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    • CCA is not re-setting the date it is a right?   no CRA showing how can they report a non existent account which is not showing, pay them and if it was then it would just show partially settled and still be there killing your score for 6 years letters may this/that and the other are just threatograms used by the office junkie, Cabot know this,  sit on your hands and stop seeing what is not there"!  Statute Barred is Final end of sure Dx  will respond as well
    • I booked a one way flight online for my wife and I with Ryanair in December '19 for a flight from Spain to UK in August '20. The flight confirmation showed that the cost of the flight was €145.68 and that my card had been debited £133.01.  I don't recall being given the option of choosing to pay in euros or GBP but it is possible that I was.   On 5/2/20 they contacted me to advise that "Due to the non-delivery of the Boeing Max aircraft this summer, please be advised that there has been a significant time change to your Ryanair booking". It was in fact much more than a significant change in that it was a cancellation of a flight on that day from that airport which had been tailored to fit our preceding travel plans so I just asked for a refund, as I could not find a suitable alternative with Ryanair.   The refund was processed and Ryanair sent me an email stating, "We confirm that your refund request has been processed back to the form of payment used to pay for your booking. Your issuing bank will take 5-7 working days to process this refund amount back to your account. The amount refunded to your credit/debit card is GBP 133.01"  When I checked my bank account I saw that they had refunded me €145.68 which when exchanged left me £119.58 leaving me £13.43 out of pocket.  On contacting Ryanair they said it was my bank's fault and not theirs as they refunded the full amount paid.  My bank advised that Ryanair debited my account originally in GBP therefore they should have refunded this amount in GBP.   I made an official complaint to Ryanair which they have rejected stating that I was in breach of their General Conditions of Carriage by not selecting the correct payment option.  I feel that because they did a currency conversion on payment and debited my account in GBP that they should have refunded the GBP amount that they took.   I also wonder how many others has this happened to and I smell a large rat. Could anyone offer any views on this, and/or if I have any comeback and where I could take it please?
    • So I received a further letter and a phone call from Ruthbridge yesterday offering a 70% discount and through a lot of waffle go on to say verbatim (I hung up the phone without admitting who I am):   "If you fail to contact us... we may return the account to our client (cabot?) who may look at alternative activity"   I'm guessing they know it's SB then as there is no reference to court, however they do state that the credit reference agencies will be updated to reflect "partially settled" should I take advantage of their offer - there is no HSBC/Cabot/Ruthbridge account showing on any of my credit reports.   DX apologies if you take it as I am being difficult or dim, however I remain concerned that the CCA request does not contain the words "I do not acknowledge any debt" or similar and because only a debtor can apply for the CCA (as I'm led to believe) then sending for this in 2015 has reset the date of acknowledgement of the debt - has this ever been used by a DCA as an acknowledgement of the debt?   Furthermore with the 2015 letters and 2020 letter having completely different amounts allegedly owed and reference numbers that differ from the original letters from Cabot and the CCA supplied back in 2016 this is giving me a further level of concern over the best course of action.
    • Hi everyone   Just want to say hello as a new member. Looking forward to reading, learning and hopefully participating in the forum.   C
    • Hi. Yes I want to keep the vehicle. I shall get my head around the upload procedure.   Thank you   Cheers
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9 minutes ago, cjcregg said:

 As a nation we're going to first have to decided whether that is acceptable or not and that alone will be difficult enough to resolve. And that's just one product.

 

Not anymore now that the right have manipulated voters into voting for a conservative dictatorship.

 

All of what you've said is just another worrying aspect of what the future holds 

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2 hours ago, Maharg1 said:

If an Aspirin cost a penny from the US and two pennies from the EU only a fool would buy the EU tablet.

 

and if and Aspirin cost a penny from the EU and two pennies from the US ...

 

 

So @Maharg1

 

tell us one single actual defined benefit from brexit to you personally ?

A real defined, costed one, not some ideological wishful fantasy ...

 

If you would rather insist its 'taking back control' - justify that in relation to WTO rules, USA rules, etc etc and and specifically define the trade deals of course

But still define some real world benefit in your pocket benefit ..

 

 

Its been costed by the bank of England that Brexit has cost 880M a week to the economy so far for starters, far more than the total 'cost' of EU membership over the period, let alone actual cost of market access.

 

 

Perhaps also tell us ANY great deals you Brexiters have which are better than or even equivalent to the great world wide EU deals we have while you are at it.

We know about the sub standard bananas which could be labelled as 'premium' after exit, and some fish (err importing fish - what happened to UK fishermen?)

What else - something significant ...

 

 

Go for it .......

 


I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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"tell us one single actual defined benefit from brexit to you personally ?

A real defined, costed one, not some ideological wishful fantasy"

 

It annoys people like you who can't see further than the end of their nose.

