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Everything posted by SkintBag

  1. hi all, well its been over a year now, i have given birth to another daughter and the rpoblem started again but then stopped so all was healthy. I never did get to the bottom of my care with the daughter i lost, and am now unsure if its too late to try again now that i am stronger and happier with my life. any ideas?
  2. Thanks for your time and valuable advice scarletpimpernel, I know what concerns i still want to pursue the trust with, so now i will start to try and put a draft together
  3. I understand all of that, obviously for fraud but i didnt think they were allowed to apply for an account with credit unless i say thats what i want. Thwe letter they sent me states that the credit account i applied for i was declined but the point is i didnt apply for a account with credit. also they misinformed me that i was not allowed there basic account, which is on the CAB website that i am allowed to apply fo r that one:confused:
  4. Finally, thank you ScarletPimpernel ive waited a long time to hear someone agree with the dismissive nature, rather than wanting to get justice money was more interesting to them
  5. Thanks alot ida5921and royboy68 youve been very helpful
  6. Thankyou nearlyoldlady its nice to know
  7. Soz hubby was logged in but showed it was me?? lol. Thanks Scarlet I'll wait for your PM. Same goes for me if the Mods have any issues with this please let me know and we will work around it
  8. does this mean that what they did even forcing me to apply for a credit account under false pretences, that they did all by the book
  9. This is for scarletpimpernel, thank you for all this help once again. For your to be able to help me, and because you really seem to know your stuff, would it help if i scanned the previous complaint procedure? the reason i ask is really because i would like someone elses opinion about the occurance of the event. And i would really like to see what you make of it. Im gonna send the letter off requesting my notes anyway but feel an outside onlooker would help me to know that what i am doing id right.
  10. just a quick note to louis wu vbmenu_register("postmenu_1011644", true); thanks for the warining but my family are completely behind me as its not just me who has lost a daughter, my husband lost his daughter. Its not for closure as to why im doing this i have already accepted that i have lost a daughter but that is not what its about its about the lack of care i recieved for example at worst case At 21 weeks if i was threatning a miscarriage yet i was told to stay at home and rest up which would be ok had i not been so far gone. But coz i was it wasnt pretty. When i did lose her i had a clot of over 700ml so had i stayed at home there could of been serious complications and put me in danger yet this was not taken into account. So i know there was lack of care
  11. Thankyou Scarletpimpernel, Your advice is very useful and i am very grateful for your advice i know some people will think that i am just someone who cant move on and so am looking for someone to blame but that is not the case and i appreciate you taking it seriously. It states in the template letter Should you need to verify my identity, or if it is your intention to charge a fee for the provision of my records, please contact me without delay. Does this mean i can send the letter and then the charge is sent later. If so this would help as i dont have the money yet but that i can still get the ball moving.
  12. thanks royboy68 i thought so. Would i be within my right to ask them to remove it off my file as i thought it was illegal for companies to run credit applications without my consent. as i was told it was still gonna be a cash card only account. Yet from the letter they sent me it was a rejection for an account with credit facilities.
  13. Thanks alot for all advice, i am going to request my notes but i dont really know what to put in the letter, any suggestions will be gratefully recieved. I will perservere thank you coz i know that it will be worth it.
  14. Don't know much about this, sounds awful. Found another thread on here with a posting that may be of help. http://www.consumeractiongroup.co.uk/forum/nhs/23570-hospital-loses-all-medical.html#post306074 It's by battleaxe and could also possibly help in your situation, though my husband used to work for a hospital and tells me that it is very unusual for the notes to be lost since they are tracked using computers and it is more likly that someone has filed them in the wrong place rather than actually losing them. Hope this helps.
  15. Planner thanks for your info, however if a search has been put on your credit file and no account is added afterwards then wouldnt anyone be able to see that i had failed the credit check? and besides all information warns you that too many searches adversally affects your file. were they allowed to apply for credit without my consent???
  16. once again thanks for your help. If anyone else has anything to add please do not hesitate.
