Has anyone else had this error? Had this error for a few days and it would not load or update. As always I looked around as many forums on this as I could. I eventually found this >> http://www.windows10forums.com/threads/update-for-windows-10-version-1511-for-x64-based-systems-kb3122947-error-0x80070643.5909/ I followed the guide it worked so now all sorted for the time being. So if anyone else has had this error and wants to sort it then this may help you out.. But you MUST use the elevated command prompt... For the elevated command prompt right click start hit Command Prompt (ADMIN) then paste the code that is in the link above Hit enter wait then it should be done.... Run the windows update to see if the issue is fixed (windows is up to date) last checked xxxxx Copy/paste the command from the PDF

After many cancellations and a strongly worded letter from my GP and support worker instead of putting me in a group I've got a home visit on thursday and my anxiety and anger is flowing like mad! I don't know how to deal with this interigation in my own home. I have a feeling I'll be that scared of them I will rage as soon as I open the door to them I really don't know how to cope with this on thursday. I've read so many horror stories all over the Internet and I'm frightened that I will be the next person to write the next horror story! I'm just so terrified. I can't face the interigation! What happens if they hit my last nerve and I snap? I can't cope with all this! Please help me, give me advice. I'm generally so scared and so angry about all this! I just wish I didn't have to deal with this crap. I've already got other worries on top of this rubbish PS I have BPD, depression anxiety and other things to be diagnosed by psych

Multiple agreements within section 18 consumer credit Act 1974 This is just a view and interpretation of s18 CCA and therefore we would advise anyone reading this bear that in mind Section 18 can be very useful concerning agreements where there is a main loan and payment protection insurance. Firstly lets look at what section 18 says 18.Multiple agreements. —(1) This section applies to an agreement (a “multiple agreement ”) if its terms are such as— (a)To place a part of it within one category of agreement mentioned in this Act, and another part of it within a different category of agreement so mentioned, or within a category of agreement not so mentioned, or (b)To place it, or a part of it, within two or more categories of agreement so mentioned. (2) Where a part of an agreement falls within subsection (1), that part shall be treated for the purposes of this Act as a separate agreement. Ok so what does this mean, well, lets say you borrow £6000 from Nasty Banking Corp, the loan is for you to use as you like and therefore you would have fixed sum credit See s10 (1)(B) CCA, unrestricted use credit See s11 (2) CCA and finally it would be a debtor-creditor agreement as defined within s13 CCA Now if you add PPI to the loan, this changes things slightly, why? If you borrow £6000 from Nasty Banking Corp and then you add a PPI policy for example adding another £1500 of credit you are turning it into a multiple agreement The PPI is fixed sum credit as set out in section 10 CCA but it is not unrestricted use, instead its restricted use credit ( See s11 CCA) as you do not have any say over its use, it is in effect only credit for the purchase of the PPI policy and additionally it is a debtor-creditor-supplier agreement as it would be undoubtedly underwritten by another specialist insurer and not the creditor and therefore it falls within the definition given in section 12 CCA So in effect what we have with the £6000 loan and the £1500 PPI is a multiple agreement with “part of it within one category of agreement mentioned in this Act, and another part of it within a different category of agreement so mentioned, or within a category of agreement not so mentioned” This is because the £6000 is fixed sum, unrestricted use debtor creditor and the £1500 is fixed sum, restricted use Debtor-creditor-supplier Therefore since this type of agreement falls within s18, it means that as defined in s18 (2) CCA that the document is to be treated as 2 separate agreements and each agreement must have its own prescribed terms for each part Therefore each piece of credit must have its own term stating the amount of credit, repayments and all other statutory info, in addition the PPI policy would need to have a term stating the Cash Price of the policy, due to it being a restricted use debtor creditor supplier agreement. In essence there should be the following Loan Amount of Credit £6000 Repayments 60 payments of £XXXXXX Total amount payable £XXXXXXXX APR 16.9% PPI Amount of credit £1500 Repayments 60 payments of £XXXXXXX Total amount payable £ XXXXXXXXX Apr 16.9% Cash price of policy £1500 the agreement may not be set out exactly as above but that is to give you an idea of what it must contain If the agreement fails to correctly set matters out in accordance with s18 then the lender risks falling foul of the form and content requirements of section 60 CCA and could be improperly executed as set out within section 61(1) (a) CCA 1974 thus becoming unenforceable the main thing to remember is that you have two agreement within one document, so there must be a set of prescribed terms for each piece of credit, it is permissible to add the prescribed terms together and then state them as total amounts BUT they must be also stated in their separate parts. Multiple agreements falling within section 18 CCA 1974.pdf Before Printing the PDF TIP If you DO NOT wish to print Page 1 (Cover Page) of the PDF, please ensure to do the following: Ensure you go to your Printer Settings and set it to 'Print from Page 2' (this way Page 1 (Cover Page) should not print out). Note: This will save you Ink & Paper