 

 


Life is so much better and happier as an Optimist than a boring depressed Pessimist

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4 hours ago, Maharg1 said:

Which is what I said.  If the EU plonks 50% tarif on the Uk, we do the same to them so they have more to lose than we do.

But surely it’s relative. There are far more people in the EU so trade per head is different


Any opinion I give is from personal experience .

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2 minutes ago, Maharg1 said:

"tell us one single actual defined benefit from brexit to you personally ?

A real defined, costed one, not some ideological wishful fantasy"

 

It annoys people like you who can't see further than the end of their nose.

 

 

 

But can you answer the question, Marharg?


Illegitimi non carborundum

 

 

 

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"But can you answer the question, Marharg?"

 

No just as nobody can.  as it says in  tobyjugg2 signature

Quote OPINIONS unquote

 

Every single so called prediction is just guesswork and like the rest of us you will have to wait and see.

 

 

Edited by Maharg1

Life is so much better and happier as an Optimist than a boring depressed Pessimist

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I am so looking forward to the riches of freedom. :)


Life is so much better and happier as an Optimist than a boring depressed Pessimist

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2 minutes ago, Maharg1 said:

I am so looking forward to the riches of freedom. :)

 

So name some then

 

as already asked

 

 

don't like the bank of Englands figures ...

https://www.scmp.com/news/world/europe/article/2152153/money-uk-has-lost-brexit-vote-exceeds-eu-budget-payments-study

Edited by tobyjugg2

I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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Maharg, perhaps you could help us to understand which type of Brexit Boris Johnson is going for please?


Illegitimi non carborundum

 

 

 

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What a silly question - he hasn't announced anything to the press or his party so how the hell am I supposed to know.


Life is so much better and happier as an Optimist than a boring depressed Pessimist

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So are you saying that you voted Tory [assuming you did] without knowing what kind of Brexit there would be?


Illegitimi non carborundum

 

 

 

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There is only one kind of Brexit and that is out.

 

I knew all I needed, that we would be free to make our own laws and not have some foreigner overriding what

our courts say.

I knew that we would be free to make all the trading contracts we wanted and not be told who we could trade

with by Germany.

 

 

Edited by Maharg1

Life is so much better and happier as an Optimist than a boring depressed Pessimist

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31 minutes ago, Maharg1 said:

we would be free to make our own laws and not have some foreigner overriding whatour courts say.

 

But isn't that what American born Alexander Boris de Pfeffel Johnson is planning to do - override the courts and make his executive above the law?

 

 

33 minutes ago, Maharg1 said:

 

I knew that we would be free to make all the trading contracts we wanted

 

 

So hows that going then?

Name some...


I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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So he should, An Elected Government runs this country not some biased judge

Edited by Maharg1

Life is so much better and happier as an Optimist than a boring depressed Pessimist

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So you believe that a temporary PM should be above and beyond the laws of the land?

Have you any knowledge of henry 8th - you know - the dictatorial laws they want to impose?

 

and Still waiting for you to define some of these deals you mention as a driving force..


I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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No, an ELECTED pm, elected by the country.

 

I didn't know Henry the 8th, I'm not that old

Edited by Maharg1

Life is so much better and happier as an Optimist than a boring depressed Pessimist

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but if that PM is not bound by laws, they just change them at will

 

Look up Henry 8th

 

 


I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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and Still waiting for you to define some of these deals you mention as a driving force..


I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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I don't answer to you, your posts show that you already know everything, or think you do.

Edited by Maharg1

Life is so much better and happier as an Optimist than a boring depressed Pessimist

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So if anything I say is false,  challenge it with simple facts

as i do yours

 

.. if you have any that is ...

Edited by tobyjugg2

I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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I don't want to challenge what you say, i don't care what you say.

All I will say is Brexit here we come now all you remoaners can get on with your life.

 

No, they are a secret between me and Boris

Edited by Maharg1

Life is so much better and happier as an Optimist than a boring depressed Pessimist

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@Maharg1

So you think Johnson (or Corbyn if he had been elected) should do what they want without any interference with the courts and UK law - effectively absolute dictators.

 

Have no real definition of why you support Brexit other than some long proven false right wing soundbites,

 

and think brexit is great for international trade deals despite not knowing of or about any (another dis-proven right wing soundbite)

 

?

 

So nothing but wind and 'second hand' water really?

 

 

 

 

Edited by tobyjugg2

I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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Yea, whatever.  Throwing insults won't get you anywhere,


Life is so much better and happier as an Optimist than a boring depressed Pessimist

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3 hours ago, Maharg1 said:

I am so looking forward to the riches of freedom. :)

 

so name some real ones then

 

A real easy start should be those trade deals you recently mentioned as being a driver

 


I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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