Tech Clerks - General Debt Matters Thread

[The Tech Clerk]

Re: Tech Clerks - General Debt Matters Thread

Published 22 March 2013 | Standard notes SN04141
Authors: Jacqueline Beard, Alexander Horne
Topic: Small claims:-


The financial limit for the small claims track is currently generally £5,000 (increasing to £10,000 from April 2013) but lower limits apply to personal injury claims and housing disrepair claims.

In February 2012, following a consultation, the Government decided to increase the general small claims track limit, initially to £10,000 with the aim to further increase it to £15,000 in the future after full evaluation of the increase to £10,000. The general small claims track threshold is due to increase to £10,000 from April 2013.

Although in its February 2012 consultation the Government had said there would be no change to the current limit for personal injury and housing disrepair claims, in December 2012 the Ministry of Justice opened a consultation on proposals to increase the limit for road traffic accident personal injury (RTA PI) small claims to £5,000.

Also in February 2012, following a separate consultation, the Government decided to increase the financial limit of the low value RTA PI scheme which currently deals with claims valued at between £1,000 and £10,000 to £25,000 and introduce similar schemes for other kinds of claims following further consultation.

For information about the ban on referral fees in personal injury cases which is due to come into force in April 2013 please see the separate standard note Referral fees in personal injury claims (SN/HA/6016).

[The Tech Clerk]

Re: Tech Clerks - General Debt Matters Thread

Terry Douris V MacDonalds.mp4 - YouTube

Mcdonalds video parking charges = not

[The Tech Clerk]

Re: Tech Clerks - General Debt Matters Thread

Well after chasing Banks etc and regulators/MPs etc in the past few years, Letter from HSBC change to our Terms & Conditions:- D.D/S.Os etc pay out on a certain day if no funds to pay then they will do a further check in the afternoon to see if sufficient (cleared) funds are available at that stage of the day i.e. by 3.30 p.m.

Anybody followed me on this subject the last few years would know I was trying to get Banks to stop debit at 00.01A.M. on a day to pay Direct debits before credits to accounts etc and ignoring credits to account on that day even at the openig time of the Bank, all the reply received eventually was tell the counter assistant that deposits were for that days transactions (Debits) no firm answer. (Told not a guarantee).

so a step in the right direction here.

Also where Debit Card recurring payment being changed so that you can cancel these with Bank OR retailer.

[The Tech Clerk]

Re: Tech Clerks - General Debt Matters Thread

SCHOOL-1945 vs. 2012



Scenario :
Johnny and Mark get into a fight after school.

1945 - Crowd gathers. Mark wins. Johnny and Mark shake hands and end up best friends.

2012 - Police called, and they arrest Johnny and Mark. Charge them with assault, both expelled even though Johnny started it. Both children go to anger management programmes for 3 months. School governors hold meeting to implement bullying prevention programmes.

Scenario :
Robbie won't be still in class, disrupts other students.

1945 - Robbie sent to the office and given six of the best by the Principal. Returns to class, sits still and does not disrupt class again.

2012 - Robbie given huge doses of Ritalin. Becomes a zombie. Tested for ADHD - result deemed to be positive. Robbie's parents get fortnightly disability payments and school gets extra funding from government because Robbie has a disability.

Scenario :
Billy breaks a window in his neighbour's car and his Dad gives him a whipping with his belt.

1945 - Billy is more careful next time, grows up normal, goes to college, and becomes a successful businessman.

2012 - Billy's dad is arrested for child abuse. Billy removed to foster care; joins a gang; ends up in jail.

Scenario :
Mark gets a headache and takes some aspirin to school.

1945 - Mark gets glass of water from Principal to take aspirin with. Passes exams, becomes a solicitor.

2012- Police called, car searched for drugs and weapons. Mark expelled from school for drug taking. Ends up as a drop out.

Scenario :
Johnny takes apart leftover fireworks from Cracker night, puts them in a paint tin & blows up a wasp's nest.

1945 - Wasps die.

2012- Police & Anti-Terrorism Squad called. Johnny charged with domestic terrorism, investigate parents, siblings removed from home, computers confiscated. Johnny's Dad goes on a terror watch list and is never allowed to fly in an airplane again.

Scenario :
Johnny falls over while running during morning break and scrapes his knee. He is found crying by his teacher, Mary. She hugs him to comfort him.

1945 - In a short time, Johnny feels better and goes on playing footie.No damage done.

