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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 
      • 16 replies
stripper

6 year timescale

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I have been paying a debt to a DCA for 7 years and in the last 3+ years they have neither contacted me for the usual payment increase nor sent me any form of statement detailing my balance.If this carries on for a further 3 years does this make the situation 'Statute Barred?'

Thanks

Stripper:confused:

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Hi,

Unfortunately not.

The only way a debt becomes Statute Barred is if NO payment is made in a six year period (5 years in Scotland) AND you haven't acknowledged that you owe a debt in the same period


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Thanks Silverfox1961.

Worth asking

Stripper

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You need to see a statement these parasites could be adding £00's in interest, write to them asking for a statement of account.

If you get back something that you are not happy with in any way come back to this thread.

Have you ever CCA'd to see if they are legally entitled to collect.


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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I have not CCA'd but I will and report back.

Thanks

Stripper

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Having looked at my original Loan agreement dated late 2002 there are two boxes for APR % ,one for the loan and the other for Ins ,both are blank and there are no references to the rate charged.Over leaf the T & C refer to interest that will be calculated on all amounts due under the agreement that remains unpaid.

Is this acceptable(enforceable)as the agreement is on two sides without a signature,and no interest rate .The signature appears on a second sheet (Customers Copy) and refers to retaining the Customers copy for my records, when in fact it is headed ' Borrowers Copy'.

I would rathe not copy and paste at this moment ,I am just basically starting my investigations into the account.However it is being handled by CDCS for Barclays.

I never got notification of transfer or sale of the account,so are CDCS a Barclays in house agency.

Stripper

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Any comments would be appreciated

Thanks

Stripper

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These forums do seem strangely quiet. Has there been a knobbling?

 

So, you have an original copy that was incomplete, with no interest rates? I'd say that was completely unenforcable. Stop paying them. It might be interesting to send a CCA request anyway, see if you can catch them out telling lies about it.


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Is there a difference between a fixed sum payment loan and a straight forward credit card,when it comes to showing interest rates?

I cant find anything referring to this but I am sure there is.I hope not though!!

Stripper

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