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    • I'm not sure that the person I spoke to at SLC was correct regarding the last deferment being 2011. I can see further payments.   I think I can see payments following on from that - I continued to pay what I thought was SLC company until 2015.   This I now think was Honours SLC, not SLC or Erudio.  Now I understand my 1st 1998 loan was transferred to Honours yet the other three were with SLC.    I know 100% I negotiated a deal with a DCA  to clear loan outstanding.     I've been searching old documents today, contacted Honours Student Loans to find proof of the payment to close the loan.     Someone from Link Financial called me back straightaway,  - so I'm now really worried I've opened a whole new can of worms.   They were really pushy for my info... I did not give them anything although now worryingly they have my number. Can they even try and go back on this...?    The only payment I can see to ever to Erudio was end of March 2014, under ESL limited.. which was taken without my knowledge using SLC  DD details.    I remember thinking it was a scam - so contacted my bank but I had noticed it after the payment had gone out.   I think by the time I had seen it the Bank  couldn't reverse it but all further payments were stopped, and I remember the bank even being really confused and saying it should not have happened.    I must have made contact with Erudio at this point - but there is nothing on their account files. There are notes - saying "surpress DAF request."     Erudio ( accoording to their own SAR)   sent a  Notice of Assignment had been sent the previous Autumn to my old address, which I never saw or received.    I'm looking at my address history and I was really conscientious with informing SLC - there is even a note 2 days after we moved house in 2013 and also when I changed my name to get married.   I'm adamant the Notice of Assignment was either not sent or sent to an old property, I also can't see why I would have made contact with SLC a few days after we bought a new house in 2013 - if it was not to inform them I had moved?       
    • Oh, and as it’s a pre-1985 agreement do they still have to provide a true copy of the CCA? It seems they are trying to use Regulation 9 of the CNC Regulations (which I haven’t heard of!) as a “get out of jail free” card.
    • Just to add a question – Also this you are paying your pay-as-you-go Sim card fees – correct?
    • Hello All   I am part PAYE and part self employed   my accountant has vanished and i think has immigrated but I only found out 2 weks ago.   Im stuck and cant find an accountant ebcasue they are all busy   So having to turn to you guys for advice   My income pre expenses from self employement is £56000       I bought a mac laptop for £1400   I paid my daughter who is 17 , £4900   I have  to have an indemnity. I forgot to mention to my accountant last year about my indemnity , so we did not enter ~£2700 on last years return of 2018-2019. Can I enter them onto the return from 2019- 2020?   Overall the total of my expenses is ~ 18000 ( fuel/travel/subsistence/stationary , daughter wages  ..etc)   Questions please   1. Can I claim the laptop as expenses. All of it? or part of it?   2. Is ~4900 to my 17 yr old daughter reasonable. She helped me on weekends etc as she studying for her A levels etc ?   3. Can I enter the indeminty figure that was missed on last years return ?   4. are expneses totalling ~18000 reasonable if my self employed figure before expenses is ~56000?   Would appreciate if someone with good knowledge can specifically reply to each point   Most grateful   panicking so much. called like 10 accountancy firms and all say we cant promise to get things done by deadline, so it seems I have to do everything myself this year online. they stared talking about forms 64-8 which I was totally clueless about     Please please Begging for advice      Thanyouxxxx              
    • Johnsons pooulist pratlers saying fishermen got the grate Brexit deal ... UK Fishermen docking and selling their catches in Denmark now aren't they
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

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Err not quite. Here's the actual (unedited) quote by Lord James of Blackheath as recorded in Hansard:     https://hansard.parliament.uk/lords/2019-09-06/debates/0C259B8B-7232-4228-BB0

No commented for a while, but I'm not sure I agree with this.  Most people vote either blue or green and the vast majority have never ventured outside of this narrow political spectrum.  There are dec

About time both sides stopped using Jo Cox as a weapon, this constant bickering with her memory must be absolute hell for her family. They deserve to be allowed to remember her and move on as best the

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There is no timescale to activate it. Should and if its activated you then have 2 years to complete it (Unless you get an agreement from the other 27 Countries to extend it)

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How come there was never a date set to activate it, maybe they never will :)

 
 

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Boris Johnson is apparently looking to get shot of Cameron quickly and to trigger article 50 before Brexit is stopped. Apparently consent of Scottish Parliament is needed before UK can exit the EU. This is required under the Scotland Act.

