I am going to be in the same boat as you soon in regards to BC so am gonna follow your thread. Good luck mate subscribing

cheers slick. i will do. just waiting for that info. I didn't even know these companies carried on the way they did. But now I make everyone I talk to aware of it and point them to this site.

the other letters amounts are. Another £22.32 £0.48 £10.80 £3.52 £4.28 £69.72 £1.48 £3.28 £11.50 £4.28 £1.96 £1.47 £1389.81 --> this changes to £1601.01 in one letter just insert new number as above and thats pretty much all of them.

fixed letter and date etc

Just to add for clarity...- it seems each letter refers to an individual item of which in total there are 14 but they have sent each letter to correspond with each seperate item / goods.

22/05/09 Dear KevMall's mum. important - you should read this carefully Default Notice Served under section 87 (1) of the consumer Act 1974 FIXED SUM - *some code regarding account goes here* We refer to the above agreement which you have entered into with us. The Payment Clause of the agreement provides that you must make a required periodic payment in full by its due date. You are in breach of that clause becuase you have failed to make all your periodic payments in full when due, and arrears amounting to £22.32 are outstanding (there are 13 more completley different yet seperate amounts on all the letters) To remedy the breach you must pay us the total arrears of £22.32 before 19/06/09. IF THE ACTION REQUIRED BY THIS NOTICE IS TAKEN BEFORE THE DATE SHOWN NO FURTHER ENFORCEMENT ACTION WILL BE TAKEN IN RESPECT OF THE BREACH. IF YOU DO NOT TAKE ACTION REQUIRED BY THIS NOTICE BEFORE SAID DATE THEN FURTHER ACTION SET OUT BELOW MAY BE TAKEN AGAINST YOU. FURTHER ACTION: On the date shown, we shall require the payment of the outstanding balance on the account less any rebate allowable, as set out below, Amount of outstanding balance £60.55 Less rebate £4.01 Total amount to be paid £56.54 IF YOU HAVE DIFFICULTY IN PAYING ANY SUM OWING UNDER THE AGREEMENT OR TAKING ANY OTHER ACTION REQUIRED BY THIS NOTICE, YOU CAN APPLY TO THE COURT WHICH MAY MAKE AN ORDER ALLOWING YOU OR ANY SURETY MORE TIME. IF YOU ARE NOT SURE WHAT TO DO, YOU SHOULD GET HELP ASAP, FOR EXAMPLE YOU SHOULD CONTACT A SOLICITOR, YOUR LOCAL TRADING STANDARDS OFFICE OR YOUR NEAREST CAB. *enclosed is a copy of the current office of fair trading information sheet on default. ???????????????????????????///

Scanner broke so will type it up word for word less personal details of course.

Hi everyone. Right here goes. Today when the postie had been to my mums house she went to collect the mail and to her surprise she had 14 envelopes on the floor - this is a new record for her. Everyone of them is from littlewoods and everyone of them is a default notice - Served under section 87(1) of the Consumer Credit Act. They all have fridays date on them and they are all for different amounts... Like they have itemised items and then told her to pay. She is really worried about this now as they threaten court action. She has never signed anything with them and is in the process of claiming back all the charges that she has been getting even after she explained her money coming in has changed and for the next couple of months she would be making a reduced payment. They just wont stop hounding her. Every other paragraph refers to her being in breach of this act and the clause and she must pay immediatley. Any thoughts please on what to do.

I have answered my own question through a bit of research. The hospital complaints procedure states a 25 day deadline to deal with complaints in full and not any longer. If it is a more complex case then they want more time they have to ask my permission for it but I haven't heard anything from them. It is now 48 days and counting and still not a peep from them. What are my options now becuase I don't know what to do.

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Thanks Silverfox. Is it still classed as mis-selling when they do something 'Under the radar' in relation to PPI. Heres how I see it. They stole money off me for 2 years - someone noticed they were taking this money from me and then tried to cover it up. I also just noticed on one of my statements that one of the PPI payments pushed me over my credit limit leading to LOADS of charges (and interest on those charges). Surely this isnt right is it. Like I said I use to just get the letters and statements and stick them in a folder and becuase I used to earn a decent living I just didn't realise these things were there but now money is tight it has been brought to light. Wow I cannot belive this company. I cannot wait to see what they come up with for this.

