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    • The two companies are lowell and cabot.   I'll get the information and come back with it.   I did do quite a bit of 'Google' research before coming on here. There's a lot of confusing information out there they seem to tell you half the story.   Just so I'm clear. Bailiffs in my situation, if authorised by a court. Can enter the property through an unlocked door and seizure goods? Or can they not do that with a consumer credit ccj? Or point me in the right direction so I can read up on it.   Thank you for your help. It's good to finally speak to somebody who tells you how it is.
    • I've just acknowledged the claim and im reading up on how to do the cca and cpr requests now.   Thanks for all your help         Edit:   I was jus reading the cpr 13 template and it says i am requesting: " (template removed - dx)
    • Hi dx   Post 23 letter has been hidden as has a name in it. I did read the thread and in post 7 saw mention of 'must complain within 3 years of being aware it was mis-sold' if this is what you are referring to? Also my policy is live currently.   I think you know this, but it seems the RBS/Halifax agent doesnt know, that 'I became aware it was mis-sold just before I raised my claim (2019) having read a media article'  as I dont think the PPi team showed them the original claim form maybe, who knows.   Expanding, sorry I missed the word PPi after 'loan' in my post you quoted and highlighted. To be clear, the life protector was not for a loan, but a mortgage, and that mortgage did have a mis-sold PPi on it which they have admitted and refunded.   If it helps, I have several mortgage offers here from 1999 and they say 'Minimum life cover to be assigned to the bank'    The odd thing here is, I started the mortgage and PPi in 1999 but it was 2003 this life assurance started. I do categorically recall being told it was something I had to have though.   Many thanks   E 
    • MP's are good for other things but for some reason are not very good for Council Tax.
    • I've just acknowledged the claim and im reading up on how to do the cca and cpr requests now.   Thanks for all your help  
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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 called my GP surgery and offered to jump in car and turn up at no notice if they got no shows and was told 'thats simply not happening'

When I pointed out that the BBC had raised the issue I was quite bruskly interrupted (unusual at my surgery) and told the media is spouting rubbish which is helping no-one.

 

I do know that hospital/vaccination center staff are/have been given doses from failed attendances. presumably managed locally

 

We need to understand that patients can call again, but the vaccination doses are and will remain for some time limited

and waste (including relying on others turning up after one failure to turn up) is to be avoided at all costs

 

There is also the issue of managing the second dose (errr) for those who are given one out of sequence. Let alone any questions regarding that being 'approved'

 

 

Personally I would be happy getting one dose early whatever happened later.

 (one different vaccine, two matching, no other, whatever)

 

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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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

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

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https://www.biospace.com/article/comparing-covid-19-vaccines-pfizer-biontech-moderna-astrazeneca-oxford-j-and-j-russia-s-sputnik-v/

"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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I read this morning that ‘a cabinet minister’ has complained that over 70s are being contacted before all over 80s have been vaccinated.  It’s beyond all sense to me that a vaccination programme should be slowed or halted for any reason except safety.  I accept there’s a pecking order and we’d like to adhere to some notion of fairness where possible but this is a pure numbers game surely.

Edited by hightail
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If its a 'cabinet minister' then its a poop-ulist

We shouldn't expect reasonableness or common sense let alone competence, or anything other than self interest and self promotion.

 

oops - and their private sector mates ewho will pay them megabucks for a few hours a year roles

- as long as its not their money thats wasted

 

https://www.independent.co.uk/news/health/nhs-test-and-trace-dido-harding-b1789098.html

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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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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has he been tested/vaccinated?

Might drive some sense into the poopulists if he gets really ill (second time around) and that might even change some perspectives ..

... neerrr its handcock - nobody cares

Edited by tobyjugg2
  • 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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Still - could be worse

If it was Corbyn he'd have his brother running the Track, Trace and chop down 4g and 5g telegraph poles department

... and immunising with tin foil hats ..

 

bacofoil shares through the roof ... and shortages

... Used hats recycled to cook your chicken in

... is that white pepper coating your chicken ... no just dandruff

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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Dr Jenny Harries, the deputy chief medical officer for England on the use of lateral flow tests in schools:

 

"What we are finding is it is highly effective, at probably around 80-85%, in picking up cases at their most infectious period"

 

1. Rubbish - the figures I've seen are that even with high viral loads the effectiveness is well below those 'probably around' figures she states

2. Where are the stats on what viral loads children carry to support her use? What I've seen is that kids commonly have lower viral loads when infected but are still infectious

3. What the crap is the deputy chief medical officer doing using 'probably' 'around' and fake figures in attempts to drive policy?

 

whatsup? Has whitty and Vallence refused to spout this nonesense so they called in more compliant backup?

 

https://www.theguardian.com/world/2021/jan/14/regulator-refuses-to-approve-mass-covid-testing-schools-in-england

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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I thought Jenny Harries was awful during the first wave.  As you say, TJ, those are nothing like the figures I've seen for LFTs. Several times I've read that they're being used for the wrong purpose, particularly in schools IIRC.

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Illegitimi non carborundum

 

 

 

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Lateral flow test are so inaccurate, its questionable that they are of any use at all

ACTUAL test figures show they miss around 30% of high viral loads and 60% (more than half) of lower viral loads.

 

I was expecting the accuracy to quickly start to improve .. but that doesn't seem to be the case.

