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    • Hi   I have recently received a copy of my CCA for an old HSBC CC debt. This was apparently bought by Marlin in 2014 and I had previously (before it was sold to Marlin!) asked for a copy of CCA so it was in dispute. All had gone quiet until February this year. This is all complicated by the fact that in 2008 I was advised by Payplan to offer token payments to everyone.  I paid these by standing order and had actually forgotten about them. These continued until 2018  - I know! So it's not SB and wont be for a while Hindsight is a wonderful thing.    Cabot (claiming to be acting for Marlin - same company!) have appeared again with several letters so far and have recently involved their legal arm (Mortimer Clarke solicitors). After sending them a CCA last Friday,  as they were once again threatening legal action, today I was sent a copy of a CCA, the print was dated February 20 interestingly.  The time they decided to contact me again.   I am prepared to go to court over this if necessary. I can only pay what I can afford. As I owe a lot to other companies, some of who may have given up - I've only had a pre court letter earlier this year from MBNA who I asked for a copy of the CCA and heard nothing since, I really don't know where I stand with repaying any debts. I don't know what I owe or to who anymore. I have limited funds at the end of each month despite working full time. I had a small payout for PPI which I was considering putting towards the debts but was advised not to! Now as a lot of them have gone quiet again (for now) I don't want to get in touch with them.   With the CCA which all looks as it should. They  (Mortimer Clarke) have enclosed an income and expenditure form which they have asked me to complete in 14 days. The total amount is £3 k. What should I do now? I wonder why this has only just appeared after all this time. I can't give them £3k as I don't have it. If I did have it, then that wouldn't be fair to the other people I owe money to.   I am tempted to just ignore it and wait for them to take me to court  
    • Please post up the letter in scanned pdf format
    • does it mention the pre action protocol and include a separate response pack?  and is titled letter of claim   that doesnt sound like a PAPLOC to me just a threat-o-gram.   they cant add extra charges, they must give you (under PAP) the option of pay now or warn yo in 30 days they will raise a claim through northants bulk court. and they must include a reply pack for you to fill out.   is this a B2B transaction too..
    • @dx100uk thank you very much. It will be a huge help.
    • like i said .. firstly once again although i would   drop those ..   you need to start the letter with an honest apology, dont waffle about what you've been like elsewhere in the world..not important.   is perfect>>>I feel extremely shameful of my very poor judgment in this matter. I take full responsibility of my action and accept that I was in wrong.   twist around your explanation to benefit your situation and more reflect the truth.   i came to the UK in september 2019 to study for xxxxx. Until the time of the incident my parents has been supporting me from abroad but in january this support stoppedas they hit hard times and my part time job was not enough to support me   i was very naive about you UK regulations    give am an hour i'll do it for you        
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      I was in Sainsbury’s today and did scan and shop.
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Recommended Posts

9 minutes ago, tobyjugg2 said:

 

Its been that way for years. They still fly/travel to meetings.

I tried to start to change that many years ago where I was - failed.

 

 

 

 

Do agree with that.

 

 

but all that aside, there will still be people who fly (float, train or drive) in and out of countries - like those 182,000 private flights I mentioned

and one of the ONLY fast, automatic tests we can implement, not just at airports, but all major transport hubs and quite possibly more - is temperature checks.

(please someone come up with something else)

 

We need them in before the end of Autumn not just for Covid - but for the next one - which if its a pneumonic type or Covid mutated that way would have been 100's millions of deaths by now with how this has been mishandled.

 

 

 

 

 

 

 

To me, going on holiday is all about me and my family being happy and feeling comfortable. It's impossible for me to be either of those if I'm worried that said holiday is going to book one of us in for a trip to the local ICU.  If my employer is stupid enough to believe that running a Sales Kick Off event in California, like last year is a good idea, neither me , nor any of my colleagues will be attending. I suspect I'm in the majority opinion.


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Captain Tom to Colonel Tom and now he's going to be Sir Tom. Wonderful news.

 

The article says HMG want to recognise unsung heroes of the NHS in due course. They could try having a word with Priti Useless who doesn't seem to want carers coming into the country from our nearest neighbours and is charging them hundreds of pounds a year to use the very NHS that they're helping to keep going.

 

https://www.theguardian.com/world/2020/may/19/beacon-of-light-capt-tom-moore-to-be-knighted

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Illegitimi non carborundum

 

 

 

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apparently the track and trace app (accurately named at least) has been put off until June, .. possibly while they make the negligible changes to integrate the changes to Tpims?

