I asked my insurance company and even offered to pay for it, but they refusing to accept it even if I get it.... All my medical records dont show any injuries to my shoulder joint, I have visited an osteopath that he passed the information to the doctor for injury on the muscles at the lower part of the shoulder blade. But this doctor asked for the shoulder joint not where the injury was. The issue is that you need an expert to create a report and this doctor just created a report on what he thought not on the answers I gave him. Would you trust a report from a doctor who thinks 13 months is well within a year? Ok anybody can do mistakes, but this doctor has keep doing mistakes one after the other...

The other side admitted liability, their client is been taken to court and she pleaded guilty. You say minor issues but the doctor is not capable of creating a legal report if he thinks 13 months are well within the year. Because he got a paper to say he can it does not mean he can do mistakes that are vital for the case. If I lost consciousness in the accident is important, but the main point you say YES and he puts NO. How this report is professional and legal document? That is my main issue not because he called my girlfriend wife..... He done so many errors that his professional status as a doctor and someone who has to write a report to be used in court is questionable.

Hi I have a claim with a legal cover insurance for a car accident that happen in 2015. This is covered under my house insurance, so it is no no win no fee claim. They have sent me to a doctor. He created a report that was wrong since the beginning. I have object to it but the insurance insist it would not make a difference to my claim. Then the doctor send me for MRI scan for my shoulder that I had issues with since the accident. He came back to say " in his opinion after looking at the MRI scan, the issue with his shoulder, joint to hand, is degenerative and is been brought forwards by the accident by 3 years". I gone with my girlfriend to see him after few months of the accident, I said to him, I lost consciousness at the accident, I have issues with my neck, back, (they are getting better but still cause issues), shoulders, leg was broken and badly injured the muscles, tissue and bad scars. To understand the accident, I was slowed down to 40mph, gone out of the road to avoid them but they still hit me with 60mph. The front right side of the car was damaged, wheel broke off, the door gone into my leg, broke the bone and damage my muscles, nerves. I was holding the steering straight so the car not tip over because I knew the wheel would brake and had my foot on the brakes. So I got all the impact force on my shoulders and leg. He said in the report, I gone with my wife, I have not lost consciousness, he said "I said" that back, shoulder and neck have gone after 3 months of the accident, my leg is been fixed (broken bone), he does not mentioned anything about the rest of the damage on my leg, he does not mentioned to the report that I never had any issues with my shoulder join before the accident, he only show his opinion. I had the accident on 07/06/15 and gone for the MRI scan on 22/07/16. After his second report, after the MRI scan, I questioned the degenerative comments as the MRI was more than a year after the accident and never had any issues with my joints before, he replied: The client had the accident in 07/05/15 and the MRI scan was done on 22/07/16, well within a year time". I asked the insurance to scrap this report as the doctor they have sent me is not capable of creating a legal report, he does even know how many months are within a year, but they refuse, even after I said I pay for the second report from a reliable doctor who can actually create a legal accurate report. They tell me that changing all these errors would not make any difference to my claim and I can only claim 10K-11K. After I seen an independent solicitor he advised me to not release the report if I am not happy. I told that to the insurance claim, I asked them that by asking me to release an inaccurate report is their legal advice but they refuse to reply to this question. They keep telling me we can go back to the doctor to correct his report, but I already asked for the report to be corrected twice and once the insurance company refuse to pass the correction to the doctor as they said it would not affect my claim, and the second time I asked the question about the MRI and and the degenerative comments he did not correct nothing, he just came back with the 13 months is well within a year comment. I just stuck now, if you go from no win no fee solicitors, the take 20%-40% of your claim, probably to do the same job as the idiots that my home insurance sent me. Anyone else had similar issues that can provide with any comments? Thanks

