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    • to frighten and intimidate you most probably. don't engage.   have you done your WS yet? needs doing in the next 7days    
    • I just got the same response from Hermes below. What would you advise I do next?    "I am sorry you have had to contact us regarding the delivery of your parcel.    I have looked into your concerns and understand that as as you selected the maximum compensation level of £300 Hermes cannot exceed this amount as per your contract.   So that we can process this as quickly as possible for you, we kindly request that you send us some details:   - your bank sort code - your bank account number (the short one, not the long card number) - your name as it appears on your bank card   Once we have received the above information, we will send you a further email once the payment has been processed. This can take up to 5 working days to reach you   Please accept my apologies for the frustration this has caused you.       If you require any further assistance, please don’t hesitate to contact us."  
    • Hi had a call today and the number is associated with Moneyboat why would they be calling this close to the court hearing? Any ideas welcomed    Thanks G
    • Hello   In my view  a self imposed bankruptcy is not necessary.   Your friend just has to accept the situation he is in and set things up to deal with it.   I think that by following a plan off filing everything, saying nothing and letting the Creditors do all the work he will come out of it in the end.   He may need to get his girlfriend on board but once he understands what these creditors can (and cannot do) it may well become less of a worry and more of a sport!   In post #8 you asked for the stages of collection so based on my experience since 2006 I will give you the various stages and make some other comments:   You fail to meet a payment date:- the creditor writes a reminder letter You ignore the letter, they send another letter and possibly emails, SMS and phone calls, all of which are ignored. The cycle continues for a period of time with a number of letters arriving from the creditor. Sometimes the case will be handed off to a Debt collector for a time which is nothing more than a company set up to make phone calls and write automatic letters. They have no power and can be ignored. At some point the creditor will issue a Default notice. This is legally important to the Creditor (but not necessarily important to your friend as it is required by the consumer credit act before any other action is taken. It will give a date by which you must do something usually to pay the arrears. If you don’t pay the arrears then you are in Default and they can go to the next stage. After a period of some months account closure usually follows. It is unlikely the Creditor will take legal action. After a period of time where you continue to get periodic letters and communications from various debt collectors the debt is sold typically for 10p to 15p in the £ to a Debt buyer. This might take six months or as much as a couple of years. You receive a “goodbye” letter from the creditor which says it has sold the debt to the buyer. You receive a “hullo” letter from the debt buyer which tells you that I now owns the debt. Sometimes the above two are in the same envelope.   The debt buyer will start out very friendly but will then get more aggressive. Even at this stage it is best to ignore them. They will sometimes offer you an amount less than the full value to get a quick profit from their purchase. You might want to take advantage of it but I take the view that if they had a strong case to get everything why would they settle for less? They know they have a weak claim when you get this kind of letter. At some point they will do an assessment on you to decide if it is worth taking court action. The bigger the debt the more likely it is, also if you are seen to have assets such as a property or shares. They will start by instructing a solicitor to send a Letter Before Action. This states what they think you owe them and gives you a set amount of time to pay it or respond with payment proposals. It may be wise to respond at this point but best to refer it to this forum for proper advice on what to do. After you fail to respond to the above they will pay a court fee and issue a County court Claim. You will receive a claim pack from the court with a number of sheets of paper; the claim itself, an acknowledgment of service, a defence form. The claim is usually created on line with the solicitor typing in the details. The Court then automatically prints and sends the claim pack. As a result it will not have any supporting documents such as original agreements, statements or anything else. IMPORTANT: this is the first document you absolutely must respond to. First thing to do is find the paper that says acknowledgment of service and send it back. This gives you 28 days to respond instead of 14. If you don't do this or immediately defend then after 14 days you will automatically loose. After this you are into the world of defending the claim which is usually very defend-able as the Solicitor has in all likelihood not provided you with any documents. This is because neither he nor his client have any and they will have to go back to the original lender to get any and very likely they will not get them. (In my own experience I helped a friend by writing to ten creditors asking for copies of the original agreement and not one came up with anything). It is possible you could loose the case in which case you still owe the money and are not much worse of than before because the creditor still has to collect it and without assets it will take a long time to pay off.   Overall, though I don’t think it is a great idea to be in debt, given the extent to which your friend is buried my advice is to consider the old adage “If you owe a tenner it is your problem, if you owe Ten thousand it is their problem”.   To that extent I would follow this plan:   Save all correspondence including the envelopes they arrived in. Do it in chronological order and have separate folders for each debt. As a rule, ignore everything unless it comes from a solicitor or the Court. I cannot stress this enough. Be a black hole into which letters, emails, texts and phone calls disappear, never to be answered, replied to or spoken to in any way. Some people just cannot shut up! Make sure your friend does! The exception is if your friend changes address in which case write to every creditor (or debt buyer that has bought the debt) and advise of change of address WITHOUT signing the letter as such, just type the name at the bottom.   (This is so they don't send court documents to the old address). In most if not all cases that will be it. Just keep filing until six years have passed or five in Scotland. This is because after that time the debt becomes statute barred and the courts will not consider it as it has become too old. (The statue barred date begins 14 days after the date of the Default notice mentioned above and six years after that it is all over for court action). In one or two cases a Court Claim may be made in which case defend it which is a whole other ball game but basically ask them for proof of the debt which they very likely cannot provide, if they can provide challenge it's enforceability,  mostly it's game over for them.   Your friend can start to get on with his life if he follows this plan and learns to accept that these debts are not necessarily the millstone he thinks. He can live within his means and have a good and fun life which is what he deserves. The original creditors have accepted some money from the debt buyer so presumably are happy and the debt buyer will make a profit across the whole bunch of debts he bought even if he makes nothing from your friend so he is happy. If nether of them are happy then they should not have got themselves into the situation in the first place.   As always I finish my comments by saying I am not a legal professional just a guy that got into to trouble in 2006 and learned a lot of this stuff along the way.   I welcome any comments from other CAGers, particularly if they spot any mistakes.
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Boris Johnson Prime Minister


