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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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Well here you go, according to the Heil, 6 week Lockdown for Engerland (how England football fans pronounce England) more draconian than Dripford in Wales with travel & commuting ban  Dripford will not be outdone so expect him to close all shops in Wales and ban people from leaving the house.

 

They have all mismanaged this from day 1

https://www.dailymail.co.uk/news/article-9065485/Boris-Johnson-warns-No-Deal-likely-plunging-38-million-Tier-3-lockdown-misery.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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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

Posted Images

This is from Christina Pagel of Indie Sage.

 

'“The people who’ll get sick and die… are the people who'd be first in line for the vaccine in January.” UCL Clinical Research Director Prof Christina Pagel says we “can’t afford” to relax restrictions further'

 

https://twitter.com/i/status/1339707750419374081

 

Illegitimi non carborundum

 

 

 

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1. Absolutely no doubt that the new variant is more virulent

 

2. Absolutely no doubt that there will be extensive lockdown immediately after Christmas spreading through to March/April

 

3. Likely that Patel will use 'emergency powers' to ban demonstrations (gatherings) against covid restrictions/poverty/losing jobs/homes .. and Brexit .. just be interesting to see if that includes fox hunting and grouse shooting

 

4. Given the aspiration to inoculate only UPTO 25 million people by the end of next year, and the likelihood of further Covid virus mutations and apparently limited resistance duration from the inoculations

- we will be back to needing 3-6x (if 2 per year are needed) that many inoculations (including all those inoculated next year) starting the end of next year

 

5. Given the above - its most likely our world will NOT be returning to anything like normal next year.

 

 

and all that presupposes

1. The unlikely demonstration and application of some level of competence from those in power here

2. No outbreaks of some new pandemic

 

  • Sad 2

"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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Yes TJ looks grim, meanwhile in Wales with the Essential/None essential trope, hope nothing breaks we won't be able to replace it and Tesco will go all stupid again refusing to sell nappies and Sanitary towels.

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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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Yes but that's how surreal it was last time.  gething was challenged over a kettle breaking, he said boil a pan on the stove, he was then told that isn't an option or safe for elderly or disabled,

 

The feminine hygeine and baby equipment was the most egregious, Tesco in Cardiff reused to sell baby Formula as they had cordoned the aile off, along with nappies. Gething had a roasting and he had to say that he had decided to allow the sale as they were essential to some. he is another self opinionated numpty.

 

https://www.dailymail.co.uk/news/article-8871385/Welsh-ministers-flounder-try-defend-new-shopping-rules.html

 

https://www.itv.com/news/wales/2020-10-25/welsh-government-to-review-clarity-of-non-essential-item-ban-in-supermarkets

 

We are expecting similar Muppetry on the 28th December with stores unable to sell the Christmas surplus stuff  off cheap, as non essential.

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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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So, Can anyone explain to me why:

 

* The new virus variant (see earlier posts re more virulent strains in USA) was spreading in the South while London, despite higher infection rates, was left in a lower tier and people continue to travel in and out of London

 

* Kids are still at school - apart from mainly southern private schools who send their rich kids home across the country when infections are found

 

* You can't see your local family at Christmas who are all in the same 10 mile radius, let alone some from the next county - to supposedly prevent the spread of infection, but delivery drivers can travel around the country without any tests whatsoever and your kids have to go and mix in schools in full class sizes

 

 

 

"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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https://www.independent.co.uk/news/uk/home-news/traffic-tier-4-london-south-east-b1776612.html

"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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Is it too cynical of me to think Boris left this so late so people would all crowd to the shops and spend money getting ready for a family Christmas which was never going to happen?

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It's cynical but possibly not too cynical, hightail. You have a point.

 

I tend towards cock up rather than conspiracy in that Johnson didn't want to make the decision, but I suppose the net effect is the same...

Illegitimi non carborundum

 

 

 

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There's an awful lot of unnecessary spending gone on which wouldn't have happened if he'd done it sooner.  The food waste alone is going to be horrendous, it's been bad enough in the pubs with people ordering food which just gets thrown away.

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48 minutes ago, hightail said:

Is it too cynical of me to think Boris left this so late so people would all crowd to the shops and spend money getting ready for a family Christmas which was never going to happen?

I think that was one of the drivers - but driven by Johnsons wishful thinking and entire lack of any management or planning skills other than 'something will turn up and we can just pretend its all good if nothing turns up'

I have no doubts though that some behind Johnson driving the policies have profit as a motive for what they are promoting,

Not so sure that genocide/population reduction is a direct driver now that Cummings has gone - but not clear on that.

