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    • In essence I am trying to win a loosing battle i take up the 33 % discount on offer me thinks
    • Whose duty?   you can use civil law to pursue the GDPR issue with the police (though, as I’ve stated: it may not do you any benefit).   The court isn’t bound by any duty under GDPR that the police may (or may not) have. I can only repeat, the duty of the magistrates regarding verdict is “is the offence proven beyond all reasonable doubt?”. They can’t, and won’t, be influenced by the GDPR issues at that stage, and you are misguided if you continue to believe that it will make a difference to their verdict.
    • the duty of the police
    • Hi Andy   The following is my WS2 in reply to their WS2, please do let me know if i need to mention/amend/add anything to it, the attachments are in my previous post #78.   Can i add my costs as this is the second hearing for it?   Also i don't know if this will help but i also have an old Capital One Credit Card which i don't use anymore, so how can i possibly have 2 Capital One Credit Cards as this claim is clearly for the Luma Credit Card....   SECOND SUPPLIMENTARY WITNESS STATEMENT OF ROLAND I, Roland, the Defendant in this case, will state as follows; I make this second Witness Statement as a supplementary to my first Witness Statement dated 22ndNovember 2019 Page 1-2 and Amended Defence dated 17thDecember 2019 page 3-4 in Exhibit xx1 in response to the claimant’s second witness statement dated 14thJanuary 2020.    THE DEFENDANT’S RESPONSE TO THE CLAIMANT’S WITNESS STATEMENT  1. The claimant failed to comply with my Section CPR 31.14 and Section 78 of the Credit Card Act 1974 request and their claim remained stayed for over one and half years. I can only assume as this was due to the claimant not having any of the requested documentation below and issuing a claim in hope of an undefended default judgment.     2. The stay was lifted by Deputy District Judge Mitchell 4thDecember 2019 and the Claimant’s application for summary judgment and/or strike out was dismissed.   3. My amended defence was filed and served 17thDecember 2019.    4. I received the Claimant’s Second Witness statement 21stJanuary 2020.   5. It is accepted as per my Amended Defence para 2 insofar that I have once held a contractual relationship with Capital One Bank (Europe) Plc for a LUMA Credit Card and not a Capital One Credit Card.    6. The Claimant’s point 23 in their second witness statement dated 14thJanuary 2020 refers to me providing supporting evidence that my application was for a LUMA Credit Card, and that their position that it is for a Capital One Credit Card. This is for the Claimant to prove it’s a Capital One Credit Card and not a Luma Credit Card, when this matter was heard by Deputy District Judge Mitchell 4thDecember 2019 he also questioned the Claimant’s advocate the same.   7. The Claimant’s point 24 refers to the Reconstituted Capital One Credit Card Agreement in their Exhibit JK1 pages 2-3, that a firm is able to reconstitute a copy of the agreement and that there is no obligation to provide a copy which includes a copy of the signature, then why has an electronic signature and date been applied…regarding the same question by Deputy District Judge Mitchell on the validity of the signature on this Reconstituted agreement to which the claimant’s advocate stated that it may have been an online application, which is not true as it was a signed postal Luma Card Application and not a Capital One Credit Card online application.    8. The Claimant’s point 25 states that they would say that the 16 digit account number in the top left hand corner on the Reconstituted Agreement is now not the account number but a ‘document number’ and that the Account number is on Page 9 of their Exhibit JK1, which is a blank page with my name and a 16 digit Account number on it. The Claimant is backtracking and clearly16 digits are Credit Card/Bank Card numbers.    9.  The Claimant’s reconstituted Agreement has failed to be a true reconstituted version and failed to provide any supporting document to confirm that this claim is for a Capital One Credit Card and not a Luma Credit Card.     10. The evidence provided by way of Exhibit JK1 is woefully deficient and invalid and not pursuant to the CCA 1974 request.  Until such time the claimant can comply and disclose a true executed copy of the agreement complete with terms and conditions from inception which they refer to within the particulars of this claim and witness statement they are not entitled while the default continues, to enforce the agreement pursuant to section 78.6 (a) of the Credit Consumer Act 1974.   11. For the reasons set out above I invite this court to strike out the claim and request my costs as litigant in person to be awarded.      Many thanks, Roland 
    • By severe penalty you mean ? criminal record is criminal record right ? isnt it still their duty comply with GDPR albeit Civil
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citizenB

Jeremy Hunt and A&E Targets

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Is it really a question of more funding required or better management of the funding the NHS already receives.

