58 posts • joined 24 Feb 2012
Ok we've started down this road so I may as well walk to the end of this cul-de-sac at the risk of turning this forum into a Done Get Done Get Dom or rip-off Britain tribute.
My wife takes out a loan in order to buy me a new car for my birthday. As we have a mortgage together, I get to see the details of that loan on my credit report, even though it is taken out in her own name. The loan was taken out solely in my wife's name so I have no more right to know about it then she would about me if I did the same. This isn't the 19th century when whatever assets the wife has automatically became the husbands on marriage and my wife has not given myself or teh credit reference agency permission to share it.
I have a business partner and together we buy a property portfolio with bank loans. That partner then on his own and separately from me, buys a new house(with a mortgage), a new car (on credit) and another portfolio with bank loans. I have no financial association with those other transactions but they appear on my credit report as we have the first association. I have no more right to see those non-applicable associations as the business partner would have of mine, especially as some of them may be commercially sensitive & confidential.
Why then, must all financial activity of my wife and/or business partner stay on MY credit report just because of one association to a person? Yes, the one association should show until either the mortgage is paid or one of us dies and I'm not arguing that point, (it is after all a legitimate association), but not EVERY single financial transaction for which we DO NOT have a joint financial interest. Not only is that an invasion of privacy, but also breaks all sort of boundaries morally, confidentially & quite possibly contractually.
That's all well and good but try telling the likes of Eperi(ence)(p)a(i)n that. They reckon, "Once a financial association has been added to your credit report it will remain there indefinitely and can only be removed if the two parties are no longer financially associated in any way or by the individual lender who has added the association to your report if you believe you never made the joint application or opened the joint account which created the association entry." So even if you query it and tell them the info is wrong, they ain't gonna do anything about it.
One association does not mean multi-associations and this is where this legislation falls down as credit reference agencies seem to like putting all eggs in one basket and insist that just because you may have a "Joint" mortgage with someone you must have financial associations even if either person has even sneezed on an application for credit. So the upshot is I get to know all my wife's dealings (even from when she wasn't my wife) and get associated with them by any bank that does a credit check until the day she dies.
Credit reference agencies are the real power in the financial markets, they need to be brought down a peg or two
Now to go after the Credit reference Agencies who seem to think it's OK to retain your financial records for forever and a day.
This thing isn't only a Smoke detector
it is also a carbon monoxide detector and has a 7 year product life (like nearly ALL CO/Fire alarms). You can link them so they tell you which of the the others is going off (as does the phone app, which can be set to ring the emergency services when the alarm goes off). It also tells you when its batteries are running out up to 6 months before they do and also provides an "emergency light" to help guide you in the dark. All in all a little bit more sophisticated than your common or garden alarms. Whether this justifies the price, remains to be seen.
Re: Why would you make it convenient to turn off an alarm?
As the document says, this feature is turned off by default if you do happen to have the device connected to your wi-fi so it's a non-issue for those of us that do.
report first, get the actual facts later approach. Who says the media is not dumbing down or more alarmist these days.
Re: As much as I loved Star wars
Taloraan, Taloraan i love ya Taloraan, you're always a parsec away!
We'd like to respond to the charges
But we're a bit busy cyber attacking the Russians at the moment
I blinked. What was it again?
Surely if she wrote £500 + £500 on her boobs she'd be (a) grand?
Actually I meant the capacity to make cars do what they make them do in Fast & Furious, like give it 22 gears and magic a 25 mile runway out of thin air.
Nothing yet known to man has that capacity!
Apple v Microsoft round 1001
I can just see now, Apple suing Microsoft over patents they hold on this or for more licensing revenue. Then going after Sony.
the power of posting on El Reg. looks like they've fixed it now.
Looks like they've managed to cock their iPhone app up as that still isn't working.
Re: They really need a different three letter acronym ...
ahh yes. Perhaps they could get a load of them to run in parallel and call them a bunch of CNT's
trying to hide in a bush the source of his problems?
Re: Look before you leap
I've been Virgin-Sky and back to Virgin again (mostly due to Sky having terrible customer service as soon as i was out of contract) and can honestly say that I've not had a problem with Virgin and my cable service has been very reliable. In fact, I've just been upgraded to their 30MB service for which they are effectively paying me as they've given me a discount on what I was already paying for their 10MB service.
But the adult "chat" channels are free!
It's basically clear aluminum?
Scotty, beam me up!
half a shekel for an old ex-leper?
All right. Two shekels, just two
You see that's the wonder of English prose, even when it's wrong, it's write.
What is Apple playing at?
The update appears to have goosed the mobile phone signal on my phone (O2), it's up & down like the percentage of horse meat in beef burgers.
Video games kill people?
When was the last time the news reported a loner walk into a school campus and start throwing copies of GTA at pupils causing multiple deaths?
Re: Herbertsmithite (named after its discoverer)
Surely even better would be one named after spending a night with El Reg's favourite clever person;
Yeah, but is it bigger on the inside
for expansion capabilities of course
But what about the cat?
have either of them bothered to check it?
Re: Or on Three network
Probably because these days it's extremely hard to find a Virgin anywhere
Or on Three network
just to be awkward - 37726
The butler did it.
There appears to be a problem with the Tivo software and connecting to certain IP address ranges so i can't use the "Watch on TV" functionality on my Iphone as the box says it cannot connect to my home network.
It would make it far more useful if i could actually connect my Tivo box up to my home network. It appears the box does not like my IP address range and so it's software cannot connect (even though i can see the box actually connected to the network and allocated an IP address). So i'll not be able to use the "watch on TV" functionality on my Iphone around the house.
Record features work nicely though.
Nice way to stick it to..
the Germans at the same time!
Re: And the call quality/signal?
The difference is I'd kick Cheryl Cole out in the morning, but having spent/wasted £500 on an iPhone5, I'd be stuck with it until the iPhone5s/6 comes out. Besides, Cheryl's mum does all the cooking.
And the call quality/signal?
Has that improved?
Re: Is it quieter
You'd like to think so. Most of the noise is from the fan cooling the CPU & graphics chip on the original models, not the HDD, although I'm led to believe this noise is improved on the Slim. With the addition of an SSD you'd think they'd have improved on the noise levels - this is the only reason I now have a separate Samsung BD player to act as my media & Blu-Ray player
Still, looks pretty good though.
And a wee bit smaller than my original 80GB model.
Failing it's GCSE geography?
Surely these days that would be a pass (with distinction)?
Re: Most mainstream sites...
Try disabling your Java plugin (Chrome) and see what happens!
Re: Most mainstream sites...
Is anything anywhere really secure when accessed over the Internet?
Re: But isn't the fact
I agree, but my point was that mankind(or womankind) is increasing its footprint and isn't the point of this after all how it affects mankind(or womankind)? If the majority of mankind(or womankind) live in Urban areas and those urban areas are showing an increase in heat, then it's a self fulfilling propechy that mankind(or womankind) is indeed warming the Earth.
But isn't the fact
That we are becoming more & more urbanised a reason to include the data from these other weather stations in itself? After all its is "human behaviour" that is causing the temperature rise according to the climate scientists and greenies alike.I bet if you check the Heathrow airport weather station records against the rest of the UK you will find it represents the UK national average temperature pretty well.
Anything to do with sharing Vodafone's base stations?
and the change in internal systems that would require
But Haggis in a sheeps stomach is freely available
From Morrisons, Asda & all "good" supermarkets
And now live from the home of Nokia, its..
You've been badly framed.
Hinge & Bracket
That's a lot of money to spend on an old-school cross-dressing comedy duo
But works absolutely fine on Windows
7 at least.
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