Thanks for your comments, as the title suggests I am seeking other people’s advice on whether my expectations were too great or not. As you say, I was lucky to find an NHS dentist. Not only that, but I printed a list of NHS dentists indexed by the closest, and with the first call I found someone in the next road. They are so nice there and I was ready to pay the Band 3 NHS charges of £306.80, but the practice receptionist told me I would get an exemption on the fee as I receive Pension Credit. If I have to pay the £475 I will. I was just upset to learn the very same dentist was carrying the extractions. The article you attached says the NHS covers “……..removal of teeth but not more complex items covered by Band 3. Any treatment that your dentist believes is clinically necessary to achieve and maintain good oral health should be available on the NHS.” I am sure that dentists find NHS work a complete pain, waiting ages for payment and being paid much less than the same work done privately. Maybe I have to accept that dentists today can pick and choose what they charge for. I think I will ask for exactly is covered. The removal of two teeth will require two crowns and this won’t be cheap.

Thanks just_jue. The same dentist is doing the complex extraction as who examined me (he is just replacing his dentist cap for his oral surgeon one). So he is just being selective as to what he does on the NHS which is why I feel I am being scammed or is this common practice for dentists today?

I have always gone private for my dentistry but find I can longer afford it and registered with an NHS dentist, ironically 5 minutes walk, the closest I have ever had. Now dental charges are shown as: NHS dental charge bands 2024: · Urgent Treatment – £25.80 · Emergency appointments and any emergency or urgent treatment you need that cannot be postponed. · Band 1 – £25.80 · Dental checkups and if your dentist finds you need any X-Rays or a basic clean (scale) then these are included at no extra cost. · Band 2 – £70.70 · Everything in Band 1 plus NHS treatment provided directly by your dentist (such as fillings, deep cleaning, simple root canal treatments, extractions), and simple changes to dentures (such as adding an extra tooth or relining the fit surface). · Band 3 – £306.80 · Everything in Band 1 and Band 2 plus complex NHS treatment requiring the help of a dental lab such as crowns, veneers, bridges, dentures and mouthguards. However, the kind receptionist advised me I would be exempt from any charges as I receive Pension Credit. But when the dentist examined me he told me I would need to pay £75 for cleaning and £400 to have two teeth removed. When my husband queried this, he was told that the extractions could not be done under the NHS, as they were more complex extractions that had to carried out by an oral surgeon not a normal dentist. They could refer me to a hospital but this could take 6 to 12 months. We felt they had saved us £306.80 on fees we had expected to pay by telling us about the pension credit, so if they are having to get hygienists and oral surgeons in, maybe they were being fair. However, we now find the same dentist, who owns the practice and examined me, is carrying out the work, so this all seems a little bit rich. I feel we are being taken for idiots, but is this the accepted stance for dentists today?

Hi all, Thanks for your help especially Ell-en, who has been helping me through PMs. Just back from court and it is now Blemain 0 - Michelle 10 when it comes eviction notices. Fortunalely, Blemain always fly Ryanair when it comes to solicitors and would you want Michael O'Leary representing you? This budget 28 year old, going on 12, who I'm sure will enjoy an amazing career in conveyancing, totally mucked up their case and we ended up paying £1,200 less than we were offering over the next three months. Thanks, Michelle

Thanks Honeybee, that's great.

No and Blemain have realised this with all proposals that the full balance was going to extend the term of the mortgage and I read the judge can do this. A judge can sometimes change the terms of your mortgage agreement with a time order. They could change the: amount you pay each month term of your mortgage interest you pay

Yes, I've drafted one and I wanted to PM you it to check, as I didn't want it viewable by Blemain - in case they ever sneek a peek at this site. Ten months left on the mortgage.

Thanks dx100, I'll try her in a moment. We can provide bank statement to show we can afford it.

We last went to court to stop an eviction in Feb 2019 and agreed monthly payments plus £200 a month towards the arrears and a this was maintained for a year when the pandemic started which deeply affected the income of our business which was the main source of our income. During the summer of 2020 we were able to make payments of £4,000, but this could not be maintained. From April 2021 we managed to make payments for a year that maintained monthly payments and didn't reduce or increase the arrears. In April last year we agreed monthly payments of £1,000 with Blemain and this was maintained for 4 months before we struggled. We still made smaller payments every month, but we faced repairing an extension roof, replacing a washing machine and drainage/door lock repairs amounting to nearly £4,000. We made payments this month for £1,600 bringing the arrears down to £10,000 and we can now comfortably manage monthly payments of £1,000 per monthly (reducing the arrears by £465 a month) as we now receive pensions in addition to our business income.

They issued a Notice of Eviction

Hi, back again after 10 years. I have to drop off an N244 to the Court on Tuesday for a hearing the following Tuesday and need a little bit of help in case I say the wrong thing.

That would be a shame, but they shouldn't mess people about!!!

Hi, rec'd credit back on card today after eBay forced the refund. Many thanks.

Thanks, I couldn't get everything together to post yesterday, so I will send today and email the details to the court as well.

Thanks Andy, The article, which is now nearly 3 years old, appears aimed more at the rental market, while I assume it refers to all possession orders. Which part did you think affected me as a "homeowner"? With the hearing on Monday, I was going to write to the Clerk of the Court today to explain my husband and I had just got over flu and would not wish to infect anyone by attending. I intended to enclose proof of payments made to Blemain and payments of £2,781 made in last 3 months on home repairs, along with an offer to continue realistic payments until the debt is cleared. Should I email this to Blemain as well? In their Witness Statement Blemain ask for the Warrant of Possession to be valid for 12 months. Should I be concerned about this short period. Many thanks, Michelle