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    • Hi Tawnyowl here,i have been watching events over the last week or so as things develop. Labrat,such a sense of humour.😀 Hi honeybee13 . Sure does     Anti-fracking campaigners have reacted with concern to news that the British Geological Survey (BGS) signed a non-disclosure agreement with Cuadrilla over access to operational data. https://drillordrop.com/2019/08/24/suspicion-over-fracking-firms-secret-deal-with-geological-agency/   Cuadrilla has been accused of trying to downplay last night’s 1.6ML earth tremor caused by its fracking operation near Blackpool. The tremor, at 8.46pm, was the largest so far recorded at the Preston New Road site since fracking began there in October 2018. https://drillordrop.com/2019/08/22/living-in-fear-residents-respond-to-1-6ml-fracking-tremor/ Energy firm Cuadrilla said a 2.23-magnitude tremor was recorded at its facility near Blackpool at 11.01pm on Saturday – the third “micro seismic event” this week. While some local residents may have felt the movement, it was not strong enough to have caused any damage to property, the firm added.  Do you believe anything this company says. Like their so called micro seismic events you would think damage could have been caused to properties. Once buildings start shaking this must happen surely. I was approached this afternoon while at a cricket match. Just chatting way about this and that when the person said Did you feel the Earthquake last night. I had not even heard about it,tell me more i said. Lights and windows shaking moving around about a mile away on one of the North of Englands largest housing estates. And there are reports of many more people feeling this event covered on this link. Why should a community be put through this,waiting for the next one. People living around Cuadrilla’s shale gas site reported shaking buildings and windows last night from a 2.1ML tremor. This is the strongest seismic event so far induced by fracking at the Preston New Road site near Blackpool. It brings to more than 90 the number of tremors since fracking resumed at the site less than a fortnight ago. Within minutes of the tremor, there were reports that people had felt it from surroundings towns and villages including Blackpool, Weeton, Westby, Peel, Kirkham, Wrea Green, Great Plumpton and Lytham St Annes. Much more on the link. https://drillordrop.com/2019/08/25/call-for-fracking-ban-after-2-1ml-tremor-shakes-buildings-around-cuadrilla-shale-gas-site/   You might notice that the BGS has a page now for human activity causing Eartquakes-link Last updated: Sun, 25 Aug 2019 18:10:00 (UTC) This list contains seismic events for which there is strong evidence that they have been induced by human activities. It is linked to a database of seismic events and locations and magnitudes may change as events are re-analysed and revised. Background, tectonic seismic activity is reported on our recent earthquakes list. http://earthquakes.bgs.ac.uk/induced/recent_uk_events.html   I had better leave it there for now, more soon.,how will it all end because surely it will. Things cannot carry on much longer like this,can they? Bye for now. Tawnyowl writing from the Earthquake centre of Great Britain courtesy of Cuadrilla Fracking.
    • happy for mod to move it to suitable location under thread title Background: Thanks in advance for any thoughts you can share. This is a very long history, I appreciate your time. In 2011 I took out a £8500. loan from Borro private finance against art and jewellery to make ends meet. The agreements are attached below. This is a CCA. Borro regulated by the FCA. The interest rate is APR 68.8  % for 6 months.  I paid the interest and capital during the period term. On 3 May 2012  I renewed this loan at 79.4% interest for another 6 months.  Last week I requested all evidence the lender holds concerning the agreements. Missing are 03/05/2012 through 14/06 2013.( not under a SAR).  I fell into arrears on the loan and one piece of jewellery was sold, reducing the balance to £6400. Dec 2014.   The lender took a payment of interest £2044.16.  Renewed against the other items ( art etc) on this loan.  The new interest rate increased to 88.8%  . At the time the ring was sold, I requested all documents concerning the sale. Borro produced none. The ring is appraised at $17,5000.  £14,000.  The ring was sold for £3500.  I have an appraisal. I was notified prior to the sale. The ring was sold by "private treaty". I continued to ask for information about this sale until todays date. No information has been provided.  I took a huge loss . The ring is not clearly described on the inventory compared to the appraisal. Documents missing from Borro response to my request include 25/10/2014 to 10/04/2015. I was in arrears on this loan and a new agreement was made. The loan amount was increased to £10,810.00 and the interest rate decreased to  80%.  what is interesting is that the lender should have sold this ring, the value was sufficient to pay off my debts. But that is not what happened. someone got a deal on a nice ring.  II. ON 1, Jan 2012, I took out a second loan in the amount of £3000 against another piece of Jewellery. The interest was 68.8%. I paid the P&I on this loan.    Missing from the requested information is agreement from July 10/2012 until 12/12/2012.  I did pay interest during that period and on 12/12/2012 through 11/06/2013 I renewed  with an interest rate for 79.4 %.  I renewed on 04/07/2013 through 03/06/2014 interest rate 97.8%.  I renewed this loan on 03/01/2014 interest rate was 88.8. Take note there is very little description about this item. I redeemed the loan but ended up back in the pawn. 19/06/2014 to 18/12/2014 interest eat 94.5%. I renewed this loan again 19/03/2015 . Interest rate was 93.2%. Now there is a clearer description of the ring. Documents missing from Borro response to my request include 012/06/2013 to /10/2014 to 10/04/2015. Information on the  description is also scant until I took the loan out again in 2014. The last payment on either loan was March 2015. Default date was September 2015. The lender still has my property.   PROBLEM: In 2013, Borro became aware that the reason I had pawned these items was that I was a plaintiff in a substantial lawsuit in the US. I borrowed because I had lost my job. I was not able to work( I had been FCA regulated). I was facing eviction, had serious financial stability  and some mental health problems. I gave them a copy of the pleadings. They are aware that I had claimed these loans as part of my damages.  