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    • The gaming giant is offloading the Venetian in a $6.25bn deal to invest in Singapore and Macao. View the full article
    • ok best shot..   you need to reply to that letter of claim.   for debt covered by the consumer credit act:   send a cca request along with the completed form:   NOTE ONLY USE THE ATTACHED FORM below DO NOT USE THE FORM SUPPLIED BY THE DCA IN THEIR PAP LETTER!! DO NOT USE OR GIVE THEM YOUR EMAIL/PHONE NUMBER. USE ROYAL MAIL 1st class - get free proof of posting from any PO counter   box D tick   I dispute this debt because ..i refer you to our previous communications and my previous respond to your previous Letter of Claim. i am over 50yrs and have deferred as required to meet the age write off.    box I tick   I also require you to supply the following..   All signed agreements Copies All my deferment sent to either yourselves, the SLC or the SAAS to date. Copies of all communications bothways in whatever format to/from Erudio, Capquest, yourselves and Me A copy of the any Default Notices A copy of the Notice of Assignment A complete set of statements detailing exactly how the sum you allege is owed has accrued detailing: All Transactions. Any additional charges, be them by the original creditor or you xxxx the debt purchaser or any predecessor DCA. Details of all contractual interest added by whom and on what date. List of ALL Payments made toward the Agreement   no need to do the financial statement etc anything else or send anything else bar the above do NOT give them your phone nor email PRINT your name never sign the form   staple the £1  PO to the CCA request and send it to the debt purchaser return the completed PAP form below to the solicitors that sent it to you attain free proof of posting for BOTH at any PO counter 1st class mail will do. recorded is a waste of money   reply form PAP.pdf
    • There's more support for many in the Budget, but for some it still falls short. View the full article
    • no you are kidding me...   they can't be that thick surely... could be game over if they've faked it.   can you attach it to a private msg to me please.  
    • The original pdf did bring up txt boxes where my details were, it wasn't as if it was a photocopied document with my details embedded and I do find it awfully convenient it appeared the very next day after the case meeting.   The address was the same as it should have been, but ive only recently moved, this case was already in motion during my move.   Can I then just argue the authenticity of the CCA  at the next meeting? Explain that when put into a editor my personal details and only them pop up as carefully placed text boxes whereas the rest of the form looks photocopied??
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

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If only that was his worst ..

absolute peanuts compared to his recent wastes though ..

 

£500 million to tory pals in failing to collect a couple of hundred spit samples a day

£12 Billion on Trace a test which has largely collapsed at the very start of the winter upsurge

£88-100 Billion+ on Brexit as of earlier this year just in lost growth (from memory)

Over a £Trillion in assets fled to the EU (Including Redwood and Ress Mogg)

£288 million a week ongoing for Brexit and post brexit customs bureaucracy - whenever they get the systems running

Nissan and Toyota saying UK taxpayer pay any Brexit tariff bills or Plants including Sunderland are unsustainable

 

How much are the lorry parks costing?

 

... and he still REFUSES to feed hungry UK kids

 

"In every respect, he has acted responsibly, legally and with integrity"

Boris Johnson on Dominic Cummings' Covid field trips

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris "unrepentant and inveterate liar" Johnsons' word

isn't worth the paper written on

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Currently wondering what noise a 3d printer will make if launched via an upstairs window...    It's not worked fully for a couple of months so I brought a new nozzle for it, only to get the

Said it every year so far but I think next year I bite the bullet and get aircon in the house   After all I will have paid off the car and it does heating as well - as our boiler nearly alwa

My thought today is that my boss is very un-accommodating. 🤨   I merely asked if I could take the next six weeks off so that I can find some remote island (hopefully somewhere warm) that had

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just recently it has been very depressing to come in here, everyone seems be arguing and TJ always has it in for either Johnson or someone else,  can    we have some nice things to talk about!

Maybe TJ should become a PM and fight his corner! lol can not be any worse then the idiots who have tried, just glad Corbyn got   his come upperance

 

 Sandy

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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Source of some good news stories

 

https://www.goodnewsnetwork.org/

 

For example,  deaths due to TB are reducing.

 

https://www.goodnewsnetwork.org/global-tuberculosis-falling-fast-in-developing-countries/

 

New Report Shows Tuberculosis Deaths Have Fallen By 14% in Five Years, Saving 60 Million in the Last Two Decades

 

Uplifting stories from the BBC

 

https://www.bbc.co.uk/news/topics/cx2pk70323et/uplifting-stories

 

Inspiring stories from the BBC

 

https://www.bbc.co.uk/news/topics/cz4pr2gdgvgt/inspiring-stories

 

And 45 secs into this video, should raise a laugh

 

 

 

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2 hours ago, snowdragon said:

just recently it has been very depressing to come in here, everyone seems be arguing and TJ always has it in for either Johnson or someone else,  can    we have some nice things to talk about!