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I think the £600k was to try and scare off the GLP and get them to drop the case. Someone pointed out that it's more than the contract was worth.

Illegitimi non carborundum

 

 

 

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True

but do you doubt in any way whatsoever that that is the sort of figure they would have sought had they won?

I don't

 

If you are going to train a virus to escape vaccine-induced immunity

you would do exactly what (England) are doing

 

"unrepentant and inveterate liar" “Moral emptiness and epidemiological stupidity”

Boris Johnson Mendex est

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

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18 minutes ago, honeybee13 said:

Do you mean they would have claimed more or less £600k, TJ?

 

One word dropped from the quote + Yes to that

 

If you are going to train a virus to escape vaccine-induced immunity

you would do exactly what (England) are doing

 

"unrepentant and inveterate liar" “Moral emptiness and epidemiological stupidity”

Boris Johnson Mendex est

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

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 @honeybee13

"It's been a bad couple of days for the Cabinet Office, two lost court cases over the FoI 'suppression unit' and Gove and Cummings hiring mates illegally.

 

WWW.OPENDEMOCRACY.NET

Exclusive: UK government accused of ‘profound lack of transparency’ as openDemocracy wins legal victory over ‘Orwellian’ Freedom of Information...

 

WWW.THEGUARDIAN.COM

Judge says contract given to firm run by friends of Boris Johnson’s former chief adviser was awarded illegally"

 

Funny how the Guardian can say that the judge said it awarded ''illegally'' when they go on the quote the judge actually saying it was ''unlawful''. Tut tut.

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WWW.THEATLANTIC.COM

Boris Johnson knows exactly what he’s doing.

 

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28 minutes ago, cjcregg said:

 

Funny how the Guardian can say that the judge said it awarded ''illegally'' when they go on the quote the judge actually saying it was ''unlawful''. Tut tut.

 

OK. You probably don't like Jolyon Maugham either, but he is a QC. He tweeted this earlier.

 

'Not one but two ministers have now been found to have broken the law on procurement. It’s a vindication of what Good Law Project has been saying for months: this is institutionalized cronyism.'

  • Like 1

Illegitimi non carborundum

 

 

 

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46 minutes ago, honeybee13 said:

 

OK. You probably don't like Jolyon Maugham either, but he is a QC. He tweeted this earlier.

 

'Not one but two ministers have now been found to have broken the law on procurement. It’s a vindication of what Good Law Project has been saying for months: this is institutionalized cronyism.'

 

Yep, he got it wrong too.

 

 

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cjc, you don't need to Quote my posts to reply when they're just above yours, it just lengthens the thread and makes it harder for people reading on phones.

Illegitimi non carborundum

 

 

 

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Breaking populist style news

 

Two men charged with allegedly sending grossly offensive, indecent, obscene, or menacing message or matter via a public communication network.

The material was alleged to contain images of Home Secretary Priti Patel.

The two men are also alleged to have sent racist material, potentially adding to their crimes.

 

It should be noted that the current home secretary, in between bouts of hurling abuse at those under her control,  has previously complained about a cartoon being racist as she saw it as showing her as a 'fat cow', despite the cartoon also showing whiter than Daz washed whites Johnson similarly.

 

Although the cartoon did show both Patel and Johnson with bovine features, it was seen by most as a simple statement on her BULLying and  a comment on what she and Boris Johnson continually spout - with no racist intent.

https://metro.co.uk/2020/06/09/priti-patel-criticises-racist-cartoon-showing-fat-cow-guardian-12826463/

 

 

If you are going to train a virus to escape vaccine-induced immunity

you would do exactly what (England) are doing

 

"unrepentant and inveterate liar" “Moral emptiness and epidemiological stupidity”

Boris Johnson Mendex est

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

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Posted (edited)
2 hours ago, BankFodder said:
WWW.THEATLANTIC.COM

Boris Johnson knows exactly what he’s doing.

