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    • It is known as bodily injury and property damage liability ,your motorbike liability insurance covers the cost of liability ,claims and legal fees up to your policy are you in fault in an accident.
    • Tell the friend that the Bank may be able to sell the house, after repossession is granted and could sell it for a much reduced price. Your friend could stand to lose hundreds of thousands of pounds.   Why does your friend not borrow the money or sell goods to raise the money ? Are there goods in the house, such as furniture, that could be sold to raise money ?
    • I haven't checked with the Land Registry but assume the charge is still there.   I have no knowledge of SB rulings but read:   For most types of debt in England, Wales and Northern Ireland, the limitation period is six years. This applies to most common debt types such as credit or store cards, personal loans, gas or electric arrears, council tax arrears, benefit overpayments, payday loans, rent arrears, catalogues or overdrafts. There are some exceptions though: Mortgage shortfalls have a longer limitation period of twelve years for the money you borrowed (the ‘capital’), while the interest charged on this has a limitation period of six years
    • This situation has reared its head again Friend had such luck (through my efforts) at the start of the year to get the bank to clear the service charge debts and add them to the mortgage. Friend ended up having a slightly larger mortgage but at really low interest rate. And the freeholder got their service charge money.   But friend has had head in sand all year.  And has now failed to pay the bank one payment all year!!  It is so infuriating.    With costs, friend now owes apx £1500.   So the bank re-opened the original claim of the freeholders - which they paid off - and have now got a Judgment against friend.  With a repossession hearing in a few weeks.... The value is apx £1.5m.   The mortgage is like £100k.   (About £100/m).   Now Judgment for owing £1500 on a £1.5m property.   I have been telling friend all year to make payments.  Now friend really needs to make a payment.   Still absent overseas.   Additionally - another set of service charges are due now   I won't let these people take the property - but I don't know how to help.   I told friend to pay the mortgage and ask the bank to pay the service charges again.  And in the meantime find a better solution - such as selling an asset.  But nothing has been done at all in the last 9 months.   Any good suggestions?      
    • moved you to the bh forum plenty to read here:   like https://cse.google.com/cse?cx=partner-pub-8889411648654839:3134625398&q=brighthouse sold item&oq=brighthouse sold item&gs_l=partner-generic.3...7889.15692.0.16208.21.21.0.0.0.0.113.1591.20j1.21.0.gsnos%2Cn%3D13...0.7807j5246289j21...1.34.partner-generic..21.0.0.jn7G89f5l50
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Clear33

Important petition to sign - to abolish fraudulent trials within the NHS

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Please take the time to sign and share as much as possible.

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Please take the time to sign and share as much as possible.

 

It might help if you explain a bit more about the petition, Clear33.

 

HB


Illegitimi non carborundum

 

 

 

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Thanks HB :-)

 

 

The link I provided is thorough to get a good grasp on the subject.

 

 

Here is an ex NHS worker, academic, clinician Lindy also outlining the current situation very well:

 

 

http://disabledintorybritain.com/2015/11/01/tory-majority-day-85-whats-also-wrong-with-the-mecfs-pace-trial-the-nhs-should-have-done-the-critical-analysis-so-tom-kindlon-didnt-have-to/

 

 

'I have gone from being a person who entirely supported and believed in the NHS and had the deepest respect for most clinicians that I worked alongside or met along the way, to a person totally jaded by a system that can allow such terrible treatment of ME CFS patients continue unquestioned'

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http://blogs.plos.org/mindthebrain/2015/10/29/uninterpretable-fatal-flaws-in-pace-chronic-fatigue-syndrome-follow-up-study/

Another good article on this.

'Voodoo statistics' have stopped biological research into this illness and used up what little funding there was under a pretence of helping when in reality it was causing a lot of harm.

 

 

"

The PACE investigators sacrificed any possibility of meaningful long-term follow-up by breaking protocol and issuing patient testimonials about CBT before accrual was even completed.

 

This already fatal flaw was compounded with a loose recommendation for treatment after the intervention phase of the trial ended. The investigators provide poor documentation of which treatment was taken up by which patients and whether there was crossover in the treatment being received during follow up.

 

Investigators’ attempts to correct methodological issues with statistical strategies lapses into voodoo statistics.

 

The primary outcome self-report variables are susceptible to manipulation, investigator preferences for particular treatments, peer pressure, and confounding with mental health variables.

 

The Pace investigators exploited ambiguities in the design and execution of their trial with self-congratulatory, confirmatory bias"

 

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I will move this to the e-petition forum

 

I suspect you will need more in the thread title to encourage viewers, though


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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Did not know there was an epetition forum. Its not just a petition to sign though, its is an NHS debate also for informing folk who are interested. How has the NHS allowed this to begin with and then go on for so long?

 

 

It is bad science, destroying thousands of patients lives with warped media messages, inhumane ignorant Doctors, trickling down to situations where patients have no support even from their families.

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If it is a discussion/debate thread, then it would need to be moved to the Bear Garden. The Main forums are for people requiring help for their problems.


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

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3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

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2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

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5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I suspect you will need more in the thread title to encourage viewers, though

 

Like me, I haven't a clue what this is all about, even a snippit to wet my interest might help.

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Presumably you mean by reading the title @Conniff

You understand the info in the links provided?

