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    • Djokovic is back in the news - the BBC has cast doubts on the date of his covid test prior to arriving in Australia. They've done some clever research with serial numbers and QR codes but the Serbian public health authority isn't giving information.   And Nadal is a step closer to his 21st Grand Slam title, which would make him the first male player to reach that. He won't be able to compete in the French Open under France's current rules which require all sportspeople to be vaxxed.   Novak Djokovic: Doubts over timing of Covid test WWW.BBC.COM The BBC has uncovered fresh evidence questioning the timing of Novak Djokovic’s positive Covid test used to enter Australia.  
    • Hi   I could be wrong here so could @namedisplay please clarify if I am correct or completely wrong?   In your post#1 you mention that due to your health issues and your mental state at the time you rang the Training Room and was told it would cost and initial £200 and then £15 per month until you finished the course.   Then further in post#1 The Training Room told you you were not eligible for an extension because you hadn't completed enough of the course.   With the above I now refer Post#12 which mentions your circumstances are covered by 13 in the TTR Terms and Conditions.   What is mentioned above seems conflicting from TTR for the following:   1. IMO that money of £200 and then £15 per month (on top of original Course Fees) was them at that time agreeing to an extension as per 13 in TTR Terms and Conditions   2. Them stating you can't extend Course as not completed enough of Course is not in TTR Terms and Conditions (that I and others can see) (Note they could be referring to 15 in TTR Terms and Conditions)   Can you clarify the above and were you informed those extra costs were due to an extension of your Course.   Again I will ask did you provide the Training Room with Medical Evidence when you asked the above?   We also still need to see the Letter from Training Room Threatening Legal Action (fully redacted) which you still haven't posted?   You need to send The Training Room a Subject Access Request (SAR) asking for 'ALL DATA' that simple phrase means whatever format they hold that data in whether it be written, email, recorded phone calls etc.   They then have 30 Calendar Days to respond to your SAR Request and that Time Limit only starts once they have acknowledged your SAR Request. They can extend that Time Limit if they need to prove identity before actioning the SAR Request so be aware of that.   A SAR Request is now FREE and make sure you get Free Proof of Posting from the Post Office     Your right of access ICO.ORG.UK   Can you please make sure you answer the questions asked of Caggers to assist you    
    • I've been trying to resolve a issue with 8 PCN issued by Tyne Tunnel 2 (tt2.co.uk). Tyne Tunnel 2 is a gated toll charged tunnel to cross the River Tyne in Newcastle. We moved in recently so all a bit new to us. My dad had been using the tunnel about twice a week and he had been paying cash for the toll fee at the booths. At some point in November 2021 they had done some constructions where the gates had been closed and payments had transitioned to online methods. My dad had been oblivious to this and been on his merry way multiple times thinking that he doesn't need to pay. So he received the first PCN some where end of November which had been issue on the 26th after which point I went on alert and sorted out the online accounts and such. However the current total of fines has amounted to £255.20 and I have appealed explaining that soon as the letters were received we have resolved the issue but they insist on us paying 8 PCN. I feel it's unfair that the fine is for the same offence which we couldn't have rectified or known until we received the first PCN letter and after the first PCN we have rectified it so feel they are being bit draconic. Any advice on this matter? 
    • No need to apologise! I am extremely grateful for both your help   Gosh very good attention to detail going on here   Great thank you, i will put them back as below   Good evening to you   DEFENCE   1.     The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.     2.     Paragraph 1 is noted. It is accepted I have in the past had agreements with Lloyds TSB. I do not recall the precise details or agreement nor the claimant either, having failed to provide an agreement/account number within its particulars of claim and have therefore sought verification from the claimant.   3.     Paragraph 2 is noted but until such time the claimant can clarify the agreement account number any breach has yet to be proven.      4.     I am unaware of any legal assignment or Notice of Assignment allegedly served by either the Claimant or Lloyds TSB pursuant to the Law of Property Act 1925.   5. Paragraph 3 is denied. I am unaware of any Notice of default served.   6.     It is denied with regards to the Defendant owing any monies to the Claimant. The Claimant has failed to provide any evidence of the Agreement/Assignment/Default notice or Termination requested by CPR 31. 14.    Therefore the Claimant is put to strict proof to: a) show how the Defendant has entered into an agreement ; and b) show how the Defendant has reached the amount claimed for; and c) Show or evidence a Default Notice /Notice of Sums in Arrears, d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   7.     As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.   8.     On the 5th of January 2022 I requested to The Claimants Solicitors, Mortimer Clarke by way of a CPR 31.14 copies of the documents referred to within the Claimants particulars to establish what the claim is for. Mortimer Clarke have failed to fulfil my CPR 31:14 request.   9.     On the 5th of January 2022 I made a section 78 legal request to the claimant for a copy of the Consumer Credit Agreement. The claimant has as of 27/01/22 failed to comply.   10.  By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
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Steps after Bankruptcy Discharge


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In the next week or so i'll be discharged from my bankruptcy. Despite having to pay contributions for the next two years i am looking for some advice to move forward. Firstly, what can and can't i do following discharge? Secondly, i obviously want to improve my credit rating now and wondered how best to do this? Finally, any do's or don'ts/general advice following discharge would be greatly appreciated.

 

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Serioulsy - live within your means. Already looking to get credit is a bad sign - I learned from mine and wuld never go back that way - if i don't have the money then i don't buy it.

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Hi

 

Totally agree Ida happened to me also and learned my lesson if you cant afforded it dont buy it or save up then get it.

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Thanks, but i'm not looking for credit and don't have any plans to get credit cards etc in the furture. However, i do want to find out the best ways to improve my credit rating. This is primarily so i can get a mortgage/phone contract etc in the future. Do i need to write to creditors and credit agencies (Equifax etc) to make them aware? Is there also a prepay card i can get to start mending some of the damage bankruptcy brought?

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  • 2 months later...

Phone contract might be a problem - you're probably best getting a PAYG.

You won't get a mortgage for 6 years - regardless of what else you do.

If you *really* want to get some credit - start with with one of the "sub-prime" credit cards, use a *little* bit, pay it off *IN FULL* every month (and watch out for extra interest charges the following month - yes VANQIS, I DO mean you!)

that will bump your credit score from -10000 to maybe -500

 

if you get rejected, try again in six months or so.

don't overdo it! softly, softly catchy monkey

Carpe Jugulum

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Cheers. I had noticed the Vanquis card but decided against it. However, i may consider buying my months petrol (£30) on it and pay it off in full each month.

 

Just out of interest does anybody know what my credit score should look like? I was on recently and had a 'fair' score of 765....

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Cheers for the advice but been onto experian and they state i have a 'fair' credit score of 765. I would of thought it would have been 'very poor' or 'poor' at best. However, i'm not going to complain. Does anyone know whether this scoring is correct or have i been lucky?

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+1 vote for noddle.co.uk

 

it will give you a second opinion.

 

depending on how long since your bankrupcy (i'm assuming 12 months? but it can be shorter I believe), it is possible that experian hasn't been updated.

Carpe Jugulum

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