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    • Lowell has written to me concerning this debt on the 23rd of Jan 2020. letter states: We have noted the contents of your letter and we understand that you have no knowledge of this account. We are able to offer the following information regarding the account. • Agreement start date: 19/06/2014 • Application address: Flat 4, 3 Kempsford Gardens • Tariff Description: Phone BB Hardware • Disconnect Reason: Cessation by BT • Original Creditor: BT Retail Consumer • Mobile Number:02078351401 ( this is a landline ) • Client last payment date: 16/12/2014 • Client last payment value: 86.16 this is not £499.00 • Default date: 27/08/2015, this doesn't square with last pay date. • Airtime Debt Value:257.94 • Early Terminate Fee:241.99, can they charge this? • Billing Date:27/03/15 LOW105_230120 497503_ MACHINE \ 116\247 \ lof2 \ Airtime Debt is for the services used and the Early Termination Fee is calculated to reflect the remaining months of your contract which remain unpaid from the date of your account closure. We have requested from BT PLC a copy of the statements for the account to help clarify this matter for you. We will write to you further once we have received this documentation and in the meantime your account is on hold.   I obtain the SAR. it is attached: this is all they hold. 1. Can you explain the implications of the response  and the SAR as far as Lowell being able to collect the debt?   2. I responded to Lowell with this letter: Lowell Financial Ltd. 4875 Dear Sir: I write to you in response to your letter of 23 January 2020. Insofar that a relationship may have existed between myself and BT I cannot recall this account (Agreement) and request that you supply me with a copy of the Account/Agreement and other documents listed in the bullet points of your response. I  deny any breach  of the purported agreement. You have failed to supply me with a copy of the agreement requested . I have never received any evidence that you are the legal owner of the debt, by assignment, sale and purchase agreement or otherwise. I have never received and am unaware of any legal notice of assignment or Notice of Assignment pursuant to Law and property Act 1925 Section 136(1). This document is not referenced in your response. I deny that I have failed  to maintain the required payments to BT. It is denied that I have failed to respond to demands for payment sent by you and/or its agents. Lowell is put to strict proof that any such demands have been sent to me by you. a). Lowell appears to  admit it is the assignee of a debt, it is denied that the Lowell has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act 1925.  b). It is further denied any funds are due Lowell  because the Lowell appears to have sold this debt to another firm in 2019.  Lowell must therefore show how it has legal right, either under statue or equity to collect this sum from me. I  deny owing any money to Lowell  and you are required to produce evidence to support your claims that this sum is in default, due and owning this includes: a. Show how the I  entered into an Agreement. b. Show how I  have reached the amount claimed for. c. Show that I  failed to maintain the required payments and the service was terminated as claimed. d. Show that the statute of limitations on this alleged debt has not passed. 7. As per Civil Procedure Rule 16.5(4) it is expected that Lowell must  prove the allegations that the money is owed; having been provided with written requests for information under CPR 31.14 and to date have failed to provide any such documentation as detailed in its response letter.  8. Notwithstanding the above should the alleged amount claimed include an early termination charge(s) amounting to the entire balance of the remaining contract. OFCOM guidance states that any Early Termination Charge that is made up of the entire balance if the remaining contract is unlikely to be fair as it fails to consider the fact that the provider no longer has to provide and pay for their service.  You state that the balance due includes £241.99. You must remove this from any collection efforts, and I dispute that this and all other balances are owed by me. 9. Show that I was residing at Flat 4 3 Kempsford Gardens on the alleged defaulted date of 27/08/2015 or any other date after 16/12/2014.  Alternatively remove any debt you allege is owed  because back billing and billing for unused services is not allowed. 10. Please explain Lowell reporting to the credit bureaus that the debt outstanding to BT is £674. The account number concerning 3 Kempsford Gardens Flat 4 which I hold is another account number which is BT xx7 start date is 15/07.2013. 11. The account number you claim is owed to you is an original account number BT xxx 07. You claim the start date on this account is 19/06/2014. Please explain the discrepancy between these two accounts including ownership of both accounts, and why there are two accounts you allege for the same address with different dates. Alternatively, if you have no explanation: You must cease and desist from collection activity including reporting to the credit bureaus, pre claim letters and any other forms of collection activity with immediate effect. Please write to me confirming that you will take no further action. Failing this I will file a counterclaim and ask the court for costs. Kind Regards      I received the email below last night: "I can see that we also hold the following account details for you:   Account Number Original Client Original Client Reference Current Balance XXX192 Orange xxx321 £285.91 XXX875 BT PLC xxx207 £499.93   I can see that the above BT PLC account is currently on hold, as we are requesting information from BT PLC directly.   1. how long does BT have to respond? the date of Lowell letter was 23rd of Jan. 2. if BT doesn't respond within that time frame, what can I do to get the account removed from the Credit reports? . 3. how can I get Lowell to stop collection if BT doesn't respond? what is also interesting is I have a letter from Lowell for the orange account and also a BT account, but the balance is £199.11 and the account number ends in 192. There are too many account numbers with different balances for the same address. any suggestions how I address this with Lowell?   Lowell writes:   "The period for recovering your Orange account by court action has expired. We will not be issuing court proceedings to enforce payment. However, your debt still exists and legally we are within our rights to continue to ask you for repayment. With this being said, this account does not look to have a payment arrangement set up as of yet. How would you like to proceed with this account going forward? If you can let us know then we can look to assist you further".   If the time has expired to collect a debt from orange, how do they have a right to collect? seems the SOL runs for both. how should I respond?   In the meantime, I have placed your Vodafone and Orange accounts on hold for the next 30 days to give you time to get back to us.   Can you give me some suggestions on how I unravel this and respond? Thank you.  SAR_BT.pdf
    • Hello and welcome to CAG.   Could you tell us what your contract says about overtime please? It will help us to advise you.   HB
    • Hi there,   I've been on a on call rota for some years now which as been a 1 in 3 weeks and been paid a weekly allowance for this service and overtime paid extra should I be called out. My employer now wants to change this to a 1 in 4 weeks which now leaves me out of pocket just for the on call payments a year.   Do I have an argument that i am effectively been force to take a pay cut and that i should be compensaited accordingly ?   thanks in advance for any advise.   Fred.      
    • hi again     the original supplier was AO but was out of warranty with them so hotpoint took it up.    the oven was replaced around January time, with us notifying them we was not happy fairly shortly after delivery.  hotpoint said the exact same model, which was delivered HUD61PS - but is only the same on model number. (Which I think is naughty as they changed a major function)       
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Did someone already post up the quote that Brexit has already cost more than we paid the EU in the last 47 years? I'm not sure who it came from.


