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    • So lets look at your one link (I think) apart from some recent news reports from China   My statements are as defined by WHO, the CDC etc etc based on the experiences they had in managing and investigating prior similar outbreaks like MERS and SARS   ... gets my vote     Yours references appear based on a reputable source MRC Centre for Global Infectious Disease Analysis https://www.imperial.ac.uk/mrc-global-infectious-disease-analysis/news--wuhan-coronavirus/   BUT - what actually is it?   I've scanned through two the two latest reports and it certainlt seems to be a mathematical modelling exercise (standard deviation etc) on the current outbreak based on the limited information currently available.   Absolutely a worthy and essential goal that undoubtedly will add to our knowledge of the progress of these sort of outbreaks It MIGHT even update the processes and procedures already in place some time in the future, or it might simply confirm them.     But is is accurate or anything other at present? From the LATEST updated report 3 - their own words quoted.   "For our baseline estimates, we assume that two key characteristics of 2019-nCoV are similar to those observed for SARS: that there is high  level of variability  in the number of new infections generated by each infectious individual  and that the  generation time (the  average time between generations of infection)  is  the same as was estimated for SARS (mean of  8.4  days  [3])"       "we also generate estimates assuming 1000 or 9700 cases by 18th January, the lower and upper bounds of the uncertainty range around our central estimate of 4000 cases by that date." (a 10 fold spread in the estimates)     How accurate have these guess-timations you quote here proven to be (in their own words)? " The  uncertainty range is 1,000-9,700, reflecting the many continuing unknowns involved in deriving these estimates. Our central estimate of 4,000 is more than double our past estimates, a result of the increase of the number of cases detected outside mainland China "     So yes I do understand them, and will stick with the CDC/WHO figures thank you         oh and of course a Russian spook selling a book - which I admit to NOT having read - I did say not Alex Jones
    • Not really a risk more of an oversight because throughout this claim you have stated you have never held a Cap One Credit Card.....now you find you did...but it helps prove thats theirs cant be valid because you would not have 2 credit agreements with Cap 1 unless one was for a Luma brand.   If your numbers in the screenshot are different to the ones they are quoting in this claim (they have given an account number ?) then yes it would be useful.   This is not about avoiding paying any debt its about proving to the court how DCAs are manufacturing documents to fit their claims.
    • If we can’t agree on the incubation period, what are you thoughts on “Ro” for 2019-CoV (or R0), which I’d prefer to write as R(subscript-0) if I was able....   a) what would you estimate it to be?   I’ve seen estimates of between 1.4-2.5 (the WHO report factoring in 4th generation cases, from Jan 23rd),   1.4-3.8 from other analyses from the same date, although Fisman from Toronto (who did much of the modelling around SARS) cites a paper noting “the volume of observed exported cases in countries outside China suggested a much larger underlying epidemic than had been reported at that time, and this epidemic may have begun a month prior to the recognition of the market-associated outbreak, consistent with the reported timing of viral emergence based on phylogenetic analyses” Fisman believes there is “a SARS-compatible generation time of 6-10 days” (so, again, not 14 days!), stating that he believes the transmission dynamics are similar to SARS :  “ It is the average R0 that determines whether, and how, the disease can be controlled.  By analogy with SARS and MERS, with which nCoV seems to share many characteristics, the spread of this virus should be controllable.”   Do you agree: a) “superspreaders may widen the Ro range seen” (there are suggestion one hospitalised case generated 14 secondary cases), and b) the outbreak can be controlled by measures to bring Ro (targeting both standard spreaders and accepting the challenge of “superspreaders”) down to below 1?   Happy to consider your expert epidemiological opinion based on current knowledge of the statistics currently available (& accepting that the information gets refined over time!)   Ohh, and that still isn’t an incubation period of 14 days, if the generation time is 10 days  (dependant on when / if infectivity occurs prior to symptoms, are you suggesting that that interval is 4+ days??)
    • Thanks Andy, I think it might be a good idea to put your post #94 in the WS2, what could be the possible risks with putting this in, just so that I am prepared for it....    Also I took an image off the internet for a Luma Card which actually shows the first 4 numbers of my Luma card, would this be useful at all?    Thanks, Roland 
    • Ok so the Lloyds account that was on the doccuments is the joint account. I stopped using the joint account when i moved out, I went on to use my Natwest one which I still use to this day. This account was actually closed 07/09/15, the customer services advisor just confirmed on the phone. They do not hold any records for this payment going out. There was various payday loans but not from Payday Express or any of its t/a names. Due to being over 6 years ago they are not obliged to keep all records of closed accounts.   I did not have a computer at this address or a tablet. I don't know how else it could have been set up? Surely if it was from a computer it would have an ip address, or something?            
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LM93

CRS help please!?

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moneywise services’?? what have they got to do with a gym debt?


..

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Phoned the bank back and after 30 minutes off being on hold they tell me i have to enter the branch. Disgrace.

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And ‘moneywise services’ is what the payments to CRS have been coming out as.

