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    • what solicitor is the PAPLOC from? then just search xxxx snotty letter dx  
    • moved to the debt self help forum. plenty of like threads here to read along with the ones you've done so far..good work. last thing you ever want to do is look at any kind of IVO/BK or anything alike concerning consumer debt, never do that, turns unsecured debts into secured ones in many instances. your best bet for now is p'haps looks at  Options for dealing with your debts: Breathing Space (Debt Respite Scheme) - GOV.UK (www.gov.uk) sadly you have to go thru one of the free debt charities to invoke that but DON'T be tempted to also open up a DMP with them, just get the Breathing Space done. get that in place that gives you at leasy 60 days buffer you've also goto to realise you'll probably get a default once breathing space is in place, bit if not it might pay you to withhold payments even after BS then p'haps re start payments once a DN for each debt is issued and registered. at least that way, whatever happens in 6yrs the debt will drop off dx  
    • Hello, I am a private seller and recently sold a pair of trainers on eBay.  Everything seemed fine until just after the eBay 30 day mbg had expired.  The buyer contacted me with photos showing me that both shoes had ripped.  He wanted his money back, and after refusing to refund him, he then left me retaliatory and defamatory feedback on my profile to the effect that I had sold him fake trainers (this was removed by eBay).  He then initiated a chargeback via Paypal.  Invariably, the outcome was in his favour, and I have now been charged for the cost of the trainers.  I would have also been stung for the chargeback fee, but eBay refunded this.  Incidentally, I do have the email receipt of the trainers from when I bought them from a well-established and bona fide online retailer.  The susbequent conversation with eBay followed its predictable course, i.e. the chargeback is out of their hands etc. I have been in contact with citizens advice, and my bank.  Citizens advice told me that as a private seller I'm responsible for the "Title and description" of the goods, but not the performance, or the fitness for purpose.  To me it is clear; if you receive something that's not as described, you don't then use the goods, and more than 30 days later claim 'not as described'.  In my mind, this makes the claim fraudulent.  He's used the 'they're fake' card to give credence to a 'not as described' claim here, obviously, without any evidence.  My understanding is that the chargeback is unlawful, because the trainers were shipped as described.  However, I read something on an eBay forum regarding sellers having no statutory rights, i.e. no right to appeal against a chargeback decision, or to complain to the financial ombudsman.  Does this mean that if my bank disputes the charge on my behalf, it will be to no avail, even if it's recognisably a fraudulent chargeback?  I have reported it via the Action fraud website. Any advice, anyone?  Would be most grateful!
    • Thank you, I have drafted my letters and started to complete the reply form, printed from this site and not using the one they provided.    2 questions, on the forum link it says to tick box D & I, the reason for box D will be given on my thread, what would my answer be to "I dispute the debt"?  Do I send anything for the Vodafone debt they have included?  I've only done 118 loan s. 77 & capital one credit cards so. 78    Thank you  
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    • We have finally managed to obtain the transcript of this case.

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Mutating Corona Virus


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TJ, the reason I used the term 'very vulnerable' is because I have huge empathy for those who are having lived with someone going through chemo  and little patience with the vast majority who declared themselves exempt from mask wearing.  They are the very people who could wear a mask but chose not to because they liked the idea of being special and above the rules.  There is a large crossover of those who would label themselves vulnerable when it suits them and do nothing to protect others while expecting others to protect them.

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as pics aren't allowed anymore and probably nobody would open a pdf making the effort pointless

 

Neither person wearing a mask = 90% risk of transmission

Just None infected person wearing a mask = 30% risk of transmission

 

Just infected person wearing mask = 5% risk of transmission

- 6 times LESS likely to transmit than just the 'others wearing masks

 

Both/all wearing masks = 1.5% risk of transmission

- 12 times LESS likely for transmission of the virus than just 'others wearing masks

 

 

ah redundant - HB found it

Edited by tobyjugg2

The Tory Legacy

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Crumbling Hospitals, Schools, council services, businesses and roads

 

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

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16 minutes ago, hightail said:

TJ, the reason I used the term 'very vulnerable' is because I have huge empathy for those who are having lived with someone going through chemo  and little patience with the vast majority who declared themselves exempt from mask wearing.  They are the very people who could wear a mask but chose not to because they liked the idea of being special and above the rules.  There is a large crossover of those who would label themselves vulnerable when it suits them and do nothing to protect others while expecting others to protect them.