Illegitimi non carborundum

 

 

 

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Just a page back HB

 

 

 

As Bloomberg Economics reports

Brexit cost for UK will soar to $260 billion this year: study

"The UK's December election brought new certainty around Brexit's completion, but the event will grow most expensive in 2020, according to new research from Bloomberg Economics.

The study by UK economist Dan Hanson found Brexit has already cost the nation roughly 130 billion pounds ($170 billion), and estimates Prime Minister Boris Johnson's expedited exit from the EU will add another 70 billion pounds ($91 billion) by the end of 2020."

 

https://markets.businessinsider.com/news/stocks/brexit-cost-reach-billions-highest-boris-johnson-uk-economic-study-2020-1-1028809389

 

 

Boris' new Bus:

 

 

1310358786_brexitcost.jpg.e803a80e89ebf40ed7fc1655195586db.jpg

 

 

 

 

 

 

 

 

Edited by tobyjugg2
  • Like 1

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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Problem is that Bloomberg Economics are experts. To a hard core, rabid brexiteer any thing that they say must be wrong.


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They would rather believe the ludicrous dodgy research of the ERGs Shanker Singham, commonly referrerd to as 'Ol Snake Oil, rather than Bloomberg.


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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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It’s so polarised right now people just believe what they want to believe.


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Common sense and a proper look at what's what in reality has gone down the pan.


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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Theres the Bloomberg report, Standard and Poors analysis, The bank of Englands Report

.. not one of which estimates the cost at less than the 180-250M a week it roughly costs depending on whats included.

The higher realistic end is just short of 900M a week from the bank of England.

The 250m a week estimates come from the ERG's estimates before they shut up when those estimates were trounced. as demonstrably  ridiculously low

 

That Bloomberg amount is pretty middle of the road, and is roughly what I've been seeing as only disputable by extreme zealots - it could be FAR more.

 

 

So putting that in perspective, if there is no further damage to the economy, and no further loss/reduction in business/growth, and adding in a small amount of interest on that loss (money has to come from somewhere and we are already further in debt than we have ever been)

- it will be in the order of 50 odd years before we even break even .....

