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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 I hope I'm posting this in the correct place!

 

I have almost finished settling all my debts with f&f settlements with thanks to all the advice I found on here but i have 2 issues remaining;

 

- I offered Link financial a f&f for an old barclaycard. The amount outstanding is £1440 & I offered £734

They have declined this offer and said the least they are willing to accept is £1295!

 

I have since requested a CCA which they have just written back to me to say they can't locate, therefore the debt is unenforceable.

Should I offer a small amount to settle this debt as it hasn't currently defaulted on my credit report even though I have been in a DMP for 5 years (which I have now closed)

 

-My second Issue is a Tesco loan which has been sold on to Intrum. I offered £5,404 on a £10,665 loan which was declined.

They have since provided a CCA therefore the debt seems enforceable.

This account defaulted February 2012 therefore is now not on my credit report.

I am now in the process of offering £7,000 but really can't afford anymore than that.

 

What are my best options for the above please, any advice is greatly appreciated.

Thanks

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The 1st one forget about. You'll get some letters every now and then but they already said its unenforceable.

 

The second one the offer seems reasonable. It just depends on how you want to play it.

Others will advise on the legal ins and outs

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Thanks for the quick response sgtbush! If I don't pay anything though won't they default me?

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How can they prove your n default of something they cant prove you've ever had.

 

Its like me defaulting you on your credit file

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bet the debt was defaulted years ago by the OC

it cant be defaulted twice!

 

no cca = NO PAY!!


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start a thread in the other institutions forum for the Tesco loan and scan up the CCA return to ONE multipage PDF

read upload


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But it's showing on my credit file as up to date so can't they then put a default on it?

 

I'm sorry I'm new to this so am unsure what you mean!?

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Link dead in the water so dont offer anything and stop apying them if you are still doing so.

Did you get a letter telling you the debt was assigned to Intrum at the time? If not it may be they dont actually own the dabt, merely manage it and then they cant actually accept an offer becuse it is above their pay grade to do so.

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Go ring BC and ask when they defaulted the debt

They must do this before selling it to a DC A


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Yes i did (it was first credit but has just changed to Intrum)

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do post 9 please


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