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    • Just a little something for consideration When a card is compromised, the replacements can be set up to automatically allow or manually re-add, old recurring transactions. The card issuer may ask you to confirm legitimate transactions which they would effectively 'migrate' to the new card Some do - some don't. Some staff on some cards seem to be entirely unaware/uncaring about this. Some card issuers expect you to sort it all out manually.   BUT if the leak is an ongoing lyca leakas it seems - as soon as you or your CC supplier give it to lyca/the leak source - compromised again     A note on security DONT use the same email or phone number for your banking as you do for sims etc. Although a bank eg santander leak would compromise this Infp seems to suggest that single/compromised multi factor authentication customers are priority targets, with more robustly secure cards being hit by 0.00 tests first Consider that the email address is one of the OTP recieving options AND one of the OTP security checks prior to sending the OTP - with the phone number being another So if they've got your card and email (same email for banking and end contact) - and you aren't forcing a phone OTP - you are compromised.  
    • Thanks for posting up the back of the NTK. The good news s that as it does not comply with the Protection of Freedoms Act, it means that you are not liable for the charge as the keeper as I explained in a previous post.  The PC fails for two reasons. The first is that it does not specify the period of parking. All it does is list the arrival and departure times of your car. Obviously that does not include the time taken to drive to the car parking space, manoeuvre the car into the space and later drive from the space to the exit. Nor does their times include things like getting kids disabled people out of and into the car as well as things like returning the trolley whilst still being parked. All of which can add a fair bit of time to the parking period which can then be subtracted from their ANPR times and makes your actual parking time a lot shorter than 118 minutes they seem to think it is. The second reason is that they failed to ask the keeper to pay Schedule 4 Section 9 [2][e]  (e)state that the creditor does not know both the name of the driver and a current address for service for the driver and invite the keeper— (i)to pay the unpaid parking charges You as keeper are now in the clear which is a good reason for you to contact Sainsbury  stating that you are being pursued as the keeper when you are not liable under the Act as well as the oher things I suggested in my previous post. If you don't get it cancelled with Sainsbury this could drag on for months with endless letters unlawfully pushing the price up to scare you into paying.  
    • Brilliant! That's great to hear and honestly pleased I'm wrong, my advice was out of concern. I checked some of your previous posts last night and you've been giving great advice to others at times. Bringing a claim can be serious (counter-claims etc) and it didn't appear you were knowledgeable based on posts so far. Far from an expert myself, just interested and will try to help. I'll sit on the sidelines, best of luck with the claim!
    • Thank you so much for the advice  I will try and up my savings to £500 for the next 6 months. Although I do still have an uphill battle, I feel more able to deal with it.  I hope my experience with the cifas marker helps someone else who finds themselves in that quite horrible situation. It is a huge weight off my shoulders getting it removed.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

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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.

      Frankly I don't think that is any accident.

      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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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If you were in charge


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So much negativity recently so how about this, if you were in charge of our Country what would you change.

Chose up to 6 things

 

1) I would abolish the Government

 

2) I would have a smoke free UK ( if only )

 

3) Stop this stupid inflated wage thing, specially over paid footballers, no one should have a price on their head

 

4) At least £10 a hour plus for all, stop the £500+ wages,

all equal

 

5) Help GOSH and The Lullaby Trust and any other charity not getting Government help

 

6) ban dummies. baby carriers, cot bumpers, and front facing car seats ( until big enough to sit on own )

 

Could think of a few more things, but over to all you Caggers

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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1) would lead to outright anarchy

 

2) Impossible, but im with you on "if only"

 

3) Private companies can pay their employees whatever they want. By putting a pay cap on them, you make the companies and directors extremely wealthy and the employees less well off.

 

4) Say hello to sky high taxes and item costs.

 

5) How would that help if you abolished the government?

 

6) Nothing wrong with baby carriers, although i agree with the others.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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So much negativity recently so how about this, if you were in charge of our Country what would you change.