2012 - Mary is accused of being a sexual predator and loses her job. She faces 3 years in prison. Johnny undergoes 5 years of therapy and ends up gay.


This should be sent to every e-mail address you know to remind us how stupid we have become!

[The Tech Clerk]

Re: Tech Clerks - General Debt Matters Thread

now on, the tax will rise in line with inflation.

Air Passenger Duty rates from April 2013
Distance Economy Premium/Business/First Private jet
SOURCE: HMRC
Band A (up to 2,000 miles)
£13
£26
£52
Band B (up to 4,000 miles)
£67 (+£2)
£134 (+£4)
£268
Band C (up to 6,000 miles)
£83 (+£2)
£166 (+£4)
£332
Band D (above 6,000)
£94 (+£2)
£188 (+£4)
£376
There is one way to avoid air passenger duty.

You can take a flight out of Northern Ireland, which, since January this year, has had no duty on long-haul flights. Flights to and from Britain still carry the duty at the lower rate. It follows a UK government decision to devolve the issue to Northern Ireland.

[The Tech Clerk]

Re: Tech Clerks - General Debt Matters Thread

Average household bills in 2013/14
Water and sewerage companies Average bill Increase
Anglian
£434
2.8%
Dwr Cymru
£434
1.7%
Northumbrian (not Essex & Suffolk)
£359
2.2%
Severn Trent
£335
2.2%
South West
£499
-7.3%
Southern
£449
5.3%
Thames
£354
5.5%
United Utilities
£406
3.4%
Wessex
£478
4.9%
Yorkshire
£368
3.3%

[The Tech Clerk]

Re: Tech Clerks - General Debt Matters Thread

I'm about to take part in the Great Bradford Run. It's not an official race, I just stand in the city centre & shout "Allah is a Tosser" & then off we go....

A government survey has shown that 91% of illegal immigrants come to Britain so that they can see their own doctor.

I've just fitted strobe lights in the bedroom, It makes the wife look like she's moving during sex.

Two Thai girls asked me if I'd like to go bed with them, they said it would be just like winning the lottery! I agreed, and they were right. We all stripped off and to my horror, we had six matching balls!

A Muslim has died whilst training to be a Skydiver. The "British National Party school of diving" said they had no idea why his snorkel and flippers did not open.

Such an unfair world:- When a man talks dirty to a woman its considered sexual harassment.
When a woman talks dirty to a man its £2.50/min (charges may vary).

Just booked a table for Valentines Day for me and the wife. Bound to end in tears though; she's crap at snooker.

Got a new Jack Russell pup today, he's mainly black and brown with just a small white area. I've called him Bradford.

If you get an email telling you that you can catch Swine Flu from tins of ham then delete it. It's Spam.

They say that sex is the best form of exercise. Correct me if I'm wrong but I don't think 2 minutes and 15 seconds every 3 months is going to shift this beer belly.

[The Tech Clerk]

Re: Tech Clerks - General Debt Matters Thread

Just received my free Gillette Fusion Razor from Budapest, they said a free one will be despatched in 50 60 days, well I got it now!

[The Tech Clerk]

Re: Tech Clerks - General Debt Matters Thread

Your complaint:- FOS

Thank you for contacting us. We will reply as soon as possible – but within two weeks.

If you need to get in touch before then, please use your reference, xxxx.xxxxx

Yours sincerely

response from complaint regarding Bank of Ireland mortgage increases. ex Bristol & West repayment mortgage.

[The Tech Clerk]

Re: Tech Clerks - General Debt Matters Thread

http://www.barcouncil.org.uk/media/2...online_use.pdf


Barrasters guide to help representing yourself in court = IF YOU CANNOT GET LEGAL AID

[The Tech Clerk]