Maybe TJ should become a PM and fight his corner! lol can not be any worse then the idiots who have tried, just glad Corbyn got   his come upperance

 

 Sandy

 

 What makes you think my real in initials aren't KS

 

Edited by tobyjugg2

"In every respect, he has acted responsibly, legally and with integrity"

Boris Johnson on Dominic Cummings' Covid field trips

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris "unrepentant and inveterate liar" Johnsons' word

isn't worth the paper written on

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  • 3 weeks later...

Interesting read

https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/344695/PI_Response_Plan_13_Aug.pdf

 

When Ministers are asked by the media if they could have prepared better the answer is in the context we couldn't have predicted this, and hindsight is a good thing. Well it seems the link above shows differently. I can't see where the Gov is

challenged on this.

 

The other big question is when it was known the virus was on the move spreading across the world. If it was December 2019 or before? should've shut down in Jan 20. Spending goes down significantly after Christmas and would've mitigated the affect of the virus and on the economy.

 

and this https://images.app.goo.gl/AHEecm34im8X7RhS7  this may open up but it's the Chumocracy diagram in Daily Mail Gov questioned if covid contracts are checked.

 

Listening to Christmas songs I like since the 70's still going strong and joyous !

Edited by determindator
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17 hours ago, determindator said:

Interesting read

https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/344695/PI_Response_Plan_13_Aug.pdf

 

When Ministers are asked by the media if they could have prepared better the answer is in the context we couldn't have predicted this, and hindsight is a good thing. Well it seems the link above shows differently. I can't see where the Gov is

challenged on this.

 

The other big question is when it was known the virus was on the move spreading across the world. If it was December 2019 or before? should've shut down in Jan 20. Spending goes down significantly after Christmas and would've mitigated the affect of the virus and on the economy.

 

and this https://images.app.goo.gl/AHEecm34im8X7RhS7  this may open up but it's the Chumocracy diagram in Daily Mail Gov questioned if covid contracts are checked.

 

 

 

So yet again, the excuse for criminality - at the very least (IMO) criminal negligence

.. is criminal levels (IMO) of incompetence

 

Edited by tobyjugg2

"In every respect, he has acted responsibly, legally and with integrity"

Boris Johnson on Dominic Cummings' Covid field trips

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris "unrepentant and inveterate liar" Johnsons' word

isn't worth the paper written on

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I hear people working in film and tv industry are regularly tested some daily to around twice a week, with the quick result type.

 

I haven't met any NHS worker yet who is tested at all on a regular basis to monitor the disease. Maybe to keep NHS staff working and not absent with covid.  I've heard of covid tests where there's an immediate need to mitigate an outbreak in a particular area. There's been covid anti body tests which I presume was carried out across the NHS, but I don't know. It was voluntary.

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11 hours ago, determindator said:

I hear people working in film and tv industry are regularly tested some daily to around twice a week, with the quick result type.

 

I haven't met any NHS worker yet who is tested at all on a regular basis to monitor the disease. Maybe to keep NHS staff working and not absent with covid.  I've heard of covid tests where there's an immediate need to mitigate an outbreak in a particular area. There's been covid anti body tests which I presume was carried out across the NHS, but I don't know. It was voluntary.

 

Some clinical staff are receiving weekly tests - my daughter in law for oine who looks after people with compromised immune systems

 

Absolutely zero none clinical staff that i know of get tests at all, let alone regularly, although some are now starting to get a home test for use if they get symptoms - long overdue.

 

As an aside, my immediate family is registered at 3 different GP serguries. One in particular is little more than a joke with everything 'don't come in it might be covid - go for a test or to hospital minor injuries.

We went for test and surgery and that surgery then said (o/h surgery) - well its only valid on day.

 

You would think we are 10 days into a pandemic - not ten months.

 

 

 

 

 

"In every respect, he has acted responsibly, legally and with integrity"

Boris Johnson on Dominic Cummings' Covid field trips

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris "unrepentant and inveterate liar" Johnsons' word

isn't worth the paper written on

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Very true TJ with GP surgeries, varying patient service all around. It's time for surgeries who are covid nervous to start

putting in place their procedures to avoid sending patients to A&E unnecessarily,  It compounds the problem of the  over stretched hospitals. I found out today self testing kits are being delivered to the NHS probably gradually and in certain places of need as you say.  Hopefully it's being rolled out nationally and staff will be confident they are being cared for so they can care for others.

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11 hours ago, determindator said:

Very true TJ with GP surgeries, varying patient service all around. It's time for surgeries who are covid nervous to start

putting in place their procedures to avoid sending patients to A&E unnecessarily,  It compounds the problem of the  over stretched hospitals. I found out today self testing kits are being delivered to the NHS probably gradually and in certain places of need as you say.  Hopefully it's being rolled out nationally and staff will be confident they are being cared for so they can care for others.

