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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
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Firstly hi everyone, hope someone can help me.

 

I am employed have no assets and 30k in debt, i have been looking at a possible self bankruptcy, where you send the relevant forms to Accounts of Bankruptcy, the only problem being i am not sure if i have what i need to do this. The thing i am confused about is the "charge". If you have no assets how does this charge happen if it based on assets? The only thing that is concerning me at the moment is one creditor threatning to take me to court to freeze my bank account, and as i type another expected at the door tonight (not to worried about that). Just find conflicting stories on the web. Is it possible to declare yourself bankrupt without the charge been issued and expired?

 

Thanks for all your help.

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sorry but i do not understand your post

 

do you mean a charge for payment? which if you receive one after the 14 days you can then go BK

 

or do you mean paying the £100 - this cannot be waived


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Sorry not really sure what i mean myself, have copied and pasted the paraghaphs below, i was thinking i couls just fill out the relevant forms send them off with payment and they would take care of the rest, but the info below has confussed me.

 

there must be an expired charge for payment outstanding which you have made no payments on or a poinding. As Far as i'm aware i don't have this so does that mean i can't go BK

 

 

 

A borrower who wanted to declare BK had to wait until their creditors took legal action, but now, thanks to the new changes in law, anyone who wishes and fulfils certain criteria (see below) can apply for their own bankruptcy to the 'Accountant in Bankruptcy'. The minimum amount, which they must owe in order to qualify for bankruptcy, has also changed from a previous figure to a minimum of £1,500 for a self-declaration. However, if a lender wants to declare one of their customers bankrupt they must be owed a higher minimum amount of £3,000.

 

Seq is personal bankruptcy and this can be petitioned for by any individual who meets certain requirements. Here a couple of most common requirements, although there are others. As mentioned above your debt must be over £1,500; there must be an expired charge for payment outstanding which you have made no payments on or a poinding - usually for Council Tax arrears - following on a summary warrant. If you don't meet these requirements then you can't petition for your own bankruptcy.

 

Thanks for your quick reply, sorry for not explaining properly up to high doe, and burrly man never came to door tonight despite a letter stating they would be here.

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so you have had no court proceedings at all for nay of your debts?

 

would you qualify for LILA?

You will be able to make an application for your own bankruptcy under the LILA scheme if:

 

  • your income is less than £229.20 per week before deductions for tax and national insurance contributions (ignore any social security benefits or tax credits);
  • you are not a homeowner;
  • you have no single asset worth more than£1,000; and
  • your total assets are worth less than £10,000.

http://www.nationaldebtline.co.uk/scotland/factsheet.php?page=01_bankruptcy#low_income


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Thanks for your reply Ida no i do not qualify for LILA have already looked into this. Thanks for your help, will have to sit and wait it out, hope they don't take to long to take me to court.

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No probs we are always here

 

there are other options if you have a look on the national debtline link i posted up earlier


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From the 15th November 2010 there will be a new route to bankruptcy which will be known as 'Certificate for Sequestration'.

 

This has been introduced through the Home Owners & Debtor Protection (Scotland) Act 2010.

 

The procedure would be that a debtor would approach a money adviser (at a citizens advice bureau or a local council) or an insolvency practitioner (IP). The money adviser or IP would assess whether the debtor is capable of paying the contracted payments (loan repayments loans; minimum balances for credit/store cards; etc). If the assessment reveals that the debtor is incapable of paying the contracted repayments then the debtor, if they request it, can be issued with a 'Certificate for Sequestration' for which there will not be any fee.

 

With the 'Certificate for Sequestration', the debtor will have 30 days within which to complete an ‘Application for Bankruptcy’ to the Accountant for Bankruptcy along with a £100 application fee.

 

Should you wish to enquire more about this then approach a money adviser at your local citizens advice bureau or local council after the 15th November.

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Thanks for this info Joem, I have already made contact with CAB not really much they could do for me, Said they would get thier Finance team to contact me that was over a month ago still no contact but might hold off until Nov 15 and go and see them again. Thanks.

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Have you checked out a trust deed??

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Does anyone know much about the 'Certificate for Sequestration'. Do you have to have assets? Do you have to have a charge for payment? or do you just go to advisor with income and expenditure?.

Thanks in advance for any info.

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still got another week to wait,

 

this is a last resort as the advisor will go over other options with you and make sure you have considered it fully and you must be able to make contributions from an income

 

you can contact the aib and they should be able refer you to a IP/trustee


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