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    • Just as the title says, if ever there was a good reason to ditch Micro$oft and move to Linux then this is it :-   Giving Windows total recall is a privacy minefield • The Register WWW.THEREGISTER.COM It's only a preview, and maybe it should stay there ... forever Help is available, most modern PC's can run a version of Linux suitable for your needs and it is not difficult to use or learn. Ubuntu is popular, new version is very modern Garuda Linux is the one I use, based on Arch, rolling release, bang up to date. I have friends and acquaintances, old and young, PC Literate and not. Most people who try it never go back to Windows Hamster
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    • a card should be 16 digits...urm... note your dates above please. do not miss them no matter what happens  ......................... pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’. Choose ‘Create sign in details’ to register for the first time. You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID. You should make a note of your memorable word, or password as these are not included in the email.  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .. get a CCA Request running to the claimant . https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . .use our other CPR letter if the claim is for an OD or Telecom Debt or Util debt]  https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ on BOTH type your name ONLY Do Not sign anything .do not ever use or give an email . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............  
    • Which Court have you received the claim from ? Northamton, civil national business centre Name of the Claimant ? PRA Group Uk Portfolios ltd. How many defendant's  joint or self ? self Date of issue –  21 May 24 date of AOS - 07-06-2024 date for filing defence by - 21-06-2024 Particulars of Claim 1. The claimant claims the sum of £5600 for an outstanding debt owed. 2. On Mar 2000 the Defendant entered into an agreement with Barclays Bank Uk PLC for a credit card under reference ( 11 digit ref ). 3. on Mar 21 the defendant defaulted on the agreement  with an outstanding balance of £5600. 4. On Aug 21 the debt £5600 was assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on Dec 23. 5. Notices of assignment were sent to the defendant in accordance with S136 Law of Property act 1925. 6. The claimant has instructed PRA Group (UK) Limited to act on its behalf in the recovery of the outstanding debt and to pursue litigation on its behalf. AND THE CLAIMANT CLAIMS 1. The sum of £5600 What is the total value of the claim? £6100  Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No - just emails threatening action   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes   Did you inform the claimant of your change of address? no Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? credit card   When did you enter into the original agreement before or after April 2007 ? before - in 2000   Do you recall how you entered into the agreement...On line /In branch/By post ? I don't recall - I suspect post / online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? am awaiting access - but I suspect it is    Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. assigned - debt purchaser has issued the claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Pretty certain - Yes   Did you receive a Default Notice from the original creditor? pretty certain - Yes   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? there's been gaps - they went very quiet  Why did you cease payments? Covid lockdowns  What was the date of your last payment? i thought it was 2020 - they say 2021 Was there a dispute with the original creditor that remains unresolved? no Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? no
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Labour to Raise Min Wage to £8


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The minimum wage would rise to £8 an hour over the course of the next parliament if Labour wins the general election, the party has pledged.

 

Leader Ed Miliband said it was "not good enough" that one in five people in the UK were on low pay.

But the Conservatives said they had already delivered an above-inflation increase as, from October, the minimum wage will rise from £6.31 to £6.50.

The minimum wage for adult workers was £5.80 at the time of the last election.

 

Chancellor George Osborne suggested, in an interview with BBC Political Editor Nick Robinson in January, that the minimum wage would rise to £7 an hour in 2015 to return the level it was at before the economic downturn.

'Wealth creators'

The rate is recommended by the Low Pay Commission, which is overseen by Liberal Democrat Business Secretary Vince Cable.

"By crashing the economy, Labour made everyone poorer and they haven't learnt their lesson”

 

Sajid Javid Conservative minister

Government sources have suggested that the rate would probably rise to £8 by the end of the next Parliament if it continued on current trends. The TUC has called for the minimum wage to increase to £10 an hour.

Mr Miliband announced the policy in interviews with the Sunday Mirror and Observer newspapers as Labour's annual conference got under way in Manchester.

 

The party says the £1.50 per hour increase would be worth £60 a week, or £3,000 a year, for the lowest paid.

"Too often people think that politics doesn't care about them," the Labour leader told the Sunday Mirror.

"They are the wealth creators just as much as the top entrepreneurs and the top business people. And we've got to reward them."

 

Tory cabinet minister Sajid Javid: "Ed Miliband would make people worse off."

He said the party would show "how we can become a country that rewards hard work once again".

In the Observer interview he added: "It is not good enough for us that one in five people in our country go out to work, make their contribution and are in low pay."

 

But Conservative Culture Secretary Sajid Javid said people would not take "lectures" from Labour on helping people on low pay.

