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    • That is great news. Many people would have given up and paid after losing two appeals so well done for hanging in and fighting. It has paid off and they have finally backed down before getting whipped in Court. I looked at your NTD and your NTK again to see if there was a chance of going for a breach of your GDPR. Sadly although your NTK on its own could have well deserved a claim, the NTD is good enough not to warrant a claim even though it wasn;t compliant with PoFA. As it is the first Notice that mostly accounts for  GDPR breaches there is a reasonable cause for the NTD to have been issued. However you are now freed from worries about appearing in Court and you have learnt about the dangers of parking especially where the rogues that patrol private parking spaces are concerned. Thank you for making a donation and should you fall victim in the future to the parking rogues or anything else that we protect from, you are always welcome .
    • Hi guys I'm about to submit the defence as per below     There has been no reply to our CPR 31:14 request.  Is it worth adding that I (driver, not registered keeper) didn't actually enter or park in the car park and was sat at the petrol station forecourt the entire time?  Or is that covered by the simple points?   Thanks
    • a DCA is not a bailiff and cant enforce anything, even if they've been to court who are they please? sar to the original creditor FIO isnt applicable they are not a public body. who was this query sent too all the more reason to teach her young upon how these powerless DCA's monsters  work... she must stop payments now  
    • Unsettling the applecart?,  I'm going to be direct here, I know how this works , I've been in far worse situation than your relative, and I can assure you , now that there i likely a default in her name, it makes absolutely ZERO difference if she pays or not. Denzel Washington in the Equalizer , 'My only regret is that I can't kill you twice'... It's the same with a default, they can only do it once and it stays on your credit file for 6 years if she pays or not, and as it stands right now she's flushing £180 of her hard earned money down the toilet  so that the chaps at Lowell can afford a Christmas party. As for the SAR this is everybody's legal right, originally under the Data Protection act 1998 and now under GDPR, it's her right to find out everything that the original Creditor has on her file, and by not doing it the only person she is doing a massive disservice to is her self. As the father of 2 young adults myself, they need to learn at some point.. right?
    • Thank you for your pointers - much appreciated. dx100uk - Apologies, my request wasn't for super urgent advice and I have limited online access due to my long working hours and caring obligations - the delay in my response doesn't arise in any way from disrespect or ingratitude. I will speak to her at the weekend and see if she will open up a bit more about this, and allow me to submit the subject access request you advise - the original creditor is 118 118 loans and from the letter I saw (which prompted the conversation and the information) the debt collection agency had bought the debt from 118 and were threatening enforcement which is when she has made a payment arrangement with them for an amount of £180 per month. It looks as if she queried matters at the time (so I wonder if I might with the FIO request get access to their investigation file?) - the letter they wrote said "The information that you provided has been carefully considered and reviewed. After all relevant enquiries were made it has been confirmed that there is not enough evidence present to conclusively prove that this application was fraudulent.  However, we have removed the interest as a gesture of goodwill. As a result of the findings, you will be held liable for the capital amount on the loan on the basis of the information found during the investigation and you will be pursued for repayment of the loan agreement executed on 2.11.2022 in accordance with Consumer Credit Act 1974"  The amount at that time was over £3600 in arrears, as no payments had been made on it since inception and I think she only found out about it when a default notice came in paper form. I'm a little reluctant to advise her to just stop paying, and would like to be able to form a view in relation to her position and options before unsetting the applecart - do you think this is reasonable? She is young and inexperienced with these things and getting into this situation has brought about a lot of shame regarding inability to sort things out/stand up for herself, which is one of the reasons I have only found out about this considerably later Thank you once again for your advice - it is very much appreciated.    
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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.

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      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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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The Power Of Nature.Wild Weather.Climate Change.


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Turning Beauty Spots into Chamber Pots

WWW.THEGUARDIAN.COM

Researcher says data suggests permit conditions breached on up to 70 days, but United Utilities disputes findings

 

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

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Steve Barclay, now environment secretary, accepted a donation from a climate sceptic.

