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    • The gaming giant is offloading the Venetian in a $6.25bn deal to invest in Singapore and Macao. View the full article
    • ok best shot..   you need to reply to that letter of claim.   for debt covered by the consumer credit act:   send a cca request along with the completed form:   NOTE ONLY USE THE ATTACHED FORM below DO NOT USE THE FORM SUPPLIED BY THE DCA IN THEIR PAP LETTER!! DO NOT USE OR GIVE THEM YOUR EMAIL/PHONE NUMBER. USE ROYAL MAIL 1st class - get free proof of posting from any PO counter   box D tick   I dispute this debt because ..i refer you to our previous communications and my previous respond to your previous Letter of Claim. i am over 50yrs and have deferred as required to meet the age write off.    box I tick   I also require you to supply the following..   All signed agreements Copies All my deferment sent to either yourselves, the SLC or the SAAS to date. Copies of all communications bothways in whatever format to/from Erudio, Capquest, yourselves and Me A copy of the any Default Notices A copy of the Notice of Assignment A complete set of statements detailing exactly how the sum you allege is owed has accrued detailing: All Transactions. Any additional charges, be them by the original creditor or you xxxx the debt purchaser or any predecessor DCA. Details of all contractual interest added by whom and on what date. List of ALL Payments made toward the Agreement   no need to do the financial statement etc anything else or send anything else bar the above do NOT give them your phone nor email PRINT your name never sign the form   staple the £1  PO to the CCA request and send it to the debt purchaser return the completed PAP form below to the solicitors that sent it to you attain free proof of posting for BOTH at any PO counter 1st class mail will do. recorded is a waste of money   reply form PAP.pdf
    • There's more support for many in the Budget, but for some it still falls short. View the full article
    • no you are kidding me...   they can't be that thick surely... could be game over if they've faked it.   can you attach it to a private msg to me please.  
    • The original pdf did bring up txt boxes where my details were, it wasn't as if it was a photocopied document with my details embedded and I do find it awfully convenient it appeared the very next day after the case meeting.   The address was the same as it should have been, but ive only recently moved, this case was already in motion during my move.   Can I then just argue the authenticity of the CCA  at the next meeting? Explain that when put into a editor my personal details and only them pop up as carefully placed text boxes whereas the rest of the form looks photocopied??
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

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I’m currently on day 9 of mild symptoms  Starting about 5 days after My daughter had symptoms and subsequently tested positive.  she’s well over it now.   From my point of view I’ve had far W

It isn't realistic to lock all those with underlying conditions and over 70s in their homes for the rest of the year   It would have to be properly organised. We have various family members

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Not just Covid - Jenrick and other 'populist' MP's vote for each others towns to get grants

 

https://www.independent.co.uk/news/uk/politics/robert-jenrick-handout-towns-fund-b1720559.html

 

Oh and of course Cummings consolidating his power

https://www.independent.co.uk/news/uk/politics/boris-johnson-chief-of-staff-lee-cain-dominic-cummings-b1720794.html

Edited by tobyjugg2
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"In every respect, he has acted responsibly, legally and with integrity"

Boris Johnson on Dominic Cummings' Covid field trips

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris "unrepentant and inveterate liar" Johnsons' word

isn't worth the paper written on

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Things have moved on dramatically since this paper (vast sums of money ramp up development - and rhetoric), and it is rather technical in parts, but summary/conclusions worth a look at least for an informed initial overview

 

https://www.researchgate.net/publication/332635937_A_Comparison_of_Plasmid_DNA_and_mRNA_as_Vaccine_Technologies

 

 

If new to it, These first:

https://www.phgfoundation.org/briefing/rna-vaccines

 

https://www.researchgate.net/publication/332635937_A_Comparison_of_Plasmid_DNA_and_mRNA_as_Vaccine_Technologies

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"In every respect, he has acted responsibly, legally and with integrity"

Boris Johnson on Dominic Cummings' Covid field trips

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris "unrepentant and inveterate liar" Johnsons' word

isn't worth the paper written on

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As minks are slaughtered across the world due to a mutated form of covid spreading through their ranks ...

 

Among Brits:

"the total official number of direct Covid deaths to 49,770. Nearly fifty thousand dead in just a few months.

And on the scientists’ (certainly Chris Whitty’s) preferred measure of “excess deaths”, the number is over 72,000."

