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ScarletPimpernel

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  1. The reason is that they want you to give them money. . . You know what to do!
  2. Because the DSAR departments actually understand data protection, whilst all the others don’t, and seem to think their role is to try to prevent access. In my case I understood why, as the SAR showed evidence that HSBC staff had deliberately lied to me to cover up an error they made. Later, one of their in house solicitors told me that he was fed up of their in house DCA continuing to pursue people when the legal advice was to cease activity because they didn’t have the paperwork. So although banks would probably like us to see them as one big happy family, not all departments talk to each other and people aren’t always well trained. I suspect that targets have something to do with it too.
  3. It's not as easy to save in the Armed Forces as it was. There are daily charges for accommodation, utilities and a monthly charge called CILOCT - Contribution in Lieu of Council Tax. Then there is food - since the introduction of Pay As You Dine the cost of eating has generally risen, unless individuals stick to the Core Meal, which is cheap, but usually dire. However, it's still cheaper than living alone in the civilian world. For many young soldiers this will be the first time they have had a decent disposable income, and my experience is that many of them become expert at disposing of it! Most recruits earn around £15k when they start. There's some useful advice about saving in the Forces at https://www.moneyforce.org.uk/Managing-money/Save-and-invest In terms of the apprenticeship issue, I think I can assure you that for the first few months of his Army career, your son will be too busy to think much about it!
  4. The address I used was this: HSBC, Griffin House, 41 Silver Street Head, Sheffield S1 3GG Unfortunately I don't have any of the correspondence any longer, and of course the department may have moved, but the address might be a start.
  5. @craigten - which part of HSBC have you been dealing with? A few years ago I was in the same position, trying to get data from HSBC, and they were being difficult. Trying to deal with their customer services was hopeless - every letter came from a different person, and they often contradicted themselves. However, I finally discovered that they have a department in Sheffield that deal with data disclosures - and they did know what they were talking about, and organised sending my data quickly.
  6. It is very difficult to make stick, and from the cases I have read about, poor mental health is often a feature, whilst in the case of CWD and their clients greed appears to be the motivational factor.
  7. I suspect you mean vexatious litigants. In any case, it would be their clients, not CWD as lawyers, who would be barred from bringing cases as vexatious litigants if they were so classified.
  8. 18million - I know quite a few people who describe their PTSD journey in much the same way as you. But they’ve made it through, and you will too. Family support is crucial. All of them had difficult times during their recovery, setbacks and dark moments, but now have fulfilling lives - even though they aren’t doing the same jobs as they were before. There are some useful resources at Mind, Rethink and Combat Stress. You might also like to look on YouTube for talks by Michelle Partington about her experience. I know Michelle, and she’s amazing - you’ll see that you aren’t alone.
  9. PTSD is a complex mental health disorder which is often co-morbid with other conditions. It is not simple to treat, and one size certainly does not fit all. It’s often necessary to try several therapies before finding one that works. Talking therapies are often helpful, but again there are many different approaches and what works for one person may not work for another. I know of very few cases where medication has not been required at some time, usually in conjunction with a talking therapy. EMDR - eye movement desensitisation and reprocessing - has been found to be effective in some PTSD cases. But it doesn’t work for everyone. PTSD recovery is a long haul, often difficult, and every sufferers’ experience will be unique. Telling people they need counselling and not medication isn’t helpful. There are many medications that are useful; the only people able to determine whether they are necessary or not are the treating clinicians, who have not only the proper training, but also the full clinical picture that enables them to make informed and appropriate prescribing decisions. My job includes training people, including Armed Forces and NHS staff, about PTSD.
  10. You may find the Money Advice Liaison Group's guidelines on mental health and debt useful when dealing with creditors. Schizoaffective disorder is a serious mental health condition - creditors should be treating you as vulnerable, not trying to take your benefits. My suggestion is that you speak to your CPN or other mental healthcare professional, and ask them to complete National Debtline's Debt & Mental Health Evidence Form that you can then send to your creditors. It should take the pressure off and stop them chasing you.
