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    • sorry I have been confused by Statute Barred meaning. I thought with Statute Barred the debt cannot be chased 6 years after you have stopped paying.  Originally I set up a payment arrangement with all the companies around 2008 when things went horribly wrong. At that time the payment arrangement was with the original creditors.  I still have one of the original creditors who I pay each month (Cap1). I thought that if you make a payment arrangement you have to stick to that situation throughout. Also, MDR (Moorcroft) have been taking a monthly payment on behalf of M & S Bank for about 5 years. When I sent MDR a CCA request I got a copy of the original agreement sent to me directly by M & S Bank about 5 weeks after my CCA request. Sorry for my ignorance but would you suggest I stop paying all including Cap1 who are the original creditor? TIA
    • London1971 without divulging too much into his mental health he has issues regarding anything to do with government and so is it ok to fill the forms provided and what do I put on there  thanks  
    • Dear all, I am hoping for some advice/guidance on this matter. I received a LoC dated 12/04/24 and replied to this on the 2/05/24 disputing claim with the following reasons: 1: [Inadequate Affordability Assessment]: I contend that your institution failed to conduct a thorough assessment of my financial circumstances prior to approving the loan. As a result, the loan amount and repayment terms were not suitable for my income and financial situation. 2: [Unsustainable Repayments]: The repayment schedule imposed by the loan agreement placed an undue burden on my finances, making it impossible for me to meet my other financial obligations without experiencing significant hardship. 3: [Lack of Transparency]: Your institution did not adequately disclose the risks associated with the loan, including any potential increases in interest rates or fees over the loan term. I also added the following: Under the Consumer Credit Act 1974 and the Financial Conduct Authority (FCA) regulations, lenders have a legal obligation to conduct thorough affordability assessments and ensure that loan agreements are suitable for borrowers' circumstances. I hereby request that your institution: 1: Conduct a full investigation into my claim of irresponsible lending. 2: Provide me with copies of all documentation related to the loan application and approval process, including affordability assessments, credit checks, and correspondence. 3: Cease all collection activities related to the loan until this matter is resolved. Yesterday i received the attached reply via email and it included: 1: The Original Loan agreement 2: An account statement 3: A copy of a default notice letter. The email included a link for a direct debit set up page where you enter their reference and your bank account details (looks like a standard D/D set up page) but there is nothing to indicate the amount of the D/D that I might be agreeing to. I also think two days response time is not long enough to appropriately reply. Any thoughts appreciated   Email-compressed.pdf
    • Easy to set one up on Gov.uk , search on Google.
    • Hi London  he doesn’t have government gateway. Should we do it via post?
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The devices quietly running up your energy bills


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Which uses more energy in standby mode, a computer or a phone charger? You might be surprised

 

 

 

Most of us know that to cut our energy bills we should turn things like televisions and computer monitors off at the wall rather than leaving them in standby mode, which consumes power even when they’re not being used.

 

 

 

 

But smaller gadgets and appliances quietly running in the background could be pushing your energy bills up much faster than you realised.

 

 

 

The Energy Saving Trust estimates that an average household will spend up to £80 a year powering appliances left on standby and not in use.

 

Annual energy usage while on standby:

 

Wireless Router (e.g. BT Hub) - £21.92

Printer (Laser) - £18.26

Set-top (Satellite) - £18.26

Amplifier - £12.18

Compact Hi-Fi - £12.18

iPad charger - £12.18

Nintendo Wii - £12.18

Set-top box (Freeview) - £7.31

Alarm Clock - £6.09

Microsoft Xbox 360 - £6.09

Modem - £6.09

Sony PlayStation 3 - £6.09

Air freshener plug-in - £4.87

CD player / Tuner - £4.87

Television (Plasma) - £4.87

Video Player - £4.87

Inkjet printer - £4.26

Desktop PC - £3.65

Nintendo DS - £3.65

Oven (Electric) - £3.65

Microwave - £3.04

Television (CRT & LCD) - £3.04

Mobile phone charger - £2.44

PC monitor (CRT) - £2.44

Electric toothbrush - £1.22

Childs night light - £0.73

 

 

 

http://www.telegraph.co.uk/finance/personalfinance/consumertips/household-bills/10920520/The-devices-quietly-running-up-your-energy-bills.html

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So I am only saving £3.65 a year by turning the cooker off !

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If I went around unplugging and plugging back in all these devices everyday for a whole year then took the amount of hours that wasted and converted it into money earned per hour it will be cheaper for me to leave it all plugged in.

