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    • Yup, for goodness sake she needs to stop paying right now, DCA's are powerless, as .  Is it showing on their credit file? Best to use Check my file. All of the above advice is excellent, definitely SAR the loan company as soon as possible.
    • Hi all, I am wandering if this is appealable. It has already been through a challenge on the Islington website and the it was rejected. Basically there was a suspended bay sign on a post on Gee st which was obscured by a Pizza van. The suspension was for 3 bays outside 47 Gee st. I parked outside/between 47 & 55 Gee st. I paid via the phone system using a sign a few meters away from my car. When I got back to the car there was a PCN stuck to the windscreen which I had to dry out before I could read it due to rain getting into the plastic sticky holder.  I then appealed using the Islington website which was then rejected the next day. I have attached a pdf of images that I took and also which the parking officer took. There are two spaces in front of the van, one of which had a generator on it the other was a disabled space. I would count those as 3 bays? In the first image circled in red is the parking sign I read. In the 2nd image is the suspension notice obscured by the van. I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
    • Nationwide Building Society has launched an 18 month fixed-rate account paying 5.5%.View the full article
    • Well done.   Please let us know how it goes or come back with any questions. HB
    • Incorrect as the debt will have been legally assigned to the DCA and they are therefore now the legal creditor. Read up on debt assignment.   Andy
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      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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    • 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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Mutating Corona Virus


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WHO officially names it:

COVID-19

as the death toll passes 1,000

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Worth quick read (IMO)

 

 

 

"It’s no coincidence that some of the worst viral disease outbreaks in recent years — SARS, MERS, Ebola, Marburg and likely the newly arrived 2019-nCoV virus — originated in bats.

A new University of California, Berkeley, study finds that bats’ fierce immune response to viruses could drive viruses to replicate faster, so that when they jump to mammals with average immune systems, such as humans, the viruses wreak deadly havoc."

 

https://scienceblog.com/514136/coronavirus-outbreak-raises-question-why-are-bat-viruses-so-deadly/?utm_source=feedburner&utm_medium=email&utm_campaign=Feed%3A+scienceblogrssfeed+(ScienceBlog.com)

 

 

and

 

https://www.nytimes.com/2020/02/10/opinion/coronavirus-china-research.html?te=1&nl=morning-briefing&emc=edit_MBE_p_20200211&section=topNews&campaign_id=51&instance_id=15889&segment_id=21154&user_id=421a1aa0fd9d7488c1cb94836b119dd4&regi_id=80833938tion=topNews

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I don't pretend to understand all this stuff and exactly how the virus is transmitted, but I've wondered if it's a good idea to keep people somewhere with an air circulation system. The people kept on the cruise ship seem to be transmitting it to each other.

 

https://www.theguardian.com/world/2020/feb/18/global-health-experts-question-cruise-ship-coronavirus-quarantine-measures

Illegitimi non carborundum

 

 

 

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I don’t see all the posts on this thread, so don’t know if there is a context in which HB is posting / replying, but it is always a pleasure to respond to HB.

 

The issue the experts raise in that article is that passengers aren’t being offered the opportunity to “disembark and go into quarantine”.

‘Preventing travellers disembarking and travelling without restriction’ has been permissible for a long time : the phrase ‘quarantine’ arises from the 40 days people were quarantined from vessels approaching Venice in the 14th Century.

https://www.cdc.gov/quarantine/historyquarantine.html
 

What you would wish to avoid is “importing new susceptibles”.

 

Cruise lines have established policies for these situations : norovirus outbreaks are a problem for cruise, lines based on similar transmission dynamics (large droplet spread contaminating shared areas), with control measures including enhanced environmental cleaning and restricting passenger cases to their cabins.

 

Crew are a different story, as they live in much higher density cabins. My expectation is that affected crew will be ‘cohorted’ in an “infected crew cabin”.


Air conditioning shouldn’t be an issue, as the virus isn’t spread by ‘aerosol’ (like flu), but by droplet.

Plumbing would be more of a concern (as it was with SARS)

https://www.who.int/mediacentre/news/releases/2003/pr70/en/
 

until more is known of Covid-2019’s transmission and infect I ITU.