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Urm..id love to know who moneywise are

Last time we heard that name they were an unregistered Debt management company

 

Well if you look at the dd mandate you signed..it says xx company

If the dd has been used by a company not that name..

 

Go get everything back


..

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Urm..id love to know who moneywise are

Last time we heard that name they were an unregistered Debt management company

 

Well if you look at the dd mandate you signed..it says xx company

If the dd has been used by a company not that name..

 

Go get everything back

 

Just got back off the phone with the bank and the lovely lady on the phone has went right back to 2016 when the first payment was made and flagged it up. She said the money should be in my bank by tomorrow afternoon. I have claimed back most of it but there was another 20/30 pound i paid out of another bank.

 

I am thinking about writing to CRS an telling them they can keep it as a final settlement? If not i will claim that back also.

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And i have no idea what a DD mandate is?

 

Any DD was det up over the phone with CRS.

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Well done!!

 

Who was that 20/30 paid too??

 

And who were moneywise??,


..

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Thanks dx, i paid the majority of the money to CRS via one bank and 20/30 via another ive only claimed the majority back.

 

And Moneywise services are just CRS.

Thats what the name was on my statements when i paid CRS.

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A DD mandate is what you agree to and set up so your bank pays money every month to someone you agree to pay. You would have signed a DD mandate agreeing to pay Harlands and the monthly DD would be paid to SNAP, who is Harlands, if I recall correctly.

 

CRS are really Harlands in disguise but I have not heard of them using a DD mandate to collect any fees, admin charges, etc. If you did not sign a separate DD mandate agreeing to pay Moneywise Services, any such payments should be reclaimed via the bank.

 

Having said this, I've already voiced my disquiet about reclaiming gym fees when you have been so vague with dates and amounts paid.

 

But keep us posted :-)


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I am really puzzled by this moneywise link/name/who??

 

have you a letter from them about this

I can find no links whatsoever to harlands gtoup

neither can I find anything about them on any register of companies etc.

 

can you scan up what you have where moneywise is mentioned?

read upload

use ONE multipage PDF please


..

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A DD mandate is what you agree to and set up so your bank pays money every month to someone you agree to pay. You would have signed a DD mandate agreeing to pay Harlands and the monthly DD would be paid to SNAP, who is Harlands, if I recall correctly.

 

CRS are really Harlands in disguise but I have not heard of them using a DD mandate to collect any fees, admin charges, etc. If you did not sign a separate DD mandate agreeing to pay Moneywise Services, any such payments should be reclaimed via the bank.

 

Having said this, I've already voiced my disquiet about reclaiming gym fees when you have been so vague with dates and amounts paid.

 

But keep us posted :-)

 

No mate nothing was signed for a new DD, just a phone conversation.

 

The gym membership ended a long time ago even if i had seen out my contract it would of ended in 2017 sometime around march.

 

Pretty sure i am within my rights to claim the money back. They got a fair bit out of me and if it wasnt for this site i’d still be paying them another 200 odd quid now.

 

So thanks everyone who has helped.

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The bank have rejected my claim for the dd to be returned. Absoloutly fuming. I am still on the phone to them.

 

They are saying i am in a dispute and they cant return it. What do i say? Any ideas what i can tell the bank?

 

And next to where the money comes out in mu statement it says moneywise services. For instance if you buy somthing in tesco it will say:

 

Tesco £4.55

Moneywise services £9.99

 

Iv’e been arguing with the bank on the phone and they will not change there stance. They have give me the number for the fraud team. Any idea what i should do next?

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Should i call the banks fraud team an tell them this? I really want this money back tbh.

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no yo get back on to the bank that refusd your claim

sadly they think they have their own rules they DON'T!!

 

who's the bank?


..

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TSB, i was ranting on the phone for a good 20 minutes they where saying it is a dispute.

 

Unfortunatly i am not as informed as some of the posters on here so run out of things to say. Its just not an argument i can win.

 

Dont know what to do tbh. I could ring them again but i fear the outcome would not change.

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I have had money taken from my account by a company that is not registered with the FCA and I did not owe money too.

 

dx


..

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Will try again tomorrow but it will be my 4th attempt.

 

Thanks dx.

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Speak to a manager and Keep escalating it. Even in a dispute the bank has to abide by the dd rules. They forget tobpicl and choose what happens


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

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Is there anything particular i can say to the bank to make them see sense? Like a rule they are not abiding by.

 

And is there any body i could threaten to report them to if they dont abide by the DD rules.

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Iv’e put in another claim today telling them about the lack of fca license. Hopefully now it will be sorted. I should know by monday.

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Bank still refusing to pay me out. I have filed numerous complaints and had zero contact for weeks. CRS have ran numurous times also have just been blanking.

 

Cant see me getting the money back tbh.

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Summarise the DD claim in a letter to the bank's HO and confirm you require their written, not a telephone, response.

 

When they reply, let us know exactly what you said and exactly how they replied. Use PDF if you want but hide any identifiers first.

 

:-)


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