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    • And the UB asked if there were more common colds, would there be more “positive” covid tests.   It depends. It depends on what you mean by “positive test”!   People want perfect tests: no false positive, no false negatives, so 100% sensitivity and 100% specificity, with resulting 100% “predictive values” (both pos and neg predictive values).   but those tests only exist in theory, not in practice.   As the number of tests change, the sensitivity and specificity don’t: they are a function of the test, not of the number of tests.   However, the positive and negative predictive values change with the prevalence of the condition. more tests for whatever reason:  more false positives : in direct relation to the number of tests, as the sensitivity and specificity hasn’t changed.   But, with a falling prevalence of covid : the same number of “more tests” (due to more colds that aren’t covid), the same number of false positives still, but the number of true positives falls, so the positive predictive value of the test falls ……..   (and PPV and NPV are what matter to the individual : “what does my test result mean to me”, whereas sensitivity and specificity matter more to the scientists and statisticians…..)     As for “cycle time” : the lower the cycle time the more of the “target sequence” was present.   A high cycle time can mean a false positive (the “target sequence” was never really present, but got created during the process as an incidental effect of doing the PCR, and then gets “amplified” to the level of detection, so “signals positive” late in the process)   For targets where the organism can colonise, a late CT can reflect colonisation. As an example : Almost all of us have our “respiratory tree” colonised with Pneumocystis jiroveci (what used to be called Pneumocystis carinii, the bug that causes Pneumocystis pneumonia in the immunocompromised). It isn’t causing an infection, it is just residing there minding its own business.   So, if I said “hey, do a bronchoscopy on me for fun, and send lots of PCP PCR’s!” : I’d expect them eventually to get a result that was positive, with a high cycle time. ”Positive test” but doesn’t indicate disease.   So, all tests should be interpreted in the light of their PPV / NPV, the “cycle time” (where relevant), if the organism can colonise, and the “pre-test probability” of the test.
    • Turnaround specialist Alvarez & Marsal has been appointed as administrators of Utility Point, which ceased trading last weekView the full article
    • My wife has now received a Letter Before County Court Claim from ParkingEye. Should I ignore it or just send them a snotty letter ?
    • @brassnecked So does that mean when we have loads of people with common colds, that there will be a big increase in positive covid tests ?    
    • It is having a record of notifying them of your new address.   If they got a Court judgement using your old address, when they had your new address, you would apply to have the judgement set aside, which would enable you to receive a Court hearing where you could defend.   I cannot remember seeing any UAE debts being subject to Court action in Scotland, as I think it is more difficult than England/Wales.   But you need to keep an eye out for any letters and always open/read.   Come back for advice if they are advising that they will be starting any Court action.   *** Very important -  Make private any social media accounts, such as Facebook, Linkedin.  Be careful, if you are contacted via social media, as it is not unknown for debt collectors to make contact using social media accounts in an attempt to embarrass people. ***    
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jennifer1268 vs lloyds ****WON****


jennifer1268
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More waiting for you then Jennifer but it'll be worth it in the end

:)

 

You need to have the patience of a saint with this lot coz they love to keep you waiting.

 

Stick with it hun

 

xxxxxxxx

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Same thing happened to me Jen :mad: but, I received their defence about 2 -3 days before the deadline. I think they may be getting rather busy or, they don't care because they have the 28 days to file a defence and bargin on the court giving them a little lee way.

 

Anyway, keep at em ;)

 

~S~

Griffin

04/01/07 New S.A.R - (Subject Access Request) sent by RECORDED DELIVERY

05/01/07 Delivery of S.A.R - (Subject Access Request) confirmed by Royal Mail

18/01/07 S.A.R - (Subject Access Request) data received

09/02/07 Prelim letter sent.

16/02/07 Frist template response received (nothing out of the ordinary).

23/02/07 LBA sent.

22/03/07 Claim issued to County Court

28/03/07 Claim served on Lloyds TSB (to reply by 11/04/07)

16/04/07 Acknowledgement of service (date stamped 12/04/07) received. Lloyds intend to defend the whole of the claim.(Lloyds' defense to be filed by 25/04/07)

26/04/07 Received Lloyds defense (standard 9 point) AQ to be returned by 11/05/07

09/05/07 My AQ returned to court

22/05/07 Lloyds have not met the AQ deadline. Court give them until 05 June to file

05/06/07 AQ filed by Lloyds with application for 1 month stay

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Minx and griffin, thanks for your support:) I hope Lloyds don't drag it out for too long now because i'm quite desperate for this money. O.k forget the quite, i'm really desperate!!! But i know you're right minx, from what i've read on here i'm going to need a lot of patience but it'll be worth it when they do eventually pay up. It annoys me that they don't stick to the deadlines the court gives them but as you say griffin they may be rather busy. Ha Ha :-D

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  • 3 weeks later...

Morning all:) Lloyds had until last saturday to send their defence, which they still haven't done. I've given them an extra week so if nothing comes in post today should i go for judgement? Thanks, jennifer

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Morning Jenifer, Have a look at this http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html?garpg=13 if you haven't seen it already. You really should write to them telling them you intend to get judgement. Also see here http://www.consumeractiongroup.co.uk/forum/lloyds-bank/63766-order-judgement-sending-bailiffs.html from about page 5 onwards. Usefull discusion about the merits of judgement in default

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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Hi jshtr3, thanks v much for your reply:) Yes the first link you gave i've read, read, and re-read already, (i know this sounds stupid and weak but i've got a fair idea of what i should do from reading the step by step and faq's etc but i'm just nervous about putting it into practice, hearts racing just thinking about it!) and the other one i'll have a good read of over the weekend, so thanks for that. Anyway, must be brave:oops: Let you know what happens. jennifer

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You'll be fine. Just send the letter to Lloyds in the first link giving them a week or you'll request judgement, then request judgement if they don't respond. If you do get judgement the warrant form is much easier to complete than the N1 so don't worry;)

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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  • 2 weeks later...