Oh guys I had Newlyn on my back for collection of a private parking ticket. They can not do nothing, just they pester you. The original company who issue the ticket did not wanted to go to court, when I told them the only way I will pay is through the court, but the collectors was keep sending me letters for the next 2 months. As long as you pay the council for the council tax then ignore them. To demand money they have to take you to court. Just make sure all your communication is in writing then let them to take you to court. They will not go.... WFC if they threaten you with court just go. With the judge they have to accept your payments. For that reason they wait before you see the judge and want your credit card. If you go to court then dont give in just before the court is big mistake. They can not bully you infront of the judge. About the dates? Why they dont accept payments on the 6th? This is missleading. I pay them by direct debit and the payment is comming out on the first, so they dont receive the payment until the 5-6th depents on the day. My rent comes out the same day by SO. So they dont receive it intil the 5-6th of the month. They never cause me any problems. I never had a problem with the payment date. They can go to court but is nothing they can do if you pay them every month. The error was you missed payments not the dates. People afraid of going to courts. Dont, some times it helps you better if you see a judge. AS FOR SPELLING AND GRAMMAR DONT COMPLAIN. I AM A FOREIGNER. I CAN SPEAK YOUR LANGUAGE BETTER THAN YOU CAN SPEAK MINE:) THIS IS ONLY PERSONAL ADVISE, THIS IS NOT LEGAL ADVISE. DO NOT FOLLOW IF YOU ARE NOT SURE AND SEEK LEGAL ADVISE

Hi I got a ticket from them back in Oct. I wrote to them once and they sent me the same responce they give to everyone. Couple more letters with threats etc and then the letter from CPA. Called CPA and told them to not bother me because there is nothing they can do. Then contact CE (always by email) and told them: ""I am not paying you a penny. You need to take me to court. If you take me to court you need to provide me with all the evidence you have because I will defend my case and I dont have to pay you £10 for them. Also you have to let me know the location but I advise you that I will ask for the case to be moved to London as the offence happen in London and is where I live. So stop contact me or see you in court."" My wife worried about the "see you in court" comment but I said to her to not deleted. Guess what, after a week I got a letter saying they will write off the PCN and no further action needed. (My wife's responce " I dont know what you do but it worked. They written off the ticket") At my letter I just put the above lines. No legal terms, no parts of the law etc. They dont want to go to court. It will cost them alot more and the chance to win is minimal. In my case they was providing photo evidence for a period of 4 hours parking for 2 hours limit. I was 100% sure that my wife never parked at the car park for more that half hour at a time so I did not worry about going to court and I was sure they could not provide the evidence they said. So I never include any law comments in my letter. Just plain Greeklish.

2 months

Hi This thread is for advise for how to cancel a contract that is brocken by the ISP. As an IT engineer I get alot of stories of bad ISP service. The latest of a my wife's side family member. Her son moved back to her house and installed Tiscali because he wanted broadband for his job. He left and transfered the connection. So the friend (no IT knowladge) choose Tiscali because her son had it. She did not know that SKY, she already have the full TV package, offer broadband and free calls. She got free phone calls in UK and broadband for ~£10. Since the connection most of the days her broadband in not working (she use skype to call her dauhter in USA) and the telehone line play up. Today I called her and it rung 5 times and then nothing, the line was live but she could not answer. On my side I could only hear the line live, no VM or anything else until I put the phone down. She try to call me back and I could not hear her. I dialled 1471 and it was her number. After I put the phone down she called me back and we could speak. She has to call the same twich to be able to speak. The first time she can not hear or heard by the other side. Broadband does not allow her to sent or receive emails from Tiscali from her Tiscali connection. The PC freezes when she clicks her email icon. Someone else tried with Yahoo email and workes fine. I tied her account on my PC and and works ok. She took the laptop (new laptop from PCWorld) back to PC world and they have tested it and there is no problem. So she can not get reliable phone service. She is an old lady, over 75, with Diabities and other medical conditions and she need to have 24/7 telephone service that she can contact the emergencies services if she needs, not to have to dial twice 999 before she can get through to them. She never had a problem with BT before she installed Tiscali. The broadband service is up and down all the time. She only use it for SKYPE and email to contact her daughter in USA. She can not do this reliable either. The question? What is the best way to cancel this contract? I advised her to contact them in writting with her compain and allow them 28 days to fix the problems. Also include in the letter that if the problem is not fixed to inform them that she will be cancelling her DD and cancelling the contract because all this time the company broke the contract with her by not providing the service they said they will give her. If the Tiscali pass the contract to Dept Collectors and she refuse to pay, are the Dept Collectors have to go to Court to be able to recover the money? If they do is the Court have to inform my friend so she can defent the case in court? Or is another way where the dept collectors can get a court order gainst her without a hearing? Just for your info. The case is not for the money, she has plenty of it to put a solicitor to defent her in court, she is just upset that Tiscali has not offer a service and when she call them with the problems they try to blame her PC or BT. Thanks for any advise

