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    • March 23: As the coronavirus crisis escalates, the UK is placed into lockdown with strict limitations on travel. The Government guidelines state: “You should not be visiting family members who do not live in your home.” The prime minister tells the UK public they "must stay at home". People are warned not to meet friends or family members they do not live with. Those with symptoms had already been told to self-isolate     Friday 27 March: Downing Street On the day Cummings ran out of No 10, his wife, Mary Wakefield, appears to have been already ill, according to her Spectator article about the experience, in which she says: “My husband did rush home to look after me.”   Both Boris Johnson and Health Secretary Matt Hancock test positive for coronavirus, while chief medical officer Chris Whitty says he has symptoms of the disease and is self-isolating.   Mr Cummings said: "I suddenly got a call from my wife who was looking after our four-year-old child. She told me she suddenly felt badly ill." He went home and after a couple of hours his wife felt better and he returned to work. "There were many critical things at work and she asked me to return [to work] in the afternoon and I did." He then "drove up to Durham that night arriving at roughly midnight" with his family.     In spectator articles on 24th and 25th April * Wakefield (wife) wrote in the spectator that Cummings said “I feel weird” and collapsed 24 hours after he came home to look after her * She went on to explain that for the next 10 days “Dom couldn’t get out of bed. Day in, day out for ten days he lay doggo with a high fever and spasms that made the muscles lump and twitch in his legs.” * Cummings wrote that “at the end of March and for the first two weeks of April I was ill, so we were both shut in together.” * The following days, by Wakefield’s account, were a mixture of family idyll and health nightmare, as she made a “palace out of polystyrene packaging” with their son … even as Cummings’s breathing got so bad that she feared he should be in hospital. But 10 days after her husband first fell ill, she said, he began to feel better – just as Boris Johnson went into hospital. That would place the improvement in his condition around Sunday 5 April,     Sat March 28th Is apparently the day Cummings said “I feel weird” and collapsed 24 hours after he came home to look after her His wife went on to explain that for the next 10 days “Dom couldn’t get out of bed. Day in, day out for ten days he lay doggo with a high fever and spasms that made the muscles lump and twitch in his legs.” Cummings wrote that “at the end of March and for the first two weeks of April I was ill, so we were both shut in together.” 10 days from March 28th – would take us to the 7th April.   Mon March 30: Downing Street confirms Mr Cummings is suffering from coronavirus symptoms and is self-isolating.   Tuesday 31 March/1st April: Durham The police have said that on 31 March they were “made aware of reports” of Cummings’s presence in the area and had then contacted the family to “reiterate the appropriate advice around essential travel”.   2 April: During the night, Mr Cummings' four-year-old son "threw up and had a bad fever". Following medical advice, an ambulance took the child to hospital. He was accompanied by Mr Cummings' wife   3 April: Mr Cummings' son spent the night in hospital and woke up the next day having "recovered". He was tested for coronavirus and his mother, who was with him at the hospital, was told "they should return home". According to Mr Cummings, there were no taxis so he "drove to the hospital, picked him up and returned home". He said he "did not leave the car or have any contact with anybody on this short trip".   Sunday 5 April: The ‘Abba’ sighting (despite claims of ten days where he couldn’t get up with a high fever) Cummings alledgedly seen in Garden with AbbA blaring But 10 days after her husband first fell ill, she said, he began to feel better – just as Boris Johnson went into hospital. Which would place the improvement in his condition around Sunday 5 April, … Although the claimed 10 days after the 28th – the earliest point at which Cummings was said to have been symptomatic – would be the 7 April. The Guardian approaches Downing Street about the story, only to be told by a spokesman: “It will be a no comment on that one.” Mr Cummings said "after I started to recover, one day in the second week, I tried to walk outside the house". He confirmed he, his wife and his son went for a walk into woods owned by his father and it was at this point he was seen by passers-by but his family "had no interaction with them". The exact date is not clear but his second week isolating in Durham would have between 4-11th   6 April: At some point in the week leading up to this date, Mr Cummings discussed his decision to travel to Durham with the prime minister. "When we were both sick and in bed," he said, "I mentioned to him what I had done. Unsurprisingly given the condition we were in, neither of us remember the conversation in any detail."   Fri April 10: Number 10 is again contacted for comment regarding Mr Cumming’s trip by the Guardian. Instead of defending the journey, officials declined to comment.   Fri 10th/Sat 11th April: The 14-day period of Cummings’s isolation would have expired on 10/11th April, assuming it is counted from when Wakefield appears to have first fallen ill on 27 March or when Cummings fell ill 24 hours later.   