up to you. my posts on it re a cca request/cpr being applicable to an o/d incepted after 2011 are just IMO you'll probably get the same response back ie not covered re a cca request/cpr in that upload letter above #63, they refer to Part v. the old part v is re o/d's incepted prior to 2011. s61b though is law for o/d's after 2011. if they didn't comply with that regarding an applicable overdraft, then as it says it is up to the court to decide re any enforcement. wait for the guys input on your letter first.

yes, gloves recommended. take the dead chap out of the snap (mind the fingers), put it on the lawn and the birds will take it. zero carbon footprint...

have you already sent it? seems so, just checking.

the old wooden snap trap ones sorted the ones around in the shed. no bait, just put along the edge where they run.

to be objective, the NAO info 'The NAO has investigated how NHS England has handled a backlog of 374,000 items of unprocessed clinical correspondence....' https://www.nao.org.uk/report/investigation-into-clinical-correspondence-handling-in-the-nhs/

apparently, nhs dentistry have for awhile now been asking nhs england to put things back 'inhouse' http://www.dentistry.co.uk/2018/02/07/fresh-calls-nhs-services-taken-away-capita/

generally. even if there was an o/d facility in place prior to 2011 on an account, any formal change (new credit arrangement) to it after 2011 eg increased/decreased/new o/d limit would require compliance with s61b being a new o/d credit agreement. imo.

result

i see what you say. but, wouldn't most know indirectly that the Cons MO since say '80 on would involve considerable outsourcing/pfi. and even the alternative red conservatives Lablair after? seems between the two, there wasn't much alternative.

no. was thinking of the date of the last payment v the 30 days to reply to a pap. i thought that was what dx was getting at. just posing a question.

yes, the revised consumer credit act, s61b etc. re o/d credit agreement terms. yes, cpr = civil procedure rules. eg re requesting copy of an agreement/document terms mentioned. see what the guys suggest

thats what was getting at. letter (30 days) v last payment. presuming a pap letter doesn't now stop the clock?

maybe rewire/renew the glasses first before rewiring the dryer

o/d's after feb 2011 (an earlier post refers to it being 2012) are covered by the cca re the cca requirements since regarding o/d's. basically, re an applicable o/d a credit o/d agreement is required. a creditor wld need to furnish its credit o/d agreement terms at the time of application or asap after (no sig required). depending on the circumstances. if they haven't done that, then is up to the court. see the revised act. imo, a request for copy o/d credit agreement under the cca is vaild. as well as under cpr

having a look at capita site about being awarded the contract where they said would involve 'significant savings' for nhs england. then seeing the links about how much it then costs the nhs/ nao etc to review for evidence of harm wonder if the 'savings' end up outweighing the costs, not taking into account any potential harm. probably?

just seemed a bit unusual as OP said no payments for 9 months. but, i guess then they didn't decide to default and just sold it on. as you point, no required notice of assignment prior?

hi thanks, interesting.

haven't you already responded to their most recent PAP one that they refer to in their recent letter you posted up?

what date was the payment in march? ps seen it now, they say 9/3/12

how does nhs wales operate, do they use capita?

just following bazooka's post #2 about the default notice coming from a dca afaik usually things are defaulted by a creditor before being sold on

spot on and if they go belly up, who'll suffer in the long run; joe public as usual. but, the majority voted for this over the years

odd one, a def notice from an assignee!

'There is a backlog of hundreds of thousands of pieces of clinical correspondence that have not been directed to GPs as a result of NHS England's failure to resolve problems associated with their contract with Capita, Government auditors have found...'the NAO also found that attempts to resolve the issue to be 'paused'. It added: ’This followed an incident in which NHS England sent clinical correspondence containing the child protection notes of three children to a practice without showing the name of the practice in the address. The package was delivered to a supermarket with the same postcode, which then passed the package to the practice.’ Following the incident, NHS England revised its procedures...NHS England has said that it will publish a review detailing the amount of patient harm caused by the backlog of correspondence by April,' http://www.pulsetoday.co.uk/home/finance-and-practice-life-news/gp-practices-missing-400000-clinical-letters-due-to-capita-handover/20036099.article https://www.theregister.co.uk/2018/02/02/nao_probes_capita_contract_clinical_correspondence_backlog/

and, 'In September 2015, Capita commenced the seven-year contract to provide primary care support services, including the management of GP pay and pensions, medical records, patient registration, and maintenance of its of new GPs' https://www.theregister.co.uk/2018/02/02/nao_probes_capita_contract_clinical_correspondence_backlog/ https://www.theregister.co.uk/2017/12/22/nao_probing_capitas_sickly_700m_gp_support_gig/