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    • I wouldn’t want to live under a repressive government that had a centrally controlled economy and actively suppressed dissent. Yet such an economy could bring massive resources (financial and manpower) into play.   Coronavirus: How can China build a hospital so quickly? https://www.bbc.co.uk/news/world-asia-china-51245156   It isn’t just that it is being built so quickly, but also that it is being built with infection control in mind, and means other healthcare facilities can transfer suspected cases there, retaining their capacity to treat non-respiratory illness patients.
    • I cannot see how they can issue a Court claim, if they have not issued a default notice.   You might owe a debt, but if the terms of the account require the Bank to take certain actions before they could enforce the debt in a Court, then I would suggest you study the account terms/conditions very carefully.  If you can become expert in understanding the account terms, this might come in handy, if you ever did have to defend a Court claim.
    • The key determinant to UB’s scenario is : at what point in relation to when they develop symptoms are those people infectious.   Chickenpox, for example, is infectious (by airborne droplet spread) 2 days before the rash appears. So, the patient might feel a “bit unwell / virally ill” without any specific signs, and not have sufficient symptoms / signs to allow action to be taken.   There isn’t enough data (yet!) to know when 2019-nCoV becomes infectious.   https://www.cdc.gov/coronavirus/2019-ncov/about/transmission.html   “Best guess” is when they start having symptoms of coughing and sneezing, at least that will be peak infectivity.   If they are soon to become symptomatic, how infectious is a single cough or sneeze? Nobody yet knows. Edit: hot off the press: China coronavirus 'spreads before symptoms show' https://www.bbc.co.uk/news/world-asia-china-51254523   As for “Do the Government/NHS have sufficient contingency measures in place to deal with any such crisis ?“   The Agency leading (at least for England, each of the other 3 nations of the UK has a similar body) is Public Health England. It isn’t part of the NHS per se, (but works with the NHS). It is “government”, but quasi-autonomous.  It describes itself as “We are an executive agency of the Department of Health and Social Care, and a distinct organisation with operational autonomy”.   PHE has issued guidance, both for primary care and secondary care, for (amongst other things): a) who gets tested, b) case management, and c) infection prevention measures.   Whilst more information specific to 2019-nCoV is being learnt, these are pretty much based on what we know from SARS and MERS, but I’d expect them to get “fine-tuned” as we know more.   So, there are plans.   2 factors spring to mind immediately, though.   A) Can the plans be fully implemented? Hospitals are already facing bed pressures. If demand for resources (such as FFP3 masks) soars: will supplies match demand? (Both for “total number of units available overall, over the total period of demand”, but equally importantly  “supplies deliverable on demand: what would be the equivalent of ‘cashflow’ for a bank“)   B) Availability of testing. With a small number of cases meeting the case definition, each can be tested. If 2019-nCoV becomes widespread, will the availability of testing match demand? What will the turnaround time for testing be?   Will testing matter if it becomes widespread? At the moment, there is widespread availability of testing for Flu and the most common respiratory viruses. This is useful so that they can prioritise the isolation of Flu A patients in hospital, and offer them treatment for FluA, and Mrs Bloggs who looks like they might have flu, but actually has picornavirus on a background of chronic bronchitis doesn’t get isolated and doesn’t get flu treatment once her results are back.   Will testing matter as much for 2019-nCoV? Not for treatment (as there is no specific antiviral at the moment). How about for decision on isolation? That’ll depend on how many cases there are (there may not be enough side rooms), and if testing supply can match demand.   (not quite “worst case” but “not great case”) scenario is : A) Hospital wards: not enough side rooms. “Cohort nursing” in bays (or even “cohort wards”), so Mrs Bloggs with her rhinovirus and chronic bronchitis gets put in the bed next door to Mrs Bull who has 2019-nCoV (or, even: next door to Mr Bull, if things get bad enough the ‘same sex’ rules get suspended). B) Split Emergency Departments. Non “?flu, ?2019-nCoV” go to one side, those with compatible respiratory symptoms go to another waiting area. All the respiratory symptom patients lumped in, waiting, together. I’d expect once people realised where they would be waiting they would only go if they really had no other choice ...... On the plus side, much was learnt from the SARS outbreak, so they are better informed than when they first faced SARS
    • You don't get a good deal from the USA, look at all the tech we gave them during and after World War II, then they tried to stop us using the tech we invented and provided to them.
    • Millions (literally) of people commit speeding offences every year. If every one of them lost their job as a result those millions would be unemployed. I know of few jobs where a single speeding conviction would result in dismissal.   Should you be unfortunate enough to be in this position again simply follow the process as laid out in the paperwork. Don't get smart and start prattling on about your (mistaken) rights under GDPR or whatever. As you have seen, by the time you've established your rights correctly you will face a court hearing. You can ask for "photographs to help identify the driver" before you return your driver nomination form (though that does not stop the 28 day clock measuring the period in which you have to respond). Don't ask for "evidence" as it may be taken that you are disputing the matter and out-of-court disposals (far and away the most favourable option) may not be offered. You have no entitlement to evidence unless the matter goes to court. Most forces will provide such photos (though they don't have to) by giving you a link to follow. They rarely help in identifying the driver because their purpose is to identify the vehicle. Identifying the driver is your responsibility and if you fail to do so without a valid defence you commit a more serious offence which carries a hefty fine, six points and an endorsement code that will see your insurance premiums rocket.
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nacro

been with Money Plus formally Debtfreeme for years - now CCA time!!

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Hi

I am new to the site and just learning how to navigate the forums.

 

Hoping I am now in the correct place to get some helpful advice.:?:

 

I have 4 very historic debts being managed for the past 6-7 years by CABOT and 1 with PRA.