In 2015, Periodically I requested the accounting. Some was provided some was not. As a result, in  2016, the head of credit wrote to me " "Thank you for coming in to see me today. As discussed, we will freeze your accounts with us from today the 14th October 2016 until the 31st of December 2016. This will mean that no further interest will accrue until the 31st December 2016 and we will not consign to sale until on or after the 31st December 2016."  I did not hear from them again until  08 February 2017. On 30/03/2017 I responded to Borro request that I give them an update on the accounts. I wrote that I needed a settlement figure.  No response the following week I personally met with the manager I had been dealing with. She told me that " we are not going to sell your property". We understand that you have fallen on hard times, we are human. How long will it take you to sort this out. I responded about 2 months."   I did not hear from Borro again until I wrote to them on 18/03/2019 where I stated, " the last time we met you were going to give me a settlement figure". There was no response. As a result, on  18 March 2019 I sent  an email to - Subject: RE: Borro Accounts. Dear Lender. Hello. The last time we met, you were going to give me a settlement figure. Litigation is still ongoing. We have a potential investor that has asked me to get a figure from you. Depending on that number, I can let you know if I can pay the bill and collect my things in the next few weeks. Please get in touch as soon as possible". no response.   In early July 2019 I received a call from someone at Borro. It was not a good time. I asked him to call me back the following week. I did not hear from him again either. On  6 august 2019 I received an email from Borro that I should log into my account. I was unable to. The following week I wrote to them and in summary: On 13/08/2019 I wrote and included a summary of the events: I am writing to advise you that I am obtaining advice concerning the  account. You are aware that you have not pursued any further action on this account since approximately 2014(or earlier) . This is because I had an agreement with Name Deleted that Borro was not “going to sell my property,  I recited the above summary of events.   Certainly, I had no intention to give up valuable property for almost 8 years and pay interest and principal for this long. I want to develop a resolution to the matter between us. In order to achieve this, Please can you provide me with the following information which is attached in a spreadsheet: I need a very simple accounting and please answer the below: Any renewed loans where additional credit was extended through the re-appraisal of the assets ( ie using the asset as leverage) to extend further credit where the loan proceeds were applied to the loan for reinstatement purposes. What were the source of funds for the last payment made? Because I am seeking advice with a view towards finding a resolution, I would appreciate it if you could hold action on the above account for a period of at least 30 days to give me the time  I need to obtain advice. If you are adding interest or other charges to the account, I would be grateful if you would freeze these during this period so that my debt does not continue to increase. Please can you send me the enclosed spreadsheet and the documents you loaded into my account as soon as possible. This will enable me to obtain accurate advice. I will contact you again as soon as possible with further details of a  proposal to resolve the account. ( so far this lender has not complied with my request)   SETTLEMENT OFFER From: Borro Customer Service <Contact@borro.com> Sent: 14 August 2019 13:22 To: Subject: RE: Your Loan Account   Dear borrower. Thank you for your email and for getting in touch with Borro. As you would be aware there have been many loans with Borro, with two loans that remain outstanding which we are seeking to resolve with you. Given the significant period these have been overdue, the current balance on these two loans is almost £52,000 of which the majority is interest. In order for you to move on from this debt it is proposed to sell the collateral associated with Loan DIAMOND RING 175643 in full and final settlement and return all the items under Loan 198678 to you. This would generate a loss for Borro of approximately £49,000, however given your circumstance this is something we are prepared to offer. While I would love to pay Borro £3000. I do not currently have the funds. Borro is aware because I wrote to them on august 13 advising them i am not working. I do not want to lose my property. I need to find a way for them to walk away, give me my property back. WHAT ARE MY OPTIONS? Below are the questions I have or could raise in order to "negotiate with them". Is this a high interest short term loan? What are the effects of an CCA that has an interest rate of 93.6% and is renewed every six months? It appears that one loan was "Refinanced".  What FCA terms did they violate which might apply to this situation ? After the agreement expired and terms were changed, what rights does the PB have to collect further payments or sell the ring? Did they waive their rights to further payments? How can I use refusal to produce sale information concerning the first ring, to negotiate my way out of this? What is interesting is, they sold a £14,000 ring privately, concealed the buyer and other information, then turned around and INCREASED THE INDEBTEDNESS substantially. In fact they want to do this again, but this time are offering to  write off £49,000  in other interest. What am I missing? What effect does violations of FCA 6 and 7. help me to negotiate a settlement. Is the FOS effective threat to the firm to pressure a settlement? Does a cost cap apply to these loans and if yes what is the amount of the cap? How can I use the current appraisal and FCA or any other rules to stop them from selling the ring for less than market value? I have someone looking at the accounting to see if there are errors. found several when query. anything you can find that voids the agreements? Anything else you can think of THANK YOU!!!   RING.pdf art.pdf
    • I am so sorry I see the confusion now, I was meant to say CAB not CAG. They are just sending him letters to copy and send which doesn't seem helpful at all.    I also apologise for the vague details right now. I actually thought he had got rid of the car already until he mentioned it as he dropped me off home, so I've only got a vague idea myself, i just wanted to see if there was anything he could do other than send letters. I will get more details from him and update this thread, or get him to join as you have advised.  sorry 
    • It was a late payment, no default 
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Morning, sorry if this isn't in the right section, just need some advice.

