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    • Thank you everyone for your quick responses I just wish I posted here in the first place    I probably shouldn't have filled in the claim form however on the letter it said I had limited time to do so and because I was dealing with CST law trying to come to an agreement with paying off the debt I didn't think it would get to this point and now I have probably made my situation worst. Of course, I would have posted here first before sending it off had I not been in communication with CST to set up an agreement.    I sent the letter back to the court as some point in early August, the issue date on the claim form is 28th July and the most recent letter I have received 'Notice of fast track' is dated 18th November    If I am honest I can't fully remember what I wrote word for word in my defence, it would have been along the lines of why I left, my reasons and the fact I returned to my old career in an office plus taking a pay cut to do so. There wasn't much room to write a long winded defence so I kept it relativity short.   The above document Andy has posted is the exact document I am now looking at very confused in what exactly I put where    I just want to re-iterate I never agreed with this money I owe due to the training bond but it has gone on for so long at this point I'm happy to set up a payment plan if the balance can get reduced or a small one off payment upfront and this is exactly what I was trying to do prior to receiving the most recent letter    I have had zero communication from CST law, Centrica advised me to deal with them directly and I was waiting for a response from CST with the offer we had put across to Centrica - I chased it multiple times the following weeks and they kept telling me they haven't had a response and when they do we'll contact you which they still have not   Ideally I would rather not give them any money however I feel like I am out of options at what I probably should have done years ago is attempt to get it reduced and set up a payment plan    Please let me know if I have missed any critical info out    Thanks again for everyones help    What is the claim for – the reason they have issued the claim? I left a British Gas apprenticeship within the first 12 months of starting and went back to my old career in an office , my reasons for leaving were down to the completely differant job role which I realised quikcly was not for me and it was impacting my mental health massively. The claim is for a training bond which was in a contract I signed based on a sliding scale Year 1 - £9,000 year 2 £6,000 year 3 £3,000     What is the total value of the claim? £13433    Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No  Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Training bond due to leaving an apprenticeship before 3 years    When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? They have sent me a virtually signed document with the contract   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? No   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. Centrica are claimant, CST law are dealing and the court   Were you aware the account had been assigned – did you receive a Notice of Assignment? I believe so yes   Did you receive a Default Notice from the original creditor? I have had multiple letters like everyone else who has been on the forum over the years regarding this matter   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? I am unsure, but when I left I had contested the original claim as I was dealing directly with Centrica’s collection team and they never got back to me after the final email I had sent and didn’t hear anything until years down the line   Why did you cease payments? N/A   What was the date of your last payment? N/A   Was there a dispute with the original creditor that remains unresolved? Correct I oringinally contested what was owed back in 2017 and gave my reasons for leaving and I assumed the matter was closed   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No  
    • OK thanks again Andy.   And understood 👍😉
    • Thank you for this. The first thing to be say is that this means that you are winning. It is pretty well unheard of in my experience for the bank to give way and finally return the money. The fact that they have done this under the threat of a judgement for breach of statutory duty indicates even more that they are worried about their position. Nowhere have they indicated that they have complied with the requirements of the Proceeds of Crime Act and informed the National crime agency. I don't believe they have and this is a very serious breach of statutory duty. Not only that it is a very serious breach of the FCA BCOBS regulations in that they are required to treat you fairly. Treating you fairly in this case means that they must comply with the rest of their statutory duties. It appears that they really haven't done this at all and that they have acted in an arbitrary way in disregard of the law and that they are hoping to get away with it. I find myself wondering how many other hundreds of people have been treated in exactly the same way – and you are probably the first ever to have stood up to them and to get them worried. I think I've already indicated that a press contact of mine in the Sunday Times would be very interested in this story. He has already run stories about the very poor standards applied by banks when deciding that their customers are involved in some fraudulent behaviour. The first thing to say about the letter which you have received is that they are trying to apply conditions to releasing your own money. It's your money and there should be no conditions and my suggestion is that you object to this. Secondly, not only are they threatening to continue to withhold your own money – but also they are saying that if they release it to you you will simply have the net figure without any kind of interest or compensation. It's clear that while they have had your money, they have invested it and earn money on it. They have probably been lending it out at between 16% and 20% and although the usual rate of interest is 8%, it seems to me that justice can only be served by repaying you your money plus the commercial rate of interest – at a compound rate. Normally the 8% is calculated at simple. Thirdly, they are not offering to pay you any compensation and clearly they are hoping to get away with it without any kind of sanction or not even a slap on the wrist.   Fourthly, they had the nerve to impose a seven day deadline. Don't worry about their deadline. It's a load of huff and puff. This is all part of their bluff game designed to intimidate you. At the end of seven days – what? Are they then going to insist on going to court?   If they really believe that they had done everything correctly and that the money was fraudulent, then they would not offer it to you back under any circumstances. It would be illegal for them to do so. You can be certain that these people do not want to go to court. In fact they probably wish they had never started.   Finally, they want the matter to be kept confidential – and I can't say I blame them. I would be ashamed if people knew that I had treated somebody else in this way and I'm sure they are worried about reputational damage. I'm also sure that there are extremely worried about what will happen if you get a judgement against them for breach of statutory duty. It will have to be reported to the FCA. It will have to be reported to the NCA. And of course it should be reported to the newspapers because people need to know what is going on. If you want, you can simply accept their proposal – get your money back, given confidentiality – and that's the end of the matter. However, you have no idea how this will impact on your record in the future. I imagine that they will bar you from ever opening an account with them again. – But at least you will have your money and you can get on with your life. However, if you want you can stand your ground and make it clear to them that you are going to be mucked around and treated like this and that you are prepared to go to court if they won't make a proper offer. I understand that you need to pay a court fee of about £350 in the next seven days. I expect that the bank is making this offer now hoping to dissuade you from spending any more money and hoping that you will back down. If you have the money to proceed then I would suggest very strongly that it will be a very serious sign of strength that you tell the bank that you're not interested in that you are paying the fee for the next stage of the court process. If the bank knows that you've called their bluff on this and that you have been prepared to invest further money in moving this legal action forward, then they will start to reflect and I can perfectly well imagine that they will make you another more interesting offer – once again on conditions of confidentiality. Without seeing any further offer, I'm already suggesting that you will probably be best off turning it down. In any event, I would remind you going back several months that I already predicted that the bank would make you confidential offer – and that has happened. I'm not saying that I'm always going to be right here – but I think that now basically the bank have pretty well admitted that they need to pay you your money, there is no chance of you losing it. You will get your money and it really is just a question of how much else you will get in addition. If you'd like to continue then let me know and I will suggest a draft response to them.
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UK winter forecast 15/16


