Jump to content


  • Tweets

  • Posts

    • Hi everyone, I am new to this forum. I am HOPING you can give me some advice that can help me. I am 68 years old and I currently own a leasehold property for which I have to pay (extortionate) monthly fees for Ground rent and Maintenance to a management company. During 2020, I managed to pay only for 6 months and then ended up in financial difficulty due to Covid. I was barely able to make ends meet. I stopped paying the maintenance fees around June 2020. My plan was to pay them a lump sum at the end of the year, when things go back to normal and my financial situation improved. Government advised things would go back to normal but unfortunately this didn't happen and I ended up in a lot of debt. I even had to sell my car to pay back money I had borrowed from family members. I live alone and this whole pandemic situation has really affected me mentally. To make matters worse, because I wasn't able to pay the lump sum as I originally had planned, the management company consulted a solicitor (Realty Law) to help them recover this outstanding debt. The initial debt was £596.00 + £36.15 for interest (no idea where this interest came from). The solicitors have now added on legal fees of £721.50 increasing the total debt to £1353.65. I contacted them via email and offered to pay £50 a month for the time being until I can improve my financial situation, at which point I would pay them more. Their response was the following: 'Our client has advised that they cannot honour a payment plan for that duration and therefore we have been instructed to continue our recovery process and request judgment if payment has not been made by 2pm on 29th October 2021. As such, we request that you please make full payment of £1353.65 as per the attached arrears schedule by 2pm on 29th October 2021. If payment or correspondence has not been received by then, then we shall be continuing with further recovery action and issuing a county court judgement (CCJ) which will incur additional fees. You are entitled to seek your own legal advice.'   The whole idea of court proceedings and CCJs and ADDITIONAL FEES has really elevated my anxiety levels to the point I am struggling to get to sleep at night. I borrowed money from family members and used some money that I had saved to pay off the initial £596.00, but its not possible for me to come up with the £700+ for the solicitor fees by 29th October. How is it even acceptable to charge someone £700+ in legal fees for a few letters?    Can someone please give me some advise on what on earth to do or who on earth I can speak to. I am desperate here.  Any advice would be greatly appreciated. Thank you in advance  
    • Please also take photos of the sign at the entrance as well as any signs inside the car park especially any that are different. Please take them from a distance where we can read them and if there is a payment machine, the sign on the machine or very close to it that explains their T&Cs for the machine.
    • Thanks for getting the signage posted up so quickly. The sign on entry should explain their T&Cs. As they don't it means that  what they have given you is  an offer to treat, not a contract. For there to be a contract they would have had to put their offer at the entrance.  You cannot put a notice saying that their T&Cs are inside the car park and expect motorists to be subject to those T&Cs when they are unaware what the terms are.. They have to be able to read them and understand them before they can accept them. My feeling is that the sign that includes the charge of £100 is too small to be acceptable On top of that the sign at the entrance is for Parking Control Solutions while the signs inside are from HX Management-a completely different animal. To strengthen your case for not paying them is the fact that their PCN is not compliant.  Under the Protection of Freedoms Act 2012 there are certain wordings in  the NTK  that by Law must comply with the Act. They don't  have to quote that part of the Act in their PCN but the relevant wording has to be included. PoFA Schedule 4 paragraph 9 [2]   the notice must  [f]   warn the keeper that if, after the period of 28 days beginning with the day after that on which the notice is given— (i)the amount of the unpaid parking charges specified under paragraph (d) has not been paid in full, and (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid;   Your  NTK does not include  [if all the applicable conditions  under the Schedule have been met ]thus rendering the NTK non compliant.  
    • I agree its about time but why has it taken for the National Crime Agency to flag this up for then to take action and not Ofcom.   Yet again a Government Agency that is meant to deal with this hasn't Ofcom but flagged by another Agency NCA.   If the telephone companies have this facility in place already to do this then why hasn't Ofcom been pushing them to stop all these scam calls and giving them massive fines for not doing so.    
    • Hi   Send this to them:   Dear Sir/Madam   Formal Complaint   Reference:            (insert their complaint reference number here)   Thank you for your response letter dated XX/XX/2021 which I received by email on XX/XX/2021 that contained your Original Email sent that showed due to your Maladministration that you had sent the Original Email containing my Personal Data to an incorrect email address due to spelling errors in the email address.   a)      Due to this Maladministration of this email being sent to the incorrect email address this email contained my Personal Data which is a Data Protection Breach therefore I require clarification from yourselves that this Breach has been reported to your Data Protection Officer and what action is being taken to ensure that my Personal Data contained in that Original Email has not been read by the recipient that you sent that email to with the incorrect email address.   As the email was sent by yourselves to my correct email address containing the original email showing the incorrect email address was due to spelling errors (maladministration) your IT Department will be able to obtain those emails sent.   If I do not get a satisfactory response that this has been dealt with by your Data Protection Officer, I will report this Data Breach to the Information Commissioners Office (ICO) https://ico.org.uk/make-a-complaint/   b)      Due to this Maladministration I failed to receive your Stage 1 complaint response within the allocated time limit for a Stage 1 response therefore this complaint should be dealt with as a Stage 2 Complaint and if you refuse to treat this as a Stage 2 Complaint, I require Full Clarification for your refusal.   I was placed in this Tenancy via the Rough Sleepers Initiative and I find your response about damaged/destroyed items that you would not be able to look into this as this happened 2 years ago but all tenants regardless of private or social housing are responsible for arranging their own contents insurance totally unacceptable as again, I was never notified nor informed of this requirement on taking up this tenancy.   I require clarification from yourself that when a New Tenant takes up a Tenancy Agreement with yourselves why are the not informed of this requirement of Contents Insurance which you should be duty bound to inform all tenants on taking up a tenancy agreement if such a requirement and it should also be noted within that tenants Housing File which you have full access to as dealing with complaint so I require clarification as well if this is noted in my Housing File.   You state multiple properties throughout the area were affected by sewage flood on the same day and the issue will have stemmed from the mains which is not your responsibility.   a)      You have failed to take into that the above statement from yourself blaming the Mains is without any actual evidence from yourselves to back up this claim therefore I require clarification as to what actual evidence you have and to be provided with copies.   b)      You also failed to take into account that in my initial complaint letter that on 12th July 2021 basement flats 1 & 2 were flooded by sewage exacerbated by blockage in the property’s drainage. The blockage has been confirmed by two contractors after the flooding including CCR who were subcontracted by Pyramid Plus that it was the properties drainage that was blocked. Also, while I was decanted from this property, I was contacted by CCR who confirmed that the drain was blocked but they could not access manhole as it was inaccessible as it is located in a utility cupboard underneath carpet, floorboards so how could this be the Main and not your responsibility when it is within the properties boundaries.   Your response about how complaints have been made by residents in relation to this issue is that your system does not allow you to find that information is completely unacceptable as your Housing Association should be able to produce these as part of ongoing repairs and maintenance/procurement processes to present these to your Board for there yearly Budget meeting if not why not.   Then you state you are under no obligation to share that information; therefore, your organisation is not being Open and Accountable to your Service Users and under which Article of the General Data Protection Act (GDPR) are you using for this refusal.   You have also failed to mention that I can make that above request under the Freedom of Information Act (FOI) and what is your process for such a request again not being Open and Accountable.   I await your response.
  • Recommended Topics