  11. There seems to be a lot of confusion around mental health services for veterans. There's a myth that circulates, usually on social media, that there's no support for veterans with mental health problems, especially PTSD. It's untrue, and it's unhelpful for those who are suffering because it could make them think it's not worth asking for help. Part of my job is training people in mental health, including the Armed Forces community. I also train NHS and local authority staff around the Covenant and working with the AF community. I thought it might be useful to post some up to date information. The NHS has specialist mental health services for veterans: NHS Transition, Intervention & Liaison Service A dedicated, local, community-based service for veterans and those transitioning out of the British Armed Forces with a discharge date. The service provides a range of treatment, from recognising the early signs of mental health problems and providing access to early support, to therapeutic treatment for complex mental health difficulties and psychological trauma. Where appropriate, help is also provided with other needs that may affect mental health and wellbeing, for example housing, finances and employment, reducing alcohol consumption, and social support. Veterans can self-refer, or can be referred by a GP or charity. Veterans Complex Mental Health Service This is an enhanced local community based service for ex-service personnel who have military attributable complex mental health problems that have not improved with earlier care and treatment. Many ex-Service charities also provide health care help and advice - see Veterans' Gateway or COBSEO for details. My own view is that if you are looking for treatment from a charity, stick with COBSEO members (all those on Veterans' Gateway are), because they use evidence-based therapies which have undergone clinical trials. That is not to say that other therapies don't work, but without proper trials it's not possible to know whether they are genuinely effective, and whether they stand the test of time. Personally, I wouldn't go near anyone who says their therapy 'just works', or says that they don't need clinical trials. It's also worth remembering that what works for one person doesn't necessarily work for another; finding the right treatment can involve trying several different methods and referral to different specialists; and recovery takes time, patience and commitment, and often includes highs and lows.
  12. The NHS has codes to identify those who've served in the Armed Forces. The assists the NHS to enable veterans to receive appropriate support when needed. GP practices should ask patients whether they have served, but this doesn't always happen, so if you're a veteran, ask your GP or practice staff to ensure that your records are coded appropriately. The codes are: 13JI - Military veteran 13JY - History relating to military service 13q0 - History relating to Army service 13q1 - History relating to Royal Navy service 13q2 - History relating to Royal Air Force service 13q3 - Served in Armed Forces Some GP practices are now (or soon will be) 'Veteran Aware' NHS England and the Royal College of General Practitioners have endorsed the 'Military Veteran Aware' accreditation. Accredited practices will: have a lead for veterans’ issues within the surgery identify and flag veterans on their computer system undertake dedicated training and attend armed forces healthcare meetings increase understanding of the health needs of veterans amongst both clinical and administrative staff This scheme is being rolled out nationally from late 2018.
  13. The Veterans Covenant Hospital Alliance is a group of NHS hospitals that are leading the way in caring for veterans. The first 25 hospitals are: Brighton and Sussex University Hospitals, Sussex Armed Forces Network; Cambridge University Hospitals NHS Foundation Trust; City Hospitals Sunderland NHS Foundation Trust; Doncaster and Bassetlaw Foundation Trust; East Suffolk and North Essex NHS Foundation Trust; Guy's and St Thomas' NHS Foundation Trust; Hull and East Yorkshire Hospitals NHS Foundation Trust; Leeds Teaching Hospitals NHS Trust; Newcastle upon Tyne Hospitals NHS Foundation Trust; Norfolk and Norwich NHS Foundation Trust; North Bristol NHS Trust; North Tees and Hartlepool NHS Foundation Trust; Northumbria NHS Foundation Trust; North West Anglia NHS Foundation Trust; Portsmouth Hospitals NHS Trust; Robert Jones and Agnes Hunt Hospital NHS Foundation Trust; Royal Cornwall Hospitals NHS Trust; Royal Devon and Exeter NHS Foundation Trust; Royal Edinburgh Hospitals, NHS Lothian; Royal National Orthopaedic Hospital NHS Trust; Salisbury NHS Foundation Trust; South Tees Hospitals NHS Foundation Trust; Cardiff and Vale University Health Board; University Hospitals Birmingham NHS Foundation Trust Wrightington, Wigan and Leigh NHS Foundation Trust The recognition means that patients who have served in the UK armed forces will be cared for by frontline staff who have received training and education on their specific needs and who can also signpost them to other local support services e.g. Mental Health.
  14. The MoD has published its Strategy for Veterans, a 10 year plan around how support for veterans should be formed.
  15. Robinson Way once told me that they'd confirmed I was resident at an address. I replied asking them how they'd managed this feat, given that it was a spoof address that doesn't actually exist (for security forces in NI). They never did get back to me. . .
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