11 April: Believing he had recovered by this date, albeit "feeling weak and exhausted", Mr Cummings said he "sought expert medical advice". "I explained our family's symptoms and all the timings and asked if it was safe to return to work on Monday or Tuesday, seek childcare and so on. I was told that it was safe and I could return to work"   Sunday 12 April: Barnard Castle Wakefield’s birthday, according to Companies House records – they allegedly made a trip to Barnard Castle, a charming town 30 miles from the Cummings’s family property, described on the English Heritage website as having “fantastic views” and “plenty to do for families on a day out”. That detail emerged in an interview with Robin Lees, a retired chemistry teacher who lives in the town. Lees, who says he has a photographic memory, told the Guardian he was “a bit gobsmacked” to see Cummings, and then was so incensed that he made a note of the family car’s numberplate and checked it online when he got home. Cummings acknowledges he drove to Barnard Castle, 30 miles from his parents' home in Durham, with his wife and child. He explained this episode as needing to test his driving was fine before making the long drive back to London. He said he'd been having problems with his vision   Tuesday 14 April: London The Guardian asked Wakefield to confirm whether the family had been in London throughout the lockdown period, but received no reply. Cummings was photographed back in Downing Street on 14 April   Sunday 19 April: ‘bluebell’ woods - Cummings and Wakefield in Houghall woods? Could Cummings have then gone back to the north-east from London? Downing Street is emphatic that he did not. The denial came after another witness claimed to the Guardian and Sunday Mirror that they had seen Cummings and Wakefield on a country walk in Houghall Woods, a beauty spot near his parents’ property in Durham. According to this account, Cummings said: “Aren’t the bluebells lovely?” Cummings says he did not return to Durham   Monday 20 April Cummings seen in London again   May 23: Downing Street statement: “Owing to his wife being infected with suspected coronavirus and the high likelihood that he would himself become unwell, it was essential for Dominic Cummings to ensure his young child could be properly cared for.” The statement said: “At no stage was he or his family spoken to by the police about this matter, as is being reported. “His actions were in line with coronavirus guidelines. Mr Cummings believes he behaved reasonably and legally.” Speaking outside his home, Mr Cummings reiterated: “I behaved reasonably and legally”. When a reporter suggested to him that his actions did not look good, he replied: “Who cares about good looks? “It’s a question of doing the right thing. It’s not about what you guys think.” Later at the daily Downing Street briefing, Transport Secretary Grant Shapps said Mr Cummings had the PM’s “full support” and that Mr Johnson “knew that he was unwell and that he was in lockdown”. Mr Shapps said it had always been permissible for families to travel to be closer to their relatives as long as they “go to that location and stay in that location”. Meanwhile, deputy chief medical officer for England, Dr Jenny Harries, said that travelling during lockdown was permissible if “there was an extreme risk to life”, with a “safeguarding clause” attached to all advice to prevent vulnerable people being stuck at home with no support.   Health Secretary Matt Hancock and Chancellor of the Exchequer Rishi Sunak have tweeted their support for Mr Cummings.   Education Secretary Gavin Williamson said on Monday morning that Mr Cummings had "set out absolutely clearly and absolutely categorically he didn't break the rules and didn't break the law". The attorney general, Suella Braverman, tweet on Saturday in which she quoted the full text of the No 10 statement on Boris Johnson’s chief aide in which the prime minister said he had behaved “responsibly and legally”.   (Disgraceful) Boris Johnson said at the weekend Cummings acted “responsibly and legally and with integrity”   “The PM’s risible defence of Cummings is an insult to all those who have made such sacrifices to ensure the safety of others,” said Johne Inge, the bishop of Worcester, on Twitter.   “What planet are they on?” asked a front page headline in the Daily Mail, an influential right-wing paper usually supportive of Johnson.   https://descrier.co.uk/politics/dominic-cummings-and-wife-tried-to-cover-up-lockdown-breach-in-articles-for-the-spectator/   https://www.theguardian.com/politics/2020/may/24/dominic-cummings-timeline-what-we-know-about-his-movements   https://www.eveningexpress.co.uk/news/uk/timeline-the-coronavirus-lockdown-and-dominic-cummings-trip-to-durham/   https://www.bbc.co.uk/news/uk-politics-52784290   https://www.theguardian.com/politics/2020/may/25/attorney-general-faces-calls-to-resign-defends-dominic-cummings-suella-braverman   https://uk.reuters.com/article/uk-health-coronavirus-britain-cummings/what-planet-are-they-on-no-respite-for-johnson-and-aide-idUKKBN2310UE   https://cyprus-mail.com/2020/05/25/what-plant-are-they-on-press-slams-johnson-and-cummings/
    • simply tell them on the phone writing only sorry as I might want to escalate this to the fos or court. sorry but no speaky..speaky   you night find this interesting?   https://www.theguardian.com/money/2012/jun/09/life-insurance-misselling-aviva-hamilton-life   dx
    • I've had a few missed calls and then text from RBS wanting to talk about the letter I sent, two posts up.    Am I best to wait for them to write? Didn't really want to get into a discussion with them about it ideally!
    • I haven’t even looked.  I doubt some PR bod would have been in the loop.
    • Gove will be rubbing his little hands together in glee. He been quite careful in his limited wording in 'supporting demonic. but he poo'd his own pot a bit with that priority preferential test   No confidence vote (in PM not party).
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trixie27