 

I find it astonishing that this particular surgery sends nurses out to patients in the car park (when you threaten them with formal complaint), they are dressed up in full covid ward PPE. and will only do limited checks through the car window - listen to chest and use finger monitor. Wont check your throat for love nor money.

 

Dentists will work on your mouth, su[supermarket staff will serve hundreds of people a day behind a small screen (with gaps) or a simple mask

-yet these GP's wont show their faces and the nurses act as though they are in some zombie apocalypse film examining some dead zombie they think might suddenly come back to life and bite them when forced at gunpoint to give someone a cursory check..

 

My surgery is brilliant - careful - but caring

"In every respect, he has acted responsibly, legally and with integrity"

Boris Johnson on Dominic Cummings' Covid field trips

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris "unrepentant and inveterate liar" Johnsons' word

isn't worth the paper written on

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The questionable service from the surgery you mention TJ could do with their methods being passed onto the Care Quality Commission and PALS. 

 

Watching Panorama this week the shared ownership scheme needs a serious review to ensure the system helps people not hinder. There must also be developments in the shared ownership scheme with unsafe cladding compounding the

terrible financial situation the developers and landlords have put people in.

 

From the Grenfell enquiry, to me the cladding was mis sold as being entirely inflammable and wondered if the process of fitting the cladding, the council also had the responsibility of conducting their own fire tests. In addition to those thoughts, I'm sure the fire service and resident associations made it clear over time for Grenfell and other developments in the UK buildings did not comply to stringent fire and safety regulations.

Edited by determindator
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This is the time for retailers to sell and raise their income. I'm surprised how many are not reducing goods significantly to get revenue in, especially when you hear they're in financial difficulty. As time goes on there could easily be less money available to consumers to buy so retailers should sell well now before retailers find themselves with loads of stock they can't sell especially after the Christmas celebrations.

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Culture Secretary Oliver Dowden wants Netflix to prefix episodes of The Crown to tell younger viewers that it's fiction.

 

I think they should put the same prefix in front of announcements and comments by Tory ministers.

 

https://www.theguardian.com/tv-and-radio/2020/nov/29/the-crown-netflix-health-warning-fictional-oliver-dowden

Illegitimi non carborundum

 

 

 

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13 hours ago, honeybee13 said:

Culture Secretary Oliver Dowden wants Netflix to prefix episodes of The Crown to tell younger viewers that it's fiction.

 

I think they should put the same prefix in front of announcements and comments by Tory ministers.

 

 

And a lot of CAG posts too I reckon.

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  • 1 month later...

I've got loads of EXTRA pages (from the future it would seem) according to the page numbers in article 50 and mutating corona-virus

 

 

"In every respect, he has acted responsibly, legally and with integrity"

Boris Johnson on Dominic Cummings' Covid field trips

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris "unrepentant and inveterate liar" Johnsons' word

isn't worth the paper written on

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Dunno but its been suggested that the pages from the future are me trying to tell me the lottery numbers

.. page numbers correct in this therad

Edited by tobyjugg2
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"In every respect, he has acted responsibly, legally and with integrity"

Boris Johnson on Dominic Cummings' Covid field trips

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris "unrepentant and inveterate liar" Johnsons' word

isn't worth the paper written on

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2 minutes ago, tobyjugg2 said:

Dunno but its been suggested that the pages from the future are me trying to tell me the lottery numbers

Wouldn't that be nice!   Maybe a cookie and data clear is needed may solve the anomalie.

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I'm munching a cookie with a cup of tea - and feeling much better

"In every respect, he has acted responsibly, legally and with integrity"

Boris Johnson on Dominic Cummings' Covid field trips

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris "unrepentant and inveterate liar" Johnsons' word

isn't worth the paper written on

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12 minutes ago, determindator said:

Hoorah! I can access Article 50 now😀

 

Hope your anomalie gets sorted TJ if not already.

 

 

your issue wasn't the incredible broken link page was it @D

"In every respect, he has acted responsibly, legally and with integrity"

Boris Johnson on Dominic Cummings' Covid field trips

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris "unrepentant and inveterate liar" Johnsons' word

isn't worth the paper written on

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Share on other sites

I've seen two adverts on TV by well known personalities for equity release. I'm concerned with this concept as it was well known TV personalities who advertised secured loans and we know the misery that caused to many. 

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IMO 'equity release' like 'shared ownership', 'Boris Johnson' or 'Jeremy Corbyn', should not be seen or heard, especially on broadcast media, let alone intelligent people giving any serious consideration of letting them anywhere near your life and well-being

 

- any more than sending your child to child minding services run by boko haram

"In every respect, he has acted responsibly, legally and with integrity"

Boris Johnson on Dominic Cummings' Covid field trips

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris "unrepentant and inveterate liar" Johnsons' word

isn't worth the paper written on

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