For those who don’t know, Microsoft is currently working on it’s first non-patch update for Windows 10, currently codenamed Threshold 2 and was originally supposed to launch sometime in October. But as of recently, it appears that release window may have slipped ever so slightly, as according to my sources, Threshold 2 will now launch in early November instead. This is likely for the best, as it gives Microsoft a little more time to continue developing Threshold 2 and should hopefully result in a better built all round update for consumers when it is finally released. Now another interesting thing to think about is what the update could possibly be called when it does eventually launch. Full Article

Hi, I moved into a new house in July 2014 which had BG as the gas and electricity supplier. At the beginning of Sept I changed supply to another company. Shortly afterwards I received my final bill which for July and August amounted to £308 for gas and £90 for Electricity. they wanted £400 for 2 months supply in a new build house. I queried this and they stated the meter readings were correct and somebody had been to our property and manually read the meters. long story cut short, they weren't telling the truth after 7 months of wrangling and speaking to 2x DCA, taking my complaint to Centrica and providing a photo of my meter in February (which was still way below there supposed read) they agreed there was a mistake. All good final bill adjusted to £120 for both + £60 compensation and still ended up with a £35.17 refund! Finally the end of the matter or so I thought... In mid April I contacted the bank to take out a loan for £12k. Over the phone they provisionally approved me based on their internal scoring system but declined me based on my credit score. I queried this and was advised to take a copy of my credit report to the branch. I printed off my Experian credit report and met with the adviser to go through the finer details they couldn't see anything array and eventually agreed to lend the money by turning it into a joint application and at a high interest rate (18.9%!). last night I checked my free credit report with Noddle and saw 4 months missed payment on both of my old BG accounts. whilst I was disputing the final bill with them they logged missed payments on both accounts until I settled in April. So two questions I have: 1) Will BG remove these based on the fact they upheld my complaint? 2) Can I pursue BG with regards to the higher interest rate on the loan? as without the missed payment showing I would have had a lower interest rate. Any help will be really appreciated Thanks,

Hi Ladies and Gents Yesterday I started a new part time job and ceased with my Self Employed status. I filled out the HMRC for and received confirmation last night they had received it with a confirmation number. Now I tried to get through to HMRC today, after going through the gate keeping questions it requires me to have PAYE reference and payroll number. I don't have a payroll number yet till next week. Can I still give them all the other details they require omitting the payroll number giving them next week. I just wondered if the ceasation of Self Employed would stop my Working Tax element for next weeks payment on a Thursday. Is one section quick enough to inform the other. I am hoping my working tax will not stop or I will not be able to pay my rent on the second of November.

I have a tomtom satnav (2007) i went on its site to update it.However , all that happened was that it wiped off all my maps - so basically i have nothing. .They have offered me a 25% discount voucher code to use on their products.So what are my rights ?given that i had a perfectly working Sat nav turned into scrap by the maker?

Having moved to Northern Ireland, i bite the bullet and register with the local electoral services. Seems they also send out an Electoral ID Card with your photo on it as well. All my past indiscretions are now well and truly statute barred (Default date) and the final account reaches the six year mark in January 2016 to be removed from the credit agencies. Now i am expecting to be deluged from the likes of Robinson way etc chancing their arm. I realise they will have to take any action through the Northern Ireland courts if they are that stupid and not Northampton So my Question is: 1/ When will the credit agencies be updated with my new address 2/ How best to kill these bottom feeders with one hit when the contact me . I have made a new life for myself now with a fresh start

Used to just get an email when someone replied on a thread I posted on, and then wouldn't get any others unless I visit the thread again, and then someone posts another reply. But now, I am getting emails for every thread update regardless if I have visited it recently or not. Resulting in 8 emails within an hour just on 1 thread. Is this something changed recently?

