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    • 2 foot of sea level rise   The Thwaites Glacier — dubbed the “Doomsday” glacier because of the grave impacts for global sea level rise if it melts — is breaking down “much faster” than expected, according to a peer-reviewed study published on Monday in the academic journal, Proceedings of the National Academy of Sciences. Using satellite imagery, scientists determined that widespread contact between the glacier and warm ocean water is speeding up the melting process. The climate crisis is interrupting natural processes across large parts of the continent, according to the Antarctic and Southern Ocean Coalition. The glacier, roughly the size of the United Kingdom, could cause global sea levels to rise more than two feet if it melts completely, according to the study. “Thwaites is the most unstable place in the Antarctic and contains the equivalent of 60 centimeters of sea level rise,” study co-author Christine Dow said in a statement. “The worry is that we are underestimating the speed that the glacier is changing, which would be devastating for coastal communities around the world,” she continued. Read the full story here.       or here ... from the India civil service currents affairs exam Doomsday glacier Antarctica‘s Thwaites Glacier, roughly the size of Britain, is a fast-moving glacier in West Antarctica. Because of the risk it faces — and poses — Thwaites is often called the Doomsday Glacier. Because of its size (1.9 lakh square km), it contains enough water to raise the sea level by more than half a metre. Thwaites’s melting already contributes 4% to global sea level rise each year. Thwaites are important for Antarctica as it slows the ice behind it from freely flowing into the ocean. Credits: BBC Vigorous melting Salty and relatively warm ocean water is infiltrating beneath Thwaites Glacier, leading to significantly speedy melting. This process, termed as “vigorous melting“, is eroding its stability. However, its potential collapse could lead to a staggering 10-foot rise in sea levels, posing a dire threat to coastal communities worldwide. Previous studies discovered a deep connection to the east through which deep water flows from Pine Island Bay. That study also attributed the melting to the heat transport caused by channels bringing warm water towards the glacier from the north. With melting, glaciers become light and float off the land where they used to be situated. The resulting retreating grounding line exposes more of a glacier’s base to seawater, increasing the risk of melting. Since the late 1990s, the glacier has seen a 14km retreat of its “grounding line.” The grounding line is the point where the ice flowing off the land and along the seabed floats up to form a huge platform.   https://www.pmfias.com/current-affairs-for-upsc-civil-services-exam-may-28-2024/   or here Satellite data reveals Antarctica's Thwaites Glacier is melting faster than we thought | Space WWW.SPACE.COM Seawater rushing miles beneath the glacier makes the ice more vulnerable to melting.  
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me vs. lloyds tsb


Harry the hamster
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I have already sent a letter to lloyds, which a friend had forwarded to me a few months ago and i sent with it a copy of all bank statements. They replied with the standard letter saying they were sorry to hear i had a complaint and they would get back to me within 2 weeks. A letter arrived this morning saying that the 'OFT's guidelines only concern 'default' charges.' and that fees charged 'for going over an overdraft limit and for returned payments are not any kind of default penalty'. They also said this was their last response but if i wasn't satisfied too refer my complaint the Financial Ombudsman Service.

 

Have looked through this site but i am getting tired and fed up of trying to take everything in so can anyone tell me what i should do next?

 

Very much appreciated

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Harry you now need to follow a structured course.

Have a look in the bank temps folder and send them a letter (if you have already given them 14 days with clear instructions that you want your charges back then send them the letter before action.

Make sure you also send a charges schedule listing all the charges by date/amount/type.

You can use the spreadsheet for this also in the bank temps folder.....the link is at bottom of my post.

 

You will find further info in faqs if you need.........or if you are uncertain about anything then feel free to ask.

 

:)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Harry,

 

You should find an answer to all your questions simply by reading the step by step instructions; http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/243-step-step-instructions.html, and the FAQ's; http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/1-frequently-asked-questions.html.

 

As Martin said, if you've still got questions after that, then ask away!

 

Also, it is much better to stick to one thread. You'll then create a timeline that everyone can follow easily. You'll find you'll get much more help that way.

 

Good luck!

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Hi martin just looked on the bank temp letters and found the LBA. This may sound a wee bit silly but how dod i calculate the interest?

When i sent my initial letter i also sent them copies of the relevent bank statements and highlighted the charges that i'd incurred, so do i still need to do the spreadsheet thing???

 

cheers xxxxxxxxx

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Just tried to download the spreadsheet and it wont let me do it? Though i rnt very gud with computers-can only just manage the basics!!!!:lol:

I ve also been reading other peoples experiences and i am hoping it doesnt go as far as the courts cos that would be scary stuff!! My total amount only comes to £739 but they still insist on charging me for going over drawn despite sending them a letter telling them i want my money back!!

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No. Not the 8%. The 8% is only to be added when you issue a court claim.

 

If your talking about overdraft interest, yes, if you've figured out the proportion that is reclaimable.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Erm, didn't I post a response to this thread once?

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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  • 2 weeks later...

bit of an update,not been on since 17th sept!

sent LBA by recorded delivery on 18th sept so the 14days is up monday 2nd October!! Then not entirely sure what im to do??

Also still recieveing bank charges-£90 goes out on the 1st oct which will means i will end up o/d again this month and recieve more charges next month??!!!! They are totally sick! Was thinking about going to my local branch and telling them about my claim and that i will continue to go o/d for the next few months if this is what they are going to charge me??

What does anyone think?

xxxxxxx

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I know its tempting to go and have it out with the branch, but unfortunately it won't make the slightest bit of difference. Even if the branch manager was sympathetic and actually wanted to do something about your charges (which is highly unlikely!), he just has'nt got the authority to do it. Ultimately, Lloyds TSB will take no notice of you whatsoever untill you file a County Court claim, which is your next step after the 14 days are up.

 

You can file online at https://www.moneyclaim.gov.uk/csmco2/index.jsp, or in person at your local court. You will find everything you need to help you in the templates library.

 

Also, you can add any further charges incurred since your LBA onto the total of your claim when you file it.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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a letter arrived friday saying 'bla bla bla but unfortunately i cannot add any further information to our previous letter or agree to your request' they also say this is the banks final response. Didnt want it to come to this but i guess now is the time to file a money claim?

Becki xxxxxxxxxxx

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Looks like it!

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Have you worked out how much the total is now with all the new charges ?

Click on the moneyclaim link below for details of the online claim.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Take a break for 30 mins go and have a cuppa and sit in the garden for 10 mins........dont let it get to you.;)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Oh well.......a break away from the pc will do some good.......and the kids will defininately take your mind off bank charges ha ha:rolleyes:

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Right after a few days off hopefully i have worked it out correctly. The interest i have been adding on is the amount that has been showing on my bank statements which my total amount is £873.34? £24.34 of which is interest.

Have it worked it out right? Maths was never my strong point at school!!

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That figure for interest sounds very low to me, that is unless all the charges are recent, ie within the last year.

 

Did you add 8% on each charge individually using the spreadsheet? Double check it, you are probably entitled to claim more.

 

Your fee will be £80, and it will appear when you add the value of your claim into the box and then press enter.

 

If the referance you mean is the one it asks you for at the very start, it does'nt matter what you put its just a title for your reference only.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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