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    • As for: 1. “Smallpox is just one thing,“ I don’t know what you mean by “just one thing” (especially when you are trying to put words in my mouth / create a “straw man”) - so it’s hard to answer. If you mean “one vaccine target not mutating over many centuries“ - yes.   “we have a 'cure'” : I never said we have a cure, yet another attempt to put words in my mouth. As for “treatment” rather than “cure” : Work on Cidofovir and its analogue brinCidofovir started, though they never got FDA approval. Tecovirimat: FDA approved.   “and its gone forever (apart from 2 declared labs (and maybe one alleged other lab at most))“   Never said that either. Official stocks are held in 2 labs (hey! You haven’t named the 3rd lab you said held stocks, and now your position has changed to “(and maybe one alleged other lab at most))“ - strange that!   A single case of smallpox anywhere in the world would be a global health  There might be stocks not found / not destroyed (though I’d hope not!) There might be “rogue actors” There might be “rogue nations” exhumed victims are a concern. None if that is in contradiction to what I’ve posted .....   ”Even if it isn't gone forever, we have the cure for the one virus which doesn't change/mutate” more trying to get me to say that which I haven’t said. We have treatments, we have vaccine. There are experts to rapidly identify any case, and (no doubt!) plans to isolate cases and contacts and ring-fence vaccinate. Some people can’t be vaccinated. There isn’t (currently!) enough vaccine to vaccinate the whole world. There are treatments. That is what I’m happy to say, but never have I claimed “there is a cure”   If smallpox re-emerges, if it isn’t contained rapidly I’d expect a massive death toll, followed by a renewed eradication program, then a period of post-eradication surveillance.....
    • Hi All,   I’m after some help regarding my current circumstances. I’ve been going through mental health issues over the past few months. Which has led to me to work part time as this moment of time.   I have a debt of around 25k in personal loans and 15k in credit cards. I’m in a position whereby I can not afford to pay anything towards these debts. What is the best solution towards this as I have to pay £550 towards the personal loans and around £300 for the credit card debts.    I would be grateful for your advice as this moment of time I am contemplating serious thoughts and I could do with some one that can help me find a way through this mess I am in.   kind regards,    
    • I found a life insurance policy, so there’s money, I’d rather try and get a settlement figure and pay them out the policy than have them put a charge on the house. I just begrudge using the money to pay that shit instead of the mortgage. 
    • Excellent so it is the Notice of Allocation with directions telling you the dates to submit your statement and evidence. I was just checking you had the correct notice.   Andy        
    • Why are you requesting settlement figures on credit cards ?   why are you engaging with them at all apart from sending a copy of the death certificate.   No estate = No money = no pay and then they will write them off..they have no other option....but you must not make payment from yourself not even the interest.   Andy
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PDL Cashfloat / Wester Circle - Default Notice being Threatened

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A friend of mine took out a loan with Cashfloat/Western Circle for £300 in September and was due to make the first payment in October. 

She didn't make this payment and when I told her about this wonderful site she hit them with an IRL claim

- they have already added some £155 in interest and charges  to date.


She is constantly receiving text messages about making a payment when there is an outstanding complaint against them. 

She has offered £10 a month and all charges and interest to be frozen but as the letter was sent at the end of October they have 8 weeks to respond.


Today she has received a text message threatening her with a Default Notice and adding this to her credit file unless they come to a new agreement. 

It states that a Notice of Default will be sent to her home address and also her email address.


She doesn't use the internet much so I said I would ask on here to see if there is anything she can do to stop this. 

Her next payment isn't due until the 29th November.


Any help or guidance would be appreciated as she's getting really worried about this with them threatening her with a Default Notice.


Thanks Jo 

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block the text /report as spam


block and bounce their email AD's


if her IRL complaint is successful the default must be removed


only converse ever in writing.





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Thanks, they have just emailed this to her.


DEFAULT NOTICE under Section 87 (I) of the Consumer Credit Act 1974
This is a Default Notice served under Section 87(1) of the Consumer Credit Act 1974.
In breach of clause [3] of the Agreement, reference XXXX, you have failed to pay the monthly instalments which fell due on 31-10-2019 on time and in accordance with the terms of the Agreement.
To avoid further action, please pay the arrears to us, which total XXXX by 04-12-2019.
If the action required by this notice is taken before the date shown no further enforcement action will be taken in respect of the breach.
If you do not take the action required by this notice before the date shown then the further action set out below may be taken against you.
If you fail to pay XXXX on or before 04-12-2019, we will enforce our rights and:
  • Send you a letter terminating your Agreement;
  • Demand you pay the balance due under the Agreement to us;
  • Report your default and non-payment to credit reference agencies; and
  • Issue legal proceedings and request Judgment for the balance due under the Agreement.
If the arrears are not discharged and the Agreement is terminated, you must make payment of the balance referred to above as a lump sum. If that lump sum payment is not made on 04-12-2019 balance will be recalculated as at the date when such payment is actually made or to be made.

In your own interests, you are strongly urged to contact us by telephone on 0203 757 1933.
If you have difficulty in paying any sum owing under the Agreement or taking any other action required by this Notice, you can apply to the Court which may make an order allowing you more time.

You should be aware that if we take you to Court and get a Judgment against you requiring you to pay us the money you owe us under the agreement, you may have to pay us both the amount of the Judgment and interest under the agreement on all the sums owed by you at the date of the Judgment until you have paid these in full. 
If you are not sure what to do, you should get help as soon as possible. For example you should contact a solicitor or your local Citizens' Advice Bureau.
This notice should include a copy of the current FCA's information sheet on default. This contains important information about your rights and where to go for support and advice.

If it is not included, you should contact us to get one.
If you would like to speak to us to discuss your arrears or the content of this notice, please contact us on 0203 757 1933
We look forward to hearing from you.

Yours Sincerely,

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A number of already existing PD loans that she has an arrangement to pay with and she's taken this one out - as the saying goes robbing peter to pay paul!

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Hi - just to update you on this.


My friend has now managed to stop the Default by agreeing to a repayment plan of £10 per month whilst she went through the IRL claim.  They have this week rejected the claim.


The original loan was for £300 taken out in September, they have added £210 in interest and charges since she couldn't make the payment due at the end of October!


Can she at least get the interest charges refunded so that it reverts back to the £300 - or is this not possible?



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off to the fos

PDL's always refuse IRL.




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Amazing thank you - will work with over the weekend via the pack on here :-)


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