 

http://www.smh.com.au/world/can-brexit-be-overturned-what-brits-are-asking-each-other-20160625-gprz3u.html

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Leading 'out' campaigner Boris Johnson says the margin by which the UK voted to leave the European Union was "not entirely overwhelming"

 

This was on Sky. Me thinks Boris is looking for a way out and a second referendum

 

Cameron and Boris have been partners from the start in my opinion

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Why do we need the permission of Scotland, we voted as the UK and to which Scotland is part of. The result of the referendum is to leave the EU and the will of the majority must be respected..

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Leading 'out' campaigner Boris Johnson says the margin by which the UK voted to leave the European Union was "not entirely overwhelming"

 

This was on Sky. Me thinks Boris is looking for a way out and a second referendum

 

Cameron and Boris have been partners from the start in my opinion

 

Boris sounds like a hypocrite now..

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Why do we need the permission of Scotland, we voted as the UK and to which Scotland is part of. The result of the referendum is to leave the EU and the will of the majority must be respected..

 

Because of fhe complicated legal relationship between four separate countries in a union. The UK is not really one country, but a union of countries. For example Scotland has a different legal system to England and Wales. Northern Ireland also has different ways of doing things.

 

Under the Scotland act, before the UK parliament could change such a fundamental thing as Scotlands membership of the EU, the consent of the Scottish parliament would be needed. It is whether the Scottish parliament are willing to frustrate the whole of the UK and cause a major constituitional crisis between countries. If i were the SNP, i would use this as a way to negotiate a better deal for Scotland.

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Article 50 explained

 

http://www.bbc.co.uk/newsbeat/article/36634702/article-50-the-simplest-explanation-youll-find

 

Experts say it will probably take the UK 10 years to leave the EU !

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just Bye Bye that is it, get on with life. all this pussy footing we must do this that & the other, and the big money job for the Boys taking over to attend a stupid meeting which produces the same end product without a meeting which cost 100,000s or more! ahhhhhhh

:mad2::-x:jaw::sad:
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I doubt will ever will now, as pointed out Cameron has handed the poison chalice of pushing the nuclear button of applying for section 50 to the next leader, Boris clearly had doubts about it and there are serious legal issues such as parliament has to agree to leave and as Heseltine pointed out, the majority do not want to, mp Lam has expressed concerns, Boris and gove have suggested "discussions", leaving also adds Scottish and Irish complications.

 

Even many leavers now agree that the while thing is an absolute mess, it is also beginning to tear apart both the Tory and labour parties.

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just Bye Bye that is it, get on with life. all this pussy footing we must do this that & the other, and the big money job for the Boys taking over to attend a stupid meeting which produces the same end product without a meeting which cost 100,000s or more! ahhhhhhh

 

Divorce is never easy and Brexit will be a complete nightmare costing a fortune. The cost to the UK will be tens of billions.

 

As long as people don't mind seeing a cut in pensions and withdrawal of others benefits they receive. That could well happen, if the economy does go into recession as predicted. The other silly thing is that more people from the EU will come to the UK before any exit date and that will mean more pressure on public services. 17 million people voted to be in a worse position, but if sovereignty is important to them, then they may see it as a price worth paying.

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Anyone got any views on this article.

As the dust settles on the EU referendum battleground, some 33 million voters await with bated breath to see what the victors will do now that the nation has spoken to leave.

 

Political commentators forecast a dark future for the UK: Jeremy Corbyn has just sacked Hilary Benn to head off a coup, and Boris Johnson could be prime minister come November.

 

David Cameron’s decision to resign before enacting Article 50 of the Lisbon Treaty, which sets out how a country could leave the EU, may have much bigger implications for Conservative hopefuls eyeing up the Prime Minister's seat than they bargained for.

 

While panic ensues, one person’s musings in the comments section of the Guardian has an interesting hypothesis on these complications:

 

The comment, which was picked up on Twitter, has been shared thousands of times.

 

If true, that is some parting gift.

 

http://indy100.independent.co.uk/article/people-are-really-really-hoping-this-theory-about-david-cameron-and-brexit-is-true--bJhqBql0VZ

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Because of fhe complicated legal relationship between four separate countries in a union. The UK is not really one country, but a union of countries. For example Scotland has a different legal system to England and Wales. Northern Ireland also has different ways of doing things.

 

Under the Scotland act, before the UK parliament could change such a fundamental thing as Scotlands membership of the EU, the consent of the Scottish parliament would be needed. It is whether the Scottish parliament are willing to frustrate the whole of the UK and cause a major constituitional crisis between countries. If i were the SNP, i would use this as a way to negotiate a better deal for Scotland.

