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    • 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      
    • and when you think there have been around 3,000 confirmed new covid cases in the last 3 days ...   The only golf club shaped recovery is going to be by the coronavirus
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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.
       
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      • 16 replies
bobogosing

Help needed for f&f settlement with cahoot please!

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Hello, can someone give me some advice or point me to the right direction to get help. I've 9 creditors and planning to offer F&F settlement as a member of family have offered a lifeline. I've been on a DMP with Payplan since Dec 06, with the rate I am paying, it won't be till 2047 my debts will be paid off:sad:!

I have managed to post 3 of my creditors cca's so far and really am struggling to get any advice to see if they are enforceable so that I know where to start. Thanks bobo

 

http://i1011.photobucket.com/albums/af236/bobogosing17/abbey%20cahoot/cahootloancca.jpg

http://i1011.photobucket.com/albums/af236/bobogosing17/abbey%20cahoot/cahootloancca2.jpg

http://i1011.photobucket.com/albums/af236/bobogosing17/abbey%20cahoot/cahootloan1.jpg

http://i1011.photobucket.com/albums/af236/bobogosing17/abbey%20cahoot/cahootloan2.jpg


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Bobo

 

I'm not an expert on CCA' s- prescribed terms etc. I would pm the guys suggested in another thread and alert them to your threads for their help. Have you paid many of the £30 missed payment charges? If so I think you can get these back easily on a loan (not an overdraft - yet!) What token payment deal do you have with them?

 

I got a 50% deal on an Abbeyloan via BCW (Buchanna Clark & Wells) fairly easily once they saw I might be getting dodgy with some missed payments - then agreed reduced payments etc.

 

BD


£50k saved and £7k charges refunded:

MBNA & A&L 35% F&F direct - saved £23k. Birmingham Midshires £1700 charges refunded

Abbey Loan/BCW 50% - saved £2k. Barclaycard/CSL 40% - saved £6k

Monument/DCA 35% - saved £1k. LTSB/Wescot 50% - saved £4k

HBOS Visa £5k charges refund via Blair Oliver Scott

RBS Direct Line/(genuine) solicitors June 2010 40% - saved £3k

Morgan Stanley/Aktiv Kapital £11k SB Nov 2010

Over £40k balance write off and charges refunds to fight for:

HBOS O/d Charges £5k. Egg Loan/Aktiv Kapital CCA Dispute £8k

Egg Card/Fredrickson taking £5 monthly but CCA & Charges Dispute £4k

Goldfish/1st Credit DN/TN Dispute £9k. Capital One/CSL charges claim £4k

Barclaycard/CSL taking £5 monthly on £10k debt

 

I hope I have helped - if I have please hit my star - and recognise the others who have helped too.

Bigdebtor

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Bobo

 

I'm not an expert on CCA' s- prescribed terms etc. I would pm the guys suggested in another thread and alert them to your threads for their help. Have you paid many of the £30 missed payment charges? If so I think you can get these back easily on a loan (not an overdraft - yet!) What token payment deal do you have with them?

 

I got a 50% deal on an Abbeyloan via BCW (Buchanna Clark & Wells) fairly easily once they saw I might be getting dodgy with some missed payments - then agreed reduced payments etc.

 

BD

 

I am paying the cahootloan £12.32 p/m through DMP with PayPlan. bobo


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I would have thought that was almost too much trouble to collect and they would bite your hand off for a 30% F&F? -Mind you I am paying £5 per month to DCA's for each of Barclaycard and Egg - while deciding what to do next (after Mold case for Egg).

 

BD


£50k saved and £7k charges refunded:

MBNA & A&L 35% F&F direct - saved £23k. Birmingham Midshires £1700 charges refunded

Abbey Loan/BCW 50% - saved £2k. Barclaycard/CSL 40% - saved £6k

Monument/DCA 35% - saved £1k. LTSB/Wescot 50% - saved £4k

HBOS Visa £5k charges refund via Blair Oliver Scott

RBS Direct Line/(genuine) solicitors June 2010 40% - saved £3k

Morgan Stanley/Aktiv Kapital £11k SB Nov 2010

Over £40k balance write off and charges refunds to fight for:

HBOS O/d Charges £5k. Egg Loan/Aktiv Kapital CCA Dispute £8k

Egg Card/Fredrickson taking £5 monthly but CCA & Charges Dispute £4k

Goldfish/1st Credit DN/TN Dispute £9k. Capital One/CSL charges claim £4k

Barclaycard/CSL taking £5 monthly on £10k debt

 

I hope I have helped - if I have please hit my star - and recognise the others who have helped too.

Bigdebtor

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I would have thought that was almost too much trouble to collect and they would bite your hand off for a 30% F&F? -Mind you I am paying £5 per month to DCA's for each of Barclaycard and Egg - while deciding what to do next (after Mold case for Egg).

 

BD

 

I've not made an offer yet as I don't know where to start. I don't know how to put it in writing and hoping to get tips from this forum.

I really hope I can get away with 20/30%.

I hope you'll get your's sorted out soon too!! bobo


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