 

https://www.theguardian.com/politics/2020/may/20/unconvicted-terrorism-suspects-face-indefinite-controls-under-uk-bill


I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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Yes good points from Dr North today

 

http://www.eureferendum.com/blogview.aspx?blogno=87613#disqus_thread

 

Meanwhile SERCO showing how useless they are again le4aking details of Contact Tracer emails etc.  Then again Dataloss Dido of Three is in overall charge so what can we expect?

 

https://www.bbc.co.uk/news/uk-52732818

 

 


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Posted (edited)

massive criticisms alongside Tory minister excuses in the independent also...

 

Coronavirus testing outside hospitals stopped over shortage of capacity rather than scientific advice

 

https://www.independent.co.uk/news/uk/politics/coronavirus-testing-uk-hospitals-who-nhs-scientific-advice-a9522956.html

 

 

 

and the right has certainly fallen out with Piers

LOL

https://www.independent.co.uk/news/uk/home-news/good-morning-britain-piers-morgan-robert-buckland-boycott-itv-a9523736.html

 

Edited by tobyjugg2

I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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https://www.bmj.com/content/369/bmj.m1918

 

"Lockdown is a crude instrument. On its own it can’t eliminate covid-19, but it buys a country time to prepare its health systems and to mount a public health response. Tragically, the UK government has squandered much of the precious eight weeks bought at such great social and economic cost. The question now is whether it is willing to admit mistakes and do what’s really needed to suppress the virus "

 

 

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I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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In reply to post #676

 

One minister more or less admitted that, didn't he, yesterday or today? I'm thinking of the comment about needing to protect the NHS and as I understood it that meant prioritising PPE for them, at the expense of the care homes.

 

OK, there wasn't enough to go round but what would have happened if the government hadn't wasted weeks when it did nothing about ordering supplies?

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Illegitimi non carborundum

 

 

 

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Tragically, the UK government has squandered much of the precious eight weeks bought at such great social and economic cost. The question now is whether it is willing to admit mistakes and do what’s really needed to suppress the virus "

 

Exactly. I won't be holding my breath about them admitting mistakes.

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When you consider Johnson claiming in parliament the 'great success they had hitting 100000 tests a day and that they would hit 200000 a day by the end of the month

 

When the reality is they never did hit 100000 a day tests and there is not a cat in hells chance they will actually hit 200000 even on one day this month or next.

 

 

From what I can see, the peak number of people tested in a day hasn't actually exceeded 85,000 at best, and is commonly nearer 50-60,000 in reality

and the false claimed 122000 included 45,000+ tests sent out (so no one actually tested) and thousands of duplicate tests.

 

As Johnson + professor dooms herd immunity program requires 60%+ of the population infected

 

https://www.youtube.com/watch?v=2XRc389TvG8

 

They would seem to need schools and crowded public transport at full capacity to even start to get back on their target ready for the next surge this coming winter - not that it seems the warm weather is slowing covid much as of itself - unlike the early claims.

 

 

 

Mind you, Johnson is probably relying on his renewed attack on the darn immigrant workers who were dedicated enough to save him ... to reduce the NHS and make those dedicated staff who have been in the front line for us pay; and pay more;  should they then need it or even want to stay in this country on the front line.

Defines the man I think.

 

 

 

 

 

 


I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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Posted (edited)
18 hours ago, London1971 said:

Yup it's like Noro Virus, can still shed Virus after 3 weeks, despite having recovered from symptoms. Nasty

 

 


PCR +ve doesn’t mean virus particles intact enough to be infectious.

 

Norovirus : patient is isolated until 48 hours post symptoms.

 

PCR +ve at 3weeks : without cell culture to confirm infectious, may represent detecting non-infectious genetic material (If the patient isn’t known immunocompromised)

 

(In a similar manner, for a +ve chlamydia test, “test of cure” is done at 6 weeks precisely because it is a nucleic acid amplification test [NAAT, like PCR but PCR is Roche’s trademark] and can pick up genetic material from dead organism if tested too early)

Edited by BazzaS
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Yup it's like when everyone started freaking out when the found Viral RNA particles on that cruise ship 17 days later, a total non story.  Personally I doubt whether re infection is possible, although immunity might fade after a while.


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Here's an interview with John Ashton, who told Stephen Barclay a few home truths on BBC Question Time. He's medical adviser to Bahrain and helped them organise for Covid. He's talking about pitfalls the UK should avoid when contact tracing.

 

https://www.theguardian.com/world/2020/may/20/pitfalls-the-uk-needs-to-avoid-when-contact-tracing-for-coronavirus-john-ashton


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Posted (edited)
34 minutes ago, honeybee13 said:

Here's an interview with John Ashton, who told Stephen Barclay a few home truths on BBC Question Time. He's medical adviser to Bahrain and helped them organise for Covid. He's talking about pitfalls the UK should avoid when contact tracing.