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According to the forecasts, we will either have one of the coldest winters on record with ten feet snowdrifts or a very mild gentle winter with very few cold spells.

 

In other words the forecasters don't know. The ones who sell stories to newspapers are claiming the 'killer' extreme winter and the ones who just study the science without selling stories claim it will be very mild. I tend to therefore believe the latter, as they are not forecasting to generate media headlines.

 

Some of the bookmakers have cut odds on a white Christmas because people have been placing bets because of the media stories.

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And the $64000 winnings for the source of that media story has to be

 

The Daily Express

 

They have been running that same story every October for the last 10 years

 

They keep saying climate experts say this and that, but who are these so called climate experts, The tin foil hat brigade??

 

"Has everyone been noticing 'A Chill In The Air' across the UK & Ireland recently?"

Yes it's called Autumn...

 

This is from 2012

 

http://www.bbc.co.uk/blogs/paulhudson/entries/756e3a7a-74c6-3e6f-8c6a-646ddc9f39d5

Edited by obiter dictum
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 "Moral emptiness and epidemiological stupidity”

"unrepentant and inveterate liar" “tinpot dictator” “mired in sleaze”

Boris Johnson Mendex est

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

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I have a suspicion that the warm waters in the pacific are to do with under water volcanic eruptions. The water temperatures are well above normal. But the waters around the UK are also warmer, as cold water fish are now increasingly moving north of Scotland. So it may be that there are also underwater water heating issues closer to home. There has been an increase in sightings of deep water fish species, possibly being driven nearer to the surface by issues in the deep.

