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    • Slight Update - All payments should be made by the end of this week. However the Customer Service Team are unable to say how much is due as they "Dont have access to say"  Payments should be made by BACS to your Bank Account.    Please keep an eye out. 
    • Actually just calculated it again its just under 6 months by 11 days 
    • and the hard Brexiters wont accept anything but a complete break ... despite their apparent stance on US deal rule taking. ;-/  
    • Johnson is playing a pretty good game while the corbynistas continue to prove they are anything but with their  'more democratic party' where rules are changed when the Corbynistas break them, and they try to ensure that even if they lose, there people are in permanent positions when the hard working troops lose their jobs.   Corbyn allies ‘line up top jobs before new Labour leader is elected’ https://www.theguardian.com/politics/2020/jan/26/corbyn-allies-line-up-top-jobs-before-new-leader-elected     Rebecca Long-Bailey broke Labour leadership rules but was cleared by Corbyn allies https://www.independent.co.uk/news/uk/politics/rebecca-long-bailey-labour-leadership-rules-broken-corbyn-election-latest-a9300891.html         While Johnson consolidates his wins from Labour   https://www.theguardian.com/uk-news/2020/jan/26/northern-rail-to-be-renationalised-and-some-beeching-closures-reversed   " Blyth Valley, a former Labour stronghold in the north-east that turned Conservative in the election and presaged the collapse of the “red wall”, is likely to be among the first places to benefit from the reopening of passenger services. "
    • “Variola may have been introduced to humans through such a cross-species transfer” “It is closest in DNA sequence to camelpox virus, which causes smallpox-like disease in camels; both viruses are apparently descended from a recent common ancestor.” https://academic.oup.com/cid/article/38/6/882/321153   To re-read. Frankly anyone who thinks the WHO, CDC and UK Gov recommendation of 14 days is anything other than a sensible minimum, is a dangerous idiot IMO, particularly given the apparent extremely fast mutation rate being reported ...  and ability to jump species         Mutation of Smallpox **********************   "Clinical descriptions indicate that smallpox always had a high case-fatality rate until around the end of the 19th Century, when a more benign form of the disease, with a similar rash but much lower mortality rate, appeared in the Western Hemisphere. Less lethal types of smallpox were also noted in Africa, where they may have existed for some time [5]. These milder variants are now designated “variola minor,” in contrast to the traditional “variola major.” The genetic changes responsible for attenuation have not been identified. https://academic.oup.com/cid/article/38/6/882/321153   Interestingly cowpox was used as a relatively effective ‘vaccine’ against smallpox, and monkeypox seems to be ‘expanding’ to fill the nasty nitch that smallpox existed in. Note That although smallpox and monkeypox are often talked about in the same breath, and are often considered closely related, despite monkeypox, camelpox and Cowpox vaccines’ effectiveness against smallpox and each other, the genetics of smallpox and monkeypox have been examined and they are not believed to be actually genetically ‘related’. https://www.who.int/news-room/fact-sheets/detail/monkeypox   … On the other hand Camelpox and Smallpox on more recent examination are believed to be VERY closely related: “Variola may have been introduced to humans through such a cross-species transfer” (like Coronavirus) It (smallpox) is closest in DNA sequence to camelpox virus, which causes smallpox-like disease in camels; ***** both viruses are apparently descended from a recent common ancestor.” "The appearance of variola minor may represent a stage in variola's adaptation to its human host." https://academic.oup.com/cid/article/38/6/882/321153       Possible sources of fresh smallpox outbreaks ************************************************ Lots of references say things like smallpox has been ‘entirely eliminated from the world’ when it clearly still exists. ‘Eradicated’ should be qualified as being ‘from the living human poplation. Even whether ‘carriers’ exist is unknown.   * ‘Officially’ (WHO approved) in 2 labs - which means little to weapons programs or nature itself - Accidents and misplacing links already supplied.   * Unofficially it is claimed to be held in other bio-weapons labs: Just two links of many: https://en.wikipedia.org/wiki/Soviet_biological_weapons_program https://www.news-medical.net/health/Smallpox-Biological-Warfare.aspx   * Animal hosts and species jumping of genetically similar Virus like Camelpox.   * thousands of Inuit infected bodies across the melting areas of the melting Northern ice and peat bogs and tar pits around the world. http://www.bbc.com/earth/story/20170504-there-are-diseases-hidden-in-ice-and-they-are-waking-up https://www.npr.org/sections/goatsandsoda/2018/01/24/575974220/are-there-zombie-viruses-in-the-thawing-permafrost?t=1580114743932     in the summer of 2016 a large anthrax outbreak struck Siberia. "A heat wave in the Arctic thawed a thick layer of the permafrost, and a bunch of reindeer carcasses started to warm up. The animals had died of anthrax, and as their bodies thawed, so did the bacteria. Anthrax spores spread across the tundra. Dozens of people were hospitalized, and a 12-year-old boy died.   On the surface, it looked as if zombie anthrax had somehow come back to life after being frozen for 70 years. What pathogen would be next? Smallpox? The 1918 flu?"      
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Sarahlou21