WWW.THEGUARDIAN.COM

Exclusive: Steve Barclay accepted £3,000 donation from Michael Hintze, a key funder of Global Warming Policy Foundation

 

Illegitimi non carborundum

 

 

 

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and the Tory party accepted over £3 million in bribes donations from energy companies and other polluters for profit

 

No wonder they effectively gauranteed record profits for the energy companies to the tune of billions of taxpayer money during a crisis

(the only crisis was for tax/bill payers)

 

WWW.THEGUARDIAN.COM

Millions given to party and MPs last year came from entities linked to fossil fuels, high-polluting industries and climate denial

 

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

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and of course, the Tories think they might have a few more £billion off the taxpayer than they thought they would next year

.. so will they give some of it back to the taxpayer? or use it to repair roads or actually give 350M a week to the NHS?

NOPE

Reduce inheritance tax for the richest ... is their priority

 

WWW.THEGUARDIAN.COM

Chancellor considering move after fall in inflation and being told he will have more money to spend

 

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

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I dont think the Tories give a damn - they are so behind in the polls they are just asset stripping and giving all they can to those who pay them and might give them jobs when they are trounced

.. the worse shape Britain is in when Labour take over - the better seems to be the only Tory plan

Edited by tobyjugg2

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

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Cant afford green policies?

Well, apart from the simple oft demonstrated fact - green policies are a boon to economies if not munged by self-serving politicians ...

The cost of not is:

 

This week, the United States published its cyclical assessments on the climate crisis. It is the “gold standard” report on how rising global heat is impacting the nation - and what the future is likely to hold. 

The report found the US is warming about 60 per cent faster than the world as a whole, and it is experiencing a billion-dollar disaster around every three weeks on average, compared to once every four months in the 1980s.

Extreme events cost the US nearly $150bn each year - a “conservative” estimate, the National Climate Assessment said.

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

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WWW.THEGUARDIAN.COM

Many of the chemicals being spread as sewage sludge are untested or can’t be assessed. That’s why I’m suing for answers, says Guardian columnist...

 

Illegitimi non carborundum

 

 

 

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The world’s top greenhouse-gas-producing countries plan to increase their emissions enough to surpass the 1.5 °C warming limit, despite having made net-zero pledges. The peer-reviewed research report analyzed governments’ emissions plans from 19 of the 20 biggest emitters.

* Governments project that they will burn 460% more coal than 1.5 °C warming would allow.

* Oil production will exceed the limit by 30%, and gas by 80%.

With green-energy technology advancing, there is a risk that these nations will waste millions on resources that will soon be unnecessary.

 

- Nature Anthropocene and  United Nations Environment Programme Production Gap report

Edited by tobyjugg2

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

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and the seas are getting deeper with human driven climate change sea level rise increasing pressure at the sea beds ..

Not just increased volcanic action

 

WWW.INDY100.COM

There is much we still don’t know about the inside of our planet – but scientists recently discovered water is slowly leaking down there from the...

 

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

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Oxfam report shows huge difference in pollution effects between rich and poor.

 

WWW.THEGUARDIAN.COM

‘Polluter elite’ are plundering the planet to point of destruction, says Oxfam after comprehensive study of climate inequality

 

  • I agree 1

Illegitimi non carborundum

 

 

 

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the anti-vaxxers families will be worst hit in these self-inflicted horrors - although it does impact us all

 

WWW.LIVESCIENCE.COM

Declines in measles vaccination during the COVID-19 pandemic have been tied to an uptick in measles cases, deaths and major outbreaks worldwide.

 

Edited by tobyjugg2

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

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  • 2 weeks later...

if you thought copout 26 and 27 were a waste of time and energy

- this one is shaping up to be a lulu

 

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

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Doesnt want to be challenged on his roll backs on commitments - even at an oil kingdom

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

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you never know, perhaps Sunak is going to unilaterally edict/declare Somalia and Afghanistan safe places to traffick people to while hes at it to give him some options? .. and negate the need to bring Afghan troops who supported the UK here.

 

Edited by tobyjugg2

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

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and on a simple factual note 1.5 degrees is almost history without EPIC efforts by the whole world - which simply isnt happening. In fact even existing far to low commitments aren't happening. Greenhouse gas emissions continue to increase.

We are now on target for 3 degrees of warming at least this century - and almost certainly by the 2050s

 

We are at the stages where we may have to dramatically pollute the atmosphere to prevent runaway (Venus effect) heating - back to London smog type levels unless the upper atmosphere can be specifically targeted.