Chose up to 6 things

 

1) I would abolish the Government

 

2) I would have a smoke free UK ( if only )

 

3) Stop this stupid inflated wage thing, specially over paid footballers, no one should have a price on their head

 

4) At least £10 a hour plus for all, stop the £500+ wages,

all equal

 

5) Help GOSH and The Lullaby Trust and any other charity not getting Government help

 

6) ban dummies. baby carriers, cot bumpers, and front facing car seats ( until big enough to sit on own )

 

Could think of a few more things, but over to all you Caggers

 

By enacting point 1 who would enact points 2 to 6?

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Then delete this thread, simple, I put them in the wrong order , sorry

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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No need to delete. Its all fun. We understand why you made the thread :)

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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1. Ban smoking anywhere other than inside private property/in dedicated smoking shelters on private property - no smoking in cars, on public streets, in parks etc. There's incontrovertible evidence that passive smoking damages health so why is making someone else breath in your cigarette smoke anywhere even legal?

 

2. Oblige any company employing more than 50 people to employ at least 1 person who is claiming/has claimed benefits for a mental health problem and 1 who claimed for a chronic illness, even if it's only for a couple of hours a week, and pay them at least the living wage for those hours.

 

3. Insist that all school leavers have at least a basic understanding of how bank accounts, mortgages, rent etc work

 

4. If banning stupidly high wages and bonuses isn't realistic, how about an upper limit based on a multiple of average wages?

 

5. Before handing out money to other countries, make sure no one in this country, especially children, are hungry or don't have a roof over their heads. Perhaps it simply isn't possible to stop any child in the UK from going hungry, but it should never be because of action/inaction by the 'authorities'.

 

6. If only 10% of prescriptions in England have to be paid for, scrap the charge and save all the money that's spent on administering the system.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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Agree about the smoking, it is a factor in cot death :(

 

Why should asthmatics have to pay for prescriptions? it is after all a life threatening condition, as for baby carrier I hate them with a passion, I saw someone fall over front wards with a baby in one and it ended up seriously hurt, what happens if you faint, trip? same as the ones on your back

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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1) would lead to outright anarchy

 

Nope, because |I would still be in charge and any anarchy would be SEVERELY dealt with.

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

 

 “Do I want to spend every Friday for the next five years in Clacton?”

Farage, Feb 2024 talking smack about the Peninsula town

.. before he decided he wanted their votes

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1) Bring dragons back from where they went, they are not all bad !

 

2) Have other countries help us out ( if possible ) instead of other way round

 

3) No more paying a footballer inflated money just to kick a ball around

 

4) Make the Queen let homeless people use the empty rooms she has, after all she does not use them!

 

5) Do more to save endangered species

 

6) Let people retire when they want without penalty's ( if possible )

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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3) No more paying a footballer inflated money just to kick a ball around

 

Wonder why I thought of Boris Johnsons' Johnson there?

... and thought - worth it ...

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

 

 “Do I want to spend every Friday for the next five years in Clacton?”

Farage, Feb 2024 talking smack about the Peninsula town

.. before he decided he wanted their votes

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I'd pay the CAG Mods a good few bob a week :)

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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1. stop the gold plated pensions for mp

2. bring the army in to control the borders and enforce it

3. start cracking down on tax avoidence by companies and individuals

4. scrap all foreign aid and spend it in this country

5. Big one her start looking at local goverment and prune the managers or pen pushers you would save billions

6. start co llective contracts for goods and services for local bodies etc

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Interesting:

 

1. Change the voting system from FPTP to the Alternative Vote

2. Make it mandatory that secondary schools teach personal financial management, and a basic knowledge of the UK political and legal systems.

 

 

to be continued...

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1: make all schools teach children how to mange money and say no to pay day loans and door stop loans

 

2: teach children the basic how to run a home/bake/read and write etc, there are still some who can not

 

3: make them who work in Job centers try find a job and sanction them i f the do not, see how they like it!

 

4 : cut hospital waiting lists if possible

 

5 : make prescriptions free to those who can not afford them or need them to keep alive

 

6: Let parents take children on holiday when they want without being fined or make holiday more affordable

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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Have a peaceful world! well can but dream

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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