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    • Ok, so just been to see my friend, she still has her head firmly in the sand and had a pile of unopened post, thankfully nothing serious apart from this case!    In answer to your question it says N24 General Directions Order at the bottom of the page, then on page 2 where the line says "As a result of an order made on the 1 May 2024, this claim has been transferred to the county court at ##### (friends local court) " this is N271 Notice of transfer of proceedings.  Within the stack of letters I found 2 from Kearns Solicitors,    02-12-2022 Document pack with covering letter stating under the s78 CCA please see enclosed  1) A copy of the executed Credit Agreement, 2)  A copy of the terms & conditions 3) A copy of the varied terms & conditions applicable at termination / assignment, and  4) A statement regarding the conduct of your account as requested by s78(1)(a) to (c)  (Would you like me to describe the documents attached?)   18-02-2023 Generic letter asking for her to contact them to discuss settlement or they will take to court for further legal action. 
    • well you made the cardinal sin by phoning these scammers at least once so their persistence could go on. however you are new so there you go. you never ever ever phone any of these likes of scammers on these fake schemes that seem plausible.  just like a DCA chasing any old debt .. they are NOT BAILIFFS and have  ZERO legal powers to actually do anything. dx  
    • Okay understood now just based on personal experience how long does this go on for 
    • civil recovery schemes run by the likes of RLP DWF etc etc are a scam. totally IGNORE EVERYTHING. no if's or but's dx  
    • I’m 17 years old and Received 2 letters from dwf with my name spelt wrong and they are asking for for £230.40. I rang dwf civil recovery the first time upon taking advice from citizens advice to explain to delay to deadline as I was in the process of receiving advice which wasn’t much help. When that deadline was done I then called again to delay the deadline as I’m struggling financially and it’s lot of money they are asking for and I tried to dispute the cost to which they said okay we will delay it another 7 days for you to dispute the cost but I asked them how do I dispute this to you or Sainsbury’s and they said “we can’t advise you on this matter” I’ve read a lot of threads saying to ignore them but I was unsure now as I’ve made contact and have tried to dispute the payment and pay it which might mean I have admitted. Would they just persist harder and take me to court eventually or file for a ccj.   I would like to ignore them still but I would like to send a strong email so they know I’m clued up and then ignore them. I also want to pay the reasonable amount and get this matter solved. any advice on the law or similar situations are helpful when I called them I asked for an itemised bill. £101 stolen goods  ( supposedly caught me because they watched me on cctv over the duration of the week) also why did they not stop me in the first day. £20.40 recovered goods £150 security costs     Thank you 
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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.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      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.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
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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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Mutating Corona Virus


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Apparently around 23% of those in hospital 'with' Covid are not there 'for' Covid but for other reasons.  I'd like to think this is one reason why the numbers of hospitalised cases among the vaccinated can seem high.  Does strike me as a ridiculous way of reporting the figures when they're trying to overcome vaccine hesitancy.  Feeds anti vaxxers arguments.  

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I think I read the other day that sadly some people have caught Covid in hospital.

 

Also that people have gone in for non-virus reasons and when tested have turned out to be asymptomatic but positive.

 

I don't know where they're counted.

Illegitimi non carborundum

 

 

 

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4 hours ago, honeybee13 said:

Also that people have gone in for non-virus reasons and when tested have turned out to be asymptomatic but positive.

 

I don't know where they're counted.

These are the people being included on the figures for hospitalised 'with' Covid.  That isn't the reason they're in hospital though and as you say, they aren't ill with Covid, just +ve. 

Edited by hightail
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Perhaps consider:

But still infectious, so will need to be isolated from other patients, largely all of whoms' immune systems will not be at their best?

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do we know how @snowdragon is currently since her pfiser jab?

The Tory Legacy

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

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Hi

 I am fine ty, no effects at all atm :) xx  Only thing I have atm is a cold lol xx   I  ahve go for an echo-cardigraph  when I make appointment as my Doctor  found I have a heart murmer ! Never been picked up on ECG  

 

Sandy xx

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Heart murmurs are apparently surprisingly common and often never even known until something else highlights them. I like deep breathing exercises along with some tai-chi movements to maintain calm and physical benefits

 

Very Glad you are free from negative effects from the pfiser - and almost certainly starting to benefit from the improved protection

 

 

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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See in Australia,  they have the military out enforcing lock down, with helicopters and drones.

 

Could you imagine the reaction in the UK if the same strict enforcement actions had been taken.

 

In regard to UK, I think it is quite possible there will be further lockdowns during Autumn/Winter due to new Covid variants. 

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Looks like Christmas will be cancelled again then UB.  Kappa variant then?

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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or even existing variants

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Yes very likely TJ.

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Government will be faced with very difficult choices.

 

I am hearing that some businesses are really struggling due to supply issues.  If they cannot sell the goods or provide the service, they may not have the cashflow to continue to pay wages. 

 

Any further lockdowns could force businesses to fail and Government may have to step in again with financial support to pay wages, as well as help with business expenses.

 

 

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Johnson doesn't care how much 'other peoples' debt piles up - its another consistent part of his history

 

Sunak will though ... even if its not focused on the reasons you or I would be worried

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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

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Wonder if its the right-wing/q-anon/brexiter types being hit hard there?

If so hopefully their attitudes will be coming more into line with reality.

-  Whoever it is - Get jabbed

 

 

 

WWW.ITV.COM

The leaders of emergency and health services in the area are urging people to remain vigilant even though restrictions have been lifted | ITV News...

 

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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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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23 hours ago, tobyjugg2 said:

Perhaps consider:

But still infectious, so will need to be isolated from other patients, largely all of whoms' immune systems will not be at their best?