JD Williams Debt Help :(

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Hi,

I would just like some advice about how to get rid of my debt.

 

My original debt was roughly £1300 but now its £2500 because of all the interest they have put on my account.

 

I did contact them advising them of my situation back in 2012 and they wouldn't help me or freeze my charges.

 

Because of them not helping me, i just left it and now i really need to sort it out.

 

My credit is very poor now due to this mess,

and i just want it gone from my credit file.

what should i do?

 

I can't afford to pay it all back either.

 

 

many thanks

Sarah

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We found we had to stand very firm with them,

refusing to speak on the phone and instead writing.

 

Re-iterated the financial hardship situation and asked them to freeze interest and accept a payment plan.

 

Eventually they did accede, froze interest and accepted monthly payments of around 60% of what would be the normal payment based on the amount outstanding.

 

 

Good luck!

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have you got all the statements?

 

got lots of £12 penalty fees & PPI?

 

TELL [dont ask] them they are only going to get £xxPCM for xx mts

as a goodwill gesture

and as a reciprocal GOGW they must freeze int & refrain from levying PENALTY charges.

if they wont

drop them to £1PCM for life.

.

as an example>

LETTER 1

.

I am currently in financial difficulties and not able to meet my normal monthly repayments.

to show my goodwill, i am going to pay £5 for 6 mts.

 

i will update you in 6mts time or before, should my situation change.

could you please as a reciprocal goodwill guesture,

refrain from levying any penalty charges & freeze the interest on my account.?

Should you fail to assist me during a period of financial difficulty, contrary to all the guidelines and codes

issued by the relevent bodies and authorities that govern you and the way you conduct yourselves.

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

as your actions would do nothing to help me.

i thank you for your time.

signed

.

then pay by your internet banking site

.

and get reclaiming

.

TAKE CONTROL

.

if you have sent the above and they refuse

then write back........

.

.LETTER 2

 

i'm sorry, but you have failed to assist me during a period of financial difficulty,

against all the guidelines and codes issued by the relevent bodies and authorities

that govern you and the way you conduct yourselves.

i repeat again, the contents of my letter dated dd/mm/yyyy, for want of clarification:

to show my goodwill, i am going to pay £XX for XX mts

could you please as a reciprocal goodwill guesture, refraining from levying any penalty charges

& freeze the interest on my account.

i will update you in 6mts time or before, should my situation chance.

should you fail to help by refraining from levying unlawful PENALTY charges & freeze my interest,

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

as your actions are doing nothing to help me.

This is contrary to the rules you should operate under.

disgruntled account holder

dx


..

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They trap and then sting you for 3-4 lots of £12 per month


So whats cooking today ?

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And all those charges are completely unenforceable and can be ignored/reclaimed.


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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