"By crashing the economy, Labour made everyone poorer and they haven't learnt their lesson," he said.

"Ed Miliband would make people worse off with the same failed policies that got us into a mess in the first place - more wasteful spending, more borrowing and higher taxes."

'Dangerous'

The Liberal Democrats said the best way to help the low paid was to cut their taxes.

"Labour has refused to back tax cuts for working people," a spokesperson added.

Meanwhile, Mark Littlewood from free market think tank the Institute of Economic Affairs said the move would be "dangerous" for the economy.

 

The national minimum wage is the lowest hourly rate at which workers must legally be paid, although there are lower levels for workers aged 18-20, those under 18 and those working on an apprentice scheme.

It was introduced by Labour in 1997 and the level is reassessed annually by the Low Pay Commission, which then makes a recommendation to ministers.

 

October's above-inflation increase of 19p (3%) - announced in March - will be the first time in six years that the rise is higher than inflation.

The rate for 18 to 20-year-olds will go up by 10p to £5.13 an hour, a 2% increase.

The rate for those aged 16 and 17 will rise by 7p to £3.79, also a 2% rise.

Apprentices will earn an extra 5p an hour, taking their wages to at least £2.73.

 

In August the Consumer Price Index rate of inflation was 1.5%.

 

BBC

 

So we could see people taking home less because they will move into the income tax bracket or less because employers will reduce hours or even less still as they will be made redundant because some employers won't be able to afford the rise.

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did you notice that when the minimumm wage was introduced the price of food in all of the fast food chains almost doubled? Another problem with this structure is that many meployers now only pay the minimum wage rather than negotiate a salary either individually or for staff groups so the median income has fallen over the years whilst teh average pay has gobe up due to the skewing of the data by a few people on £7 million a year for doing f*** all.

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Personally I think this is a good move. Corporate profit margins are currently quite high with the FTSE100 now sitting higher than its peak in 2008; yet people's wages have been static. I think there is room in the economy to do this.

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Personally I think this is a good move. Corporate profit margins are currently quite high with the FTSE100 now sitting higher than its peak in 2008; yet people's wages have been static. I think there is room in the economy to do this.

 

Perhaps a better idea would be for those with a higher standard of education to get a slightly better wage. At least that is something to aspire to. Unfortunately we cannot limit what profits a company makes so the profit margin will always be the same and to get this amount of profit, the manufacturer increases the cost of the goods, The retailer increases the price to the consumer and ultimately the consumer loses out. Due to inflation busting increases in Zimbabwe, a few years ago a toilet roll cost over Zimbabwe $1000 and I am sure we do not want to go down that road. They just did it a lot quicker than most Western countries.

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..... yet people's wages have been static. I think there is room in the economy to do this.

 

ditto

in some cases, the same salary/wage is being offered for jobs now, that were given some 10/15 yrs ago for the same job!

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Due to inflation busting increases in Zimbabwe, a few years ago a toilet roll cost over Zimbabwe $1000 and I am sure we do not want to go down that road.

 

 

I bet the newspaper industry would love it :)

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I dont think an all out increase of over £1.50 an hour is the answer. As someone else said, all that will happen is consumer goods & services will increase. Also the biggest losers in this will be the smaller independent businesses. Generally they have been unable to increase their profits due to their customers not having the money. If anything due to increases in energy bills they are worse off.

 

Perhaps a better idea would be for those with a higher standard of education to get a slightly better wage. At least that is something to aspire to.

 

Sadly my experience is that a huge amount of these supposed educated people leaving university or college today have neither the skills nor work ethic to justify giving them extra. Employers find that those that leave school at 16 and learn their trade or those coming into the workplace after early retirement elsewhere work harder & pick up new things far quicker.

 

If labour wants to do anything to improve job prospects and the standard of living for todays Britains. They need to get out of the EU. Close the borders & bring back apprenticeships.

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I am sick to death with people putting down graduates/the educated for not having work skills. At the same time we are told immigrants are better qualified. Which one is it? Getting a degree is damned hard, take it from someone who obtained one later in life after many years of working.. As for people having more skills because they've been working since 16, this itsnt always true. I've worked with many people without qualifications/education and some of them have good skills but many don't. We are slowly changing into a society that sneers at academic achievement but at the same time complains immigrants have better skills and are higher qualified. Whats wrong with this picture!

 

 

 

 

I dont think an all out increase of over £1.50 an hour is the answer. As someone else said, all that will happen is consumer goods & services will increase. Also the biggest losers in this will be the smaller independent businesses. Generally they have been unable to increase their profits due to their customers not having the money. If anything due to increases in energy bills they are worse off.