  17. Hello there, please forgive me if this turns out to be a long thread but the issue is very complex. I dont really know where to start so Im gonna jump straight in. In Nov 2004 I gave birth to my son and after 6 months or so in March 2005 I started to bleed very heavily and did'nt stop until Dec, during this time I had regular doctors appointments to try and find out why but they did'nt seem to intrested and gave me some tablets to "control" the blood loss. Obviously I was bleeding non stop so became very ill whilst this was going on dropping down to below a size 8 (bearing in mind that I am a 6ft tall lass who is usually a size 12) and had to sleep all the time due to having zero energy for anything. After another visit to the doctors in November 2005 she realised that even on the highest dose of the medication given (9 tablets a day) they were having no effect what so ever and decided to prescribe the Pill??? (maybe she thought it was irregular periods) to try and control the bleeding. However before I could start taking them I fell pregnant again (must have been one of the days I stopped bleeding for 5 mins) and the bleeding appeared to stop. The doctor said that it seemed to clear up on its own so not to worry and that none of the medication I had been taking would affect the baby. Then in January 2006 I started to bleed again, fearing the worst I headed to hospital and had an early scan to check, everything OK. The bleeding continued and I started to have regular appointments with the doctor again and also the hospital to try and locate the problem( i had to fight for these appointments as it was not worrying the doctors/hospital. After several tests they told me that they could find nothing wrong with me or the baby and that I should'nt worry about it to much (easy for them to say, I was bleeding so heavily that even maternity pads were useless) so on it went. Then in April I started to get excruciating stomach pains and contractions and passing clots, I telephoned the hospital and they told me that I should go home and rest up as there was nothing they could do, they did'nt even tell me to come in for a check up (this all happened on a friday night and I called them on saturday morning, as I did'nt have a phone and where I lived at the time no-one opens their door after dark) anyway I had an appointment on the Monday so I just grinned and beared it. Then, at the Monday appointment at the maternity clinic they checked baby and said everything was fine, I went to the consultation only to be told that the consultant who's care I was under was discharging me from her care as "it was no longer required". I went home and cried. The following saturday I started having pains and contractions again and after fighting it for about 4 hours I finally gave in and let my husband get me a taxi to the hospital while he stayed at home to look after our son. After arriving at the hospital and having all the staff watch me try and make my way to the maternity department (I was in excruciating pain and could not stand up properly, I even had to take the stairs as no-one would let me into the lift) I gave birth to my daughter at 21 weeks obviously by this stage there was nothing that could be done. Strangely after all this happened the bleeding completely stopped and has not re-occured. Sorry for the ramble but I want people to know what happened prior to the event before asking any questions. What I would like to know is 1. How would I go about getting copies of my maternity notes for this pregnancy? 2. Would I be able to take any action against the hospital for failing in their duty of care, since afterwards a midwife said it was obvious that there had been warning sign's but no-one picked up on them. 3. I don't want any compensation, just an apology would be nice and for them to change they way they provide care (or lack of) is this possible or do I have to claim compensation? We did go to a solicitor when it happened and he took the case only to drop it as soon as the hospital sent him a generic explanation about miscarriages and did'nt explain their actions leading up to the event. Any advice will be greatly appreciated. And on a happier note I got pregnant again a few months later and now have a beautiful baby girl (3 months) Thanks again, for any help.
  18. Thank you very much for the information you provided i found it very useful. What i dont understand is why i wasnt allowed to apply for the Basic account when i specifically stated that i wanted no credit facilities what so ever i just wanted an account where my money can go in and i can only take it out. I have also just checked their terms and conditions and they state that you are not allowed this account if you are a holder of another account elswhere, i didnt think this was correct? sure i have been told you are not required to declare any accounts with other banks. Any more info on this? Also are they allowed to try and see if im eligible for credit with them even though i told them i didnt want it. Also does that mean they made me apply for this account by deception? Anyone who has any more info on this it would be gratefully recieved as im not use to dealing with banks.
  19. Hya this is my first post so forgive me if ive posted it in the wrong place. I need help as Last Tuesday i went to Nationwide to apply for the Basic Flex account. Now all sounds very straight forward as there is not a credit application right. Well NO, they told me that i was not entitled to this account as i have had a previous account before, they said the basic flex account is only for people who have never had a bank account not for people with bad credit. So assuming they must be right i was like OK. They then told me they have to run a credit check. I informed them that i didnt want any credit facilities as i have bad credit, so i didnt want a rejection for credit on my file. They told me i cannot get a bank account without being credit scored. So i went along with it, not realising they were trying to give me credit. The system refused (as it would as i have Bad credit) so they said it goes to head office for a decision and i should find out within five days whether or not they can give me an account. After leaving i was very confused and didnt really understand what they were saying. Then today i recieved a letter telling me that i have been refused for a bank accouint with information about why i would be refused credit. The thing is the lady told me i would get a cash card account only before i left the branch ( which i already knew). So why was i refused for credit when i didnt apply for it. Are they allowed to make an application of credit without my permission? also who is the basic flex account for because i thought it was for people with bad credit? Also with the basic flex account is there supposed to be a credit scoring? Does anyone know what i should do about this? Please tell me if i am wrong about them doing something wrong.
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