Dear Sir/Madam, I work in health care. While working I received a phone call from enforcement officer who had court order to seize my assets to recover debts. Now having said this, let me begin with this - never asked for any debts and nor have borrowed any money from banks. I still don't even own car or house. Fortunately no educational loan either. Following this initial shock and support from senior colleagues who understood my situation kindly offered to help and contacted the officer. Came to realise that there was overpayment from nhs in 2012 for which they had send notifications and orders to Old address which again is staff accomodation no longer lived since 2012. The court sent enforcement officer to seize my debt. Further to this, it was myself who contacted my employer in 2012 that they were paying me when I was not working any longer for them. I was waiting to pay them back. After 2012 , I had changed 4 addresses due to work and this organisation never bothered to ask me or obtain information. They seem to have been corresponding to old address and then sent notifications from the court to the same address and court sent bailiffs behind me. After all this they found me in some other address and called me with threatening messages to seize my assets ( dont have much ). Now in the eyes of the court I have to pay interest and court charges for no knowledge of what was happening with sudden bolt from blue. They have messed up my credit report and asking me to pay private solicitors because the stage is too late. I am lost for words here. Also type - 'Barts overpayment error' in google please ( it s not letting paste link here ) This trust is notorious for bullying and harassment of staff members ( please type Barts nhs bullying) - it affected my personal health too. My points are - I definetly owe this overpayment, I had decency and courtesy to tell them they overpaid and was waiting for them to contact me either by email instead of sending notifications to wrong address ( staff accomodation where they can physically check If I still lived or not and tried to send me notifications before Enf Officer embarassing presence and unnecessary tensions created in life for which I had to take leave resulting in thin staff in already overstretched nhs.

hi all I have been fortunate enough to find work a year ago. Upon finding work I signed off JSA and that was that. However Ingues have been persistent to ask me for employer details etc. After missing calls,not replying to emails they sent me a letter telling me if I don't phone them back, they will visit my home to ask for a employment update. There is still a year left on my '2 year programme' that I signed. Should I just avoid the hassle and tell them or if they come tell them to p*ss off.

As of today Provident Loans will be harder to get. The agent now has to come to the house, unless applied for online, and then do a 20 minute application on smartphone to assess the affordabilty. They have to see proof of income too. It is then sent off for yes or no or with reduced amount. There is also a credit check to Experian. People with crap credit will get a no, even if they have been a Provident customer with no payment problems for years. The Agent I know is quite distressed to say the least.

When Microsoft MVP Patrick Barker tried to help a user with a computer problem, he stumbled across something curious. Windows Update kept randomly being disabled. Was malware at work, turning off Windows Update to prevent Microsoft patches and security updates from being installed? No, malware wasn't to blame. It was Samsung. Barker discovered that Samsung's SW Update software was downloading and running a file with the unambiguous name of Disable_Windowsupdate.exe. Read More especially the chat with the Samsung Rep at the bottom It is recommended this is reported to Microsoft as malware.

Received letter addressed to my partner from DWP Debt Management, Mitcheldean. The letter refers to an amount of £600. No further information is given. This is the 1st letter my partner has received at our address where we have resided for 5+ years. My partner has never received any correspondence regarding this matter previously. I telephoned no at top of letter to be told the only information they have, is that it refers to Income Support claim between 22/11/1991 – 16/4/1992, unbelievably over 22 years ago! Debt was not acknowledged in conversation. From research, and clarification sought from local CAB, we understand that this debt is ‘statute barred’ and therefore recourse through courts is not an option available to them. More, incredulously, we understand that DWP are contradicting their own regulations with regard to recovery in these circumstances, particularly: DWP should consider abandonment, write off debt… 2 Unable to effect recovery and the outstanding balance is: a) Under £25; b) Under £100, and at least 6 years have elapsed since the last effective recovery; c) Under £300, and at least 10 years have elapsed since the last effective recovery; d) Over £300, and at least 20 years have elapsed since the last effective recovery. We thought, as did CAB, that d) above, would have put this to bed making it unrecoverable, in all the circumstances so why have they written? CAB will be posting relevant information, but need additional advice/confirmation as to the result/outcome of this situation, as described above. And how should we respond to letter from DWP? Many thanks for assistance and views. Any information pointing to a definite outcome of similar event would also be more than welcome as I maybe able to refer to this in my reply to them. francis

All seems to have gone extremely quiet on this in the press. Anyone know what happened/is happening with this court case? It looked at the end of February as though a fairly short court case was commencing, and it was well reported in the media, but since then, nothing (that I can see anyway)!