Re: Tech Clerks - General Debt Matters Thread

AT YOU NEED TO KNOW ABOUT THE TV LICENCE AND iPLAYER
WHO NEEDS A TV LICENCE?
Anyone watching or recording TV programmes on any channel as they are being broadcast. Whatever device you use to watch programmes – a TV set, computer, laptop or mobile phone – you must pay the £145.50 licence fee. Over-75s are entitled to a free licence. Anyone without a valid licence risks prosecution and a fine of up to £1,000.
WHAT CAN YOU WATCH WITHOUT ONE?
Programmes on the iPlayer, the BBC’s catch-up service, provided you view them after they have been broadcast. Those using the iPlayer’s Watch Live function, which broadcasts eight channels at virtually the same time as on TV, will need a licence.
HOW MANY ARE VIEWING ONLINE TO DOGE LICENCE FEE?
The BBC won’t reveal how much revenue it is losing because people watch online but it is likely to be well into the millions. Three per cent of people don’t pay a licence fee, equal to a million households, but it’s unclear how many of them are using iPlayer.
HOW CAN BBC TELL WHO WATCHES LIVE OR CATCH-TV?
It can't. It relies on honesty. Anyone not paying a licence fee has to submit a declaration that they are not watching or recording live broadcasts. Licence enforcers can make house visits to check and if your explanation is accepted, they put your account on ‘hold’ for two years, before investigating again.
COULD NON-FEE PAYERS BE CHARGED FOR iPLAYER?
Possibly, but it would be complicated. The BBC could introduce a system similar to Sky, under which customers cannot watch any programmes on TV sets, laptops, or mobile devices without an ID code. However, this would involve an enormous amount of bureaucracy. Equally, the BBC could not charge all viewers to watch iPlayer, because existing licence holders would end up paying twice for the same service.
HOW MUCH IS LIVE ON iPLAYER
The only ‘live’ programmes on iPlayer are the eight BBC channels screened on the Watch Live section, for which you still need a licence. Most other programmes are available on catch-up.
MOST READ NEWS


Read more: BBC silence over licence loophole: Corporation refuses to say how many households do not need one because they catch-up online | Mail Online
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[The Tech Clerk]

Re: Tech Clerks - General Debt Matters Thread

deleted

[The Tech Clerk]

Re: Tech Clerks - General Debt Matters Thread

http://www.guardian.co.uk/money/2013...pplier-uswitch


Guardian on energy problems for households!

[The Tech Clerk]

Re: Tech Clerks - General Debt Matters Thread

ROYAL NAVY NEWS:-

The Royal Navy is proud of its new fleet of Type 45 destroyers. Having initially named the first two ships HMS Daring and HMS Dauntless, the Naming Committee has, after intensive pressure from Brussels , renamed them HMS Cautious and HMS Prudence. The next five ships are to be named HMS Empathy, HMS Circumspect, HMS Nervous, HMS Timorous and HMS Apologist.

Costing £850 million each, they meet the needs of the 21st century and comply with the very latest employment, equality, health & safety and human rights laws.

The new user-friendly crow's nest comes equipped with wheelchair access. Live ammunition has been replaced with paintballs to reduce the risk of anyone getting hurt and to cut down on the number of compensation claims. Stress counsellors and lawyers will be on duty 24hrs a day and each ship will have its on-board industrial tribunal.

The crew will be 50/50 men and women, and balanced in accordance with the latest Home Office directives on race, gender, sexuality and disability. Sailors will only have to work a maximum of 37hrs per week in line with Brussels Health & Safety rules, even in wartime!
All the vessels will come equipped with a maternity ward and nursery, situated on the same deck as the Gay Disco.

Tobacco will be banned throughout the ship, but cannabis will be allowed in the wardroom and messes. The Royal Navy is eager to shed its traditional reputation for "Rum, sodomy and the lash"; so out has gone the occasional rum ration which is to be replaced by sparkling water. Although sodomy remains, it has now been extended to include all ratings under 18.
The lash will still be available but only on request. Condoms can be obtained from the Bosun in a variety of flavours, except Capstan Full Strength.

Saluting officers has been abolished because it is deemed elitist and is to be replaced by the more informal, "Hello Sailor".
All information on notices boards will be printed in 37 different languages and Braille. Crew members will now no longer be required to ask permission to grow beards or moustaches and this applies equally to women crew members.

The MoD is working on a new "non-specific" flag because the White Ensign is considered to be offensive to minorities. The Union Flag had already been discarded.

The newly re-named HMS Cautious is due to be commissioned soon in a ceremony conducted by Captain Hook from the Finsbury Park Mosque who will break a petrol bomb over the hull. She will gently slide into the water as the Royal Marines Band plays "In the Navy" by the Village People. Her first deployment will be to escort boat loads of illegal immigrants across the channel to ports on England's south coast.

The Prime Minister said, "While these ships reflect the very latest in modern thinking, they are also capable of being up-graded to comply with any new legislation coming out of Brussels ."

His final words were, "Britannia waives the rules."

[The Tech Clerk]

Re: Tech Clerks - General Debt Matters Thread

http://home.bt.yahoo.com/_ylt=AuPEhp...Df46YkkoEUCuE-