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and the strongest hurricane on record, a category 5 hurricane heads toward coast of Mexico

Around 350KPH winds.

 "Moral emptiness and epidemiological stupidity”

"unrepentant and inveterate liar" “tinpot dictator” “mired in sleaze”

Boris Johnson Mendex est

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

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Just remember how much the temperature of the sea impacts on this country.

 

Check out the latitudes of Moscow and London

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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Just remember how much the temperature of the sea impacts on this country.

 

Check out the latitudes of Moscow and London

 

Quite right.

We will see stormier cloudier but generally less cold weather due to the extra energy going into the systems near us - including the gulf stream.

 

Drier countries/zones will see the more traditional warming - Like Australia and parts of the US getting temperatures which kill people and which you would not even have expected in an unusually hot season in the middle of the Arabian desert.

 

Extra heat = extra energy, not necessarily more sunshine.

Global warming = super storms, tornadoes and hurricanes in many areas, alternating droughts and floods in others, and major erosion everywhere.

 "Moral emptiness and epidemiological stupidity”

"unrepentant and inveterate liar" “tinpot dictator” “mired in sleaze”

Boris Johnson Mendex est

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

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Latitudes of Moscow to London.

Latitudes of Great Britain to Canada.

Is it true that without those lovely warm waters provided by the gulf stream we would have frost 9 feet-3 metres deep in winter.

 

Oh no,we are doomed,get the anti freeze out.

Signs of Gulf Stream Slowdown — Sea Level More Than a Foot Higher off US East Coast

It’s the stuff that climate disaster movies are made of. But the events are all too real — happening now and not part of some dramatized script played out on the silver screen.

 

Signs abound that global ocean circulation is being profoundly altered by human-forced climate change. A pool of cold water has developed in the North Atlantic. England is getting slammed by anomalous winter-type rains and gales in August. And sea surface heights off the US East Coast are more than 30 centimeters (one foot) above the 1979 to 2015 average.Link-

http://robertscribbler.com/2015/08/26/signs-of-gulf-stream-slowdown-sea-level-more-than-a-foot-higher-off-us-east-coast/

 

Someone phone the express-Monday mornings headline for sure.

 

king12345

20 years ago the global warming brigate said that England would be as warm as north Africa by 2015.

I've based my life on that forecast and emigrated to England only to find out that they were wrong.

Damn!

Oh dear can we help in some way.

The global warming brigade need a severe talking to.

 

Conniff

So you came expecting to see Meerkats and instead see Penguins

:lol:

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I'm not an expert, but I haven't seen any effect of this man made global warming.

Instead I have seen documentaries explaining that the earth goes through phases of warming and cooling on a regular basis and has done so for billions of years.

No, hung on: The earth is only 10 thousand years old accordingly to some.

Who to believe???

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I'm not an expert, but I haven't seen any effect of this man made global warming.

Instead I have seen documentaries explaining that the earth goes through phases of warming and cooling on a regular basis and has done so for billions of years.

No, hung on: The earth is only 10 thousand years old accordingly to some.

Who to believe???

 

I think the Earth is affected by forces from outside more than anything Humans have done. The intensity of the Sun, gravitational forces of the Moon and other forces scientists may not be aware of. There have been many recent discoveries by those who study astronomy. They believe that there are now asteriods which can come close to Earth, which are not detected until about 20 days before they appear in telescopes. There is some talk of other planets having a direct effect on the Earth.

 

Global warming through burning fossil fuels is just a small part of a much more complicated mix of issues.

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I'm not an expert, but I haven't seen any effect of this man made global warming.

Instead I have seen documentaries explaining that the earth goes through phases of warming and cooling on a regular basis and has done so for billions of years.

No, hung on: The earth is only 10 thousand years old accordingly to some.

Who to believe???