 

https://www.theguardian.com/world/2020/may/20/pitfalls-the-uk-needs-to-avoid-when-contact-tracing-for-coronavirus-john-ashton

 

excellent find and informative, seemed a common sense approach

 

So, what has out government done besides manage to ramp up to about 60,000 tests a day. A pitiful effort for a so called rich, developed nation.

- around three years or so to test the population

 

and absolutely clueless other than statistical estimates of how many people are infected or have been infected let alone who hasn't.

 

- and with absolutely nothing in place other than social distancing (except in trains and underground and anywhere its a bit inconvenient) where drivers are apparently being told to go back to largely as before)

.. to 'manage coming out of lockdown 

 

 

.. oh and of course a privacy busting, data grabbing app with no actual testing that could either:

 

* quickly put a significant chunk of the population back in 14 day lockdown untested

or

* be ineffective in managing the virus if they just decide to track to a single level of contact and test no-one -

 

. oh and give your data to anyone they want really.

you want medical insurance sir?

Lets look at your social profile and likely resistance to nasties to asses that risk ...

... Oh Dear

 

 

 

 

2 hours ago, London1971 said:

Yup it's like when everyone started freaking out when the found Viral RNA particles on that cruise ship 17 days later, a total non story.  Personally I doubt whether re infection is possible, although immunity might fade after a while.

 

bet your loved ones life on it?

 

read a few summaries like the following link I include and you might think one way

Read the detail and it more likely you wouldn't.

 

The tests carries out so far seem to show that reinfection with milder symptoms and less shedding as 'the norm' 

until you take into account all the test subjects were largely very fit, and otherwise very well with no underlying issues, and didn't also have a bout of say the common cold or flu as well.

 

 

https://pubmed.ncbi.nlm.nih.gov/2170159/

 

 

I would suggest anyone who thinks otherwise should look for the results coming from autopsies of Covid deaths.

 

 

Edited by tobyjugg2

I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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That data would be very useful for the greedy US health Corps.


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IIRC, Palantir are already harvesting data and offering their services for free. I hope I'm thinking of the right company.

 

Adding link.

https://www.theguardian.com/world/2020/apr/12/uk-government-using-confidential-patient-data-in-coronavirus-response?CMP=Share_iOSApp_Other


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2 minutes ago, honeybee13 said:

IIRC, Palantir are already harvesting data and offering their services for free. I hope I'm thinking of the right company.

 

Whats the betting the call centre staff are quickly if not immediately set 'targets' of sub 3 mins a call?

(or am I being too generous with the initial target there?)

 

oops phone is set to block unknown incoming and old phones bluetooth is very weak


I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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What a shame about your phone. :D

 

I read that Serco's breast cancer screening centre staff dealing with sensitive issues got an hour's training before they were let loose on the public.


Illegitimi non carborundum

 

 

 

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It will be a complete crock it cant be anything else with the muppet firms they are involving  SERCO like Capita need winding up. 

shame my phone won't accept unknown calls and the AV won't let me install busted untrusted apps.

 

 

meanwhile a recap as to why we are where we are

 

https://www.turbulenttimes.co.uk/news/corona/coronavirus-the-nhs-problem/

  • Like 1

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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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10 minutes ago, honeybee13 said:

What a shame about your phone. :D

 

 

Sadly superuser access; for all its many many benefits; does occasionally allow some misconfiguration to unintentionally creep in.

Thought i was boosting the signal ...


I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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27 minutes ago, brassnecked said:

meanwhile a recap as to why we are where we are

 

https://www.turbulenttimes.co.uk/news/corona/coronavirus-the-nhs-problem/

 

Some very interesting points and perspectives wrapped in that.

 


I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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Dr North is a PhD in public Health, his comments over the past few months and research have made MSM and UK Gov including Labour look silly, all the Parties are complicit in the mess up, centalisation and culling of local capability. 


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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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Just heard on the News that footballers are going to be tested twice a week in the run up to matches.

Clearly far more important and necessary than front line workers or people who are 'tracked and traced'.

 

So as long as footballers are tested twice a week and politicians families tested whenever they ask, the ****ing world is saved then eh?

 

 


I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

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I liken the whole football thing to the availability of fish and chips during the war.  Apparently they were never rationed as they were considered essential for morale.  It's all about finding something which keeps the plebs quiet.

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Footballers aren't getting tested because the government or NHS  thinks they're ''more important''. The premier league are paying for the tests privately (as indeed anyone could) as has been widely reported.

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meanwhile Hancock failed to tell parliament they had abandoned Test and trace

 

http://www.eureferendum.com/blogview.aspx?blogno=87614#disqus_thread

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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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