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    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the xx/xx/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the xx/xx/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, xx/xx/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
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NHS fees for non-uk citizen.


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Hi all,

The problem I have is this. My grandmother came over to the United Kingdom for 2.5 months recently. She is a state pensioner from south africa. About 4 weeks ago she was submitted to the hospital via ambulance since she was not well. My Mother signed on behalf of her for any treatment to take place, since my grandmother was not in a fit state to sign anything.

We did not take out any insurance for her since she is over 80 and we could not find any insurance company that would provide cover.

The hospital has now written to us asking whether or not she is a UK citizen etc. She clearly isn’t. We cannot afford to pay the bills. And we certainly didn’t authorize any of the treatment that she had whilst in hospital. Etc

I trust that this is a sensitive topic since we don't want thousands of foreigners coming over to this country and getting away with free treatment. But I feel in this case there is an exception to be made.

Any comments or thoughts would be appreciated.

Thanks

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Don't take this the wrong way, but why do you think there is an exception to be made? I don't mean that in a "shut up and pay up" way, I really want to know what are the reasons for you saying that?

 

If we look at the facts as you have given them: She is not a UK (or EEC) resident. She did need treatment, which she got. You don't state what the medical problem was, but seeing the state of the NHS, it is unlikely they would have carried out any procedure/investigation that were not necessary.

 

I'm sorry, but I really have a problem working out your logic, beyond the "she's 80 and we can't afford to pay", neither is relevant as to a cause for exception to be made. :-?

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Hi Bookworm :D

 

We meet again...The position I am arguing from is this.

 

My mother went with my grandmother to the hospitol, upon arrival...My mother had to sign a doc "I will pay for treatment" this was for them to do anything. The concern we have is that the hosiptal did not call us at anytime to ask for permission to carry out further tests or advise how much this was going to cost.

 

I am gratefull for the service they provided and yes they are very thourough in their jobs as they should be. But in this case it just feels that my mother wrote them a blank check?!?!

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Sounds terrible doesn't it when you are talking about human beings and compassion. We are all the same, just humans trying to make a life for ourselves. But coldly, sadly, taking the personality and what is in the heart out of the equation, Bookworms right.

 

I wrote to John Reid once for reasons I won't bore you with ( and for which I might get lynched on this forum!:D ) when he was Health Minister asking why he was allowing Paul Boetengs relative to skip back to Nigeria without paying his NHS bill when he visited. It was all over the paper at the time so I'm not saying anything out of turn. I also asked him how much was unpaid by ' visitors ' for medical treatment. I don't have the letter anymore with the exact figures as I threw it away but I can assure you it was millions.

 

When I go to France and have to see the Doctor - I have to pay, same in alot of countries.

 

I know not what the ailment or need to attend hospital was for and whatever treatment was needed I can empathise with you - she's a human being for heavens sake - but when our pensions are being skimmed on people who paid in all their lives thinking they had something when they retired, specialist treatment cut back for uk citizens because of cost, increasing dental charges etc etc, I regret I must agree with Bookworm - it has to be paid for.

 

In Ireland women were arriving from abroad ( Africa ) on planes who were 8.9 months pregnant, so they could have their baby in Ireland, claim residency and get it all free. Sorry Not on! and I love kids and Africans as it happens but in the hard world one has to survive and our taxes and NI payments take a significant amount of our income.

 

I think I've said enough - although I hope she gets better.

 

 

EDIT: I hadn't seen your last posting before mine appeared under it.

 

Blank cheque or not - If she was seriously ill and you had a price given to you what would you have said - I can't afford it we'll take her home?

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Ok. I see what you mean.

 

You may want to query the methodology of the hospital, possibly, but unless you have a doctor who is willing to pore over every single treatment your grandma got and query its necessity, you are going to have a hard time getting anywhere, IMO. And it doesn't answer my question over why you feel your grandma's case justifies an exception?

 

Blank cheque, hmm.... Say Grandma goes into cardiac arrest in the middle of the night, and you haven't given permission for any unauthorised tx... NOK is nowhere to be found... What does the hospital do?

 

I used to work in medical repats, and the way some people got treated (or not, as the case may be), depending on whether they had insurance or not, makes you realise that the UK ain't so bad. In the US, in particular, they wouldn't do anything unless you handed a credit card first. A rather quaint interpretation of the hippocratic oath, IMO, but that's another story.

 

My advice would be to come to a payment arrangement with the hospital, as I really do not think you will get anywhere on that one. Happy to be proven wrong, if anyone knows better. Really. :-)

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Blank cheque or not - If she was seriously ill and you had a price given to you what would you have said - I can't afford it we'll take her home?

 

I see your point.

 

The thing is after she came out of hospital (she was in there for 2 weeks). She had to go see a doctor to make sure she was on the correct medication. 10min with a doctor to check this cost £40. hourly rate of £196...

 

£196x8x20 x 12 months = £376k per year for a doctor/consoltant?!?!!?!?

