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    • 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.  
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neil in need

unenforceable credit agreements

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hi everyone,i was wondering if there was anyone on this site who would help me through the process of seeing if my loans and credit cards are unenforceable.if you can help me you may have to be a bit patient sometimes due to my lack of knowledge and experiance.i would like to take it one step at a time so i know i have done it properly and for the person to check my work to see if it is correct.i have a few questions first of all so if you are willing to help me i will be extremely gratefull. thank you in advance for taking the time to read my plea.

Neil

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hi everyone,i was wondering if there was anyone on this site who would help me through the process of seeing if my loans and credit cards are unenforceable.if you can help me you may have to be a bit patient sometimes due to my lack of knowledge and experiance.i would like to take it one step at a time so i know i have done it properly and for the person to check my work to see if it is correct.i have a few questions first of all so if you are willing to help me i will be extremely gratefull. thank you in advance for taking the time to read my plea.

Neil

 

 

 

 

Firstly, if you can post up the agreements then that would be a start. The other thing you could do is if you have not already done so is to request copies of your agreements which you pay one pound each for. Other people will be along to offer support as well..

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thank you for your reply i have not sent for a copy of the agreements yet as i do not have a template to copy from and i do not know what to say.i also have a couple of other questions.

1. will sending for a copy the agreement make matters worse with the credit card company

2. i also have one where they have sent me to court and given me a ccj can i still do the same with this one.

3. when sending a cheque for £1 does it have to be in there name or another companies

 

thank you once again for your patience neil.

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Hi,

Firstly bookmark this link:

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors.html

 

Next, send letter 8 to each creditor.

Enclose a £1 postal order with each request

DO NOT sign anything-just print your name

Send all letters by Recorded Delivery and track delivery via the Royal Mail website

They have 12 working days from receipt to supply (allow 2 working days for delivery)

 

Once you have something back, scan the paperwork, remove ALL identifiable info off them (using Paint or similar) the use a site like Photobucket to upload them to the site where the experts can have a look and advise accordingly

 

Having said all that, how long ago did you take out the agreements?


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

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Forgot to mention, with the CCJ one, there is not much you can do with that one unless you can get the judgement set-aside

 

dependant on who the debts are with dictates who you make the POSTAL ORDER-no cheques- payable to


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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Hi thank you very much for your detailed help i will do that and get back in touch

 

i appreciate all your help neil

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hi , can anyone help,in April this year my daughter took out a loan with Greenwoods finance its a doorstep lender, i already had a loan with them and i paid them every Tuesday without fail,anyway my daughter arranged for the agent to call on the Monday to get her to sign up and give her her money, as the agent was due to call the next day for my payment she told my daughter (who had just signed her agreement )that the loan would not be issued with money she had just signed for unless she paid the £50 payment i was due to make the next day as i always did ?? Surely this is wrong ? i contacted the compant as soon as i got in from work they looked into it but before they contacted me back the agent texted me and offered to pay me £50 not to take it further(a bribe me thinks ) anyway i contacted the manager to inform him of this he contacted the agent he got back to me and said it wasnt meant as a bribe (hello) well i told them as they had not paid the agreed loan amount paid to my daughter she will pay back what they gave her and say no more , the manager said no its the full amount of credit or nothing

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