I used to be on the dole but on my visit a few months ago to the dentist, I told the receptionist that was working there I was no longer on benefits and could she update the system to show this...she also gave me a blue paper to sign which I did (I assumed this was normal procedure) after I had told her to update the system to show I was not on the dole anymore. Last week I got a NHS DENTAL PENALTY CHARGES NOTICE for £150.00! I was gobsmacked because I remember telling the receptionist to update the system to show I was not on the dole, so this would not happen. Luckily I had another dental appointment this week and explained to a receptonist the above, she said she could not understand why the receptonist months ago on my last visit had not updated the system and told me to email the practice manager who would investigate this and also locate the blue slip I was asked to sign (after telling the receptionist on my visit a few months earlier I was no longer on the dole) I emailed the practice manager explaining I had told the receptionist on my last visit I was no longer on the dole and to update the system to show this. This is the email I received in response from the practice manager ' Thank-you for your recent email, in which you state that you were not in receipt of any benefits on (date), as you has NHS treatment there is a set NHS fee to pay. The charge is levied irrespective of any misunderstanding or error on either part(patient or receptionist) as at the end of the day there appears to be no confusion as to whether you were in receipt of any benefit. It is incumbent on the patient to pay any fees due just as you would pay at a supermarket check-out, where you are in receipt of goods or services. May I also point out that the form you signed is a statutory legal obligation which must be disclosed by us the the NHS upon request. There is currently a no if’s no butt’s campaign by the NHS to recover lost fees and we would ask you to bear this in mind when receiving treatment from ' The error is clearly on the receptionist at the time who failed to update the system to show I was no longer on the dole, if the system had been updated when I had told them this would not have happened, the practice manager is fobbing me off, what can i do ?

In November an innocuous query was raised on this forum from a debtor whose council tax arrears were being collected under a Council Tax Attachment of Earnings Order and the debtor asked whether bailiff fees could be added to the debt. At the time...the answer provided to the debtor was that fees could be added. Unfortunately, within 24 hours the thread attracted personal abuse from ‘new’ members to the forum complaining that the advice was wrong and that fees cannot be added and that paying the council direct meant that bailiff fees had ‘died’ (which is untrue). The extraordinary level of personal abuse against individuals on here from these ‘internet trolls’ led to posters being banned from this forum and threads closed. In fact the same subject was debated on the LB forum and that too came under dreadful attack from the same ‘internet trolls’ (who proudly boasted of their new found skills on their own forum). To sum up the importance of this subject one of the individuals responsible stated that despite what the regulations may say about bailiff fees he would continue advising debtors to: "Fight it all the way"... "Make it as hard as possible for the bailiffs to get paid" and: "Prolong the money reaching council's bank accounts". Since that time the subject matter of Attachment of Earnings has been debated privately with members of this forum and I stated on the thread that I would not post anything further until I had received responses to my enquiries on this subject....which I am now doing.

In September last year I started a new thread regarding a very serious case concerning a debtor who had been arrested for assaulting a bailiff. The reason for the debtor's arrest can be seen in the following links from that time: http://www.consumeractiongroup.co.uk/forum/showthread.php?433030-Debtor-charged-under-section-68(1)-of-TCEA-2007-with-quot-intentionally-obstructing-a-bailiff-quot-.(20-Viewing)-nbsp

Hello, I bought Modern Combat 5 for my galaxy S 2 in September, which was listed as compatible when I bought it. I downloaded it and it ran fine. Seems somewhere down the line though, they released an update that made my phone incompatible with the software. Google won't even let me search for it on their store anymore. When I it find on my computers browser, Google won't let me download due to not having any compatible devices. This is a fully released game btw, and not an early access. So I was curious if I should email their CS about a refund, or would it be a waste of time? Thank you.