 

 

Or does this need clarifying too, I am wondering?

 

 

@citizenB

 

 

Please try a heading title then of: Getting rid of fraudulent trials in the NHS - Please sign and share

 

 

If that all this isn't juicy enough- I don't know what is!

 

 

This is a big scandal.

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Patients created a little fun song a while back about PACE trial flaws and a youtube series, it really is excellent.

 

 

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Presumably you mean by reading the title @Conniff

You understand the info in the links provided?

 

I mean that it should be a bit more meaty, make people curious and want to go take a look and then once you have them there, they will sign the petition.

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Clear, everyone who posts a link to a petition believes it to be important. I have no doubt yours is equally so. However, just from reading the title it didn't encourage me have a look.

 

Even reading the content of the links, TBH, I was none the wiser. Finally, I did get it.. I will amend your thread title as per post # 10


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Ah, yes I think I understand what you mean. @Conniff @citizenB

 

 

Will work on that :-) Thanks

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:thumb:

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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And thumbs from me too.

 

Just think of that bin in the supermarket with the bright flash saying 50p off, you might not buy or even want what is in the bin, but you can bet your life you will go have a look.

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Nearly at 10,000 signed petition now. Please continue to sign and share.

 

 

http://www.virology.ws/2015/11/09/trial-by-error-continued-why-has-the-pace-studys-sister-trial-been-disappeared-and-forgotten/

 

 

Basically because of a mountain of fraud, ME patients, who have a serious neurological/immune disease process have been denied biological research funding. Instead, the psych depts. have been hoovering up all the money and spinning the results. We then see a mountain of 'positive thinking and exercise' cures ME amongst medics and in the media and from families.

 

 

CBT/GET (cognitive behavioural therapy - specifically designed to get you to ignore and override your bodily symptoms because they were classed as 'false illness beliefs') and (Graded Exercise therapy) - However the problem is not deconditioning, lack of motivation or negative thinking - it is a physical one.

 

 

Therefore the NHS has been sending patients, in need of physical testing and treatments such as anti-virals instead for psychological therapies such as CBT/GET where some have been seriously harmed. And yet the PACE trial had null result, which proves it does not work for ME patients.

 

 

This peverse thinking is in the blood of the NHS and leads to abuse from G.Ps, benefits agencies etc. and can be seen in the above link on the FINE trial, Nurse:

 

 

"the bastards don't want to get better"

 

"At times, nurses themselves responded to these difficult interactions with bouts of anger directed at the participants, according to a supervisor.

“Their frustration has reached the point where they sort of boiled over,” said the supervisor. “There is sort of feeling that the patient should be grateful and follow your advice, and in actual fact, what happens is the patient is quite resistant and there is this thing like you know, ‘The bastards don’t want to get better.’”

Edited by citizenB

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Petition been signed by more than 10,000 people now! Great, big thanks to everyone for signing, please continue to sign and share, to get this PACE trial independently reviewed.

 

 

What happens to the parents of children who fall ill with ME?

 

 

They can get accused of child abuse when their child fails to recover or gets worse from CBT/GET

 

 

(Cognitive Behavioural Therapy - specifically tailored to get you to ignore your symptoms as they are considered 'False Illness beliefs' - how disgusting is that!)and GET (Graded Exercise Therapy - designed on the false and unscientific theory that patients are simply deconditioned. Scientific evidence shows that upon exertion, patients of those with M.E. have a flare up of all of their neurological symptoms and they loose energy. This flare up can be delayed post exertion by 24 to 48 hrs and can last for days, weeks or even months. Exercise does not make one fitter and gain energy with this disease).

 

 

 

 

http://www.bing.com/search?q=tymestrust.org%2Fpdfs%2Ffalseallegations.pdf+%E2%80%A6&form=IE11TR&src=IE11TR&pc=LCJB

 

tymestrust.org/pdfs/falseallegations.pdf …

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http://www.investinme.org/IIME-Newslet-1511-01.htm

 

 

"The PACE Trial has been shown to be flawed and a colossal waste of scarce public funding which could have gone to biomedical research into ME which, by now, may well have been leading to a breakthrough in treating this disease."

Taxpayers money, £5 million went into this trial. Those who wanted to view the data were denied. When people put in FOI requests, the researchers classed this as 'Vexatious'... and used it as a reason to deny them. Publicly funded trials should be 100% transparent.

 

 

All NHS patients/contributors have a right to be angry at how their money has been wasted.

 

 

 

 

 

 

 

 

 

 

 

 

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James Coyne PhD gives a talk 16th November, The Loft Bar in Edinburgh 7-9pm on the Flawed PACE study

 

 

https://www.dropbox.com/s/x2gwwwcps2lz945/Edin%20J%20Coyne%202015%2011%2016%20v2.pdf?dl=0

 

 

Here are the details if anyone wishes to go.... :-)

 

 

I would love to go. It should also be available online, afterwards.

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http://voicesfromtheshadowsfilm.co.uk/

 

 

I have not watched this yet but it offers more understanding of the devastating effect Graded Exercise Therapy programmes can do. GET of course supported by fraudulent science.

 

 

 

 

 

 

Please sign and share the petition...

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Run PACE Run...

 

 

James Coyne PhD has come to town

Live twitter feed from 7pm tonight #PubPACE

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