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    • Can you not hand deliver the letter of rejection to Canalside Motors quoting the the bank transfer reference number ?
    • Thanks - I posted the letter this morning. I'll spend the next few days getting familiar with the consumer rights act and the MCOL service. 
    • Hi there, Just a query regarding Savvy. I took out a loan with them in October 2019 for £750. This would be repaid over 52 weeks at £28.27 per week. I maintained payments on a regular basis until 20th March 2020 by which time I had paid a total of £565.40 (20 repayments of £28.27. I notified Savvy by live chat that I had been furloughed on 23rd March and would struggle too make repayments. i also emailed them on 27th March with confirmation of my furlough. They asked for Income/expenditure - not unreasonable but the template they asked me to use was shocking to say the least. I then sent them my own version drafted with help from National Debtline. This is a self service budget that I can amend and save as necessary.   Long story short and I am now back in work and my wages are back to normal. However, i am required to move house for personal reasons and the current landlord wanting the house back - well notified so there is no issue there. I have also kept Savvy up to date, especially as my family have suffered mental health issues in the early part of this year. Again i have notified Savvy, filled in a new IE form. This is the response I received.   Thank you for your email.   I have updated the income and expenditure form based on the information you have provided which shows you have a minus disposable income of £66.86, we allow £50.00 emergency cash which leaves a minus disposable income of minus £116.86.   Can you please confirm how you make up the deficit each month?   When the loan was issued in October 2019 an income and expenditure form was completed with you, can you please confirm the reason the following has increased.   Rent/ Mortgage has increased by £1,162.00   Housekeeping has increased by £580.00   Household Bills has increased by £507.40   Car/ Travel has increased by £123.80   Social has increased by £150.00.   Due to the changes to your financial circumstances we would need to see a 90 day copy of your bank statement.   Please find below a link to a system we use calls open banking, please click on the link and log in your online banking details this will automatically generate a 90 day bank statement.   LINK REMOVED.   I have placed your account on hold until the 12th August to allow time for the bank statement to be sent in.   They have now issued a default notice.   Any advice would be greatly appreciated before I initiate a complaint against Savvy. I have maintained reduced monthly payments in line with what I can afford. Is it reasonable for Savvy to ask for access to my bank statements. They did not ask for them when I took out their loan.  
    • Click on the SAR link. They will send you everything, that they have on you, screen shot's , emails, etc.  You will be looking for, and will easily find the date that a default notice was sent out, and sold to Cabot. If the default date is before your last payment date then it will be statute barred in 3 months.   Providing the DCA has your current address I really don't think you have anything to worry about. 
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    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
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      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
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Yes it doesn't work HB  In Wales someone needed a test on a Sunday, the testing station at Llandudno Hospital was closed, so they could either go to Manchester, 75 miles, or Cardiff 200 miles and a 10 hour round trip.   But as Manchester is England no guarantee on getting test results.


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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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Posted (edited)

I have no doubts whatsoever that the actual peak number of people tested a day (or perhaps even just actual tests possible a day) struggles to hit between 60-80,000 per day

and any higher figures are just boosted by holding back the sending out of a blocks 40,000+ home tests, probably no more than half of which at best actually give 'real results.

.. further boosted by nothing but lies

 

Someone needs to tell Johnson and Handcock that coronavirus is spread by blowing hot air

.. it will only be effectively addressed by real actions and openness

Edited by tobyjugg2
  • Haha 1

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)

another telling point about the current 'claimed capacity' of over 300,000 a day despite the claimed tests - including double counts, blocks of home tests sent out and a fair bit of fairy dust on the numbers

 

Yesterday we tried to book a retest for O/H ... and there were no tests of any type available apparently anywhere as it said that before I even got to put the country in

So unless there were over 300,000 tests yesterday ...

... lies lies and more lies

 

 

Seems to me to Indicates the actual 'capacity is the 150,000 which including dupes and posted - half that claimed.

 

So the real capacity probably sitting at around 80,000 for actual real tests per day.

 

 

 

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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Bastille Day celebrations in France yesterday honoured care workers and people like supermarket checkout staff and some of them were invited to Paris from all over the country. There were two flypasts by the Patrouille de France, one with the normal red white and blue smoke and a second one with white smoke to honour the carers.

 

Carers are getting a salary increase of around £160 a month.


Illegitimi non carborundum

 

 

 

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Johnson is trying to put them back in their box.


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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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Carers or the French? :)


Illegitimi non carborundum

 

 

 

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remember Randox being given the 133 million contract using the new laws that let johnson bypass loads of checks and competive tendering?

 

 

https://www.theguardian.com/world/2020/jul/16/uk-government-orders-halt-randox-covid-19-tests-over-safety-issues

 

UK government orders halt to Randox Covid-19 tests over safety issues


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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53 minutes ago, honeybee13 said:

The BBC are saying that the privatised test and trace programme breaks GDPR law.

I have no faith whatsoever that test and trace won't lead to the data being sold just as the DVLA do.

 

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I agree with you, a lot of people think it could be a data-gathering/mining operation.


Illegitimi non carborundum

 

 

 

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I missed this one, contact tracers are putting people's personal details on Facebook and WhatsApp, partly due to lack of training or proper advice.

 

Very concerning.

 

https://www.thetimes.co.uk/article/coronavirus-contact-tracers-sharing-patients-data-on-whatsapp-and-facebook-rg3zqn5l6

 

 


Illegitimi non carborundum

 

 

 

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Didn't we decide that was likely, a few weeks back HB? Meanwhile DR North highlights the WHO manual from 1986 that lays down what is needed, but no UK Gov relied on "experts", like the mad computer modeller Ferguson.