 

I think no-one should be exempt, and those who simply chose NOT to wear masks indoors in busy places are worse whether the law 'allows it' or not.

 

As bad or worse than someone driving through a supermarket car park on a video call on their phone.

At least the potential car victims can see and hear the car coming and actually have a chance of jumping out of the way - a covid victim is blindsided and likely to take it home to infect their loved ones

- all for want of wearing a mask while in a supermarket or bus.

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

 

10 years to save the Vest

After Truss lost the shirt off the UKs back in 49 days

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56 minutes ago, honeybee13 said:

TJ, are you saying you can't see the graphic I just put up? Fwiw, I open pdf files if people post them. :)

I posted that in tandum and saw your post after

 

Just a sec HB .. sorting out the TTIP pdf ...

 

.. oops to big for the site :-)

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

 

10 years to save the Vest

After Truss lost the shirt off the UKs back in 49 days

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1 hour ago, tobyjugg2 said:

all for want of wearing a mask while in a supermarket or bus.

As far as I can see the majority still are - and I'm just back in from a supermarket trip.

 

Where I've got incredibly frustrated is the kneejerk reaction to the announcement it would no longer be compulsory as if we would go from hero to zero in one quick jump.  The situation whenever I was out and about was that around 15% never did, another 30% or so had them pulled down so didn't cover both nose and mouth.  Those are the people who will give them up completely.  You may say it was better than nothing and maybe so but in reality the change is not as great as it seems.  There never was 100% compliance.

 

Things are also different now in that many of us are vaccinated and even the not so good vaccines do seem to offer worthwhile protection.

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kneejerk reaction? - you talking about johnson removing the need for masks I assume, and the 'kneejerk reaction of an increase in not wearing masks?

 

I'm seeing, and seen, nothing like those figures you state although I realise that the situation differs around the country and even from town to town. Much better compliance - until now

 

 

All this is moot as the simple, most effective way to reduce transmission *even better than jabs* is if everyone wears masks indoors in busy places

Jabs would seem to only roughly half the transmission rate ... and not that with certain vaccine/strain mixes,

see the graphic for mask wearing

 

The ONLY 'justification' I can see to drop mask wearing - is to INCREASE coronavirus transmission.

and I see no credible reason to think that is a useful outcome, let alone the lack of any apparent management of or preparation for that outcome.

let alone the risk of mutating a number of really bad strains or even 'the big one' out of that policy.

 

If it was gaining time to ramp up mitigations and NHS preparedness ...  .. but thats already been thrown away repeatedly

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

 

10 years to save the Vest

After Truss lost the shirt off the UKs back in 49 days

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add this

 

"Border Force was instructed to stop checking the Covid status of passengers from green or amber-list nations on 19 July, when most lockdown restrictions were lifted in England. This means there is also no official check on whether these travellers have booked Covid tests or filled in passenger locator forms to say where in the UK they will isolate if necessary"

 

red list? Why would anyone travel to the UK from a red list country when there are so many others to route through

-  a country hopping traveler to and from wherever he likes

 

 

 

WWW.INDEPENDENT.CO.UK

Authorities losing track of people entering country with virus, union warns

 

Edited by tobyjugg2

The Tory Legacy

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Crumbling Hospitals, Schools, council services, businesses and roads

 

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

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10 years to save the Vest

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"After all but declaring victory over the virus earlier this year, Israel is set to reintroduce restrictions. The measures include requiring vaccines and masks for more kinds of gatherings, a work-from-home policy and more sweeping travel restrictions."

-NYT

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WWW.INDEPENDENT.CO.UK

The Coronavirus Files: After Sars swept across the globe, the UK drew up a plan for fighting an airborne virus arriving in Britain from China. The 2005...

 

 

The Tory Legacy

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Crumbling Hospitals, Schools, council services, businesses and roads

 

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

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10 years to save the Vest

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WWW.CONSERVATIVEWOMAN.CO.UK

We utterly deplore this reckless vaccine rollout to children

 

Found this on Twitter, Thoughts folks?   We can follow the need to vaccinate adults,  and the rollout seems to be bearing fruit, but maybe children who may be more at risk from the vaccine is a step too far?