 

Is the NHS Privetly run or goverment??? Please remind me?? How can they charge these rates.

 

The thing is...I am worried that they are going to charge us an extorsionate rate...Also when in care the nurses were so busy they couldnt even give her the proper attention she deserved. The doctors were getting ****ed off because the nurses kept forgetting to take her temperture. lol how can they charge rates of £200 per day for this kind of service.

 

I know this is a touchy subject and understand your points. I myself am a UK citizen and know what we pay on Tax and NI. But its only when you experiance something first hand when you really realise what kind of service companies are providing...

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Ihow can they charge rates of £200 per day for this kind of service.

 

 

Just for info: Greece or Canary Islands, etc: Outpatient clinic - approx £ 300, Inpatient - starts at £ 500, Intensive Care - Uwards of 1k. US? You don't want to know... :rolleyes: And incidentally, South Africa, OUCH, is all I can say. ;-)

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Blank cheque, hmm.... Say Grandma goes into cardiac arrest in the middle of the night, and you haven't given permission for any unauthorised tx... NOK is nowhere to be found... What does the hospital do?

 

:) Yes I agree. Any person with a heart would. :)

 

The thing is the first 2 days were critical. and fine we are happy to pay for this.

 

The remainding 12 days that she was there she was fine/stable she wanted to come home. The doctors said she mustnt since she must be monitered for 3 days, then another 3 days , then another 3 days. Who is to say that they arent just doing this to make money themselves? I dont mean to come accross as paranoid. This wasnt critical yet they insisted.....

 

I coiuld change the name of this thread to "They kidnapped my grandmother and held her for ransom" :)

Barclays - Success. Total £3000.

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Vodafone - Default removal + claim for distress. Settled default removed = £1000 in compensation + £120 court costs paid. :D

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Just for info: Greece or Canary Islands, etc: Outpatient clinic - approx £ 300, Inpatient - starts at £ 500, Intensive Care - Uwards of 1k. US? You don't want to know... :rolleyes: And incidentally, South Africa, OUCH, is all I can say. ;-)

 

:o Ouch...hmm

 

Im going to write back simply stating that she has returned and is not a uk citizen. Ill let you know what they write back. At least then I will know how much we are talking about

Barclays - Success. Total £3000.

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Vodafone - Default removal + claim for distress. Settled default removed = £1000 in compensation + £120 court costs paid. :D

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This is not meant to be disrespctful - but have you ever used a vet? You think writing a blank cheque to the NHS is hard - Vets take the shirt off your back!

 

No disrespect taken :)

 

I guess anything with a heart beat and an owner/relative is worth something "MONEY MONEY MONEY"

anything with a heart beat without an owner/relative isnt???

 

Scary stuff:-?

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Please do.

 

I went to France 19 yrs ago, and promptly ended in ICU with acute viral meningitis. I was in hospital for 5 days, 3 of them in ICU. Lumbar pucture, the works.

 

Despite the E111, as the French system doesn't operate a blanket policy like the UK, I was left with a percentage to pay. £1000 approx. That was about 10% of my total bill. 19 years ago. But hey, these guys saved my life, so the way I see it, money well spent! :-)

 

The moral of the story (I didn't just say it to scare you with the costs, I promise!) is ALWAYS ensure you have adequate medical insurance cover (not a dig at you, I know it would be hard and pricey to get Grandma cover, and there'd be a raft of exclusions), if you're going to EEC, PLEASE make sure you get your E111 (no longer called that now, of course) and take it with you!

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Ffocus - I know you said it would have been pricey to have gotten your grandmother insurance but would it have been cheaper than what you now need to pay because she *wasn't* insured?

 

We all think we can save money by thinking we probably won't need insurance so why bother paying for it but the fact of the matter is that the one time you need it will be the one time you decided to not take it out.

 

As far as I'm aware your grandmother wouldn't have got the treatment for free in her homeland so why should she get it for free because she was on holiday?

 

I'm positive that the doctor's did not keep her in to make more money. If she hadn't needed the bed they would have got her out of it as quick as possible. Despite us reading about how the NHS has no money I doubt very much if they feel they can fill the void by keeping overseas visitors in a bed ... especially if the payment hasn't already been received

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I have some experience of taking my then 87 year old mother TO South Africa, I had to get insurance for her at a cost of over £800. She had reason to go to a doctor over there before on a previous visit and it cost her as she stayed on for an extra 2 weeks, was bitten by a nasty spider and was not insured. They will charge us when we are over there in SA, so what is wrong with SA citizens paying for treatment when they come over here.

 

I would have thought it is obvious that it has to be paid. Its difficult enough over here getting what you pay for in NI and taxes, the reason the NHS is so short of money has got to be the sheer numbers of people coming here for treatment, whether it be on purpose or by accident.

 

Sorry ffocus, but have to agree with the majority on this one, but hope your Gmother is recovered and the bill is not too high.

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Fair comment bankoff :) Thanks all for posting. Ill let you know what the cost of hospitol treatkment when i get the bill.