Getting off prepay meters - perfect credit score required?

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I moved into a new rental property 5 weeks ago. When I moved in I realised it was a pre-pay meter. I hadn't had one before and immediately called to ask to change to a DD account. I was told I would have to wait a month then have a credit check and then if approved move off. I called today to start that process and whilst I was on the phone the customer service rep performed an Experian credit check and told me I failed and I could not apply again for another 60 days.

I logged onto Experian to see my report which is a 989 score out of a possible 999 - an almost perfect excellent rating. It shows a 989 because a couple of months ago I took out a small loan out but I am paying that off as I should and I hope to clear it early in a few months. The only other thing I can think of is it had not updated my electoral register information despite my council telling me on the phone today I am definitely on their list and they have said Experian should update their records this week.

So I called British Gas again to enquire further why I had failed their check and they refuse to tell me....well in fact I was told they themselves do not know because she said it was all down to algorithms. Yes computer says no.

So, can anyone let me know if British Gas demand a 999 scoring for Experian?

And why the :-x do I have to wait 60 days if all it is my electoral registration data had not updated as quickly as it should have? I mean...is that even legal that they force us wait so long? It seems to me just a flimsy excuse to extract more money out of me because of a previous tenant's failure to pay on time.

Agh....

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Having a pre-payment metre is not only due to a previous tenants bad debt. Some people ask or prefer a payment metre so they get no monthly bills

 

I have an excellent credit rating now but prefer to be on a payment metre myself. It is wrong to stereotype people who have a pre-payment metre as people who are unable to budget properly

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the landlord told me the previous tenant was unable to pay her bills and they had a warrant to put the meters in.

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And to quote ofgem this year "Moving from a standard variable PPM tariff to the cheapest fixed direct debit (DD) tariff could result in savings of as much as £300 per year". I really would like to move off pre-pay.

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The landlord will have to agree to change the metre. I doubt he will as the bills are then never his responsibility with Pre-pay

 

I have a pre-pay metere as stated and being single, disabled and being home all day have never used more than £10.00 a week in top ups

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The landlord has agreed to let me change the meter.

 

I was interested in knowing if a perfect credit score is essential to move off pre-pay. And if it is legal that BG can force someone to wait 60 days before reapplying - especially if the only concern was Experian hadn't updated the fact I am on the electoral roll quick enough.

