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    • As for: 1. “Smallpox is just one thing,“ I don’t know what you mean by “just one thing” (especially when you are trying to put words in my mouth / create a “straw man”) - so it’s hard to answer. If you mean “one vaccine target not mutating over many centuries“ - yes.   “we have a 'cure'” : I never said we have a cure, yet another attempt to put words in my mouth. As for “treatment” rather than “cure” : Work on Cidofovir and its analogue brinCidofovir started, though they never got FDA approval. Tecovirimat: FDA approved.   “and its gone forever (apart from 2 declared labs (and maybe one alleged other lab at most))“   Never said that either. Official stocks are held in 2 labs (hey! You haven’t named the 3rd lab you said held stocks, and now your position has changed to “(and maybe one alleged other lab at most))“ - strange that!   A single case of smallpox anywhere in the world would be a global health  There might be stocks not found / not destroyed (though I’d hope not!) There might be “rogue actors” There might be “rogue nations” exhumed victims are a concern. None if that is in contradiction to what I’ve posted .....   ”Even if it isn't gone forever, we have the cure for the one virus which doesn't change/mutate” more trying to get me to say that which I haven’t said. We have treatments, we have vaccine. There are experts to rapidly identify any case, and (no doubt!) plans to isolate cases and contacts and ring-fence vaccinate. Some people can’t be vaccinated. There isn’t (currently!) enough vaccine to vaccinate the whole world. There are treatments. That is what I’m happy to say, but never have I claimed “there is a cure”   If smallpox re-emerges, if it isn’t contained rapidly I’d expect a massive death toll, followed by a renewed eradication program, then a period of post-eradication surveillance.....
    • Hi All,   I’m after some help regarding my current circumstances. I’ve been going through mental health issues over the past few months. Which has led to me to work part time as this moment of time.   I have a debt of around 25k in personal loans and 15k in credit cards. I’m in a position whereby I can not afford to pay anything towards these debts. What is the best solution towards this as I have to pay £550 towards the personal loans and around £300 for the credit card debts.    I would be grateful for your advice as this moment of time I am contemplating serious thoughts and I could do with some one that can help me find a way through this mess I am in.   kind regards,    
    • I found a life insurance policy, so there’s money, I’d rather try and get a settlement figure and pay them out the policy than have them put a charge on the house. I just begrudge using the money to pay that shit instead of the mortgage. 
    • Excellent so it is the Notice of Allocation with directions telling you the dates to submit your statement and evidence. I was just checking you had the correct notice.   Andy        
    • Why are you requesting settlement figures on credit cards ?   why are you engaging with them at all apart from sending a copy of the death certificate.   No estate = No money = no pay and then they will write them off..they have no other option....but you must not make payment from yourself not even the interest.   Andy
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stratty

Multiple PDL and dealing with it

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As is a common story on this forum I took a number of payday loans and its reached a point where I am constantly rolling over and cannot deal with the burden of the debt anymore.

 

In any case I will go through the providers and attempt to agree repayment plans with them.

 

While I prepare my case I am particularly interested in two aspects that I keep reading on here.

 

There is a general consensus of opinion that people should only pay back the capital and one months interest. Does anyone have an idea what the legal basis for this is? Will it be because the agreements are 30 day fixed term?

 

Additionally I read that I should refuse to pay any late payment or administration charges that are unreasonable. Is this a similar thing to bank charges and any admin charge being proportionate to the actual work involved?

 

I am collating my PDL companies and will post again once its sorted.

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Forget the one month interest thing. There has never been anything solid or legal precidant to base it off. The best thing to do is pay off what you owe that was originally stated on the initial agreement. Anything after this you can contest, however, they are allowed late payment charges, but they cannot be unfair. usually £5 or so is adequate, but they like to charge £15-£50, plus a default fee, plus interest on the top of that.

 

Some even try to say that you missed the payment and now owe them an extra 30% of the loan for no reason.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Ok well here is my current damage

 

 

Original

Capital Interest Current Balance

Quickquid 900 265.50

Payday UK 740 185.00

Quidsource 200 56.00

Moneylender 500 151.50

247 Moneybox 300 117.08

Countrywide Payday 340 136.00

Bongaloans 100 15.00 300.00

Minicredit 150 37.50 611.50

Txtloan 300 51.00 458.80

 

3530 1014.58

 

What is the suggested course of action?

Edited by stratty
dodgy formatting

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Sorry about the mess. For some reason the post didnt keep my formatting

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Figure out what you can afford each month and suggest a repayment plan to them that doesnt leave you out of pocket or neglecting any HIGH priority debts. ( PDL debts are low priority). I see as well, minicredit are already trying to con you with made up amounts.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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To be honest I have already mentioned my situation to most of the providers and the majority are willing to negotiate for a repayment plan.

 

I have sent about 25 emails to Minicredit and just get standard responses saying that I signed the terms and they are what they are.

 

When I point out that the terms are unenforceable its the same old response.

 

I am not worried though. My credit is pretty terrible as it is and I have just over £30k of unsecured debt. Kinda amazes me how I even managed to get so much additional payday loans debt especially when they all shout about "responsible lending".

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Most of minicredits charge is this £5 per attempted transaction. I called the number on their website and said that to avoid the charge they should stop attempting to take money from my card and I revoke my authority. Every attempt I have made for them to revoke my authority has resulted in them saying that my request is not legal as I signed the terms and conditions. The company is a total joke.

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Put it in writing and state the FSA regulations. As you rightly said, minicredit are a total joke.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Ok well here is my current damage

 

 

Original

Capital Interest Current Balance

Quickquid 900 265.50

Payday UK 740 185.00

Quidsource 200 56.00

Moneylender 500 151.50

247 Moneybox 300 117.08

Countrywide Payday 340 136.00

Bongaloans 100 15.00 300.00

Minicredit 150 37.50 611.50

Txtloan 300 51.00 458.80

 

3530 1014.58

 

What is the suggested course of action?

 

Payment plans agreed with

 

Quidsource (froze the debt at £333)

Countrywide Payday (froze the debt at £476)

 

Very impressed with the customer service on both of these companies.

 

Minicredit have so far refused to enter into any kind of negotiation for a repayment plan and I have extensive emails to back this up.

 

247 Moneybox stated that they would only be willing to negotiate for a repayment plan if I made a payment. Explained I could not make any payment now and that I was disappointed they were not willing to discuss the account.

 

Currently working on the others.

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Keep pushing with minicredit. It takes a long time to get them to listen, but they will eventually.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Guest Poguesy

How are you getting on with QuickQuid and Txtloan?

 

Don't waste your time talking to QuickQuid collections. You've got a better chance of getting a reasonable payment plan with them if you contact/complain at resolution@quickquid.co.uk

 

Txtloan will give you a repayment plan but will add the extra interest/charges in advance. Complain about this to them and will give in, or delay them for a while and then offer them a full and final on the original loan and interest if you can afford it. That's how i done it ;)

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