 

Best wishes to all

ffocus

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Barclays Brother - Success £500ish

Vodafone - Default removal + claim for distress. Settled default removed = £1000 in compensation + £120 court costs paid. :D

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Reading this thread has incensed me slightly. Not to sound nasty and yes we all do get ill but saying about the medical staff saying your grandmother had to stay in a few days to be monitored and then another few days, unless you have gone through what they have to get qualified i would accept there decision they would rather have you in there a few more days than is absolutly necassry than rushing you out and something bad happening. If they had sent her on her way after a few days and something had happened (not aimed at you) but how many people would be straight on the phone to there solicitors. I Am good friends with a lot of doctors and quite a few paramedics and they see so many non ECC people over here on "holiday" that just happen to require treatment.

 

I am with everyone on here she recieved the treatment the bill should be paid,

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I am with everyone on here she recieved the treatment the bill should be paid,

 

I may live to regret saying this but....

My argument is now the cost of which they may present us with. Just because the NHS is currently in state of dis-repair doesn’t mean they should be aloud to charge extortionate rates to non-eu people.

Forgive me for being blunt and probably not taking into consideration of a lot of things but...

Imagine a small ward looking after 10 patients. With the following staff.

1 Docter - £120000 per year without OT = £500 day rate

2 Nurse - £30000 per year wthout OT = £125

Their weekly cost would 625*7= £4375

10 patients at a cost of £300 = £3000.....

 

Actually thinking about this.......If the day rate was £300 its not bad I suppose.

Amazing how expensive everything has become.

 

Just to add a final note I do believe that the NHS offer a fantastic service. But these days we do have to be carefull with out money. A lot of people wont contest the charges/prices some companies demand.

 

This is the whole point of this site is it not?

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Barclays Brother - Success £500ish

Vodafone - Default removal + claim for distress. Settled default removed = £1000 in compensation + £120 court costs paid. :D

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Ffocus- I have read the thread and if the charges are penalty fees then fair point but they are for a service that was received, not a penalty. Can you tell me what was the penalty charge?

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As others have pointed out, NHS is relatively cheap compared with most EU countries, and certainly a lot cheaper than North American hospitals. £300 or so for a day, including a bed, meals, having someone to check on you and answer your call when you ring the bell, medications, doctor/nurse monitoring... is a fairly good deal. If you rent a B&B bed and hire someone to be around for 24 hours as a carer, it would have cost you a lot more.

 

When I was sick in Canada and have to see a GP, I had to pay upfront. Same in USA.

 

The NHS doesn't actually make profits out of these situations, but they do charge the full costs, i.e. the other patients and taxpayers won't be subsidizing your grandmother.

 

You can usually negotiate a payment package with NHS if you tell them you have difficulty paying back the whole sum. The bed charges are not the key items. The x-rays, any procedures (eg surgery) are the expensive ones.

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Ffocus- I have read the thread and if the charges are penalty fees then fair point but they are for a service that was received, not a penalty. Can you tell me what was the penalty charge?

 

I have no-idea what you are talking about. I did not mention anything about penelty charges...Im just worried that the NHS may write back with over the top charges/fees. I am waiting now to see what they come back with. To be honest I believe that they will be fair. But I will have to wait until then.

 

I know this Subject is very touchy to most - understandedly :) - I pay taxes too you know...:(

Barclays - Success. Total £3000.

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Barclays Brother - Success £500ish

Vodafone - Default removal + claim for distress. Settled default removed = £1000 in compensation + £120 court costs paid. :D

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Ffocus- the last comment you made was about what the site was about and that was what my comment was about, penalty charges rather than service charges. ie, if the charges are clearly penalty charges then a claim should be made

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Ffocus- the last comment you made was about what the site was about and that was what my comment was about, penalty charges rather than service charges. ie, if the charges are clearly penalty charges then a claim should be made

 

This site deals with consumer issues as well as bank charges, hence the consumer section.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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This site deals with consumer issues as well as bank charges, hence the consumer section.

Enough said. All comments are appreciated though :)

Ill let you know if I have to file for bankruptcy soon

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Vodafone - Default removal + claim for distress. Settled default removed = £1000 in compensation + £120 court costs paid. :D

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Hi all,

 

The problem I have is this. My grandmother came over to the United Kingdom for 2.5 months recently. She is a state pensioner from south africa. About 4 weeks ago she was submitted to the hospital via ambulance since she was not well. My Mother signed on behalf of her for any treatment to take place, since my grandmother was not in a fit state to sign anything.

 

Thanks

 

Is your grandmother by any chance an Irish citizen (that is, was she or either of her parents born in Ireland?) If she is, I believe she gets free NHS treatment in the UK.

 

Tim

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This thread is beginning to make me a bit angry. Ffocus, I sincerely hope your granny gets well. I also sincerely hope you are not overcharged. But if you have a 'consumer issue' on charges then take it up with the management of the hospital just like you would with any service. Ask here how to do that and you will get all the support you deserve and we can muster.

 

 

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