I had problems with Virgin too. They was promising half price deals and then cancel them amd dont tell you, take the money from your account without worning etc. The only solution is to just close your account. They think that people will not bother doing it. It took one month to change and when the request from BT gone to Virgin for the number transfer I got a call of customer services telling me that "this department should not have agreed to close your account and you are valued customer...etc" offering better prices. I have just told them how I feel and refused their offer. Aslo the changed their BB policy and half your speed if you make more than xxxMB downloads between 16:00-00:00. New supplier BB is 4 times faster and cheaper. Until I changed I thought Virgin have the best BB but how wrong I was. Also the new provider have more chanels and is cheaper.

I have called the court to say that they have settled even if the cheque has not cleared fully and they told me I have to go to the hearing to say that to the judge. So I gone early in case I could tell them that I dont need to be there etc. 11:00 AM gone to the Usher desk and informed them that Abbey have payed me the cheque. Usher told me that I have to go to the hearing at 14:00 but she will try to put me infront of the queue because the bank had settled. So I spend 1 hour walking round Startford. 13:20 Gone back to the Usher desk. They told me to take a seat and wait. I looked on the list and my name is one before last. Time passed and people come out looking depressed. One of the guys come out and had a talk with us and he said they put the cases on stay until the high court case result but if you talk to the judge and say you are ready then is up to the judge. He did not clearly said if his case was resolved or stayed. Couple more I talked their case was stayed. 16:20 the usher lady looked on the papers and I could see her mouth spelling my name and then look at me supprised. I think she has forgoten me. 16:30 they call me in. I see a different Judge from the one that was on the court papers. The conversation was similar like bellow: J: Hi Mr xxxx what you doing here? Me: I come to tell you that I got my claim settled in full. Technicaly I dont have the money yet, but the cheque clears tomorrow on my bank. J: Why? You did not have to come. Me: But the court staff told me to come. I called them twice to inform them that I had the payment but they told me to come anyway. Do you need a copy of the letter I prepared for the court and Abbey? J: You dodnt need to. The case is closed. You dont need to give any acceptance letter. You have cashed the cheque. This is enough. :o Me: Ok. I would like to talk to you about my personal expences for the case. J: Sorry Mr xxxx but I can not award anymore costs. You have been paid you court fees so that is enough. Me: Yes but because of the Banks way of hadling the case I had to prepare the court bundle...... etc. J: Mr xxxx you have been lucky getting your money. I had to put on stay so many cases today and they will not cleared until the high court case. So forget any other costs. So I spent my day at court to attend the hearing that I dont need to attend and have the judge telling me that I dont get any more costs awarded. So for whoever is in the process of going to court. If you have not put your personal expences in the court bundle do it before. Dont wait after the case is resolved. Is up to the judge if he wants to hear for any costs but at least they will know before the hearing. Good luck to all of you that have to go to court..........

No, they have sent me a letter the day before. Last week I called the court to find out if they have filled the court bandle. The court told me that they have only sent a letter say they try to resolve. Then on the 30th I received a letter from them with the offer and the next day a cheque.

Cheque in the bank yesterday, just wait to clear

Got the cheque today, £2750. When is cleared I will stop the case and then go for expences

Refuse the payment in writing and recorded delivery. If you have sent the LBA and if 14 days passed then resent and give them another 14 days and let them know that you will take them to court. If 28 days passed then file with you CC if you want to go ahead. Use the template letters from the site.

How much you have to claim? Do you have to pay for the claim (if over 1500 I think)? Do you have the money to spent if you claim is frozen by the test case? I had to pay £220 and I did not miss them alot so I could wait. I was lucky because ABBEY today sent me a letter that the will pay me. You have to choose if you go ahead or not. If you do then you need to have the court money and just wait for the rest to come. If the test case go in favour of the banks then the worst you that can happen is that you loose the Court charges.