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It is up to the supplier if they wish to change the metre. You have no automatic right to demand it. They can set whatever terms and conditions they like. If a subscriber does not agree to those t&c then they are free to find another supplier

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I wasn't demanding anything though I will try to move supplier, but my question was do British Gas require an absolutely perfect credit score before they move you off pre-pay?

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Even if you have a AAA credit rating of 100% they still do not have to agree to change your metre if they do not wish to

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Ever so slightly amazed that advise on a consumer forum consists of "they [the supplier] can set whatever terms and conditions they like. If a subscriber does not agree to those t&c then they are free to find another supplier". That advise to everyone who posts a query on this forum would be rather odd; you are basically saying companies can do whatever they want and if you don't like it, tough. I am not sure why this forum exists if that is the advise.

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It is legal what they're doing, and similar to credit cards and other financial products, each supplier will have their own criteria.

 

I think you've got a couple of options - either find a supplier who will change them, wait the 60 days or if no supplier can guarantee to change them find a supplier who does smart prepayment meters, whih then gives you a choice of all of their tariffs

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ok I accept it is legal but even USwitch.com says this about prepay meters....

Disadvantages of prepayment meters include:

 

 

  • above average costs for your gas and electricity;
  • the best energy deals on the market aren't available to prepayment meter customers;
  • they can be inconvenient because you have to go out to 'top up' keys and smartcards;
  • if you can't reach a shop to top up your meter your energy can be switched off;
  • older meters need to have their prices updated manually after price rises or falls, which can take months. This means you could be left paying old rates and owing a lump sum or paying too much.

Not ideal and if I had known the property had a meter like this in I would have not moved here.

 

In the meantime I wonder if anyone else has experience of trying to move away from a meter and if so how they did it?

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When i worked in servicing, eon's policy for tenants was that they'd have needed the account for a year, pass a credit check and pay £50 per meter fee. If I remember rightly if the property had lots of changes of tenant or the meter was fitted for debt recovery we didn't look favourably on that... Obviously I don't know what BG's policy is... Maybe a security deposit would persuade them?

 

I wonder whether it might be worth you writing a letter of complaint and state the reason's you've quoted from USwitch an send a copy of the front page of your credit file with your excellent score?

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I lived in my previous house for nearly 5 years and had no problems paying my energy supplier. It doesn't seem right I am financially penalised by a supplier for a previous tenant's position. I have written an online complaint to BG so I will see what they say when they reply but in the meantime I have also seen advice from another forum which has let me know EDF only require you to be a customer for 28 days before becoming eligible to move off pre-pay so I may try there too.

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Good idea. It is very frustrating. Hopefully with the rollout of smart meters it should eventually be possible for them to switch the meter between credit and pre-pay which would make things a lot better for customers

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I wouldnt expect BG to be anywhere near the cheapest option, i would look for a supplier who is willing to change you over to a dd plan for dual fuel. As you have already been on USwitch, there should be other suppliers available.

 

Just one point for you to consider when applying for any type of credit, a perfect or near perfect credit score does not automatically entitle you to credit, your credit score is usually only 1 of a number of factors taken into consideration when credit is requested.


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I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

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It would help if they were actually transparent about why they have failed my credit check though as it is not apparent on my near perfect Experian record. "Oh we have failed you but we can't tell you why and we won't tell you what the criteria are" is ridiculous and obstructive.

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If all of these big businesses were transparent then cag probably wouldnt exist and you would have no need for help!


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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Surely that's the aim of this forum though? Campaigning for better treatment for consumers and transparency as part of that?

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It is indeed and we do the best we can, bear in mind when people come here for help they represent a very small percentage of the total number of people with issues to resolve.

For example, lets say 250 came to cag last month with a parking charge issue and we helped them.

Thats a tiny fraction of the hundreds of thousands of parking charge notices issued.

We are limited in resources and all the helpers here are volunteers and give there time freely to help others.

Multiply this by the number of and variety of issues we deal with here and you start to see the full picture, our effect helps the few who come here and we cannot change industries and the bad practices that go on, but we sure as hell try.


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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