 

"In every respect, he has acted responsibly, legally and with integrity"

Boris Johnson on Dominic Cummings' Covid field trips

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris "unrepentant and inveterate liar" Johnsons' word

isn't worth the paper written on

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A little memory refreshing ..

 

 

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"In every respect, he has acted responsibly, legally and with integrity"

Boris Johnson on Dominic Cummings' Covid field trips

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris "unrepentant and inveterate liar" Johnsons' word

isn't worth the paper written on

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In amongst all the shenanigans at No10, we shouldn't forget that the official death rate has gone up to 50,000, the first country in Europe I believe. The estimated excess mortality figure is 70,000. Very sad.

Illegitimi non carborundum

 

 

 

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“Findings from PHE Porton Down and Oxford University shows newly deployed Lateral Flow Tests [spin removed} had “an overall sensitivity of 76.8% for all PCR positive individuals but detects over 95% of individuals with high viral loads”.

 

PCR is the gold-standard swab test that is widely used at present but requires lab processing.

 

https://www.theguardian.com/world/2020/nov/13/covid-test-for-mass-uk-screening-could-miss-up-to-half-of-cases-say-scientists

 

So it detects overall 76.8% of those who tested positive via PCR swabs

and just 95% of those with high viral load

 

Article doesn't detail how many false positives it gives.

Figures I saw showed around 93% overall accuracy in ideal lab conditions.

 

 

More accurate than temperature testing which seems to be around 30% (which STILL isnt widely implemented)

- but with a high proportion of those trapped by the temp trap likely to be spreaders of covid/flu

 

Now a sensible approach it seems to me would be temperature tests at gathering places (Supermarkets/transport hubs/hospitals etc) with those with high temps getting the fast result lateral flow test.

Still not ideal - but some BIG steps in the right direction

 

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"In every respect, he has acted responsibly, legally and with integrity"

Boris Johnson on Dominic Cummings' Covid field trips

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris "unrepentant and inveterate liar" Johnsons' word

isn't worth the paper written on

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Seems like the freeman of the land twaddles caught on again

 

https://www.nottinghampost.com/news/local-news/tearoom-quoting-magna-carta-stay-4699966

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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More briefings of cronies who brief to their paying customers

Government gave lobbyists access to confidential coronavirus briefings

Former Sun political editor and current chairman of Portland Communications, George Pascoe-Watson, was quietly appointed as an "adviser" to the government in April.

He briefed paying clients on the government's thinking, including on upcoming lockdowns.

 

Mr Pascoe-Watson emailed clients on October 15, telling them he had been “privately advised” that new restrictions on London would last six months until the spring, the Sunday Times reported.

 

Wonder if the London Mayor or Londoners know that?

  • Like 1

"In every respect, he has acted responsibly, legally and with integrity"

Boris Johnson on Dominic Cummings' Covid field trips

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris "unrepentant and inveterate liar" Johnsons' word

isn't worth the paper written on

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How are people feeling about Christmas celebrations?

 

Unless things change, I have to agree with Gabriel Scally of Indie Sage who said this on Twitter and GMB.

 

'There is no point having a merry Christmas then burying friends and family in January'
@GabrielScally talks to Good Morning Britain

Illegitimi non carborundum

 

 

 

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meanwhile bereaved daughters seek Judicial Review into discharge of Covid patients into care homes. Hancock being challenged

 

https://www.dailymail.co.uk/news/article-8964995/Virologist-father-88-died-Covid-care-home-sues-government.html

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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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1 hour ago, honeybee13 said:

How are people feeling about Christmas celebrations?

 

Unless things change, I have to agree with Gabriel Scally of Indie Sage who said this on Twitter and GMB.

 

'There is no point having a merry Christmas then burying friends and family in January'
@GabrielScally talks to Good Morning Britain

Unless those friends and family have understood the risks and chosen to take them.  How about if granny is fairly sure this would be her last Christmas anyway and would prefer to barter 6 months of a miserable, lockdown life against a final blowout with family?  My guess is they're going to do it anyway no matter what govt attempts to decree.

 

 

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You are probably correct hightail, people are despairing of ever seeing friends abd family again before they die. Its a sad situation with too many "experts" sticking an oar in.

