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    • Just as the title says, if ever there was a good reason to ditch Micro$oft and move to Linux then this is it :-   Giving Windows total recall is a privacy minefield • The Register WWW.THEREGISTER.COM It's only a preview, and maybe it should stay there ... forever Help is available, most modern PC's can run a version of Linux suitable for your needs and it is not difficult to use or learn. Ubuntu is popular, new version is very modern Garuda Linux is the one I use, based on Arch, rolling release, bang up to date. I have friends and acquaintances, old and young, PC Literate and not. Most people who try it never go back to Windows Hamster
    • I've had to hide two of your posts.  Anyone clicking on your links gets sent to external sites.  On top of that your real name is showing on one screenshot.  Fellow Site Team member dx100uk has already politely asked - Anyway, jk2054 wants to see the communication you got from your local court which will have told you about the hearing date of 17 June, and will have mentioned a deadline for filing your Witness Statement.
    • I believe it is helpful to seek guidance from a range of places and decide on the validity of the sources and frequency of responses which are most helpful. A single voice can be a dangerous thing. As, of course, can groupthink. Scott, it feels like £4k on a solicitor for a £1.5k bill is overkill. Were we back in time I'd suggest small claims court as your claim sounds like it may be straightforward? By all means add that phrase on. I also suggest you contact the court and go and sit in on a couple of similar cases to get a better understanding before you shell out.
    • a card should be 16 digits...urm... note your dates above please. do not miss them no matter what happens  ......................... pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’. Choose ‘Create sign in details’ to register for the first time. You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID. You should make a note of your memorable word, or password as these are not included in the email.  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .. get a CCA Request running to the claimant . https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . .use our other CPR letter if the claim is for an OD or Telecom Debt or Util debt]  https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ on BOTH type your name ONLY Do Not sign anything .do not ever use or give an email . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............  
    • Which Court have you received the claim from ? Northamton, civil national business centre Name of the Claimant ? PRA Group Uk Portfolios ltd. How many defendant's  joint or self ? self Date of issue –  21 May 24 date of AOS - 07-06-2024 date for filing defence by - 21-06-2024 Particulars of Claim 1. The claimant claims the sum of £5600 for an outstanding debt owed. 2. On Mar 2000 the Defendant entered into an agreement with Barclays Bank Uk PLC for a credit card under reference ( 11 digit ref ). 3. on Mar 21 the defendant defaulted on the agreement  with an outstanding balance of £5600. 4. On Aug 21 the debt £5600 was assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on Dec 23. 5. Notices of assignment were sent to the defendant in accordance with S136 Law of Property act 1925. 6. The claimant has instructed PRA Group (UK) Limited to act on its behalf in the recovery of the outstanding debt and to pursue litigation on its behalf. AND THE CLAIMANT CLAIMS 1. The sum of £5600 What is the total value of the claim? £6100  Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No - just emails threatening action   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes   Did you inform the claimant of your change of address? no Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? credit card   When did you enter into the original agreement before or after April 2007 ? before - in 2000   Do you recall how you entered into the agreement...On line /In branch/By post ? I don't recall - I suspect post / online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? am awaiting access - but I suspect it is    Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. assigned - debt purchaser has issued the claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Pretty certain - Yes   Did you receive a Default Notice from the original creditor? pretty certain - Yes   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? there's been gaps - they went very quiet  Why did you cease payments? Covid lockdowns  What was the date of your last payment? i thought it was 2020 - they say 2021 Was there a dispute with the original creditor that remains unresolved? no Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? no
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please help with robbery

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hi please could you help me my daughters stepson has done a robbery at her motherinlaws (his grans house) he stole her jewlery and a few thousand in cash he had her key from the age of 12 he is 18 yrs old the police have arrested him as they found her money in his bedroom and he admitted he done it.

If his Gran does not want to press charges against him will the police press charges or what happens THANKS

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I'm not sure about this case, but I do know that in some circumstances the matter can be taken out of our hands and prosecution go ahead - but I only know this to be so in serious things like rape, assault etc.


