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    • Just as the title says, if ever there was a good reason to ditch Micro$oft and move to Linux then this is it :-   Giving Windows total recall is a privacy minefield • The Register WWW.THEREGISTER.COM It's only a preview, and maybe it should stay there ... forever Help is available, most modern PC's can run a version of Linux suitable for your needs and it is not difficult to use or learn. Ubuntu is popular, new version is very modern Garuda Linux is the one I use, based on Arch, rolling release, bang up to date. I have friends and acquaintances, old and young, PC Literate and not. Most people who try it never go back to Windows Hamster
    • I've had to hide two of your posts.  Anyone clicking on your links gets sent to external sites.  On top of that your real name is showing on one screenshot.  Fellow Site Team member dx100uk has already politely asked - Anyway, jk2054 wants to see the communication you got from your local court which will have told you about the hearing date of 17 June, and will have mentioned a deadline for filing your Witness Statement.
    • I believe it is helpful to seek guidance from a range of places and decide on the validity of the sources and frequency of responses which are most helpful. A single voice can be a dangerous thing. As, of course, can groupthink. Scott, it feels like £4k on a solicitor for a £1.5k bill is overkill. Were we back in time I'd suggest small claims court as your claim sounds like it may be straightforward? By all means add that phrase on. I also suggest you contact the court and go and sit in on a couple of similar cases to get a better understanding before you shell out.
    • a card should be 16 digits...urm... note your dates above please. do not miss them no matter what happens  ......................... pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’. Choose ‘Create sign in details’ to register for the first time. You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID. You should make a note of your memorable word, or password as these are not included in the email.  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .. get a CCA Request running to the claimant . https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . .use our other CPR letter if the claim is for an OD or Telecom Debt or Util debt]  https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ on BOTH type your name ONLY Do Not sign anything .do not ever use or give an email . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............  
    • Which Court have you received the claim from ? Northamton, civil national business centre Name of the Claimant ? PRA Group Uk Portfolios ltd. How many defendant's  joint or self ? self Date of issue –  21 May 24 date of AOS - 07-06-2024 date for filing defence by - 21-06-2024 Particulars of Claim 1. The claimant claims the sum of £5600 for an outstanding debt owed. 2. On Mar 2000 the Defendant entered into an agreement with Barclays Bank Uk PLC for a credit card under reference ( 11 digit ref ). 3. on Mar 21 the defendant defaulted on the agreement  with an outstanding balance of £5600. 4. On Aug 21 the debt £5600 was assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on Dec 23. 5. Notices of assignment were sent to the defendant in accordance with S136 Law of Property act 1925. 6. The claimant has instructed PRA Group (UK) Limited to act on its behalf in the recovery of the outstanding debt and to pursue litigation on its behalf. AND THE CLAIMANT CLAIMS 1. The sum of £5600 What is the total value of the claim? £6100  Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No - just emails threatening action   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes   Did you inform the claimant of your change of address? no Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? credit card   When did you enter into the original agreement before or after April 2007 ? before - in 2000   Do you recall how you entered into the agreement...On line /In branch/By post ? I don't recall - I suspect post / online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? am awaiting access - but I suspect it is    Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. assigned - debt purchaser has issued the claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Pretty certain - Yes   Did you receive a Default Notice from the original creditor? pretty certain - Yes   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? there's been gaps - they went very quiet  Why did you cease payments? Covid lockdowns  What was the date of your last payment? i thought it was 2020 - they say 2021 Was there a dispute with the original creditor that remains unresolved? no Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? no
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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You might have seen the images of remote island beaches covered in plastic waste


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The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

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Interesting thread i will follow.

Some know the old owl spends much of my time patrolling local beaches.

When you see plastic on the beach or bobbing about in the water when not part of the natural environment it makes you sad.

As i collect things that have washed up on beaches i see many strange things.Plastic, shoes, never a pair makes you wonder what happened to the person wearing them.

 

Plastic containers, tracking them they had come from 500 miles away.I use them for storage.

Small minute pieces of plastic that has melted somehow before getting in the sea. All colours of the rainbow, all shapes and sizes attractive to fish.

Taking some off the beach to make a plastic design to show what trouble the ocean is in.Not got round to it as usual, yet.

 

Plastic bags never realised how deep in the ocean they go till a Whale died and its stomach and intestines were full of them.Hundreds and hundreds of them.

Deep down in the ocean, it is dark and the Whales must mistake them for prey.Squid perhaps things like that.

No use going on there are so many things turning up if it is plastic it is on the shoreline.

 

By 2050 there will be more plastic in the sea by weight than fish if it carries on.

Oh well i have photos as the thread goes on i will find them put the odd one here.

 

Groups that clean the beaches link here a never ending job as next tide throws up more.

What would it look like without these groups?Link

Soon find a beach if you live near the coast.

Love My Beach.Many links leading off.And what you can possibly avoid doing.

http://lovemybeach.org/what-can-i-do/

 

Eating plastic is no fun but many of us do without realising it.

From sea to plate: how plastic got into our fish

Eight million tonnes of waste plastic ends up in the sea each year.

Fish eat it - and then we do. How bad is it for us?

https://www.theguardian.com/environment/gallery/2017/jun/27/ocean-plastic-pollution-scotland-in-pictures

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Just noticed i had only put my region on so if you live near the coast nationwide links.

Regions and SAS Reps

Looking to get more involved in your region?

Well with over 125 Regional Reps across the UK there is sure to be something!