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only a brief view so far but certainly seems a con-wom

 

Mix and match stats to suit

adverse reactions to a tiny % of adults presented to imply/infer/link that its referring to kids,

none of the recent study stuff which despite being VERY conservative and risk averse (in the real meaning) still show that Infections and spread in children and young adults is increasing immensely with new variants

 

* long covid is still a significant issue even in the very conservative and limited studies

 

I understand the conservative stances when dealing with kids, but the latest stats and info needs to be used, not miss-presenting out of date stuff that was never really 'in date'

 

 

 

Edited by tobyjugg2

The Tory Legacy

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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

 

10 years to save the Vest

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note there are no links to real studies.reports to support the rhetoric - its just an opinion piece, and a bad opinion IMO

 

Its the same sort of stuff Connif does - report false stats with circular support from other niche nuts if anything at all

See also piers Corbyn

 

Edited by tobyjugg2
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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

 

10 years to save the Vest

After Truss lost the shirt off the UKs back in 49 days

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I think it was the Washington Post that said earlier that a lot of the studies on covid effects and vaccination on the under 18s are from the UK and being read worldwide. So no excuse for a UK based organisation not to read them.

 

ETA: Has anyone spoken to people who don't want to be vaccinated? A friend of ours who's a doctor has had to stop talking to her grandchildren about it because they only want to believe what they read on social media, stuff like Bill Gates wanting to track them or being turned magnetic.

 

I spoke to a friend who's 30-ish and she thinks it will stop her having children if she's vaxxed.

Illegitimi non carborundum

 

 

 

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Israel is one of a number of 'more reliable' sources IMO - too much political interference with the UK reports (IMCCO)

 

note a number of US and other journals are qualifying 'differing reports'/implying 'take with a pinch of salt' with some of their UK stats/claims reporting

Some gently/some more clearly

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

 

10 years to save the Vest

After Truss lost the shirt off the UKs back in 49 days

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14 minutes ago, honeybee13 said:

I spoke to a friend who's 30-ish and she thinks it will stop her having children if she's vaxxed.

 

I can actually part understand that.

The reports on tests to see what the best 'vax interval' are for pregnant women are not presented  well

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Crumbling Hospitals, Schools, council services, businesses and roads

 

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

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After Truss lost the shirt off the UKs back in 49 days

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Its problematic as no long term data, and Phase 3 trials are on until 2023, so no concrete data on anything as yet realistically.

We could do with some help from you.

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just google 'pregnant vaccine; and see all the wordpress.com 'vaccine causes 4 out 5 miscarriages depopulation agenda etc

 

Those sites are IMO criminal, and wordpress.com should be prosecuted with no freedom to lie through our teeth excuses

 

Real sites with real info are swamped

Edited by tobyjugg2

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Crumbling Hospitals, Schools, council services, businesses and roads

 

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

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Needs a proper examination of data and allow the facts to be settled. Test the pro's and Cons.

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46 minutes ago, brassnecked said:

Its problematic as no long term data, and Phase 3 trials are on until 2023, so no concrete data on anything as yet realistically.

??

Expand please

 

there are hundreds of millions of people vaccinated, many millions of which were pregnant

That the vaccines are as yet emergency approval largely due to very proper procedures and processes doesn't dent the real world data?

 

That there are no long term results from the 'new' mrna vaccines is true, although the technology itself is not new, it is new to application although is one of the longest used and more closely monitored of them all

 

There are years and years of data on adenovirus vaccines - including some known barriers re the body fighting the 'carrier' we have yet to hit

 

That they all carry some risks is unquestionable, as there is with absolutely everything including eating one heinz bean.

 

 

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Crumbling Hospitals, Schools, council services, businesses and roads

 

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

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10 years to save the Vest

After Truss lost the shirt off the UKs back in 49 days

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43 minutes ago, brassnecked said:

Needs a proper examination of data and allow the facts to be settled. Test the pro's and Cons.

 

yes it does - openly/transparently and honestly

but IMO there is enough data to declare minimal risk for the gains

 

and both the UK and Germany shamefully rejected temporary removal of patent rights - despite the UK's program receiving massive international funding - pfiser largely didnt

Edited by tobyjugg2

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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

 

10 years to save the Vest

After Truss lost the shirt off the UKs back in 49 days

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BN

Just occurred to me

that the UK granted emergency approval to the O/AZ vaccine apparently based on VERY few results (was it about 80?) and those quite clearly open to question (see prior links) is unusual

- all the others I've seen, even chinese, had far more stringent Emergency approval criteria. Not sure about the Russian one.

 

Certainly cause some for concern and truly shocking and trust destroying regarding a UK/Oxford brand

 

Has the O/AZ been given the EA even now by the US ? Not last I looked.

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