 

Of course, Rees-Moggs entirely unsupported middle finger in the air estimates of about 2050 when we will see some benefits would effectively require a MASSIVE boost to the UK;s 'profitability'

- although no-one seems to be able to define any sources for that profitability other than perhaps connecting the climate destroying hot air coming out of Rees-Moggs gob directly to a wind and steam power station.

 

 

 

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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Shankar Singham is providing the info for the Beadle's hot air


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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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I thought it was just a hot air pump to turbo the wind and stream ...

Not seen any actual info,

think I did see some empty sound bites like '20% growth from worldwide trade bigger than the EU and all the benefits of the EU (thats not going to happen)

 

.. and hows those trade deals going?

 

We aren't even rolling over the ones we've got

:-/

 


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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The big issue with trade deals is that the other parties are more interested in how trading with the UK will impact their far more important trade with the EU

... and they wont risk the EU trade.

 

... and thats NOT that the EU are playing that, its simply that EU regs require standards and it seems certain that the UK will not meet those standards and other parties want to see what extra checks/costs will be involved before they agree/what they agree with the far smaller UK.


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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clarification

want to see what extra checks/costs for their EU trade will be involved before they agree/what they agree with the far smaller UK.


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 read earlier, don't ask me where, that the EU is preparing to give us a worse deal than Japan or Canada because we're on their doorstep.

 

And if we allow the US to dictate our food standards, that trade with the EU is really going to suffer.


Illegitimi non carborundum

 

 

 

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25 minutes ago, honeybee13 said:

I read earlier, don't ask me where, that the EU is preparing to give us a worse deal than Japan or Canada because we're on their doorstep.

 

And if we allow the US to dictate our food standards, that trade with the EU is really going to suffer.

 

I think that second point is the real issue HB

 

The US trade deal priorities from the US side include not identifying where food comes from to avoid any 'discrimination' against US goods, ... not only based on growth hormone, anti-biotic and bleach content

... of course the EU requires origin and details

 

We could easily end up with a worse deal than Turkey - worse wto terms too, as Turkey already has add-on deals to their WTO trading

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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Lets give an example

 

The US wants no labelling to prevent discrimination - key negotiation goal (its in the leaked papers)

 

Three potential ways:

Just nothing on US goods

Nothing on any goods

Only goods destined to certain parties (EU, Canada for example) labelled

 

 

Smart chap decides to grow organic bananas in an under developed region.

 

Discovered he can get paid for moving human faeces from a shanty town, especially given the cholera and aids outbreaks, and that his banana trees thrive on it - they love all the moisture too ... although they are a little on the small and bent side

 

Signs a deal with a US import/export company based in Panama to ship the bananas simply labelled as 'organic grown bananas', who routes the ship through a US port

- note the stripping down of US FDA powers and funding under trump - not that they would be bothered - they aren't entering the US.

 

They are then shipped to the UK from the US with no origin, sold by the US arm of the import/export business

 

 

 

 

 

 

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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You're making me feel queasy, TJ. 🤢


Illegitimi non carborundum

 

 

 

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Its what origin and eu bar codes and quality are all about. Knowing what you are buying.

 

No method is foolproof (the horsemeat scandal)

but no labelling/labelling not worth the paper its written on - means you have no idea what you are getting.

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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and try getting detail from a US company

... make getting a dangerous driver who killed someone seem easy ...

 

There would be no tracing it like was successfully done in the EU

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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Some might say thats an extreme example?

Well

As the goods would not actually be entering the US, the US FDA would not be interested even if their reducing remit allowed it,

... but EVEN if they did

Totally Disgusting Things the FDA Allows In Your Food

Insect Eggs and Maggots

Canned mushrooms are a good place to find maggots.
If there are "over 20 or more maggots of any size per 100 grams of drained mushrooms" or "five or more maggots two millimeters or longer per 100 grams," the FDA will pay attention. Otherwise, eat up.

 

Mold and Rot

What says wholesome goodness like apple pie, apple sauce and apple butter?
But apples get moldy, and the FDA will have something to say to the producer if the "average of mold count is 12 percent or more."
 

Rodent Hair

Is there mouse fur in your peanut butter? Insect parts? Could be.

The FDA says peanut butter can have no more than an average of one rodent hair per 100 grams.

 

Cigarette Butts

The FDA says food products can contain a certain amount of "foreign matter," a term that includes cigarette butts for that special smoky flavor.