 

In the past few weeks,

I requested a CAA and SARs from both which was a very revealing exercise.

 

Low and behold:!:

CABOT replied saying they could not find CAA for 3 historic debts so these are unenforceable but that I should continue with my monthly payments to my DMC.

 

PRA replied very differently saying "current accounts do not require credit agreements and therefore no credit agreements have been set up when opening the account".

 

How can these 2 Debt Companies behave and respond differently:?:

I now plan to stop monthly payments to CABOT and would like your advice if there will be consequences!

 

I am currently 70+ in poor health and want to be debt free in 2019:!:

I have also sent GP medical and Cardio reports to both companies but did not receive any compassionate response:sad:

Many Thanks for any advice and direction given.

 

nacro:help:

Edited by dx100uk
spacing

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It would be helpful if you would space out your posts a bit more. It is quite difficult to read blocks of text on a screen and it tends to discourage people from getting involved and giving their help.

 

Thanks


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spaced for you.

 

theres little point in ever sending an sar to a DCA..

 

pers id stop paying everything.

 

you say DMC, I hope this is not one of the fee paying ones is it?

cash cowing even more money out of that I doubt ever went off the debts and paid for everyones xmas parties all the years you've been blindly using them to pay their mates they often worked for in the various DCA's.


..

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For the ones with cabot. stop paying and ignore them. If they cant get the CCA then theres nowt they can do


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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Thanks, Cagger and renagadeimp

Very helpful advice on both accounts and just confirms what I was planning to do with CABOT. Was less sure about PRA. The SARs sent to both has proved useful as it exposed a number of admin irragularities with both which could be useful and as a back up if any further action is taken.

 

 

nacro :amen:

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Money Plus formally Debtfreeme....and paying £46 per month. Unfortunately when I first got into debt knew very little about similar consumer groups as youself!

nacro

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Ditch the DMP now. That money is wasted and could be used for legit debts. They wont care if those debts are enforceable or unenforceable. They just want your money.


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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yep dump them NOW

just stop paying them.

send them an sar too!!

there will be a hidden pool they've taken for a full and final settlement pond that you didn't even know about

in all truth its their daily drinkies money

you want evidence of that

but DO NOT TELL THEM WHY YOU WANT THE SAR.


..

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Money Plus formally Debtfreeme....and paying £46 per month. Unfortunately when I first got into debt knew very little about similar consumer groups as youself!

nacro

 

 

If this is the same company, I would dump them now. Check out their fees. Extortionate I feel

 

http://tinyurl.com/ya2uw7qm


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49% of the monthly payment for their own pockets? scandalous


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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Thank you all for this helpful advice which has now given me the confidence to stop all current payments.

 

I have already got a SARs from both CABOT (showing one of the debts had been written off last year due to being a vulnerable person!!)

However when I read the PRA SAR I noted a discussion in the debt team which made an assumption re one of my Bank Statements saying

"I appeared to have other income posssibly from a rented source" when in fact I had got this from extra work income during that time...

 

.when pointed out they apologised but is this good enought and professional when discussing vulnerable debts?

 

nacro

Edited by dx100uk
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they have no business having nor discussing your pers details.

 

dx


..

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thanks...especially when they get it wrong/false assumption....can this be reported or kept as "dry powder" for use if needed later on?...so SARs can be very very useful

 

nacro

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Ta....will do and keep you updated.

Also when I sent my GP and Cardio reports to both CABOT and PRA which was turned down so I asked that a competent medical person assess these. This again was turned down saying "this was not needed as team was experienced in these matters"..should we be campaigning for this to change from experienced amatures to medical professionals doing Health Aassessments?

 

nacro

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they are not interested no campaign will change their attitude, if there was this would of happened decades ago, they refuse so keep their refusal letter safe


:mad2::-x:jaw::sad:

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Ta....this managing of debts seems to lack real transparency....competency of staff/admin errors/how final decisions are made etc and to think firms like CABOT wanted to register on the Footsi 100 last year:-x

 

nacro

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all about sick money men, the evil of the world/businessmen/governments MPs etc not allowed to say dictatorship ooopppsssss zzzooommmm


:mad2::-x:jaw::sad:

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Debt collection agencies work purely on numbers-nothing personal. They will buy a portfolio of debts for pennies on the pound. If a debt is newer [say, around 18 months old] the buyer will pay more than for debts nearing a six year old mark.

Other companies will buy debts that are being repaid to the original creditor and are fairly sure that the repayments will continue under the new company.

 

Some companies have a welfare department who will listen to debtors and make decisions based on that (and written evidence) whereas some others don't bother at all-it's all about the numbers.

 

It's no wonder that debt collection agencies make good profits once the facts are known.


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Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Thanks, Silverfox for this information and education as I am now beginning to understand better how these debt collection agencies work esp how they assess and price debts older then 18months. As most of my debts are 7plus years they must have bought them for very little so currently making a nice profit from my distress:violin:

I am afraid the welfare depts in both PRA and CABOT were not very sympathic in my case even though I sent GP and Cardio reports. Do you know if there is cut off time for debt collection. In my previous life I managed a number of homeless exoffender hostels and every year it was our custom to write off all bad debts and begin anew in the new financial year!!

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" Welfare depts in both PRA and CABOT were not very sympathetic in my case "

 

Welfare Depts...and Debt Buyers...think you you need to read a bit more :wink:


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agreed but where would be a good place to start to read and learn. Because of my own debt situation, I am now intrigued as to how this debt industry functions with the buying and selling of debts (peoples distress) as if these were just another comodity like a tins of beans or better still toilet rolls:sad::sad:

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biggest financial industry there is the buying and selling of debts portfolios.

if everyone stopped paying DCA's the whole industry would collapse tomorrow.

 

nothing better than our search cag box here nacro.

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