 

Please use the interactive map below to find out what is going on near you. Meet your nearest Regional Rep and locate your closest Beach Clean Box; get the details for upcoming beach cleans and fundraising events and learn how you can become part of the fight for Plastic Free Coastlines.

https://www.sas.org.uk/regions-reps/

 

And i know the volunteers do not seek any reward but you never know what things may lead to.

The Red Arrows flew along the beach locally recently to acknowledge their work on their way to a display.

 

Here is my local group you soon get the idea what is going on nationwide.

Things will hopefully build soon across the world, it has to. Only got one huge ocean,we need it.

And really once everyone is aware wherever they live small changes will make a big difference.

https://www.visitcleveleys.co.uk/community/about-local-groups/rossall-beach-group.php

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So why do the environment agency not pay say fisherman a fee to collect waste around UK shores. Given how difficult the fishing industry has been, an extra paid task of environmental protection of UK waters might be a good way of keeping our fishing industry alive financially and those doing this extra work have direct interest in cleaning up UK waters.

We could do with some help from you.

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Any ideas about cleaning the sea of plastic or rubbish are good.

So much is in the sea now worldwide it would take decades i would think.

Suppose it comes down to money.

Just found this, seems fishermen are pretty active around the UK collecting rubbish.Videos continue after first one.

'Fishing for litter' project is launched to clean up the seas-2015 i will try to find the latest news.

 

Fishermen sailing around the east coast of Britain are being encouraged to collect rubbish from the sea and bring it ashore, in a project to help the environment.

http://www.bbc.co.uk/news/av/uk-32950147/fishing-for-litter-project-is-launched-to-clean-up-the-seas

 

Mining for sea plastic - a new resource

 

11 April 2013-Bit dated i will when have a little more time find upto date articles.

Industry, the fishing communities, governments and NGOs can work together to tackle waterborne waste, particularly plastic.

https://www.foe.co.uk/news/mining_for_plastic_sea_39789

 

For those that like a good read.

It is estimated that a total of 15-51 trillion microplastic particles

have accumulated in the ocean, with between 80,000 and 219,000 tonnes of microplastics

entering the sea from Europe per year.

House of Commons

Environmental Audit Committee

Environmental impact of microplastics

https://www.publications.parliament.uk/pa/cm201617/cmselect/cmenvaud/179/179.pdf

 

Clearly a worldwide problem.

Rio’s water cleanup barely works and it’s crimping impoverished fishermen

https://www.pri.org/stories/2017-02-09/rio-s-water-cleanup-barely-works-and-it-s-crimping-impoverished-fishermen

 

Midway, a plastic island

 

OVER 5 TRILLION PIECES OF PLASTIC CURRENTLY LITTER THE OCEAN

Trash accumulates in 5 ocean garbage patches, the largest one being the Great Pacific Garbage Patch, located between Hawaii and California. If left to circulate, the plastic will impact our ecosystems, health and economies. Solving it requires a combination of closing the source, and cleaning up what has already accumulated in the ocean.

https://www.theoceancleanup.com/

 

THE OCEAN CLEANUP - The Beginning

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Question. Is it possible that container ships used to export rubbish to be sorted in cheap labour countries is somehow finding its way into the seas ? If the containers are not closed, then presumably in rough seas/windy conditions some of the rubbish ends up in the sea.

We could do with some help from you.

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Interesting question unclebulgaria67 as always.And raises many thoughts.

I will research about these ships moving our plastic trash to far flung destinations.And return as soon as possible.

A little work to do unfortunately.

For now i will leave you with a video.Videos continue after the first one.

Have you ever wondered where the Oceans take our trash.

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Bring back glass

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Bring back glass

 

Why not bring back glass CitizenB.

Plastics do so much damage.On my walks along the beaches i collect sea glass.

Now sea glass can be many things.Bottles of many sizes all colours of the rainbow. Even windsreens, toughened wired glass i have found.

When i collect it i think of the person perhaps a hundred years ago that threw it in the sea.Or more recently

Perhaps having a bottle of beer and just launched it in the sea.

But over a little time it gets broken down by storms, sand, tides and turns into beautiful shapes that do not do the damage that plastic does.

I have just been trying to find some pictures of sea glass but i have so many photos i cannot find them.This may explain a little.

See if you can spot something that may have been thrown in the sea by one our great grandfather perhaps.Once it was a bottle.

2qmomxc.jpg

 

I use the Driftwood and fishing line and sea glass to make things. But have just realised i use plastic tealights.We all pollute a little.

You see the sea glass again in the article.

2cdwdhx.jpg

 

And many of us do not realise we are polluting myself included.

I mean who would if they knew would like the idea of a piece of plastic bobbing about in the sea and killing something perhaps decades later.

I will not put the picture of the Whale with all those bags in its stomach it may distress some but on the web.

So manufacturers have to do something to solve this huge problem surely.

Plastic takes centurys to disintigrate and causes so much harm to the environment on land and sea.

 

Must have pulled hundreds of yards of Nylon Rope of the Shoreline as well over the years and many other strange things.

I have the pictures but been writing so much today that will have to do for now.

Just hoping a movement is growing to turn the tide against this plastic menace.

I wish you all a good evening.

Tawnyowl.

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I guess for those who are so inclined, even glass would be a problem for them to recycle - I notice broken bottles in some areas of town and along the verges when walking the dogs. There are just some people who are just so bl$$dy lazy.

 

 

I do try not to purchase items that are covered in loads of plastic wrap, however sometimes it is unavoidable.

 

 

Love the garden ornament, TO :)

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

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

1: How can BCOBS protect you from your Banks unfair treatment

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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