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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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    • Curry’s cancelled my order but took the money anyway. Read more at https://www.consumeractiongroup.co.uk/topic/423055-curry%E2%80%99s-cancelled-my-order-but-took-the-money-anyway/
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    • Father passed away - Ardent Credit Services (Vodafone) now claiming he owes money. Read more at https://www.consumeractiongroup.co.uk/topic/423040-father-passed-away-ardent-credit-services-vodafone-now-claiming-he-owes-money/
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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
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Hello

 

I am new to the site and have found site extremely helpfull, I have recently CCA'D Moorcroft for 4 differrent accounts:

 

Studo

Freemans

Next

Studio

 

All of which were taken out prior to 2007 and which I do not hold any credit agreement for. Anyway they have received the initial CCA requests and I have received 2 letters the first letter basically said that because the account was so old theire clients no longer have the credit agreement and I was told to keep the original agreement sent when I first had the account, so basically they ahve not got it I sent a dispute letter for one of the accounts and have not paid them, the seond letter received states they have written to their client for the copy of the agreement and they wish me to make payment within 7 days a dispute letter also sent for this account. What do I do now basically I know these accounts are extremely old, I am sick to death with moorcroft changing their payment amounts as and when they feel like it, I also intend on sending SAR requests for all four accounts to reclaim any charges so that I can reduce the amounts owed. This is really hard work Im not wanting to avoid the debt I just want my copies of all agreements and any excessive charges refunded im sick of being bullied by these peopl, your response is greatly appreciated, I have a lot of work in fornt of me Nicola

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Hi, basically, those they have not supplied anything, as you say send 'Account in Dispute' and forget. If you are paying anything it is up to you if you want to continue, without an Agreement the accounts are un-enforceable through a Court. Some people stop paying altogether and just ignore all the threatening letters. If you want to continue to make payments then YOU decide how much YOU will pay, it is YOUR money. If they have an enforceable agreement and threaten Court the Judge would most probably not be best pleased and consider it an abuse of the Court process as you ARE paying.

 

Sending a SAR to each original creditor is the way to go if you are going to re-claim their charges.


Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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