MrSooty
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Thank you for your honesty, it is appreciated... However, this then means (ipso facto) that it is the 'service user' - or, as we used to know them, the HUMAN BEINGS, who suffer here the most. The very people the system and staff who populate it, intended to provide help and support for and yet, for the very reasons you state, it isn't happening and YES, we ALL know about cuts and resources, BUT there are ARMIES of highly paid MANAGERS (another misused word) in this system that haven't got a clue and rather than make a business case for change (more staff/better working practices) they simply take the money and keep their mouths shut! The regulatory system is also virtually useless, how many people really believe that Police investigating Police is ever a good idea and it's the SAME in the NHS - if you have any doubts, read all about the CQC - the ones who certified Bristol for operating on babies and thought Staffordshire was just wonderful, until a tidal wave of public opinion and outcry revealed the rotten, disgusting mess that had festered for too long......it's a national disgrace and our Mental Health Services are in the vanguard of this crime! Tell me about the shining examples of good practice and humanity winning against the odds, but please don't lets pretend these routine failures are only the rare exceptions - they aren't and if we had genuine 'transparency' into the workings of what over a MILLION employees of the NHS are doing every day, we would all be rioting......
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If only life was so simple.... It was the Team Manager that was the problem and the manager above wasn't any better - the whole system doesn't work, or at least, that's our experience of it and we had plenty of other professionals who agreed with us! The reputation of the CMHT in our area is very poor indeed, as is the whole Trust - appearing regularly in the lower quartile of all performance metrics tables - if you didn't have it before, you'd probably be suffering from depression after dealing with them! No personal offence intended here, perhaps the individuals are all wonderfully loyal and committed folks, but how can they stick it day in day when they clearly are achieving so little???? Perhaps Kitten1 can attest that her JD matches up with the reality of her working day and she is able to deliver visible and measurable results to her 'service users' ? Interested to know how many she has at any one time - 30 or more????
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If you want a good cry (it's way too serious to be laughing about), try looking through a document named "refocussing the Care Programme Approach 2008"..... My only caution would be, that's the THEORY, it doesn't work like that in reality - maybe they haven't been required to read it and still work the 'old way'????
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The comment 'Ticking Boxes' hits a very raw nerve..... I have never known a job title that was so inappropriate to the duties that were actually performed by those involved! I had long ago renamed her the "lack of care uncoordinator' - with good reason!
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Default still on credit file after 6 years - natwest bank account
MrSooty replied to MrSooty's topic in NatWest Bank
OK, cheers! -
Default still on credit file after 6 years - natwest bank account
MrSooty replied to MrSooty's topic in NatWest Bank
Thanks for quick response! Do I need to do anything to get it 'removed' from my Credit File? Does that mean my 'credit status' is normal - I don't have any other 'issues' and have been blemish free for several years! -
We've not long held our son's funeral - he had 2 Care Coordinators in the past 12 months and neither of them did ANYTHING that we could honestly agree helped him in ANY way!! He endured Mental Health issues for several years and was NEVER offered a treatment/therapy that HE wanted or that was shown to be EFFECTIVE! Lots of chat about 'support' (the invisible kind that does nothing for your situation) and lots of Acts being quoted in long letters pretending to be 'polite', but sadly nothing that actually helps your loved one get better! If I can presume to offer anyone ANY advice on the subject, it would be this - Whatever you do, make sure you express your concerns/worries/doubts/needs IN WRITING as often as you feel the need and then if you do NOT get any sense out of them (and it is doubtful you will), then escalate the matter through their complaints procedures and keep at them! They will ALL have a legal team behind them, so you may need to enlist specialist help and advice, but do NOT give up! If you are the person in need, GET HELP and if you are the friend/carer/family of the person in need - GET HELP - we have found out too late that being nice, or reasonable or patient DOES NOT WORK - be a pain, be as awkward as you know how, be persistent and be committed to getting the best care you can! Good luck
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I was defaulted by NatWest around 2004 (Paid overdraft owed - didn't pay their excessive charges!). No payments have been made since 2004, so should this default be removed? Have read there is a possible 'complication' around whether Account has been closed? I would have assumed that if you were in default, they would close it automatically!? Thanks
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Amongst all the misery associated with PDL victims - perhaps we should take a moment to rejoice in the action taken by the OFT in closing down MCO Capital and delivering a knock out punch in the form of a £544,000 fine - Now THAT's what I call JUSTICE!!!! It is beyond question that sites like CAG have played a huge part in bringing about this outbreak of common sense on the part of the OFT, who are probably overwhelmed by such organisations running rampant! Well done and sincere thanks to both organisations - the fight is on and we all play a part, however small......
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Would LOVE to a fly on the wall of 2 particular PDL companies when they spot the reversals in their accounts
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I did - trust me on these things It gets better though, the refunds have already appeared on my son's account - so well done Lloyds TSB
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Breaking news!!! After a lot of wasted time speaking with the lower ranks and escalating the issue up the ladder, they have called back to repeat all the same rubbish again...... However, I also tried another route and found a very knowledgeable chap in the Dispute Department, who is in the process of contacting all the offenders to cease any future deductions and REFUND the payments taken yesterday!!! If he is as good as his word, then that is a great result - but you do have to fight for it - not for the fainthearted for sure!!! Will post tomorrow to confirm refund made....
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Is there an Imp in the house!? Just had sight of my son's Bank statement and despite handing in a letter over a week ago, telling them to cease ALL CPA's on his account, they are STILL allowing payments to be made to PDL companies AND have let his £100 OD drift up to over double that - for the first time ever!!!!!!????? This also means that the PDLs we wrote to, instructing THEM to cease deductions because of his circumstances - lost his job, on benefits etc - are also STILL taking money from his account!!!!!! Surely, this is not proper or indeed LEGAL is it????????? Assistance required over here - I'm mad as hell and will be in touch with the Bank shortly, so best call for an ambulance.....
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As ever, many thanks for your prompt and helpful advice - much appreciated!
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Hello again.... Not sure if a new thread is required for this 'topic' but it's the same person with the same problems, just a variation on a theme One of the loans taken by my son, has defaulted to the 'guarantor' that was required at the time the loan was taken - his partner!! She is now having daily interest taken from her Bank account and understandably, isn't best pleased with him or the PDL! Does this get treated any differently? We have already sent them a letter stating HIS circumstances, but does SHE need to do the same, as she is also on benefits, with two young children (not my sons).... Messy business One more small point, is that one of the PDLs has responded by requesting that he complete an income and expenditure form and send them £1 for a copy of his agreement, 'in accordance with the 1974 consumer credit act' - legit?
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