  • Our picks

  • Recommended Topics

Mutating Corona Virus


Recommended Posts

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.

Link to post
Share on other sites

Posted (edited)

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

"vacuous and economically illiterate" "Moral emptiness and epidemiological stupidity”

“veil of ignorance” "unrepentant and inveterate liar" 

Boris Johnson Mendex est

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

Link to post
Share on other sites

Posted (edited)
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

"vacuous and economically illiterate" "Moral emptiness and epidemiological stupidity”

“veil of ignorance” "unrepentant and inveterate liar" 

Boris Johnson Mendex est

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

Link to post
Share on other sites

Posted (edited)
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

"vacuous and economically illiterate" "Moral emptiness and epidemiological stupidity”

“veil of ignorance” "unrepentant and inveterate liar" 

Boris Johnson Mendex est

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

Link to post
Share on other sites

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.

Edited by hightail
Link to post
Share on other sites

Posted (edited)

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

"vacuous and economically illiterate" "Moral emptiness and epidemiological stupidity”

“veil of ignorance” "unrepentant and inveterate liar" 

Boris Johnson Mendex est

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

Link to post
Share on other sites

Posted (edited)

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

"vacuous and economically illiterate" "Moral emptiness and epidemiological stupidity”

“veil of ignorance” "unrepentant and inveterate liar" 

Boris Johnson Mendex est

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

Link to post
Share on other sites

"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

"vacuous and economically illiterate" "Moral emptiness and epidemiological stupidity”

“veil of ignorance” "unrepentant and inveterate liar" 

Boris Johnson Mendex est

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

Link to post
Share on other sites

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...

 

 

"vacuous and economically illiterate" "Moral emptiness and epidemiological stupidity”

“veil of ignorance” "unrepentant and inveterate liar" 

Boris Johnson Mendex est

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

Link to post
Share on other sites

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?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

 

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!

Link to post
Share on other sites

Posted (edited)

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

"vacuous and economically illiterate" "Moral emptiness and epidemiological stupidity”

“veil of ignorance” "unrepentant and inveterate liar" 

Boris Johnson Mendex est

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

Link to post
Share on other sites

Posted (edited)

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
  • Like 1

"vacuous and economically illiterate" "Moral emptiness and epidemiological stupidity”

“veil of ignorance” "unrepentant and inveterate liar" 

Boris Johnson Mendex est

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

Link to post
Share on other sites

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

 

 

 

Link to post
Share on other sites

Posted (edited)

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

"vacuous and economically illiterate" "Moral emptiness and epidemiological stupidity”

“veil of ignorance” "unrepentant and inveterate liar" 

Boris Johnson Mendex est

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

Link to post
Share on other sites

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

"vacuous and economically illiterate" "Moral emptiness and epidemiological stupidity”

“veil of ignorance” "unrepentant and inveterate liar" 

Boris Johnson Mendex est

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

Link to post
Share on other sites

Interesting. I haven't seen anything on that. This lady did say that there isn't enough information, but then there's also the concern that pregnant ladies who catch covid can be very ill and it can affect the babies.

Illegitimi non carborundum

 

 

 

Link to post
Share on other sites

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.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

 

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!

Link to post
Share on other sites

Posted (edited)

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

"vacuous and economically illiterate" "Moral emptiness and epidemiological stupidity”

“veil of ignorance” "unrepentant and inveterate liar" 

Boris Johnson Mendex est

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

Link to post
Share on other sites

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

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

 

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!

Link to post
Share on other sites

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.

 

 

"vacuous and economically illiterate" "Moral emptiness and epidemiological stupidity”

“veil of ignorance” "unrepentant and inveterate liar" 

Boris Johnson Mendex est

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

Link to post
Share on other sites

Posted (edited)
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

"vacuous and economically illiterate" "Moral emptiness and epidemiological stupidity”

“veil of ignorance” "unrepentant and inveterate liar" 

Boris Johnson Mendex est

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

Link to post
Share on other sites

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.

"vacuous and economically illiterate" "Moral emptiness and epidemiological stupidity”

“veil of ignorance” "unrepentant and inveterate liar" 

Boris Johnson Mendex est

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...