 

I am applying for my first ever passport tomorrow as I have booked an holiday for January, 6, 2019 as I am going to send of my form tomorrow at the Post Office with check and send and my foam contains pictures for my passport and other supporting documents.

 

Does anyone know how long it takes?

will I get it before January?

 

Also, is it 100% that I will get a passport?

or could I be refused one?

 

as I never had a passport and I am also a British citizen as I was born in the UK.

 

I am just worried that I will get refused a passport, should I be worried?

as I am looking forward to going to Benidorm for 7 days in January and I am excited to be going on a plane for the first time.

 

Any advice would be great thank you.

Edited by dx100uk
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Hi.

 

 

The Benefits forum doesn't deal with passport matters, I've moved you to the Visas one.

 

 

HB


Illegitimi non carborundum

 

 

 

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This is from the Passport Office about reasons a passport can be refused or withdrawn.

 

https://www.gov.uk/british-passport-eligibility

 

As long as you don't fall under the categories they mention and have sent all the documents, I don't see why you wouldn't get a passport.

 

I don't know how long passports are taking at the moment, the Post Office should be able to tell you. I've used their checking service before and it works well. :)

 

HB


Illegitimi non carborundum

 

 

 

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That's great, thanks honeybee13 - I don't fall into that category which I am pleased about :)

- I have a council tax debt at the moment which I am paying £40.00 per month to Jacobs, will this stop me from getting a passport?

Edited by dx100uk
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I wouldn't have thought council tax arrears would affect anything, Channing, being in debt isn't a criminal offence. :)

 

 

HB


Illegitimi non carborundum

 

 

 

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Haha, that's great honeybee13 - thanks for your help :) my mind is at ease now knowing nothing will affect my chance of getting a passport, will I have to attend an interview to continue my passport application?

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I've never been asked in for an interview, I doubt if they have time. I've had a UK passport since I was in my teens.

 

 

 

HB


Illegitimi non carborundum

 

 

 

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If its your first passport, its likely you will go and speak to a passport official, just to confirm your identity and so they can make sure you are who you say you are.