 

This site is getting worse - fan goes like mad when this site is up and even typing is delayed

"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 many tabs open in browser TJ? think I had 100 open in 32 Gb RAM before the browser slowed down, put in 64 Gb kit and is ok now 😁

 

Seriously Johnson has lost the plot, as have the others. Its been a disaster from the beginning.

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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 remember so many claims that Johnson was 'really clever' and simply hid it under the bumbling tosspot exterior

Not sure whether they were even more utterly stupid BS'ers than johnson, or simply liars.

 

Johnson has an unblemished history of utter incompetence, total lack of planning and management skills and wasting taxpayer money by the lorry convoy load - and it remains unblemished.

 

he's made mugs of us all

So ensure you get yours

 

244444465_britishtitsmug.thumb.jpg.8cce1bc6d8435929da21b43f33707748.jpg

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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2 hours ago, brassnecked said:

How many tabs open in browser TJ? think I had 100 open in 32 Gb RAM before the browser slowed down, put in 64 Gb kit and is ok now 😁

 

 

Quite a few, but shut down just this sites tab and the computer relaxes

 

I'd tracked a fair bit of it to the ticker, but even blocking that uses nearly as much processing as it running

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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On 18/12/2020 at 06:54, honeybee13 said:

London, there was a survey in the last week or two that said around 50% of people would rather carry on with restrictions than come out of lockdown for Christmas, potentially lose a lot more people and then have to lock down again after Xmas.

 

Christina Pagel of Indie Sage was on Newsnight and she pointed out that the people we're likely to lose are probably first in line for the vaccine.

 

The thing is, whether Christmas lockdown or not, there will be an extended lockdown after becsause we don't have a working effective properly managed test and trace, no temp checks at supermarkets, and key frontline staff at schools and supermarkets and delivery companies (for example) not tested

 

a more 'open' christmas will make little difference as i believe many people will not obey, and as already stated

Where is the sense in not seeing your local family who will be properly monitoring their health to protect their loved ones, when going to the supermarket - or the kids to school opens everyome up to 30+ other households minimum.

 

"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 addition to the mutation previously reported in metropolitan areas of the USA and the new strain in the South of the UK resulting in travel from the UK being banned by an increasing number of countries ..

 

https://www.euroweeklynews.com/2020/12/19/south-africa-reports-new-severe-covid-strain/

 

South African health minister Zwelini Mkhize reported on Friday, December 18 that a new, more severe variant of Covid-19, known as the 501.V2 Variant, has been detected in younger people and he has notified the World Health Organisation.

 

France has banned all travel (unclear how far RoI will go) - so the Farage Garages should be quickly tested

Lets hope they are more prepared than the Nightingale Hospitals were and are.

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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Share on other sites
On 20/12/2020 at 19:02, tobyjugg2 said:

South African health minister Zwelini Mkhize reported on Friday, December 18 that a new, more severe variant of Covid-19, known as the 501.V2 Variant, has been detected in younger people and he has notified the World Health Organisation.

There is a worry that the new variant here is infecting children more easily too.

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Schools have been a major issue, they need to sort some online alternatibves, and some way of providing laptops for poorer families. A Communal wifi on some estates may be an option for connectivity.

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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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Tories dont even want to see the kids fed, so wifi and laptops/tabs, or even schoolbooks seems a stretch.

 

Send your nearest Tory MP a home made Christmas card with this on the front

- mind you, they'll all be at their second or third homes for Christmas wont they, so probably wont see them until the new year after their Christmas festivities and eating

 

802985067_Baneoftories-kidseating-s.jpg.52db69b50eb98c93e8fa7973de3b1293.jpg

 

 

"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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Share on other sites

Tou mean the festivities they will have but Johnson, hancock, Drakeford, & Sturgeon have banned in effect for everyone else?

We could do with some help from you.

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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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Hasn't stopped them travelling between their 'homes' has it ?

 

example:

Friend of mind lives in Jenricks 'seat - jenrick shunts around his and his parents various houses at will 'alledgedly

Standing Joke locally apparently

Nottinghamshire, Herefordshire. Shropshire, London ....

 

 

https://eastdevonwatch.org/2020/04/12/robert-jenrick-claimed-100000-expenses-for-third-home/

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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Shame plod won't feel his collar make an example of him.

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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

 

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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serious blow:

Seems the lateral flow tests are at least as inaccurate as I had understood, and role out is being halted

 

I dont know the ins and outs yet.

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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