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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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Its all political now Hightail, and the politicians are playing with lives, also Hancock seems to think that its ok to have a flexible interval between jabs, and mix and match vaccines at random depending on what available on the day, with no clue as to adverse interactions.  he should be in jail along with Whitty and ferguson,.

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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

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more bad news which although not fully confirmed - entirely expected.

 

https://www.theguardian.com/society/2021/jan/20/covid-vaccines-may-need-updating-to-protect-against-new-variant-study-suggests

 

501Y.v2 or B1351 variant

* substantially resistant to antibodies in blood plasma donated by Covid patients.

* Nearly half, or 21 of 44 patients, (donated blood plasma)  “had no detectable neutralisation activity”

* more likely to reinfect people who have already had Covid

* ability of (existing/prior) antibodies to neutralise the virus typically fell eight-fold with the new variant

* Cases of reinfection with the B1351 variant have already been reported in South Africa

* exceeds WHO requirements for a new/modified vaccine.

 

"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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Laptops sent to schools for pupils who don't have a computer may have malware on them, as some schools are finding.

 

https://www.theguardian.com/education/2021/jan/21/malware-reportedly-found-laptops-children-england

 

Jolyon Maugham is also investigating the price paid to Computacenter, owned by a Tory donor, which appears to be too high. Some of the laptops have arrived without the sound facility which means children can't participate properly.

Illegitimi non carborundum

 

 

 

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Looks like they have just sent out any old thing without checking it properly, or just installed Windows etc, without making sure it all works.  Windows 10 is a pain sometimes, maybe the laptops areen't powerful enough to run it either.

 

Then there is the question of the Internet access. a whole other potential world of pain for poor families..

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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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"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 think handcock and dodo should sign up for this

 

https://www.coursera.org/learn/covid-19-contact-tracing

"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 agree to the first couple of paragraphs in the Johns Hopkins article that the vaccines have been tested with a particular interval between the doses.

 

I said already that I don't agree with messing with the timings and worry that the benefit of the first dose could be reduced or lost completely if it isn't followed up at the right time. I can't remember where I read it yesterday but I saw a headline that Israel has found covid cases after people were vaccinated the first time.

 

ETA: Not the article I was thinking of, but this is along the same lines.

 

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

Illegitimi non carborundum

 

 

 

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"With both vaccines, the goal was to be well above the antibody levels of persons who recovered from the natural SARS-CoV-2 infection. In other words, if we could immunize to antibody levels above natural immunity, we would consider the vaccines to be successful.

The Phase I trials of these vaccines showed that it took two doses of mRNA to get above these natural levels."

 

"Both scientific papers on the Pfizer and Moderna vaccines show results that say the vaccines seem to start working 10-12 days after the first dose. These trends, which show protection versus placebo, are extended out for the next four months, with increasing protection.

The data after 21 days for the Pfizer vaccine or after 28 days for the Moderna vaccine, however, show the results of the second dose, since everyone in these trials received two doses.

Whether high levels of prevention were achieved or sustained with just the first dose is unknown."

"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.nytimes.com/2021/01/25/health/coronavirus-moderna-vaccine-variant.html

 

"Merck, a leading drug company, on Monday abandoned two experimental coronavirus vaccines altogether, saying they did not produce a strong enough immune response against the original version of the virus.

Moderna and Pfizer-BioNTech both said their vaccines were effective against new variants of the coronavirus discovered in Britain and South Africa. But they are slightly less protective against the variant in South Africa, which may be more adept at dodging antibodies in the bloodstream."

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
 
If "the government did everything it could to minimise deaths" can I politely suggest that we need a different government?
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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... and Johnson says, and demonstrates he has no intention of learning any lessons until (much) later

"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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That's what's so depressing. They're refusing to learn from countries who got it right and just spending a fortune on reinventing the wheel and parallel systems that don't work, run by their cronies.

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Illegitimi non carborundum

 

 

 

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Johnson (allegedly) planning an UN-necessary and largely un-wanted trip to Scotland to test his eyesight isnt he?

 

Wonder if Nickies bobbies will be waiting at the border with a fine?

"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

Wee Nicola said it isn't a good example to be travelling right now and I agree with her.

 

I assume this is about belatedly trying to hold the union together, why not do it by conference call?

Illegitimi non carborundum

 

 

 

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Its some 'misguided' attempt to improve his 'perception' in Scotland

(Testing eyesight)

Incompetent as always.

 

MUST be hoping for a Trump like rally when he gets there ... else why wander up there with his entourage?

He can swoop in with 'Eye of the Piers Morgan' playing

 

 

"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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Perhaps following his dads example of bypassing his own rules by flying in from one of the countries where you dont have to isolate

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

Meanwhile the EU is reviving the Ally Your base internet Zero Wing meme with All your vaccines belong to us.

 

https://www.dailymail.co.uk/money/comment/article-9193993/MAGGIE-PAGANO-Shame-Brussels-bullies.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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Anyway as Priti Patel says you can't go abroad for a holiday, and given the control freakery, soon have to Quarantine if you go to England from Wales or England to Scotland & back so Johnson stuffed🤣

We could do with some help from you.

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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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I think it particularly telling that overweight poopulist Tory **** whos worst experience on missing a meal is missing out on cake, biscuit and tea for elevensese between free breakfast and free lunch,

and who voted as a decidedly overweight whole to leave British children hungry,

STILL claim that its age and obesity, not their own policies and practices, that have generating the 'world beating' British death rates.

 

Perhaps they are leading up to claiming that them voting for children to go hungry was part of the health drive to reduce the childrens risk of catching Covid? Wouldn't put it past them.

 

 

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

That is one mean spirited individual, looks like what a Dickensian female Workhouse Beadle would look like.

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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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Piers aint that bad (recently amended opinion)

 

:-)

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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Breaking News:

 

Johnson 'The Liar' and his full support entourage arrive in Scotland after their long trip.

 

Rumours indicate a possible stop off at Barnard Castle for a 'Stay at Home' rally on the way back to London after the brief visit to Scotland to highlight the governments crucial stay at home message.

 

 

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

Link to post
Share on other sites

"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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