 

 

I believe when more funding is given - the top tier of administrators seems to increase, but the front line staff doesn't ?


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It is my belief that more and more people are using A&E as an out of hour GP service - or when they cannot get a GP appointment in good time - but where the issues are not 'emergencies'

 

I've heard that too, CB. Also that people call ambulances for reasons that are completely non-urgent and deprive seriously ill people of help.

 

HB


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It is my belief that more and more people are using A&E as an out of hour GP service - or when they cannot get a GP appointment in good time - but where the issues are not 'emergencies'

 

I've heard that too, CB. Also that people call ambulances for reasons that are completely non-urgent and deprive seriously ill people of help.

 

HB

 

 

Just recently there was a TV company that followed an ambulance crew for a documentary. It was gob smacking what some people called an ambulance for - someone was drunk and couldn't find a taxi - so dialled 999 instead !


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I think the 4 hour target was set taking into account all categories of patients that turn up at A&E. They would have discussed all the different issues they faced and how an A&E unit should function.

 

I can remember breaking my ankle along time ago (0ver 30 years ago) and waiting in A&E for about 3 hours. My ankle was broken and twisted, with a swelling the size of a small football. Because i was not bleeding and there was no bone exposed, then i was not a priority. While i was there, people with life threatening issues and/or losing blood were the priority. Eventually i was seen, taken to be x-rayed, then seen two consultants and operated on, returning home with massive plaster on in the evening. So probably i spent something like 8 hours in the hospital.

 

I have read that many A&E units have a filter system, where they have a GP or Nurse that deals with more minor issues, leaving only those people who need emergency treatments.

 

I can see the point in changing scope of 4 hour target, but it does move the goalposts. I get the feeling that the current government don't want measures that can be compared with previous governments or services in Scotland or Wales. They have changed or removed other target measures.


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Well now, I have just watched a BBC programme, Hospital. It will be on again next week, so watch it if you can.

 

 

We simply do NOT have enough beds - this week focussed on 3 patients - Trust site manager and top Consultants had to literally play god with one spare ICU bed. One patient being ambulanced from Norfolk with an aneurysm - 2 cancer patients waiting for operations. Whole teams of specialist surgeons waiting to see if any one can be moved from the ICU in order for them to be able to operate on their patients. One of the patients had to be sent home after waiting 6 hours. The surgeon and his team also wasted a whole day. Heart breaking.


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Uploading documents to CAG ** Instructions **

 

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Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Well now, I have just watched a BBC programme, Hospital. It will be on again next week, so watch it if you can.

 

 

We simply do NOT have enough beds - this week focussed on 3 patients - Trust site manager and top Consultants had to literally play god with one spare ICU bed. One patient being ambulanced from Norfolk with an aneurysm - 2 cancer patients waiting for operations. Whole teams of specialist surgeons waiting to see if any one can be moved from the ICU in order for them to be able to operate on their patients. One of the patients had to be sent home after waiting 6 hours. The surgeon and his team also wasted a whole day. Heart breaking.

 

Not being political, but go back say 6 year or longer and the NHS was seemingly in a better position. Yes they had problems in some Hospitals such as mid Staffordshire, but in such a big organisation you will always have problems.

 

I thought the whole idea of the reforms brought in by Andrew Lansley 'heath & social care act' was to help the NHS become more efficient and able to manage its resources. The Government have tried to make savings to reduce the rate of spending increases needed, but i wonder whether doing this at the same time as increasing number of patients is wise. I think i read that more than 30 NHS trusts have large deficits, so the extra money Government spends just goes to pay off debts in the system.


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A few days before Christmas after being checked by the paramedics I was rushed to the Royal Worcester hospital and put straight into a bed in A&E and attended to by a doctor within minutes. Once I was stabilised I was placed on a trolley and put in the corridor along with a number of other patients some of whom were intoxicated. I was checked on by a doctor on more than one occasion and then taken into a small room on my own where I was checked again.

Eventually after a couple of hours I was sent on my home mainly because I did not want to stay over night at the hospital. I have nothing except praise for the way the doctors and nurses treated me and the Royal Worcester s supposed to be the hub of all the issues!

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