 

its called , i want more power and unless you give it too me we wont help you , personally all the scots ive spoken to cant stand her

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its called , i want more power and unless you give it too me we wont help you , personally all the scots ive spoken to cant stand her

 

SNP hold a very powerful position in Scotland and will use any legal position to benefit the Scottish people. Given that the pound is heading for parity with the Euro, changing to Euro after independence might not be as unattractive. I don't think a new Tory MP would stop a new indy ref.

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SNP hold a very powerful position in Scotland and will use any legal position to benefit the Scottish people. Given that the pound is heading for parity with the Euro, changing to Euro after independence might not be as unattractive. I don't think a new Tory MP would stop a new indy ref.

 

 

how ever the eu has already said scotland would be at the back of the que , also how are you going to survive without the blank check from the rest of the uk

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how ever the eu has already said scotland would be at the back of the que , also how are you going to survive without the blank check from the rest of the uk

 

I am not Scottish (or a Scottish resident) and don't think independence would be a good idea, unless they came up with an economic proposition that made sense.

 

However, Scotland is a net contributor to UK Treasury and even without oil/gas revenues could do well with the right economic plan as an independent country. Scotland is important to the UK strategically, paricularly Faslane nuclear submarine base. The only possible alternative other UK base is Portsmouth or Falmouth, both of which have issues which would be difficult to overcome. If you search online there are articles on this by experts and they make it sound like UK would not have a nuclear submarine base if Scotland became independent.

 

If Scotland has a legal right to stop Brexit, so they protect their interest, that is their entitlement. Some think that article 50 being started by a new PM, would stop Scotland preventing Brexit, but there are legal questions about this.

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Article 50 explained

 

http://www.bbc.co.uk/newsbeat/article/36634702/article-50-the-simplest-explanation-youll-find

 

Experts say it will probably take the UK 10 years to leave the EU !

 

And judging by this excellent article, there is no need to invoke Article 50. Very interesting indeed.

 

https://www.theguardian.com/commentisfree/2016/jun/27/stop-brexit-mp-vote-referendum-members-parliament-act-europe

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And judging by this excellent article, there is no need to invoke Article 50. Very interesting indeed.

 

https://www.theguardian.com/commentisfree/2016/jun/27/stop-brexit-mp-vote-referendum-members-parliament-act-europe

 

That is a good article.

 

I hope MP's block Brexit, but most MP's are saying that they are democrats so must accept how the UK has voted. Whether this is because of the current sensitive situation and they change their position later remains to be seen.

 

I am listening to a very good Australian talk radio show on ABC at the moment to gain an outside view. Very interesting and is covering things not being talked of here. For example, Ireland post Brexit will not be able to agree a direct trade deal with the UK, but would have to go through the EU. This means that if the trade deal is bad for Ireland, it could massively affect the Irish economy and there will be problems with the border with N.Ireland. For example, Irish Beef might be subject to tariffs on export to the UK, so it gets trucked up to N.Ireland to avoid the tariff.

 

When i look around i see a lot of French, Italian, German, Spannish owned companies based in the UK who will now be considering whether they will continue in the UK as they are at the moment. The same will be the case with Ford, Nissan, Toyota etc and as soon as people see the consequences of Brexit, they will get onto their MP's and there will be a change in mood.

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The idea that MPs might block brexix does not sit right with me and it shouldn't sit right with anyone. Any government that ignores the will of the people is seriously asking for trouble..

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The idea that MPs might block brexix does not sit right with me and it shouldn't sit right with anyone. Any government that ignores the will of the people is seriously asking for trouble..

 

You have obviously not read and understood the Guardian article linked to. It explains that this referendum is not binding in any way. If government wanted it to be binding, they could have put wording in the bill passed to say it would be implemented by government. But of course they can't do that because the UK does not have a written constituition. We elect 650 MP's to consider and vote on what the government put Forward.

 

Do you really expect government to proceed with Brexit even if the consequences are proving to be very bad for the economy and people ? For example if the currency falls to a very low level, Banks start getting into trouble, companies start cutting jobs etc.

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I am fully aware that it is not legally binding but it is morally and the government still uses the peoples money to do what they want. If the government wants to do its own thing and not act for the people by the people then I would urge the people to start withholding there taxes until such a time the government acts on the will of the people. Its either democracy or it is not. It can't be had both ways..

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Former Sun editor Kelvin MacKenzie now wishes he voted remain.

 

http://www.bbc.co.uk/programmes/p03zqwlc#play

 

A lot of people have changed their minds and it will be interesting what happens.

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