Hi, I was employed by a shop a few months ago and I made the foolish mistake of taking money from the till. I was caught, owned up to it straight away and was dismissed. I agreed to pay back the money. Two months later (today), I received a letter from Retail Loss Prevention asking for civil recovery. They list the money I took, which I am more than willing to pay back, but are also billing me £275!!! under "Contributing towards the cost of the time investigating, detecting and dealing with the matter including administrative and security equipment costs" Can they really bill me this much when I owned up to my manager the second she asked why my till was down? It's not as if they rigged cameras specially for the act of catching me! RichPorter

Evening all, Decided that I would do my new update on my iPhone 5c last week and 2 days later the phone completely broke! Phone is 12 month old and was 9 days out of warrenty when it broke. Took it to Apple, not very helpful at all! Told me its a hardware fault and charged me £199 for a replacement. I really needed my phone so paid it! Was sat across from a lady who was in the same boat, did the update and was being charged £199 also. Can they really get away with this? My phone was working absolutely perfect until their bloody update! Not sure who to contact - is it worth it? Any advice would be appreciated. Thanks, Rachael

Like many other debts I am trying to sort out independently after Payplan dmp closure. Barclaycard Visa, I last heard from them by mail 4 years ago, at my old address, when I was living there. My guess is they have not updated my new address details. I have been paying them through PaySham until a few months ago. Paysham estimate the debt as £350. In reality, who knows. It may have even been transferred to a DCA. Again, who knows. I wrote to them with a CCA a year ago. And then again in June stating that as I had not heard from them, I would withhold payment (as I did with other creditors). No response. Common sense says I write to them again confirming my updated address. But is there any merit in just leaving it, as the ball is in their court so to speak? And if I do write to them, they may have already sold the debt on

Hi there, i lived in holland for 10 years in this time i bought a house and fell on hard times couldnt pay the mortgage after ony 3-4 months so decided to throw the towel in and return to England. This was December 2004,i never told anyone the bank or anyone apart from friends and just expected the apartment to be repossessed eventually and sold and any debt i had wiped out or as near as damit. Today i received an e mail from a dutch debt collection agency stating the debt has been submitted to them by the bank for collection a debt of over 40,000 euro after reminders have been sent to me (in holland) dont know if they have bought the debt or are actually working for the bank ,they have said if debt isnt paid in full by 2 weeks time they will be obliged to take matters further which will add more costs to the debt and also could insure a writ of summons to a Dutch District court. Has anyone got any fact based information on this kind of situation? Can i be forced back to holland to appear in court? Can the debt be transferred to an english collector? Or as it has been just over 7 years can the debt still be valid as i believe in uk after 6 years if no contact made the debt comes off your credit score ? I guess i was foolish to think i could just run away but i was quite young and at my wits end, i havent contacted anyone about this debt the collection agency etc shall i just keep ignoring them ?? Thanks in advance for any help i can get.

Hi All, Basically its like this. I work at a military establishment with a woman who is starting to drive me nuts, basically. She has obsessive compulsive disorder - don't get me wrong, I fully respect she has the condition but she's making my working life that much more unbearable. She's even confiding in a work colleague that she went to see a psychologist because she said that I stress her out at work and to hear that second hand from a work colleague was not too pleasant to be honest. I have had a problem with pen chewing and putting things in my mouth, chewing my nails etc. as far back as I can remember and there seems to be no signs of it letting up - despite my best efforts, I find myself relapsing and every now and again, which has become a bit more occasional of late, find a pen or something else in my mouth, be it my fingers for biting my nails or whatever. However whenever I have been at a workstation using the keyboard or been somewhere else and this is usually some while after I have bitten my nails, for example, then she is there cleaning the desk area and I am made to feel like a dirty person - don't get me wrong - I fully respect her condition but I'm being made to feel that I can't even put my hands near my mouth or pick up a pen in fear she's going to put in a complaint and I think that I am going to be on the receiving end of something unpleasant and the fact that she has a mental illness will work against me. Furthermore, she is rather cold toward me in the office and I feel the tensity in the office is going to reach a peak before long. We have been open and honest about our feelings in the office as well. I can't help what I do at the end of the day and as I explained, since I've been a nipper, its been a recurring problem for me. Can someone offer me some advice as to what the best solution is as I will not take kindly to an official complaint from my supervisor as I feel I've done little wrong and am trying hard to work on a problem I've had difficulty in resolving in the past. Regards

Does anyone know when they update the system for the qualifying years. noticed my online statment last year was updated sep 3rd last year but has not been updated this year yet. was sanction by jcp but was overturned on appeal late last year so stamp should still have been credited for the four weeks