Not suggesting that this is not serious, of course it is. You hear it said of criminals don't you - "he'd rob his own granny".


I'm afraid I am a hardliner with youth crime - and before I tell you what I would do with him, please don't think I am advising you - its your family and only you know the circumstances - only I struggle to see what reason would ever make this acceptable.


So, if this were a member of my family, I'd throw the book at him - yes I'd get gran to make a complaint and have him charged and hang the consequences. How will he learn otherwise? I'd prefer to use stocks actually but apparently that's not allowed any more.


However, I do see your dilemma, a youngster about to get a criminal record and a blight on his whole life. A probably doting gran breaking her heart over it all. Is there a drug problem perhaps that made him do it? Is he likely to do this again to someone else? Only you know and I reckon your best way forward is to have a family meeting without him being there and then decide the best way forward. And then tell the so and so what is going to happen. And how he is going to pay back every penny. Any argument - throw the book at him.


I hope you get this sorted it must be making the entire family feel bad. If this were me I'd be handing out "warm bottoms" by now however big they are - but apparently we're not supposed to do that anymore either!


Someone with a legal mind will probably come along soon and advise as to what the police can or can't do if no complaint is made.

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hi thank you for your reply i aggree with you and my daughter and his dad does we think she should press charges how else will he learn his lesson my daughter had him living with her and his dad for 6 months as his mum could not cope with him and chucked him out. Money and items went missing at there house while he was there, he went back to live with his mum as i think they had too many house rules. He had only been back there for 2 months when he robbed his gran she is heart broken over it.

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Hi..... what an awful problem. Firstly this is not a robbery (at least I hope not) robbery is a form of aggravated theft ie with violence involved at the time of the theft or immediately before it and in order to carry the theft out. What you describe is Burglary ie trespass and theft together.


Will he be prosecuted? Well that is down to Granny. She has to say that he had no right to come into her house in the manner of the entry eg a forced entry when she was not there. She has also to say that she did not give permission for him to take her property. if she turns round and says he had permission to come in and take her property then there is no crime. The Police could clear the crime up in their records but not take it to court. As I said it is down to granny to decide.


I also would ask the question, why has he done it? If there is a cause eg drug problem I would also advise that a prosecution is done because the courts can make orders and make sure that he attends courses and / or get the help to beat the problem. Otherwise what will happen is that the process of getting help for the problem he has is pushed to some time in the future. Address the issue now......... tough love. Difficult but necessary. It really is the lowest point in criminality to steal from ones own as it causes the heartache you are now all suffering from. Hope it works out for you, give Granny the support she deserves and which I know you are giving. Good luck.

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The police or CPS or less likely to prosecute if they have little or no evidence.


If your family do not give evidence then the authorities will have serious difficulties proving the case and will probably drop it.

If I have been helpful please click on my star and add a comment.

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Oh well, now you tell me he has done similar before. then I believe Gran must make a complaint and go the whole hog. He thinks he can sail through life by stealing - well, at 18 there is a strong chance that a spell in prison or wherever they stick them nowadays will make him see the error of his ways. Otherwise he is going to get into even bigger trouble later on.


I really hope you get this sorted out quickly and he really does learn his lesson. Perhaps he should have been introduced to warm bottoms many years ago! I was, when I stole some sweets from a neighbours house - actually used a tool to open her window and climb in when she was out to get the Liquorice Allsorts on this old dear's table! All of 8 years old. Well, I'm sure we can all remember the true meaning of a damn good hiding in 1970! I have never pinched anything else in my life and I don't eat liquorice either - even the smell of it reminds me of that particular warm bottom. Then there was the shame of the dressing down from the local beat bobby in front of my entire family.


No discipline anymore is there?

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hi he is not on drugs he likes going out partying and getting drunk having tatoos and buying expensive clothes even though he does not work. i think his gran wont press charges, he said he robbed her as a way to get back at her because she left a message on his phone saying that if he did not contact her she wanted no more to do with him he normaly either rings her or goes and sees her every week but he had not been or contacted her for 2 months we think that she feels bad about the message she left on his phone and she probaly wont press charges because of this.

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