Sampling for those meeting the case definition initially included urine and stools samples. This was never realistically going to happen for the majority of those meeting the case definition (as few will be admitted to hospital, and if seen in A&E and not needing admission they’ll be sent home ASAP)

For those admitted, the stool and urine would have had to be collected & sent in the period before the initial test result came back : negative & there would be no need, positive (and needing to be in hospital)  and they’d be whisked off to one of the specialist units.....

 

Perhaps in recognition of this, the initial test set no longer includes stool and urine.

 

For the confirmed positives (9 so far....) the reference lab advises on ongoing sampling : they say “we’ll tell you what to send and when”, so it isn’t clear if they are asking for stool and / or urine, and if so, when ; either from the specialist units, or the recovered cases (at home).

Edited by BazzaS
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Current case contact tracing looks at environmental contamination, so not “someone sneezes on a bus, person the other end of the bus catches it” (‘aerosol’, like ‘flu), but instead, for a plane :

 

contact for > 15 mins, within a 2m distance.

That is based on the stats (isn’t it always?), and “having to draw a line somewhere”

it doesn’t mean you suddenly start being at risk at 2.00m from 2.01m, nor “can’t catch it at 14 mins 59 seconds”.

That is for the “well”, who would then be asked to self-isolate, and only screened if they develop symptoms.....

Edited by BazzaS
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My advice to a traveller : don’t wear a surgical or FFP2 mask. Wear an FFP3 mask ONLY if you know how to put it on and take it off AND know it fits you correctly (you’ve been “fit tested”), otherwise you are “making yourself feel safer” rather than “making yourself safer”.

 

Much more use is using hand sanitizer and / or washing your hands before touching your mouth, nose, or face, or eating.

To prevent you infecting others : “Catch it, Bin it, Kill it”

https://www.gov.uk/government/news/coronavirus-public-information-campaign-launched-across-the-uk

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6 hours ago, honeybee13 said:

I don't pretend to understand all this stuff and exactly how the virus is transmitted, but I've wondered if it's a good idea to keep people somewhere with an air circulation system. The people kept on the cruise ship seem to be transmitting it to each other.

 

https://www.theguardian.com/world/2020/feb/18/global-health-experts-question-cruise-ship-coronavirus-quarantine-measures

 

Yes, it does seem to be that the face masks, low level isolations (hardly quarantine status) and hand sanitising have NOT been very effective over the two weeks and seems more like a breeding nest than an isolation. Glad I wasn't on a cruise.

Of course it could be that all the folk that are infected were infected at the start of the quarantine given that the last figures I saw was that the statistics reported that only 95% of those infected showed symptoms by 12 days.

 

Interesting that the US has had its citizens returned ...

 

Its now clear that some, perhaps most who get infected will never show any significant symptoms and will get over a mild 'cold/chill/hangover' and be none the wiser, so that 95% at 12 days might well be optimistic or pessimistic.

 

The more encouraging side is that it does seem to be sticking just under a 2% mortality rate - probably less if there are far more infections than we are aware of.

We've had a lucky near miss I think - although it isn't over yet.

 

 

 

 

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A prof on science blog has been (for the last couple of days) gazzumping an announcement due tomorrow (thurs) and he says it will be epidemic

 

Seems to be a legit prof working in the field.

Edited by tobyjugg2

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6 hours ago, tobyjugg2 said:

A prof on science blog has been (for the last couple of days) gazzumping an announcement due tomorrow (thurs) and he says it will be epidemic

I have thought it inevitable to be honest though still think the media coverage is creating a climate of fear and creating headlines which cause unnecessary worry.

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It already is epidemic.

perhaps he meant the next stage ... pandemic.

 

https://www.cdc.gov/csels/dsepd/ss1978/lesson1/section11.html

 

media existing to sell newspapers / advertising space / looking to get viewer numbers ... who’d have thought it.

 

The media has a responsibility to give decent advice : appropriate concern rather than generating panic.

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13 hours ago, hightail said:

I have thought it inevitable to be honest though still think the media coverage is creating a climate of fear and creating headlines which cause unnecessary worry.

 

Interesting how we all see the news a bit differently

 

I thought the news was playing it as largely under control if rather sensationalist

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1 hour ago, hightail said:

Do you mean TV news or other media?  I’ve found TV/radio to be reasonably measured but get some headlines come up online which would make you think it’s going to wipe us all out.  