 

 

I actually dont agree with that headline or much of the assessment

IMO Johnson is almost certainly Antisocial Personality Disorder - where on the spectrum is harder to gauge, but certainly not high functioning

 

Edited by tobyjugg2

 

If you are going to train a virus to escape vaccine-induced immunity

you would do exactly what (England) are doing

 

"unrepentant and inveterate liar" “Moral emptiness and epidemiological stupidity”

Boris Johnson Mendex est

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

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The G7 hasn't gone to plan, has it?

 

Rather than showing the UK off as a potential global leader, Johnson has probably started a trade war with the EU and is being told that other nations don't trust him.

Illegitimi non carborundum

 

 

 

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Johnson literally cant manage a pi** up in a brewary

Biggest lie of all is that the bumbling idiocy is a cover for smartness.

 

It would seem even Johnson thinks his own/Frosts hard sold cake and eat it 'grate deal' has quickly shown itself to just be yet another burdensome, unpalatable and inedible 'Eaton Mess' ..  made from reeaall poo

 

 

If you are going to train a virus to escape vaccine-induced immunity

you would do exactly what (England) are doing

 

"unrepentant and inveterate liar" “Moral emptiness and epidemiological stupidity”

Boris Johnson Mendex est

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

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'Global Britain' has refused to let foreign journalists into the final G7 briefing.

 

Tweet from David Henig.

But I think more likely that the PM is simply angry that the EU and US are not believing a word he says on Northern Ireland, and is doubling down because he isn't used to this. This is, again, personal. The future of the UK rather less important than the future of Boris Johnson.

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Illegitimi non carborundum

 

 

 

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"“It’s utterly offensive that the EU treats Northern Ireland as separate from the UK” says government that negotiated, signed up to and championed deal that treats Northern Ireland as separate from the UK."

- David Schneider

  • Like 1

 

If you are going to train a virus to escape vaccine-induced immunity

you would do exactly what (England) are doing

 

"unrepentant and inveterate liar" “Moral emptiness and epidemiological stupidity”

Boris Johnson Mendex est

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

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Former Speaker John Bercow has joined Labour as he thinks it's the only way to get the Tories out.

 

WWW.THEGUARDIAN.COM

Former Speaker joined the Conservatives aged 17 but says party has become reactionary and xenophobic under its current leadership

 

Illegitimi non carborundum

 

 

 

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Posted (edited)

Each time I look at this thread, even the title is an offence and insult to the British (while it lasts) nation

 

What will we call England and Wales and its Tax haven protectorates?

 

Although Johnsons 'protection' runs to sub 20 miles now doesn't it?

https://www.theguardian.com/uk-news/2021/jun/03/mod-military-pauses-trials-army-tank-fleet-safety-concerns-ajax

 

 

Edited by tobyjugg2

 

If you are going to train a virus to escape vaccine-induced immunity

you would do exactly what (England) are doing

 

"unrepentant and inveterate liar" “Moral emptiness and epidemiological stupidity”

Boris Johnson Mendex est

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

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  • 2 weeks later...

and a HUGE blow to Johnson

YAYYY

Despite all the blether, the Tories were expected to win if their prior voters hadn't deserted them

 

If you are going to train a virus to escape vaccine-induced immunity

you would do exactly what (England) are doing

 

"unrepentant and inveterate liar" “Moral emptiness and epidemiological stupidity”

Boris Johnson Mendex est

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

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  • 2 weeks later...

and at long last people are challenging him on it - far better than the 'ineffective opposition

 

Even the ERG *Steve Baker is using this to turn on him and Patel .. alongside the few remaining real Tories ...

his days would now really seem to be numbered, but I doubt we'll see much improvement with whatever numpty replaces him

 

I see the other nations of the soon to be ex union distancing themselves ever more from Johnsons England as the world considers dropping the UK off the face of the world map on  'freedom day for Covid and Covid deniers'

Lock up your daughters and 5G towers when they are let loose.

 

If you are going to train a virus to escape vaccine-induced immunity

you would do exactly what (England) are doing

 

"unrepentant and inveterate liar" “Moral emptiness and epidemiological stupidity”

Boris Johnson Mendex est

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

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Posted (edited)

Oh .. and Johnsons 'Global Britain' would appear to continue to mean its owned by the rest of the world

 

WWW.INDEPENDENT.CO.UK

‘We’ve witnessed too many of our country’s brilliant tech firms disappear abroad with potentially significant economic and foreign policy implications’

 

 

Edited by tobyjugg2

 

If you are going to train a virus to escape vaccine-induced immunity

you would do exactly what (England) are doing

 

"unrepentant and inveterate liar" “Moral emptiness and epidemiological stupidity”

Boris Johnson Mendex est

 

“The failure of the cheerleaders of Brexit to acknowledge the consequences of Brexit as due to Brexit remains remarkable.” - David Schneider

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