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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

 

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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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22 minutes ago, brassnecked said:

You are probably correct hightail, people are despairing of ever seeing friends abd family again before they die. Its a sad situation with too many "experts" sticking an oar in.

Governments are picking their experts to suit the chosen narrative.  Most people have realised that now and are sick of it.  There might have been more compliance if the U.K. had acted as one but the games of one-upmanship between the different leaders just made them all look incompetent. 

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I see it more as rank incompetence, cronyism and elitism on Johnsons part

 

"In every respect, he has acted responsibly, legally and with integrity"

Boris Johnson on Dominic Cummings' Covid field trips

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris "unrepentant and inveterate liar" Johnsons' word

isn't worth the paper written on

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11 hours ago, tobyjugg2 said:

I see it more as rank incompetence, cronyism and elitism on Johnsons part

 

Oh there’s all that but much as we’re angry about that I don’t believe it’s what drives the every day behaviour of the public with regard to restrictions.

 

 

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31 minutes ago, honeybee13 said:

So what drives public behaviour in your opinion, hightail?

Considering this virus?  The elephant in the room which nobody is mentioning - we are not burying children.

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I think too much is made of those who are advertised as breaking the 'letter' of the restrictions

when jenrick, cummings et al can have 'interpretations' that excuse (praise) them anything.

 

I firmly believe the vast majority are obeying common sense acts keep those and their loved ones safe and well, with very few exceptions, despite the cretinous stupidity of the so called populist elite and their laws for everyone else but them.

 

You cant see your family ..

But your kids must go to school with teachers and assistants told to switch off their covid app while at school

and you can go into supermarkets without even a temperature check

 

You can't leave your home except for essential shopping

unless you are a populist minister like jenrick who can travel around three homes around the country at will

.. or Stanley Johnson and go where you like and do what you like

 

despite these abuses by the few - most are just trying to keep their loved ones safe in both body and mind.

  • Like 1

"In every respect, he has acted responsibly, legally and with integrity"

Boris Johnson on Dominic Cummings' Covid field trips

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris "unrepentant and inveterate liar" Johnsons' word

isn't worth the paper written on

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24 minutes ago, honeybee13 said:

It's being said online that other religions and communities have had their festivals cancelled this year because of Covid.

Christmas Day will still be Christmas Day whether we play charades with granny or not.  The difference between it and other religious festivals is that Christmas is a nationally recognised holiday.  It isn't religious for most people who 'celebrate' it one way or another, it's just more ingrained in the national psyche than others.

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4 minutes ago, tobyjugg2 said:

You can't leave your home except for essential shopping

Or one of the many other acceptable reasons.  I'm having a great time doing a clearout as recycling centres are open this time round and travelling to one is on the list of OK journeys.

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Anyway apparently the hapless Hancock is going to be Grinch, he is trying to get the other equally inept leader's Drakeford & Sturgeon to agree a national basically Zoom Christmas according to the Heil

 

https://www.dailymail.co.uk/news/article-8969327/Matt-Hancock-dampens-hopes-major-loosening-rules-Christmas.html

 

And so as not to disappoint the children, NORAD that has tracked Santa's Sleigh on Christmas Eve, (a nice bit of fun for children worldwide)  with realtime online tracking so they can follow Santa's worldwide progress online are doing it again but with less phone access due to Covid

 

https://www.independent.co.uk/news/sorry-grinch-virus-wont-stop-norad-from-tracking-santa-norad-tradition-volunteers-children-children-b1724697.html

 

Its been suggested on Social media that Matt Hancock has informed NORAD that  Santa's Sleigh will be shot down if it enters UK airspace to protect the children from Covid.

 

Its just that Hancock  seems devoid of any common humanity and is more like the Android David from Prometheus.  And the NORAD tracking is just a bit of fun that gives a bit of Christmas cheer, to the defence tracking system operatives.

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!

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lets also not forget that in my area a number of clinical NHS staff and many administrative NHS staff who come into contact with 100's of patients a day still haven't even had their flu jabs, despite repeatedly requesting them, due to 'none being available'

Edited by tobyjugg2

"In every respect, he has acted responsibly, legally and with integrity"

Boris Johnson on Dominic Cummings' Covid field trips

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris "unrepentant and inveterate liar" Johnsons' word

isn't worth the paper written on

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