be advised that as you require a Subject Access Information the following are requested;

- A cheque for £10.00 for administrative purposes

- proof of Identity.

 

If we have not heard from 6th Feb then your account will be passed to our Collection department for further action.

 

I have requested SUbject Access Information from Sainsburys bank so not sure why they think I asked them.

I sent this to CrapQuest

 

"I am bemused by your claims of indebtedness as I have no record of a lawfully terminated agreement with said Original Crdeitor but to assist with your investigations I will oblige by corresponding with the alleged Original Creditor in order to effect disclosure of all information by way of Subject Access Request."

 

 

And also they have increased my debt by £40 pounds?! Not sure why.

 

cheers

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Ignore the idiots, its cos they didnt understand what you said and their threatograms don't have enough options to handle a sane response.

 

Gez

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Proof, if more were needed, that they really can't read and write :rolleyes:

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Proof, if more were needed, that they really can't read and write :rolleyes:

 

Couldnt have put it better :D

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Just received this today.

 

LETTER BEFORE ACTION

 

It is our intention to progress your account to our pre-litigation system...the litigation process will seek an Order of the Court, directing you to pay monies outstanding. In the event that we do obtain a Warrant of Execution, a Court Enforcement Officer(Bailiff) will be assigned to attend to your address and carry out the Warrant.

A Walking Possession Agreement means that the goods that have been seized now legally belong to the Bailiff...etc

All this action is avoiadable if you contact this office immediately...

 

Now I need to know what I should do.

cheers

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Ignore Capquest and their stupid pre-school department. I would complain to Trading Standards and the OFT that CQ are chasing a disputed alleged debt, in contravention of the OFT guidelines. That will often make a DCA go away as well.

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Is there are template to complain to Trading Standards and the OFT that CQ are chasing me a disputed debt?

Also I have sent Sainsbury's a Subject Access Request on the 24th of January 2010. As yet I have not heard from them whether they have received the letter which was sent recorded. How do I acknowledge from them that they have received my letter? When should they get back to me?

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Is there are template to complain to Trading Standards and the OFT that CQ are chasing me a disputed debt?

Also I have sent Sainsbury's a Subject Access Request on the 24th of January 2010. As yet I have not heard from them whether they have received the letter which was sent recorded. How do I acknowledge from them that they have received my letter? When should they get back to me?

 

Hi Akuma

 

Not that I'm aware of, I've generally just set out my stall in corresponding with the OFT.

 

Piece a letter together outlining your problem regarding mis sold PPI and the passing of the account to a third party whilst in dispute.

 

If you're not too hot with articulating what you want to say (not everyone is, so don't worry) then post up a draft of what you want to send and others will take a look and offer ideas/amendments for you to have a think about.

 

Gez

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Just received this today.

 

LETTER BEFORE ACTION

 

It is our intention to progress your account to our pre-litigation system...the litigation process will seek an Order of the Court, directing you to pay monies outstanding. In the event that we do obtain a Warrant of Execution, a Court Enforcement Officer(Bailiff) will be assigned to attend to your address and carry out the Warrant.

A Walking Possession Agreement means that the goods that have been seized now legally belong to the Bailiff...etc

All this action is avoiadable if you contact this office immediately...

 

Now I need to know what I should do.

cheers

 

 

Letter toTo CapQuest,

 

Dear Sirs,

 

Account Ref:

 

Official Complaint

 

I am in receipt of your Letter before Action and am astonished that you continue to flout OFT Debt Collection Guidelines.

 

There is a genuine dispute with the original lender on this account, that of mis sold PPI.

 

In this respect, I have now made an official complaint to the OFT in respect of your harrassment.

 

If you continue to pursue this account whilst the dispute remains unresolved, I will also be making a complaint to the Financial Ombudsman.

 

Yours etc.

 

 

 

 

You can complete the form in the following link. Just say there is a genuine dispute over any liability owed to the creditor in that you have just discovered that they have mis sold a PPI product.

 

http://www.consumeractiongroup.co.uk/forum/letter-templates/155095-complain-oft-about-unfair.html


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

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thanks citizenb

I received this from CrapQuest.

We thank you for your correspondence and respond as follows:

- This account has been passed to the relevant department.

 

What does this mean?

Thank you to all who have responded.

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