 

http://www.eureferendum.com/blogview.aspx?blogno=87674#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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I agree, it isn't new news, but it's the first time I've seen this in the MSM.

 

Was Neil Ferguson involved in something leading to data breaches? He seems to be a very good modeller.


Illegitimi non carborundum

 

 

 

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Surprised the UK gov didnt jump on that

How are Johnsons pals going to sell it to US pharmaceutical Co's if its been given away?


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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Real (conservative lol) accounting of UK deaths

 

The latest statistics suggest more than 56,000 people have now died with Covid-19 in the UK.
 
Figures published on Tuesday by the ONS show that 51,096 deaths involving Covid-19 had occurred in England and Wales up to July 10, and had been registered by July 18.
 
 
As Johnson expects a 'return to normal' by November
That would be the New Covid normal he's referring to would it?
 
Whos ready for multiple flu/covid vaccines every year?
.. Oct and Jan at least as things stand.
 
 
 
 
 

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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Looks like the DWP Jobcentre Plus offices in Scotland are trying to re-open to the public on Monday the 27th July.

Royal Mail Relay have been delivering a lot of screens, ppe and hand sanitiser ect.

Banks have informed us they hope to be back to regular opening hours by September.

Cinemas also seem to be gearing up to open shortly in Scotland.

 

Yesterday they announced you could buy tickets for the Edinburgh Hogmanay street party ect !!!

This morning they announced it had been cancelled and you could get a refund. ( bunch of clowns) !!!


 
 

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anybody know how come the new kings College Hospital £100M ICU unit apparently came to be cladded with (Grenville style?) fire lighters?

 

https://www.independent.co.uk/news/health/kings-college-fire-safety-intensive-care-critical-london-a9632916.html


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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Bad advice and/or penny pinching? The stuff coming out of the Grenfell enquiry this week has been shocking.


Illegitimi non carborundum

 

 

 

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oops posted to right thread

 

interesting that Johnson has said there will be rises for the Judiciary, police and doctors

 

Well, the Judiciary have mostly been at home

Getting to actually see a GP, or even getting past 'every symptom is covid - isolate don't come in' has been and is a ferking disgrace

 

 

My other half and daughter in law, both NHS who have both been working right through the pandemic - longer hours and more responsibilities than normal

apparently still aint getting a penny extra.

 

DIL is a nurse looking after immune compromised people

OH has been pulling and sorting records for emergency admissions as well as normal work


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)
On 06/02/2020 at 09:05, tobyjugg2 said:

An example of the real risks:

 

One man's lies leave thousands in quarantine, (Chinese) state media claims

 

A man who lied about returning from Wuhan amid the coronavirus outbreak has led to thousands of people being quarantined, China's state CCTV reported Wednesday.

The man, who was only named as Zhang, came to a village in China's Fujian province in late January from Wuhan. CCTV reported that he lied to the villagers and told them he returned from the Philippines.

He then attended a number of events in the community, including a 3,000-people folk-custom banquet and a wedding banquet attended by nearly 1,000 people.He showed symptoms in late January and was isolated for treatment.

On Feb. 1 he tested positive for coronavirus.

 

A local police statement released Wednesday said when the man returned from Wuhan, the local county government and hospital staff requested that he be quarantined at home and not go out, but he didn't follow the order.

 

The statement said "compulsory measures" were taken against Zhang, who was suspected of endangering public safety.

Xinjing newspaper quoted a local official as saying more than 4,000 people are currently under medical observation as the result of the man's actions.

 

and despite this example back in Feb, Johnson continued to bring MILLIONS of people back from hotspots and eventually simply telling them to self-isolate with no tests or checks ... and even that advise - late in the process

- just like the chinese chap was told to ....

 

 

Johnson can start by clearly and properly apologising for that

Wonder how many UK outbreaks would have been traced back to those if there had been a proper trace system implemented ..

 

18 Million potential virus pandemic seeds

 

 

... for a party thats been selling protecting our borders

... ah - but of course, thats just protecting our borders from our own trade

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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Posted (edited)

https://uk.reuters.com/article/uk-health-coronavirus-britain-spain/everyone-is-panicking-over-quarantine-says-uk-tourist-in-spain-idUKKCN24R05Q

 

It appears the UK is ordering 14 days quarantine for all those returning (everyone?) from Spain,

So does anyone know if:

 

1. The UK is actually going to test those returning via the UK's claimed multiple 100's of thousands of testing capacity a day?

2. How they are going to enforce the quarantine they are imposing?

3. If are sure you are infected on return, rather than self isolate, will you be able to go into work before travelling 260 miles across country to stay/visit at your second/third home with aged parents, ?

4. Lucky for Grant Shapps he isn't essential like Cummings, or will he be the latest person for whom the rules they themselves make for the rest of us .. simply don't apply

 

 

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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From what I've read, the problem isn't in places like the Balearic islands and the Canaries. It seems a shame to quarantine people who haven't been near the problem areas.

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Illegitimi non carborundum

 

 

 

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and even with the 'surge' in spanish cases, they are still significantly below the Uk's ongoing daily average aren't they?

 

and I'll lay money that Spain deals with it more efficiently and effectively than Handcock/Right-Johnson

 

Be interesting to see if spain does some effective outbreak seed/source tracing


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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As you posted, TJ, I was just wondering myself how the case count compares with the UK's. But HMG have stopped publishing the figures, haven't they? Christina Pagel of Independent Sage is doing her own weekly graphs now.

 

Catalonia is worrying and France is already talking about possible border closure.


Illegitimi non carborundum

 

 

 

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