 

Its a pretty short interview, and they have a ton of info about you anyway from various sources.

 

They ask random questions based on that info and just want to see if what you say matches their info.

 

Once the interviews over, it takes a week or so for your passport to come.

 

They have the passport there and then in the interview, but they have to sign off on it and send it out.

Edited by dx100uk
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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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No, nothing to do with passport.

You should have your passport in 4 weeks max, unless there's a problem, then they'll call you

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Hi

When I applied for my first passport, I also used the check and send service at the Post Office. With this service you only pay one fee and if you have to make changes (usually photo) then you won't be charged again.

 

 

As it was my first passport, I was invited to an interview to ensure I was who I said I was.

 

 

My interviewer asked me which post office I used and its location and he asked a few personal questions that only I would know. They have a computer on the desk so I assume they have the answers already and my responses were just a confirmation and that was it. 20 minutes.

 

 

My passport was delivered the next day by secure courier.

 

 

I must add that if you have issues with the forms, the helpline is good. I had issues because my mum had died and I'm estranged from my dad and all they said was to include a short letter to explain that I had no idea if my dad had a passport and my mums had expired (obviously)


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Hi Silverfox1961

- Thanks for that and sorry to hear about your mum.

 

Can I ask, did you have to sign for your passport when the courier arrived?

 

I am just worried as I am starting back in work next Wednesday and I just hope I don't have to sign for it.

Edited by dx100uk
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I do believe I didn't as I was home when it was delivered. It's a couple of years ago and I've slept since then.

 

 

 

Here is more info for you

 

 

http://tinyurl.com/y8ryce49


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I live in Sweden and had to renew my Passport This was returnrned to me within 3 working days by secure courier. I am still recovering from the shock LOL

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If you want a Swedish Passport ypu take all the documents to local Police Station and they process it while you wait.

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Hi, today has been a total nightmare, I done it wrong 3 times on the passport foam as post office did a check and send so I had to re do it again three times - but that's not it as 4th one is also a nightmare as I need to send my parents marriage and birth certificate with my foam but my parents have't got birth certificate, so they just ordered them on the phone, which this will delay my passport. Why do they need my parents birth certificate and marriage when I am applying for the passport? they don't make it so easy. I am so stress with this all that If this delays my holiday to Benidorm, I won't be very happy at all. I only want a passport, it's not rocket science. :(

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Hi.

 

I'm sorry it's been hard for you. I don't know why they would want to see your parents' evidence, did they say?

 

You have months in hand before your holiday, I don't think you should worry about the timing. :)

 

HB


Illegitimi non carborundum

 

 

 

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Does anything in this information from the government apply to you, channing?

 

 

https://www.gov.uk/apply-first-adult-passport/photos-and-documents-you-must-send

 

 

HB

 

Hi Honeybee13 - I think this does, where it states: On or after 1 January 1983 - as I was born in 1986, does that same about right when they asking for my parents birth certificate and marriage certificate as well. It could take up to 4 weeks once the birth certificate and marriage certificate arrived to my parents and then I can send my passport off, and I hope this is the end of it lol.

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It's because you never had a passport before.

If your parents have passports you can send them (or just the number if I'm not mistaken), but if they don't then you need birth certificates.

This is to prevent people who enter the country illegally or overstayed their visa to register their kids as British citizens.

They've become a bit stricter in recent years.

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Hi, Can I have some advice on filling in the form as I want to make sure I get it right for my passport application goes smoothly this time. I am only filling in the foam at the moment as I can't send it off just yet until my parents birth certificate and marriage certificate arrive.

 

It says on the form in Section 1 it says the following: If you want to pay for a 48-page passport, put a (X) in this box, what does this mean? Is this normal / standard passport? and should I put an X?

 

Also, in Section 5 it says this: Certificate of registration or naturalisation - Has the person named in section 2 been granted a certificate of registration or naturalisation? Cross (X) in the No or Yes box. Anyone know what this means? I am confused.

 

Any advice would be great, thank you.

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Also, in Section 5 it says this: Certificate of registration or naturalisation - Has the person named in section 2 been granted a certificate of registration or naturalisation? Cross (X) in the No or Yes box. Anyone know what this means? I am confused.

 

 

http://bfy.tw/JNJj

 

 

have you been a citizen of another country and acquired UK citizenship by 'naturalisation'?

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 336 days.

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