They miss 3 out of 10 HIGH viral loads - crazy

 

What I haven't seen is stats on how many of those high (let alone low) viral loads that falsely tested negative actually had symptoms

If its quite a few then LFT would possibly seem to present more danger than benefits.

Edited by tobyjugg2
  • 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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Share on other sites

George Osborne, the Conservative former chancellor, has suggested that cabinet ministers - or at least some of them - should get priority for the vaccine.

 

NOPE

Last - very last - end of the queue

They are most able to work remotely, have no excuses whatsoever for not applying the distancing rules handcock would appear to have demonstrably breached,  and are all well paid (even the poorest Labour MP) and paid whether they are at work or not.

 

LAST in the queue.

 

Edited by tobyjugg2
  • Haha 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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Agree in principle TJ but if there are any nasty side effects, let them face them before anyone else is affected by them.

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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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11 minutes ago, tobyjugg2 said:

George Osborne, the Conservative former chancellor, has suggested that cabinet ministers - or at least some of them - should get priority for the vaccine.

 

NOPE

Last - very last - end of the queue

They are most able to work remotely, have no excuses whatsoever for not applying the distancing rules handcock would appear to have demonstrably breached,  and are all well paid (even the poorest Labour MP) and paid whether they are at work or not.

 

LAST in the queue.

 

so, which 'some of them' gets the vaccine as priority then ? 

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more very bad news which dramatically changes my perspectives

Single Covid vaccine dose in Israel 'less effective than we thought'

"In remarks reported by Army Radio, Nachman Ash said a single dose appeared “less effective than we had thought”, and also lower than Pfizer had suggested.

By contrast, those who had received their second dose of the Pfizer vaccine had a six- to 12-fold increase in antibodies, according to data released by Sheba Medical Center in Tel Hashomer on Monday."

 

https://www.theguardian.com/world/2021/jan/19/single-covid-vaccine-dose-in-israel-less-effective-than-we-hoped

Edited by tobyjugg2
  • Thanks 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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12 minutes ago, tobyjugg2 said:

more very bad news which dramatically changes my perspectives

Is there data anywhere on how effective each vaccine is in the various age groups?  It did cross my mind a few days ago that the numbers we've been fed are unlikely to be accurate for the currently targetted demographic.  How many over 80s were there in the original test groups?

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There must be, but what I've seen is patchwork/filtered/munged data

 

It also seems that a high % of the Israeli infections are apparently reported as the Johnson/Handcock/Kent variant

 

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

https://www.theguardian.com/education/2021/jan/19/ministers-set-to-halt-plans-for-daily-covid-tests-in-english-schools

 

Seems to indicate the the lateral flow tests for schools was intended to be used as an all clear, rather than as an extra trap.

Recipe for disaster that approach.

 

A further nail in the deputy chief lie mongers' flagrant mis-assertions of suitability.

"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

https://www.theguardian.com/world/2021/jan/21/covid-cases-may-have-stopped-falling-major-english-survey-shows

 

Covid cases may have stopped falling? What the ...

 

No sh** sherlock is all I can say!

Anyone actually think covid cases have been doing anything but increasing this year?

(even considering hospitalisations and deaths lag behind infections)

 

 

"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

I didn't really get that either, TJ.

 

Changing the subject a little, here's an article in the Independent that says anyone who gives a second vaccination before the 12 weeks stipulated will lose their licence. As you know, I have reservations about this length of wait working with the Pfizer vaccine, at least and this seems draconian.

 

So how come Stanley Johnson has already had both jabs? It can't be 12 weeks in between.

 

https://www.independent.co.uk/news/health/coronavirus-vaccines-nhs-hospitals-second-dose-b1790217.html?r=22629

Illegitimi non carborundum

 

 

 

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On 19/01/2021 at 13:54, honeybee13 said:

Cabinet ministers over 75, CB?

Righto.  I guess that covers the house of Lords as well ? 

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

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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7 hours ago, honeybee13 said:

Changing the subject a little, here's an article in the Independent that says anyone who gives a second vaccination before the 12 weeks stipulated will lose their licence. As you know, I have reservations about this length of wait working with the Pfizer vaccine, at least and this seems draconian.

It does seem draconion and like you I'm very wary of how effective a single dose can be with any of the currently available vaccines.  Certainly with any other vaccination programme straying outside the manufacturers recommendations means you must start the course all over again.  No ifs, no buts, no 'a government wants to make up the rules'.  The scientists are warning that the current vaccination programme doesn't mean we can relax the rules - what's the point of it then?

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O/H has had first pfiser covid dose today, DIL had it a week ago  (both patient facing NHS)

DIL had the relatively minor sore arm issues for half a day so its ... probably ... not psychosomatic

 

J&J vaccine coming along.

O/AZ is also being made and distributed in India with India selling on to others although significantly, its not approved in the EU or US.

 

Express and mail (and other usual poopulist/nutter cheerleader rags and web pages ) are spinning conspiracy crap around O/AZ NOT being approved elsewhere ...

.. but there is more justification for conspiracy crap around its early approval here it seems to me ..  .

and the lack of approval in the US and EU seems unquestionably tied to those (dodgy?) O/AZ test data issues

 

 

"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
12 hours ago, tobyjugg2 said:

and the lack of approval in the US and EU seems unquestionably tied to those (dodgy?) O/AZ test data issues

I don't think we have any reliable data for a single dose of any vaccine so far.  What we do have from the current protocol are great figures for how many people have received a single shot.  I'm concerned that's more useful for political propoganda than medical efficacy.

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