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Which uses more energy in standby mode, a computer or a phone charger? You might be surprised

 

 

 

Most of us know that to cut our energy bills we should turn things like televisions and computer monitors off at the wall rather than leaving them in standby mode, which consumes power even when they’re not being used.

 

 

 

 

But smaller gadgets and appliances quietly running in the background could be pushing your energy bills up much faster than you realised.

 

 

 

The Energy Saving Trust estimates that an average household will spend up to £80 a year powering appliances left on standby and not in use.

 

Annual energy usage while on standby:

 

Wireless Router (e.g. BT Hub) - £21.92

 

 

http://www.telegraph.co.uk/finance/personalfinance/consumertips/household-bills/10920520/The-devices-quietly-running-up-your-energy-bills.html

 

The top of the (cost) list is one device you might not want to switch off!

 

You could save £22, but how much extra are you spending over "slow broadband" to have "fast broadband", whose speed you might then cripple by turning off the router.

 

By turning it off, the network might think the connection is poor, to which it responds by decreasing speeds until it sees the connection as stable.

 

Turning it off to save electricity may be false economy.

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Hmm so the 3 wireless routers i have round are eating a bit then

 

might replace the alarm clock with an xbox if its same costs tho

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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  • 4 weeks later...

The problem with switching off your home home hub/modem is that it can make your internet wonky for a few days. So I have heard anyway and from personal experience, don't think I was imagining it, it did seem to be the case. Nothing dramatic, but enough to have me leave it switched on. I am surprised that I could save around £1.80 a month by switching it off and might now reconsider.

What sort of world do you want your kids to grow up in?

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If I went around unplugging and plugging back in all these devices everyday for a whole year then took the amount of hours that wasted and converted it into money earned per hour it will be cheaper for me to leave it all plugged in.

 

Have you forgotten the environment?

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I do my bit. I'm not running around turning all my stuff off, it won't make any difference. One day I might plant a tree.

 

ive planted several - i might need firewood in a few years if gas keeps going up

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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Wireless Router (e.g. BT Hub) - £21.9

 

I don't think the company provided (Sky/BT etc) average router have a "standby mode" anyway whereby energy consumption is significantly reduced when in "not in use mode". It's just on or off. I could be wrong with this though.

 

---

 

I forgot to add this article is missing

 

- electric water heater

- gas boiler water heater

 

Human error often leads to simply forgetting or simply turning off the water heating at a time later than ideal for energy consumption.

 

Homes are usually not fitted or inadequately fitted with on/off timer devices and the ones that you can buy are notorious for breaking down negating any efficiency savings. Let alone if you paid someone to install one if you don't want to fiddle with the electrics.

 

---

 

I bet the cost of human error from water heating makes up more than all the standby devices combined.

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What they do not take into account is the start up usage when you are switching everything off and then on. BTW why would you want to switch off an alarm clock? Surely chargers only consume power if they are plugged into the unit they are charging? Who leaves a unit plugged in charging 24/7 365 days a week?

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For some, a better approach is to use extension strips with Individually switched sockets. Many living rooms, for example. Have few power outlets, often two double sockets or a cluster of four near the "entertainment" point. In my house, I have just a single double outlet. My home system is a plasma, satellite box, popcorn hour media player, BD player, two consoles, a NAS/media server, and a gigabit switch to link them to the router. The popcorn, BDplayer, amp, and satellite box don't have physical on/off switches. All are connected to a single multi-socket surge protected power strip, each plug is labelled according to the device, and physically switched off at the plug when not in use.

 

Risks cheaper than leaving them all in standby mode, and more flexible than the approach of turning them all off, or all on/standby. The strip cost £34, but has repaid itself in under a year, especially as I'm on economy 7, which is horrendous for daytime usage.

 

Any devices will still consume power, even when off, as there is a small resistive load on the circuit. But this is so small as to be minuscule, but I have long since suspectd some chargers, even when not charging, impose a higher load than others... Main suspects being cheap 3rd party chargers.

 

On subject of power strips, DON'T buy cheap. Cheap ones have no circuit protection, often a single socket will fail, and can also overheat with catastrophic effect.

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Wireless Router (e.g. BT Hub) - £21.9

 

I don't think the company provided (Sky/BT etc) average router have a "standby mode" anyway whereby energy consumption is significantly reduced when in "not in use mode". It's just on or off. I could be wrong with this though.

 

I think you are right as far as I know. I was also wondering if the electricity consumption figure might be very different with the wireless function switched off. Some people do have the wireless functtion switched off and it might not be worth their while to switch off the entire unit, given their internet connection can be a bit unstable on switching it back on, if they knew they weren't going to be saving as much as they thought they would.

What sort of world do you want your kids to grow up in?

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