Well still nothing from the lovely lloyds so i'm just filling out the request for judgment part on the bottom of the notice of issue form and i'm stuck on something so silly i'm almost too embarrassed to ask:oops:. I've put amount of claim including interest at date of issue as £1644.51... Then it asks for interest since date of claim and i've put £13.63 (£0.29 per day) But then it asks for the % rate? Is it 8% also? I'd be really grateful if someone could help. Thanks in advance

 

 

jen

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  • 2 weeks later...

Well a few days after sending the judgement form to the court, i received lloyds defence (3 weeks late) and the allocation questionaire to fill in!! I've filled it all in as per the guide but i'm stuck on section 'G' - other information. I've read through the draft order for directions so many times now i'm really confused. Can someone please tell me, what would i need to put in section 'G' if I wasn't to go with the new draft order for directions? I know i need to put i don't think case will take any longer than 1 hour but what else? Appologies for being dense:oops:

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Hi, could someone please help me with my previous question? I've decided on the standard AQ route and i'm a bit stuck on what to put in section 'G' - other information, even after reading through the templates:oops: What else should i put in addition to 'i believe this will last no longer than 1 hour'???? Please can someone help i want to get this returned asap. Thanks :confused:

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Something along these lines:

 

I am respectfully requesting that my claim be allocated to the small claims track. This issue is not a complicated one; it is an issue of fact and not of law. The issue is only whether the money levied by the Defendant in respect of its customer’s contractual breaches exceed their actual costs incurred. I am happy to pay their actual costs and I am surprised the Defendant did not counterclaim for these, because I would have paid them without argument.

 

However, the continuing problem is, (in common with the 100s of other cases currently being brought by other bank customers), that the banks refuse to reveal the details of their penalty-charging regime. As the banks have a fiduciary duty towards their customers, they have a duty to deal straightforwardly and in utmost good faith.

 

Accordingly, I would respectfully ask that the court in this case, not withstanding allocation to the small claims track, order standard disclosure. I understand that it is in the courts discretion to do so. This would bring a rapid end, not only to this litigation, but would also likely bring an end to much of the litigation in progress against other high-street banks. I estimate that the hearing of the claim should last no longer than one hour.

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  • 3 weeks later...

Had a letter 2 days ago from sc&m requesting that we contact our local Lloyds Tsb for an account review, (which we had no intention of doing) and then this morning we received a settlement letter offering full amount we're claiming for, yippee, at last!! Only thing is though, on the letter they have our names and claim number right but they have the wrong a/c number and sort code!!! Sould i just make a note of it on the letter we have to sign and send back and attach a copy bank statement do you think? I will donate as soon as they credit my account and thank you very much to everyone who helped me:)

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You can send your own acceptance letter:

 

Date

Dear Whoever

Ref: Your Offer of Settlement

 

Account: xxxxxxxx

Sort Code xx-xx-xx

Claim No: XXXXX in XXXX County Court

 

I acknowledge receipt of your letter date xx/xx/xx and your settlement offer of £XXX.

I accept your offer as full and final settlement only for this claim of bank charges made on my account between xx/xx/xx and xx/xx/xx(dates of first and last charge) However I will only accept an unconditional offer and will therefore not be signing your acceptance agreement

 

I accept this offer without prejudice and I reserve the right to make any further claims should you apply future charges that may be considered unlawful under common law or in violation of the Unfair Terms in Consumer Contracts Regulations 1999 or Unfair Contract Terms Act 1977.

 

I will be willing to withdraw my claim and will send a Notice of Discontinuance to the Court upon receipt of unconditional full settlement of my claim

 

I am also not prepared to agree to any confidentiality clauses you try to impose, unless of course your client wishes to make an offer of due consideration in addition to the amount of £xxxxx, in order to be afforded this privilege by myself.

 

I trust that you will find this arrangement acceptable.

 

Pease note that my account details in your letter of settlement offer are incorrect. My correct account details are as above

 

Yours Sincerely

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Congratulations Jennifer! :D

Well done! glad you stuck it out. ;)

Pondy :)

LloydsTSB - Current Account claim £5,554 settled unconditionally 25.4.2007 :D

If the Pondfish has helped click his scales! ;-)

 

Please donate to this site if you can! :-)

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  • 3 weeks later...

Still not had any money :mad: It'll be 3 weeks tomorrow since we received the settlement letter from sc&m, we sent it back recorded and faxed it. I phoned them on tuesday and was told to phone back friday if still not received anything...phoned back today and was told that our file was in a secure location and would take 72 hours to retrieve and they would phone back...:-x :-x

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Same thing has happened to me, are they def honouring payments they have sent offers to. They told me money will be in begining next week. Sure they're just fobbing me off though. I could cry to be honest

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Hi skint, i know exactly how you feel:( But yes, apparantely they do have to honour any offers made if the customer chooses to accept. I read this on the BBA website. Hopefully it won't be too much longer..

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Well, 3 weeks today since sc&m received back our acceptance letter and we still haven't been paid...i can't stand this waiting...has anyone else been waiting for 3 weeks and been told their file is in a 'secure location'? Phoned sc&m again yesterday and was just told the same thing (wait basically) I'm beginning to think our file is lost or something because i keep reading other threads where people have sent their acceptance letters back after we did and they've been paid? Although i'm really pleased for them, i'm getting more concerned by the day :Cry:

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