 

Animal Faeces

What could smell more heavenly than cinnamon bark, bay leaves and cocoa beans?
The fact that the FDA allows a smidge of "mammalian excreta" to end up in the mix doesn't seem to affect the aroma at all. Does it?
Don't worry - the bananas were at the other end of the tree

 

Fruit Flies and Their Maggots

Fruit flies love tomato sauce so much they lay their eggs in it. But the FDA has its limits, allowing no more than 15 or more fruit fly eggs and one or more maggots per 100 grams of sauce.

 

Thrips

Thrips are slender, winged insects, also known as thunderflies and thunderblights. Among their favorite foods are asparagus and the hops used to make beer. If too many thrips show up on asparagus - 40 or more per 100 grams - the FDA may take action. Otherwise, enjoy.
 

Parasites

The FDA says it's okay for fish to contain parasitic cysts like this one. In the case of fresh water herring, the limit is 60 parasitic cysts per 100 fish.
 

Insect Faeces

Bugs love spices. They feed on spices, poop in spices - and even leave their body parts behind after they die. The FDA allows up to 325 insect fragments per 10 grams of ground thyme, Including cockroach faeces

.

 

https://www.cbsnews.com/news/11-totally-disgusting-things-the-fda-allows-in-your-food/

 

 

but of course, if it aint entering the US of A, its not their problem to hold them to those high standards ....

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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How the hell do they even regulate against those sort of numbers, or am I just being naive... It's not like anyone will sit there counting the food in and confirming the number of allowed deformities 😕

 

Or are these FDA regulations there so that they can spend absolutely nothing on any meaningful standards and regulations ...

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yes ....


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 back to HS2

(40 or so) Tory MPs urge PM to deliver 'long overdue' HS2 in joint letter

despite costs apparently spiralling to £106bn, arguing it will be a “key engine for growth that we must not waver from”.

 

What growth would that be?

 

 

“Abandoning the project would leave the north reliant on aged Victorian infrastructure,” the MPs warn in the letter

 

Seems to me that apart from SOME of the bits hs2 will run through, everywhere else will not only be left on the 'aged Victorian infrastructure', HS2 will have stolen the money and more that would be far better spent of the infrastructure of the region, rather than small select bits of it.

 

 

How about spending far less than the seven billion plus pounds already spent on it putting network infrastructure backbone between the points enabling fast reliable  green clean efficient cost effective electronic communication between those points,

and even just the rest of the original 56 billion on upgrading/renovating/repairing the transport infrastructure for local movement of people and goods?

 

 

 

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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The Guardian had an article about that the other day, that all or nearly all the infrastructure projects lead to London or the south east. I've never understood the point of HS2.

  • Like 1

Illegitimi non carborundum

 

 

 

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Now this is what you call an infrastructure project

- But of course its not directly benefiting loondon is it?

 

>530GWh

Reliable net power output every year, for 120 years

 

Swansea Bay Tidal Lagoon will be the world’s first tidal lagoon power plant.

A tidal lagoon is a ‘U’ shaped breakwater, built out from the coast which has a bank of hydro turbines in it. Water fills up and empties the man-made lagoon as the tides rise and fall. We generate electricity on both the incoming and outgoing tides, four times a day, every day.

 

Due to the incredible tides on the West Coast of Britain, by keeping the turbine gates shut for just three hours, there is already a 4m height difference in water between the inside and the outside of the lagoon. Power is then generated as the water rushes through 60m long draft tubes, rotating the 7.2m diameter hydro turbines.

 

The project was awarded a Development Consent Order in 2015 and is primed for construction. It will comprise 16 hydro turbines, a 9.5km breakwater wall, generating electricity for 155,000 homes for the next 120 years. Its major delivery partners include Atkins, General Electric, Andritz Hydro, Laing O’Rourke and Alun Griffiths Ltd.

 

 

http://www.tidallagoonpower.com/projects/swansea-bay/key-statistics/

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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and if you have to dig holes in the ground

 

https://www.edengeothermal.com/about/project-programme/

 

1450200144_Screenshot-2020-1-22TheprojectEdenGeothermal.thumb.png.43eada52f2364eb119389b7b8613f82e.png

 

 

 

Fabulous place. Been there a few times.

 

 

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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HS2 was part of an EU designed link going back to the days of Jaques Delors  An article from 2012 in the Torygraph by the late Christopher Booker is worth a read.

 

https://www.telegraph.co.uk/comment/columnists/christopherbooker/9015342/The-continent-is-the-final-destination-for-HS2.html

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We could do with some help from you.

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Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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