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    • Thanks, I'll wait and see what they say then give that a go👍
    • cant see any harm in using your banks interweb portal to make direct payments no. just find out their sort/AC number and use your HML ref number as the description line or call and ask them for the details  
    • Hello, am new here and it seems a helpful forum. I am hoping you can help me.   I have tried to search the forum, but cannot find a previous topic like mine.   Basically, I have today received an NHS Penalty notice through the post relating to a prescription item from my doctor.   To cut a long story short, I get one item every month from my doctor, on repeat prescription. I am exempted from paying for this item and have been so for a lot of years. However, after going to the doctors last month, she added another (new) item for something else to my monthly repeat prescription.   So, when I went to collect it from Boots, I explained I had to pay for the new item added onto my prescription and then signed the back for the normal (exempted) item. All I got was a till receipt for the paid for item, which I later binned and thought nothing more about it.   However today, I have received a penalty charge notice relating to this new item (which I did pay for).   How do I go about disputing this penalty notice, as I no longer have the receipt.     Many thanks.
    • Thank you ever so much DX.  "My account is now on hold" whilst they get a copy of my lease apparently, I'm also going to dig out my copy after what you've said.   To the best of my knowledge I don't have a CCJ - I even got placed as a Temp in a insurance company when this started, which would have required financial checks to be passed.   They have tried to justify why I should pay up in three months but my only option is to use a credit card - and I'm sooo reluctant to do that whilst now unemployed.   Part of their latest correspondence had this line which I'm confused by (my home has no mortgage - which I presume what they are trying to get at?) Alternatively, you can complete and return a signed admission form so we can approach your lender for payment. Please advise if you wish us to send you an admission form.   DX - please can I ask if I want to make a token payment direct to HML can I pay into their bank. I can't write cheques anyway and don't imagine PDC will take my card details for anything less then the £550 a month.   (my debit card hasn't that value and not likely to for some time whilst I get myself together and back in employment - but I'm concerned they could try for it and take me into an unauthorised overdraft situation)    Thanks for your help massively.    
    • Sorry for my inability on this, but I thought there was case law already re breaching (but not infringing) GDPR, to the tune of £750?
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    • Future Comms is a Big Con. How to get out of it. Read more at https://www.consumeractiongroup.co.uk/topic/417058-future-comms-is-a-big-con-how-to-get-out-of-it/
        • Like
      • 4 replies
    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 5 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies

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Now the UK has decided to leave the EU, what is the time scale to activate article 50 of the Lisbon treaty ?..

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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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I think it should be activated sooner rather then later to avoid uncertainty..

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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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I think now, what is needed is stability and as much as I believe article 50 is activated at some stage, it is not something that has to happen for a few months..

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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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