OK you you live in a fully air conditioned shelter and food chain collapse isnt an issue

 

I know- sounds more like TORs conspiracy rubbish - but the figures are there. We need to reduce greenhouse gas emissions by 40-50% before 2030 to avoid this

Edited by tobyjugg2

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

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and along with his (allegedly) using cop28 as little more than an oil and gas sales seminar to give him access to buyers

 

WWW.THEGUARDIAN.COM

Exclusive: UAE’s Sultan Al Jaber says phase-out of coal, oil and gas would take world ‘back into caves’

 

bloody farce

  • Sad 1

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

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A very conservative report

 

CLIMATE.COPERNICUS.EU

Earth briefly passed a critical warming threshold this past weekend. According to data from ERA5, the European Centre for Medium-Range...

 

The ERA5 data indicate that the global surface air temperature on 17 November reached 2.07°C above the pre-industrial average, an average temperature taken between 1850-1900 prior to extensive use of fossil fuels. Also, the provisional data for 18 November indicate a temperature anomaly at 2.06°C above the pre-industrial level.

 

and this is extremely conservartive. My estimations based on the last 5 years seem to put the median at the top of the shaded bit - not the dashes in the middle. - Which of course means the shaded range should be far higher - bet it is next year when its almost certain 1.5 degrees will be breached (for more than a month)

Climate-charts01-01Temp_1000px.png

 

Edited by tobyjugg2

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

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On 20/08/2021 at 08:00, tobyjugg2 said:

Lets be quite clear

Blue Hydrogen is not in any way Green hydrogen or green energy, and supporting that industry with taxpayer money is a monstrosity

 

Green hydrogen is an entirely different matter and should be supported.

 

WWW.THEGUARDIAN.COM

Low-carbon hydrogen economy could also create thousands of jobs

"last week a study by academics at Cornell and Stanford universities in the US, warned that blue hydrogen could be up to 20% worse for the climate than fossil gas owing to the emissions that escape during its production, multiplied by the amount of gas required to make the equivalent amount of energy from hydrogen."

A reminder from a couple of years ago..

.. and here is

WWW.THEGUARDIAN.COM

A taxpayer-funded drive for ‘blue’ hydrogen is good news for fossil-fuel lobbyists, but bad news for the climate crisis, say climate academics Kevin...

 

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

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On 03/12/2023 at 11:25, tobyjugg2 said:

and on a simple factual note 1.5 degrees is almost history without EPIC efforts by the whole world - which simply isnt happening. In fact even existing far to low commitments aren't happening. Greenhouse gas emissions continue to increase.

We are now on target for 3 degrees of warming at least this century - and almost certainly by the 2050s

 

We are at the stages where we may have to dramatically pollute the atmosphere to prevent runaway (Venus effect) heating - back to London smog type levels unless the upper atmosphere can be specifically targeted.

OK you you live in a fully air conditioned shelter and food chain collapse isnt an issue

 

I know- sounds more like TORs conspiracy rubbish - but the figures are there. We need to reduce greenhouse gas emissions by 40-50% before 2030 to avoid this

The Great God of 1.5 degrees 🤣🤣🤣
 

For alarmists, Al-Jaber’s linking of his remarks with the 1.5°C limit was very unfortunate. The idea that humans need to cap a rise in global temperature to 1.5°C is an invented number designed to invoke panic and concentrate the political mind. The setting of an arbitrary target is credited to IPCC lead author and former climate adviser to Angela Merkel, Hans Joachim Schellnhuber. At first he set the limit at 2°C, and in 2010 he was asked by Der Speigel why he had imposed the “magical limit” to which all countries must adhere. In reply, Schellnhuber said: “Politicians like to have clear targets and a simple number is easier to handle.” The ploy was so successful that it was ratcheted down to a scarier 1.5°C  to persuade politicians to sign the Paris climate agreement in 2015.”
 

 

DAILYSCEPTIC.ORG

COP28 President Sultan Ahmed Al-Jaber sent the alarmists scrambling for damage limitation this week when he said there...

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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1.5 was a crucial target - which has been missed - thanks to people like Sultan Ahmed Al-Jaber, and the Tory and US right wing

Its now a target to get back to.

 

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

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A little reminder, party names may change

 

 

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

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