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    • The 'test, test, test' call from WHO specifically applies to just ''suspected cases'' and those who recently had contact with confirmed cases. WHO isn't calling for speculative testing.   I assume Prof Tobyjug is referring to a PCR test but as testing the entire nation for anything is a fantasy it doesn't matter much.
    • The Three-Body Problem https://www.amazon.co.uk/Three-Body-Problem-Cixin-Liu-ebook/dp/B00S8FCJCQ/ref=sr_1_1?crid=3C1EMC34CA27V&dchild=1&keywords=3+body+problem&qid=1586240421&sprefix=3+bo%2Caps%2C229&sr=8-1      
    • I don’t see some users posts, but since they’ve been quoted .........   I agree (in parts) with 2 contributors postings.   WHO says “test, test, test”, so more tests ARE key. That is part agreeing with one contributor.   I also agree with cjcregg. One has to understand the limitations of a test : (sensitivity, specificity and its positive and negative predictive values - which involves sensitivity / specificity AND prevalence!).   One also has to understand which test, to apply those limitations. a) RNA NAAT? (Commonly called PCR, though PCR is a tradename, so ‘PCR’ is to ‘NAAT’ like ‘Hoover’ is to ‘vacuum cleaner’) b) Antigen testing? c) Antibody testing? (If so, IgM? IgG? Both??)   Knowing which test(s), their limitations, and thus what the result actually MEANS is more important than a blanket statement of “test everyone!”, (and repeatedly ??! ) .... especially as it allows prioritisation of who gets what test to maximise benefit, until “testing for all” is more than a pipe-dream .....   Would you repeat a positive IgG test? If so, in what circumstances??
    • Just out of interest, how long did it take you to formulate this conclusion? I'm not looking for a particularly accurate answer, just round it up to the nearest nano second.    How is this going to work then?   Where are the medical personnel and laboratory staff required to undertake this massive project going to come from? Now this is just a stab in the dark but I'd imagine they'd be quite busy at the moment.   Even South Korea, who are recognised as having one of the most aggressive testing policies have only managed to test 1% of their population. You clearly have no conception as to the scale of what you're proposing.   Even if it was possible to plan, organise and execute it would take years to achieve, by which time all the data would have been redundant and completely meaningless. I was tested last week and it took 2 days for the result, which by the time I received it was already out of date as I was then and now just as likely to be infected as I was when I took the test.   Think about it.    
    • I'm sure that the entire nation is reassured and lost in gratitude to you for this heart-warming confirmation.   Do keep us updated.
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The PPI mis-selling scandal has dogged the banking world for a long time now, and bothered everyone with a variety of spam messages and mithering claims companies.

 

Now, it looks like we might have another mis-selling scandal, thanks to the insurance world.

 

The FCA think that insurance agents have potentially mis-sold policies to consumers, as well as falsifying documents, faking signatures, and sold products to people that will never, ever pay out.

 

The Financial Conduct Authority has been looking into all this, and said that their study of 15 insurance firms and the agents found widespread examples of poor practice.

 

They've also found companies that have failed to discipline an agent after they'd spotted their mis-selling deeds, and their falsification of customer documentation.

 

Other discoveries showed agents selling travel insurance to people with medical conditions, which aren't covered by the policy they ended up with.

 

As such, the FCA have given the insurance world a chance to sort themselves out, and ordered 'Section 166 reviews' on two companies, which means tha they'll have to pay for an independent firm to come in and review the way they do things.

 

Another two companies have been told to stop all sales activities. Sadly the FCA haven't named anyone in all this.

 

"General insurance is a large and important sector and we are concerned about the potential for customer detriment arising from the lack of oversight of appointed representatives," Jonathan Davidson, FCA director of supervision, said in a statement.

 

"All principal firms need to consider these findings and look again at their practices."

 

We wouldn't be surprised if there's compensation coming the way of people who have been mis-sold, in yet another headache for the UK's financial sector.

 

 

http://www.bitterwallet.com/insurance/fca-find-mis-selling-in-insurance-92730

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I'm currently trying to find out whether insurance firms who automatically renew without authorisation can force the customer to pay a fee when they try to cancel the policy. Did the customer aquiesce to the renewal by remaining silent? TB

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I'm currently trying to find out whether insurance firms who automatically renew without authorisation can force the customer to pay a fee when they try to cancel the policy. Did the customer aquiesce to the renewal by remaining silent? TB

 

Just seen this.

 

When you buy Insurance you should be told all important information. This should include auto renewal if the payment method you select can be used for auto renewal. Now because most arrange online, this information will be contained in documents which might be viewable in a link if clicked on, before confirming payment to buy the Insurance. If you don't read it online, you would have to read the policy documents when they arrive in the post. Most people don't read their documents. They will scan read the letter to see if they need to do anything, check the certificate of Insurance and then put the documents somewhere safe.

 

Auto renewal is often a part of the Insurance contract. It is not a compulsory element and if you want Insurers to switch off this feature you can ask them to do this. If you don't bother to do this, accept the contract as written and then don't bother to read the renewal, the policy may be auto renewed. If the Insurers then have to cancel because you have taken out Insurance elsewhere then of course a cancellation admin fee can be charged, if it is part of the contract. If you never received any renewal documents, then you have a strong argument for Insurers to waive any admin fees.

 

In regard to the FCA miss-selling, where serious breaches have been found, i always find it disappointing that the FCA does not name the companies. I can understand why they don't, as it might put them out of business and be ruinous for investors, but if a company have had previous warnings, i don't understand why consumers should be left in the dark.


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Auto renewal is often a part of the Insurance contract. It is not a compulsory element and if you want Insurers to switch off this feature you can ask them to do this.

It is the default setting whether you renew online or by phone. We shouldn't have to insist it's 'switched off' we should be given a clear choice to take it up if we wish. I renew by phone, pay the full premium up front and have to be quite forceful every year in making it clear that they do not have continuous authority.

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