 

Good point

 

45 minutes ago, honeybee13 said:

Some people are saying that the Russians are trolling the internet to make people panic...

 

 

Practising and getting ready to support Johnson and Trump again, and any messing with their 'competitors' at VERY small cost is a good investment.

 

When some of our own news outlets spin constant crap  as hightail says, its even easier for Putin.

 

 

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Well Trump says almost no threat or risk to US and has put Pence in charge

The americans are f** ... in trouble then ..

 

 

Significant that there are (???) claims of infected people who have no known contact with zones or people at risk are starting to appear across the world.

 

If true perhaps does signify on course for a true global pandemic.

I'm still uncertain as to how bad that would be.

 

Edited by tobyjugg2

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At the risk of being part of the panic, what we seem to be seeing, even without the sensationalism, seems rather biblical to me

 

The latest virus may be a flash in the pan and 'just another' virus strain that will be in 2022's flu jab ... or not

 

but with floods happing multiple times a year overwhelming barriers that were made to contain what was 'once in a century' extreme events

and once or twice per century droughts going on for years

and once or twice a century massive wildfires happening every year

and the icecaps melting (far faster than commonly reported too)

and the coral dying

and massive algae blooms in the sea and Arctic/Antarctic (ex) ice fields

and mumps and measles returning (definitely through human stupidity and fake news re the jabs)

and antibiotics becoming ineffective (fact not fake news)

The Tory Legacy

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1 hour ago, tobyjugg2 said:

When some of our own news outlets spin constant crap  as hightail says, its even easier for Putin.

Someone on BBC radio this morning referred to it as a 'deadly' virus.  Why the need to add such adjectives?

 

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15 minutes ago, hightail said:

Someone on BBC radio this morning referred to it as a 'deadly' virus.  Why the need to add such adjectives?

 

 

and thats one of the milder references, let alone the daily bulls.. errr mail headlines that videos show people dropping in the streets in wuhan

 

 

although it is deadly aka it kills people - about 2% of those known to be infected.

- possibly nearer 1% if there are far more people infected than is believed - as seems likely

Edited by tobyjugg2

The Tory Legacy

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If only the Govt had thrown a protective ring around care homes

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19 minutes ago, tobyjugg2 said:

 

although it is deadly aka it kills people - about 2% of those known to be infected.

- possibly nearer 1% if there are far more people infected than is believed - as seems likely

There's a lot of other things just as 'deadly', the difference being they aren't unusual or newsworthy. 

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yes

SARS, Yellow fever, dengue haemorrhagic fever and TB,

 

perhaps more importantly:

Measles in the unvaccinated - at least similar to cov-19 and often higher

Whooping cough in newborns in developing countries-  about 3.7%

Chicken pox in newborns with unvaccinated mothers catching it around birth can be 30% fatal

 

 

BUT

With Cov the issue is how it may be spreading - and with a potential for killing 1-2% of the worlds population wherever you are.

Edited by tobyjugg2

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Seems a good overview of the wider situation to me:

 

https://scienceblog.com/514399/coronavirus-response-shows-the-world-may-not-be-ready-for-climate-induced-pandemics/

 

Edited by tobyjugg2

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I was thinking back to this sad but inspiring story the other day, the village of Eyam in Derbyshire during the plague. Article from the Guardian about whether people now will or would be selfless during a pandemic.

 

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Illegitimi non carborundum

 

 

 

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And less depressing, Emma Barnett trying her best to get the truth from Theresa Villiers. I feel sorry for Emma, she did her best. :) Scroll down past the photos at the top to the video.

 

https://www.theneweuropean.co.uk/top-stories/mp-theresa-villiers-refused-to-say-no-deal-in-bbc-brexit-interview-1-6535892

Illegitimi non carborundum

 

 

 

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Last one from me. It's not often I agree with George Osborne, but I think he has a point in his tweet earlier today. Boris has got round to convening Cobra at least.

 

'The British Government now needs to go onto a ‘war footing’ with the coronavirus: daily NHS press briefings, regular COBRA meetings chaired by the PM, Ministers on all major media shows. The public is fearful, wants information and needs to know their leaders have got a grip.'

Illegitimi non carborundum

 

 

 

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