David Rothwell

Nesting boxes next? David

fortunately we live on a hill so no flooding! lost part of the guttering and a few tiles over the last week, but compared to a lot of people got away lightly. David

yep mine arrived at 1130

ies out iPosted by avtur on 09/02/2014 14:22:49: I can understand a business wanting to ensure they are dealing with a genuine customer, that makes sense, but for me there are two questions. What process does the credit card company require, given that passport details are not normally required for an internet transaction I have to assume this is something the retailer has added; but why has the retailer gone to this extra step when clearly other retailers don't. Surely there is process to be followed which ensures that any subsequent losses sit with the card company, not the retailer; usually it is something like 'Verified by Visa; what is the reason for extra steps. ' Once the retailer has these extra details then that gives them a lot more information towards the customer's personal identity profile; for me the big question is how is this stored? What is the retailers data protection policy ? What security does the retailer have in place to ensure that those details are kept secure? When asked for ID (where a copy is taken) I have asked the question how/where do you store those details? What is the policy for disposal ... e.g. are copies just binned or are they shredded? The answers I have received often don't inspire confidence, and I have walked away from transactions because of this.     Edited By avtur on 09/02/2014 14:27:39 avtur , in answer to your question about collected data All Retail merchants ( whether physical or online) have to be PCI DSS (Payment card industry data security standard) Compliant and depending on how the merchant carry out their transactions (F2F, CNP or online) depends on the level of security that they have to have above and beyond the minimum standard and which course affects their transaction rates, transaction rates are based on risk of fraud Generally, if a merchant accepts a credit card for a purchase and the card is physically present, the liability for loss fall on the card issuing financial institution, not the retail merchant. However, under Card Association rules, the risk of loss falls on the merchant in all CNP ( Customer Not Present transactions). What this means is that the full value of a CNP purchase will be charged back to the merchant if the credit card turns out to be a fraud. If the merchant is only making a modest margin on the sale of expensive items, even a small number of chargebacks for fraud can be devastating. Obviously this company has grabbed the bull by the horns and implemented this policy because of previous fraudulent events, although how they can expect to expand their online presence/ customer base by using this policy is a question only they can answer. David Edited By Davwik on 09/02/2014 18:24:06

Think about whats going on here, anyone who asks for that info to sell you something aint legit and it could be a case of someone trying to steal your identity, having a little knowledge of how these scams work, it would seem to me that the website could well have been hacked ring your bank and express your concerns and make them aware of this request, also try and contact the supplier and inform them asap. Take action, after all if its legit all you get is a red face not a stolen identity!!!!!!

DD your a lost cause now , in 3 days you have gone from 1 budgie to a roomful and reading about breeding........dooomed, dooomed , I tell you !!!!!!! I recognise the signs... David

See ... thats how it start, just 1 in a cage..........now your talking about having 3 or 4 in room.........then they take over, you start breeding them........ you start trying to get specific colours........... then your lost, they have taken over ........you become budgie man............I`ve seen it happen , I lost a brother to this cruel hobby!!!!!!!!!! the only cure, several pints of alcoholic beverage and a good talking to by the wife ( or is it the other way around, a good talking to then several pints) and if that fails get a CAT!!!!!!!!!

Posted by kevin b on 05/02/2014 10:49:05: Reference photo 3. Are you sure he's s itting on your hand ? I just noticed that concentrated expression. Wow, this thread's grown wings. Its a budgie....not a red................bull

Daz Watch out, my brother started with one.....then another..... then another......after six months he had a hundred of the things in 18x12 ft shed at the bottom of his garden, all squawking away, I was really jealous............ what a waste of a good shed David

its not just overstaying in the car parks that these charges are levied on, my daughter had one wheel touching a yellow line marker on a parent and child bay (because of someone else`s inconsiderate parking in a parent and child bay) she had a notice issued complete with photo etc. Most of the out of town shopping complex`s now have these slippery companies in charge of their car parking, with target driven enforcers, unfortunately we now live in a society that considers all vehicle owners as cash cows!!

Tim ignore it, they work on on the theory that most people will pay without a thought, have had the same, the last at xmas in a local supermarket were it took us 2hrs and 10 mins to do shopping and get thru the till, as its a PCN you have no legal obligation to provide the driver details, these PCN are sent as default to the registered keeper of the vehicle, to my mind this is another money making scam by private car parking companies!!!!!!! "According to the Unfair Consumer Contract Regulations, parking charges on private land must not exceed the cost to the landowner during the period the motorist is parked there. In your case, the £50.00 charge they are asking for far exceeds the cost to the landowner.eg  the fee is £50 but parking costs £1-an-hour you’d need to have been there for 50 hours to justify the charge" Edited By Davwik on 03/02/2014 20:56:07

Posted by Josip Vrandecic -Mes on 27/01/2014 11:11:25: @ Hi Davwik , I have heard it should have VRM (very rich man)cert.... Cheers Joe Thats a pity as I have a VPM (very poor man) cert.....

do you need an "A" cert for one of those

ok, will give them ring on Monday David

sorry ... dont mean to be negative, 30 years of self employment and a couple of glasses of red stuff...... just remember the 80/20 rule..... and you will be all right,   oh and by the way , dont ever say you dont like anything the wife does!!!!! ..........thats  32 years of marriage talking David Edited By Davwik on 18/01/2014 19:34:07 Edited By Davwik on 18/01/2014 19:38:03

welcome to the ranks of the self employed...........60-80 hrs per week mostly below min wage for the next year or so any way. keep your chin up its worth it in the end David

Posted by Davwik on 16/01/2014 08:01:05: after getting a years subscription from my son at xmas, I have been eagerly awaiting my copy......and I am still waiting and I live in South Devon. and before anyone gets agitated, I am waiting for my son to sort it out David Edited By Davwik on 16/01/2014 08:03:44 so, my son had a letter dated 10 Jan 2014 confirming payment saying all issues payed up until Feb 2015.......guess what still no copy !!! disappointed! Edited By Pete B - Moderator on 18/01/2014 19:48:21

after getting a years subscription from my son at xmas, I have been eagerly awaiting my copy......and I am still waiting and I live in South Devon. and before anyone gets agitated, I am waiting for my son to sort it out David Edited By Davwik on 16/01/2014 08:03:44

What happens when the technology fails?

just think what will happen now they are not issuing any tax discs from April, we could all end up being clamped !!!!!!

yes please David

A Merry Chrimbo from here in the wet and windy South West

colin could be a "selfie" of BEB  sorry!!!! Edited By Davwik on 11/12/2013 08:33:22

kc hits the nail on the head ,the car is a tool ,its the people behind the tool that makes the difference David

Daz always happy to help anyone, especially in this business, pm me with phone or email and we can talk outside of the forum David