 

 

You have seen info-mercials funded by the petroleum lobbies rehashing and spinning facts. The vast majority of real climate scientists (97% see links) now clearly believe that man made climate change is both a reality and a real danger.

 

 

The earth does go through periods of heating and cooling BUT consider this,

 

The Earths current cycle should be causing a period of cooler weather, yet is registering record high temperatures

 

These temperature variations in the Earths cycles generally occur over thousands of years (or at least hundreds), not a few decades - or even years as seems to be occurring now.

 

Dont take my word:

 

http://climate.nasa.gov/evidence/

 

http://blogs.scientificamerican.com/cross-check/climate-change-facts-versus-opinions/

 

http://www.who.int/features/factfiles/climate_change/facts/en/

 

http://www3.epa.gov/climatechange/basics/facts.html

Part:

Is climate change influenced more by human activities and excess greenhouse gases or changes in the sun's energy?

 

The sun has natural periods of warming and cooling. With satellites, scientists have measured fluctuations in the sun's energy and found that these recent variations have been small in comparison to human influences in the last several centuries, with no increase in solar energy in the past 50 years. [2] Thus, changes in the sun's energy cannot explain the warming we have seen over the past several decades. In contrast, the warming we are observing is consistent with the warming properties of carbon dioxide and other heat-trapping gases that we are adding to the atmosphere.

 "Moral emptiness and epidemiological stupidity”

"unrepentant and inveterate liar" “tinpot dictator” “mired in sleaze”

Boris Johnson Mendex est

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

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I'm more inclined to believe what unclebulgaria said.

After all the same people who profess global warming are taxing us for utilities that cost pennies making a great profit

 

With due respect to unclebulgaria, I think the researched opinion of 97% of trained climate scientists (backed by all major REAL scientific institutions eg NASA, WHO) holds more weight.

 

Only God's opinion should outweigh that, so the only other option is that the world is 4000 years old and God waved his wand to create oil as a punishment for mankinds evils, and the rapture is upon us.

(Equal offense or not intended to all religions)

 "Moral emptiness and epidemiological stupidity”

"unrepentant and inveterate liar" “tinpot dictator” “mired in sleaze”

Boris Johnson Mendex est

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

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With due respect to unclebulgaria, I think the researched opinion of 97% of trained climate scientists (backed by all major REAL scientific institutions eg NASA, WHO) holds more weight.

 

Only God's opinion should outweigh that, so the only other option is that the world is 4000 years old and God waved his wand to create oil as a punishment for mankinds evils, and the rapture is upon us.

(Equal offense or not intended to all religions)

 

Mankind is wrecking the planet, but this has been the case for a long time. My biggest concern is deforestation, which is removing the lungs from the world and will lead to infertile soil conditions, so less space to grow food. Look at the amount of burning back of forest areas in Indonesia at the moment, as they seek space to plant more palm oil trees. They will knacker their own environment to make money and regret it in the years ahead. It is proven that if you remove the natural forestry that you upset the whole ecology of areas and you end up with soils that are poor for growing food crops.

 

The planet is heating up, with polar zones melting. This is caused by internal and external planet issues. It is one complicated mix of things.

 

If you want to make the situation better, get planting trees, quicker than they are being ripped out of the ground. If they don't stop what they are doing, then you will end up with a planet that is a mess to live in.

We could do with some help from you.

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Planting trees is a darn good start. Not only are they large carbon sinks which also generate and clean the air we breath, they also prevent soil erosion in the increased rain and storms.

 

Heres some more :

http://www3.epa.gov/climatechange/wycd/

 "Moral emptiness and epidemiological stupidity”

"unrepentant and inveterate liar" “tinpot dictator” “mired in sleaze”

Boris Johnson Mendex est

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

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Planting trees is a good idea but when in Brazil an area the size of wales is being destroyed every day pales into comparrison.

 

You then have the two biggest poluters on the planet Uncle Sam and China sticking two fingers up at the Koyto climate change Protocol

 

What did the UK Government do? Siezed the moment to raise Green taxes in the name of climate change to fill the treasury.

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