True TJ.  It's more the effect such figures have on those who decry vaccination which bothers me.  That 40% of those in hospital 'with' Covid are vaccinated is one argument given against getting vaccinated for those looking for an excuse.  If it's only 15% of those admitted because of/needing treatment for Covid that's a very different picture.  The claim for the vaccine is that it will prevent severe disease or death and it seems to be living up to that claim.

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22 hours ago, snowdragon said:

  ahve go for an echo-cardigraph  when I make appointment as my Doctor  found I have a heart murmer ! Never been picked up on ECG 

 

Talking in general terms (especially as I don;t know the details of the type of murmur they've found, nor do I need to know to explain about the lack of correlation between ECG and murmur!)

 

Murmurs are related to flow (uneven / turbulent flow -> noise made).

Many are innocent and get found incidentally.

 

Echo-cardiography looks at flow, (using ultrasound and the 'doppler effect') so they'll (hopefully!) 'see' why there is a murmur (I say 'see', but the device 'hears' but converts that into a false colour picture, red and blue, of the flows).

 

ECG's (electro- rather than echo-cardiography) instead looks at the electrical signal associated with making the heart pump.

 

Someone can have an abnormal ECG with no murmur (the electrical signal is disordered, but the flow itself isn't turbulent enough to give even a slight murmur). There are LOTS of people walking around with AF (atrial fibrillation, a very common ECG abnormality) and no discernible murmur.

 

Someone can have a murmur (abnormal flow, indicative of a problem, or 'innocent' and merely an incidental finding), but a normal ECG.

So, never having anything picked up on an ECG doesn't rule in or rule out a murmur.

 

(For sake of completeness, and not suggesting this is the situation in your case!), a structural problem giving rise to a murmur can be significant enough to affect the electrical conduction, so a murmur and an abnormal ECG can be related. Equally, just because someone has a murmur and if they also have an abnormal ECG doesn't mean they are related ...... the ECG abnormality (or the murmur!) could have been there first, and they aren't related.

 

So, one might influence the other, but it is nowhere close to being 'causal link'.

 

So, expect an ECG (if you haven't had one recently) and the echo-cardiography - almost always a 'trans-thoracic echo' (TTE) to start.

Trans-thoracic: they look (using the ultrasound head) from the outside of your chest ; like an ultrasound in pregnancy, except from the chest rather than belly!

 

This gives a good enough view much of the time. Only if they don't get a good enough view (or for some specific conditions where the TTE doesn't give enough detail to rule them in or out) do they then need to consider a trans-oesophageal echo (TOE) - most of the time (for a murmur discovered incidentally, and not found when looking for a specific problem) the TTE is good enough.

 

You may get your answer the same day, or they might want the tapes of the echo reviewed by a cardiologist ; not getting your answer the same day doesn't mean there is a problem.

 

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41 minutes ago, hightail said:

I saw the news of the price hike for vaccines.  Is there any claim they'll use the revenue to make more available cheaper to poorer countries?

 

Not only that. We are apparently going to throwing a load of pfiser/moderna away

Irritating to me as I have trying hard so hard to get one

 

WWW.THEGUARDIAN.COM

Doctors across England raise alarm as 170,000 Moderna doses at risk of expiry within fortnight

 

 

Oh and this will be a gov/PHE decision not NHS

Edited by tobyjugg2

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with the same gusto they do around their crooked MPs

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In the US where there is a stronger anti-vaccine movement, the Hospitals are now becoming full in some areas. 

 

In the UK news reports are that those in Hospital battling Covid are unvaccinated Women. It would be interesting what data available reveals on this.  The average age of a Hospital patient battling Covid is also now apparently under 50 years old. 

 

It would difficult for everyone if  20 to 30% of populations  stubbornly refuse vaccinations, leading to continued lockdown periods or other measures being taken. Government won't allow Hospitals to be continually struggling with Covid patients.  Perhaps they need to separate out Covid patients into regional Nightingale Hospitals and let other NHS Hospitals deal with treating other patients, including the large backlog.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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Aspects of something already commented on here

 

 

WWW.NYTIMES.COM

An outbreak of respiratory syncytial virus, combined with growing Covid-19 pediatric cases, is straining hospital resources in some U.S. cities.

 

 

 

“After many months of zero or few pediatric Covid cases, we are seeing infants, children and teens with Covid pouring back into the hospital, more and more each day,” she wrote, adding that patients have ranged in age from 2 weeks to 17 years old, including some with Covid pneumonias.

 

“We are on the front end of a huge Covid surge,” wrote Dr. Haq, who could not be reached for comment on Sunday. “We are now having winter-level patient volumes of acutely ill infants/toddlers with R.S.V."

Edited by tobyjugg2

The Tory Legacy

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"Germany has become the biggest Western country to announce that it will offer vaccine booster shots to a wide range of people considered potentially vulnerable.

 

Israel, Russia, Hungary and France already are offering boosters to specific populations. In Britain, health officials are preparing to give them as early as September. And Italy and Spain have said they will likely make boosters available to certain groups this fall.

But none have indicated that they would go as far as Germany has. It wants to administer booster vaccines to older people, residents of care homes and people with compromised immune systems

— as well as anyone who was already fully vaccinated with AstraZeneca or Johnson & Johnson shots, which clinical trials have shown are not as protective."

 

-NYT

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

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

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That was what Dr Richard North was suggesting at the beginning UB, keep Covid out of main hospitals to let normal service continue there, well as normal as possible.

Revisiting this might help as a reminder.

 

http://eureferendum.com/results.aspx?keyword=bring out your dead

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and vast sums spent on 'nightingale hospitals', which weren't used in any real way

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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

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