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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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      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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debtdiary

Egg Card and Egg Loan - Loan now under CO, Card total silence

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Hi, just posting about the last "difficult" creditor I have. I had a massive paycut, followed by a year of ZERO income, which is how I got into this situation. (Full detail on Intelligent Finance thread)

 

Long story short I wrote to both in Dec 09 with full I&E and offering £1 until I returned to employment. Neither really responded other than with a DN followed by CCJ from Egg Loan in short space of time, and a second DN (!) from Egg Card. (They defaulted me sometime in 2009 already.) At least that stopped the fees+interest.

 

Both are in five figures. I think these are now with totally different companies in effect, as these bits of Egg bought by different people during the Crunch?

 

Egg Loan have now obtained a Charging Order and immediately accepted £10 per month over the phone the following week. I'd been offering them that for over two years, including post CCJ, so I can only assume they need to waste their money taking me to court for accounting reasons.

 

Egg Card have been totally quiet since the DN. It hasn't been chased by anybody. Around April I phoned to see what was happening and the guy on the phone did a lot of muttering of "what... who... who did that... doesn't make any sense..." when looking at the notes and promised to get back to me. Never did.

 

I am now employed again at under half of my former income, but still have the same massive mortgage AND a years' arrears on it to clear, so there's nothing in the pot for unsecured. We're living to a budget that is slightly under CCCS's figures and doing OK, and as above has been in front of a court.

 

I don't know whether to approach Egg Card or not - what are the consequences if I don't do anything? If I do approach them will I just end up with another set of court proceedings almost immediately when they realise they've dropped the ball? On the other hand I don't want to be straight with the other creditors in 5 years' time, and then find I have to start all over again with someone that has bought an old debt.

 

I should add there is PPI on some of the balance. I made a complaint about it which they declined almost immediately, and the letter was very much of a tone of "you can't prove it" - but that was followed a month later by the letter that went out to LOTS of people about PPI asking me to claim. I did a lot of silly things with money when I had it, but I certainly was never daft enough to sign up to PPI, so I'm certain I have a case. When I phoned about the letter the regulator made them issue I was given a lot of hoo-hah about not being able to sort it until my arrears were cleared, and then crisis mode took over and I parked it until I saw some pursuit of a final defaulted balance. (Which I never have, so far!)

 

Do I have a problem if I've complained about it once and not pursued their nonsense "final reply" in any way? Any limitations on complaining "again" - although this time it would be coming off the balance rather than being given to me in cash.

 

Suggestions please... but not urgent because I'm paying the tenner on the loan OK and as I say there is NO collection activity on the card.

 

And finally - would a SAR force them to release the call centre notes on my account to me? Whatever he was reading sounded fascinating...

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