 

 

 

Sadly my experience is that a huge amount of these supposed educated people leaving university or college today have neither the skills nor work ethic to justify giving them extra. Employers find that those that leave school at 16 and learn their trade or those coming into the workplace after early retirement elsewhere work harder & pick up new things far quicker.

 

If labour wants to do anything to improve job prospects and the standard of living for todays Britains. They need to get out of the EU. Close the borders & bring back apprenticeships.

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I dont think an all out increase of over £1.50 an hour is the answer. As someone else said, all that will happen is consumer goods & services will increase. Also the biggest losers in this will be the smaller independent businesses. Generally they have been unable to increase their profits due to their customers not having the money. If anything due to increases in energy bills they are worse off.

 

 

I think you defeat your own argument there.

 

Minimum wage increase means an increase in consumer spending = more customers for business. While profit per unit might decrease a little bit, the extra sales generated by more consumer spending mean that overall profit should remain static or actually increase.

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This coming from a party who intends to vote for a 9% increase in their own pay !

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What is needed is a regionalised minimum wage, if you are earning £8 an hour in the north east for example, you are quite well off. If you live in London like I do, £8 an hour is not enough.Also the main beneficiary of increased wages is the treasury. If the minimum wage increased by £1.50 an hour, the government would get more tax in. Also for every £1.50 extra that people earn (after tax) their housing benefit will be reduced by £1. The increase in pay after taking into account council tax and reduced housing benefit would be negligible.

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A Valid point.

 

But then why should the government be subsidising employers that pay the bare minimum?

As for the tax take increase from pay, that is running on the assumption that everyone is full time, which as we have seen are not. £10,000 per year you can earn without being l iable for the taxs your talking about. For most of the workforce who are part time or zero hour contracts there will not be an increase in tax deductions from wages.

 

HOWEVER, with more people spending, the money collected form VAT will increase.

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And most of thos eon mimimum wage are part time and therefore raising their minimum wage will not add that much to their tax burden.

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  • 2 weeks later...
I dont think an all out increase of over £1.50 an hour is the answer. As someone else said, all that will happen is consumer goods & services will increase. Also the biggest losers in this will be the smaller independent businesses. Generally they have been unable to increase their profits due to their customers not having the money.

 

There were scare stories about how the economy would crash when the min wage was first mooted and it didn't happen, your point on this sounds very familiar.

 

Also, no business should be allowed to profit whatsoever without first paying all their staff at least a reasonable wage, let alone increase their profits!

 

Finally, customers don't have the money as they are not paid a good wage to spend in the first place!!

Edited by Lawrence McGinty
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ditto

in some cases, the same salary/wage is being offered for jobs now, that were given some 10/15 yrs ago for the same job!

 

Absolutely agree.

 

At the same time essentials such as domestic gas, electricity, water, vehicle fuel and council tax and even food has risen way out of kilter in comparison.

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did you notice that when the minimumm wage was introduced the price of food in all of the fast food chains almost doubled?

 

No, I didn't notice this.

 

I was of the understanding that even businesses welcomed the min wage once it was introduced and the prophets of disaster didn't materialise.

 

I don't think it is a good argument to not increase the min wage in case a burger gets more expensive.

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If the minimum wage is increased, surely that means the price of consumer goods would also rise and we would still be on the same merry go round??

 

How about businesses simply cut their greedy profit instead?

 

Eg, if a huge business makes 2 billion profit per year then why would it be wrong that they just make 1.8 billion profit after paying their staff more, as they should have done in the first place?

 

Greedy businesses would simply price themselves out of the market if they substantially increased their goods.

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I am sick to death with people putting down graduates/the educated for not having work skills. At the same time we are told immigrants are better qualified. Which one is it? Getting a degree is damned hard, take it from someone who obtained one later in life after many years of working.. As for people having more skills because they've been working since 16, this itsnt always true. I've worked with many people without qualifications/education and some of them have good skills but many don't. We are slowly changing into a society that sneers at academic achievement but at the same time complains immigrants have better skills and are higher qualified. Whats wrong with this picture!

 

 

 

Getting a degree may well be hard, but I am struggling to see how that equates to useable work skills.

 

The issue is that some graduates have demonstrated academic achievement, but do not have basic skills that are useful in the workplace.

 

I don't sneer at academic achievement, but I am frustrated by graduates who seem to think a degree is all they need. Some lack such basic skills as the ability to spell and punctuate, but I suspect that many more fall foul of employers because of poor social skills and self-awareness.

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