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    • Slight Update - All payments should be made by the end of this week. However the Customer Service Team are unable to say how much is due as they "Dont have access to say"  Payments should be made by BACS to your Bank Account.    Please keep an eye out. 
    • Actually just calculated it again its just under 6 months by 11 days 
    • and the hard Brexiters wont accept anything but a complete break ... despite their apparent stance on US deal rule taking. ;-/  
    • Johnson is playing a pretty good game while the corbynistas continue to prove they are anything but with their  'more democratic party' where rules are changed when the Corbynistas break them, and they try to ensure that even if they lose, there people are in permanent positions when the hard working troops lose their jobs.   Corbyn allies ‘line up top jobs before new Labour leader is elected’ https://www.theguardian.com/politics/2020/jan/26/corbyn-allies-line-up-top-jobs-before-new-leader-elected     Rebecca Long-Bailey broke Labour leadership rules but was cleared by Corbyn allies https://www.independent.co.uk/news/uk/politics/rebecca-long-bailey-labour-leadership-rules-broken-corbyn-election-latest-a9300891.html         While Johnson consolidates his wins from Labour   https://www.theguardian.com/uk-news/2020/jan/26/northern-rail-to-be-renationalised-and-some-beeching-closures-reversed   " Blyth Valley, a former Labour stronghold in the north-east that turned Conservative in the election and presaged the collapse of the “red wall”, is likely to be among the first places to benefit from the reopening of passenger services. "
    • “Variola may have been introduced to humans through such a cross-species transfer” “It is closest in DNA sequence to camelpox virus, which causes smallpox-like disease in camels; both viruses are apparently descended from a recent common ancestor.” https://academic.oup.com/cid/article/38/6/882/321153   To re-read. Frankly anyone who thinks the WHO, CDC and UK Gov recommendation of 14 days is anything other than a sensible minimum, is a dangerous idiot IMO, particularly given the apparent extremely fast mutation rate being reported ...  and ability to jump species         Mutation of Smallpox **********************   "Clinical descriptions indicate that smallpox always had a high case-fatality rate until around the end of the 19th Century, when a more benign form of the disease, with a similar rash but much lower mortality rate, appeared in the Western Hemisphere. Less lethal types of smallpox were also noted in Africa, where they may have existed for some time [5]. These milder variants are now designated “variola minor,” in contrast to the traditional “variola major.” The genetic changes responsible for attenuation have not been identified. https://academic.oup.com/cid/article/38/6/882/321153   Interestingly cowpox was used as a relatively effective ‘vaccine’ against smallpox, and monkeypox seems to be ‘expanding’ to fill the nasty nitch that smallpox existed in. Note That although smallpox and monkeypox are often talked about in the same breath, and are often considered closely related, despite monkeypox, camelpox and Cowpox vaccines’ effectiveness against smallpox and each other, the genetics of smallpox and monkeypox have been examined and they are not believed to be actually genetically ‘related’. https://www.who.int/news-room/fact-sheets/detail/monkeypox   … On the other hand Camelpox and Smallpox on more recent examination are believed to be VERY closely related: “Variola may have been introduced to humans through such a cross-species transfer” (like Coronavirus) It (smallpox) is closest in DNA sequence to camelpox virus, which causes smallpox-like disease in camels; ***** both viruses are apparently descended from a recent common ancestor.” "The appearance of variola minor may represent a stage in variola's adaptation to its human host." https://academic.oup.com/cid/article/38/6/882/321153       Possible sources of fresh smallpox outbreaks ************************************************ Lots of references say things like smallpox has been ‘entirely eliminated from the world’ when it clearly still exists. ‘Eradicated’ should be qualified as being ‘from the living human poplation. Even whether ‘carriers’ exist is unknown.   * ‘Officially’ (WHO approved) in 2 labs - which means little to weapons programs or nature itself - Accidents and misplacing links already supplied.   * Unofficially it is claimed to be held in other bio-weapons labs: Just two links of many: https://en.wikipedia.org/wiki/Soviet_biological_weapons_program https://www.news-medical.net/health/Smallpox-Biological-Warfare.aspx   * Animal hosts and species jumping of genetically similar Virus like Camelpox.   * thousands of Inuit infected bodies across the melting areas of the melting Northern ice and peat bogs and tar pits around the world. http://www.bbc.com/earth/story/20170504-there-are-diseases-hidden-in-ice-and-they-are-waking-up https://www.npr.org/sections/goatsandsoda/2018/01/24/575974220/are-there-zombie-viruses-in-the-thawing-permafrost?t=1580114743932     in the summer of 2016 a large anthrax outbreak struck Siberia. "A heat wave in the Arctic thawed a thick layer of the permafrost, and a bunch of reindeer carcasses started to warm up. The animals had died of anthrax, and as their bodies thawed, so did the bacteria. Anthrax spores spread across the tundra. Dozens of people were hospitalized, and a 12-year-old boy died.   On the surface, it looked as if zombie anthrax had somehow come back to life after being frozen for 70 years. What pathogen would be next? Smallpox? The 1918 flu?"      
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Hi All,

 

Following on from another thread I have on the forum, I have requested the CCA for an AA loan I took out in 2009.

 

Since 2013 when I got into some financial difficulties I have had the interest frozen and paying less than the monthly agreed amount, obviously this is reflected on my credit score. This is now with Wescot who are still collecting.

 

I was initially looking at paying off my remaining debts, but advised to get the CCA for each before doing anything else.

 

So seeking advice of what to do with this one now please. Hopefully it is readable in the format attached.

 

Thanks for any advice given.

AA CCA - Wescot (1).pdf

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who are wetcloths client


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Ah, I think Lloyds Bank plc looking back through. So maybe wrong thread for this one?

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well no as they are all intermingled now

esp as it was 2009 sign up

 

wetclotch must state their client on their letters


..

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Yep, definitely Lloyds Bank plc - just found the letter.

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well when tsb/Lloyds split then regrouped and split again some of the old HBOS belonged originally to Lloyds under the HBOS badge

but not to worry.

 

so there appears to be some T&C's missing as there should be sheets of them

but what is there is correct and i'd say enforceable

 

and as its with the OC you wont get much discount

 

have you got all the statements ?

 

 

and a this is still owned by the original creditor as wetcloths cont buy debts then i'd


..

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