Hi All. To cut a long story short. Reclaimed a percentage of bank charges back under hardship rules from HSBC. They refused to acknowledge in writing that I am in financial harship and they refused to call the partial refund "bank charge re-fund" excpet for on my online statement it says "Bank Charges Refund". I then sent them the Thanks for the partial payment letter and told them I will be reclaiming the rest starting ASAP. I then sent all info to the ombudman and am awaiting to hear the outcome of that. The thing is HSBC have really peeed me off by contradicting themselves. In March this year they acknowledged fully that I was in Financial Hardship as I was already dealing with them via the CCCS and yet when it comes to coughing up the rest of what they owe me they said "we don't think you are in financial hardship and we will send you a letter stating this". It was that sentance that made me go to the ombudsman but I feel that this may not be enough to persuade HSBC to handing over the money. Should I give them the 8 weeks the ombudsman said I should or should I take it further. What you reckon is my best move?

Hi all. After reading all the info relating to Barclaycard on this site I dicided to send off a SAR to them to get all my info in one go. Question is will they send the True credit agreement with the SAR bundle or is this something I will have to ask for seperatley. I have requested ALL info they hold on me including aggrements etc. Also since joining this site I have become a bit more organised and decided to sort out all my old statements from Barclaycard (and many others) most of which were not even opened and was shocked to find that they had charged me 2 years worth of PPI which stopped in 2007 for no apparent reason (not complaining). The thing is it was never even discussed with me and just put there by one of the inbreds at Barclaycard. I am a little familar about the mis-selling of PPI but what about when they just apply it to your account.... Is this not an illegal act? Thats like printing money!!!?? Anyone have any thoughts on this point?

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Good point. I shall opt for the paying nothing option. ; -)

sounds the same as me. are you still getting the stupid charges though? i should hear from them in the next few days about my cca. and I have already got my sar letter ready to go if they provide me with the cca because i will be reclaiming the charges and ppi. if they dont provide i will dispute the account and pay my token payment without incurring silly charges. will keep you all posted.

I am unsure of the amount he was administered but I am going to start chasing this up on tuesday. I thought you would be interested to know that in some hospitals in Manchester they are actually stopping the wearing of the red allergy bands - this is something a nurse told us at the hospital where my father eventually got his stitches. She told us to complain to get them reinstated at her hospital. Something to do with privacy laws or something. Have you heard of this before???

Subbing... interesting reading, most will apply to me very shortly. How on earth these companies get away with this carry-on is beyond me.

In my experience they don't have to accept it (although do keep paying your £1 or whatever to show willing). They can still add on default charges and missed payment charges and interest so making your £1 turn into a drop in the ocean. I have had this trouble especially with Littlewoods. I sent them income and expenditure form via the CCCS and they still apply the charges £30+ a month all told. this is why I have had to pull out the big guns on them.

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I am fast at typing so sorry to all for the lengthy post Again. I take on board your points and you obviously know alot about the procedures at hospitals. The doctor that told the nurse to give my dad the drugs was told to do so over the phone from a Doctor more than 20 miles away at another hospital. Also the antibiotics he had given to him by the nurse were not given by drip as I stated above (not to familiar with the terminology) but with what my dad discribed as a "comedy needle" or "joke shop needle". *Augueriblm* (co-ofloxiclow) is the name of the drug. My father had a tetanus last november and he has also been administered the exact same drug by his GP a couple of times in the not to distant past with no reactions or side effects. In regards to the bite it was a nip more than a bite but it was the location of the bite on the end of his thumb so I suppose they have to be careful with things like infection etc but then on the back of that the ward nurses had forgotten all about it and due to lack of communication there are putting peole at harms way. I don't blame them in particular and 99% of them do a blinding and extremley tough job but there are always a few in every work place who preform oversights on a regular basis. Whether they thought he was going to die or not they still made him ill by administering the drugs in a higher quantity than was prescribed. The nurse in question was pulled to one side as it all started to kick off and one of the senior A&E doctors made him scurry off sharpish. The next day the same nurse came to the ward and apologised to us all and said he felt guilty because it was him that made my father sick but he had only been following instructions...then he left. ** It is the dr who prescibes the drugs not the nurse, I'm confused here as the nurse could not have come back with the correct drug unless this was prescibed. Exactly they all got it wrong. The ward doctor or whoever was giving the instruction to administer more of the same. My dad (as ill as he was) refused and then the nurse must have gone and spoke to the ward doctor or whoever and come back with the correct treatment. These are the things I have asked the NHS to explain to us. Just an update since I written the letter origionally, my dad is in the early stages of liver failure due to this. He goes to hospital one day full of life and with not to many health complaints to a week later looking ill and with lots of health complaints. I think anyone reading this can agree that they messed up somewhere it's just unlucky for me that it was my father instead of someone elses (not that I wish it on anyone. When I get a response I will update on hear for a bit of advice.

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Here are the details of the complaint. It is pretty complex as it involves alot of different doctors and a couple of hospitals. I sent them this asking for an explanation This is only part of the letter and I have put alot of stuff into laymens terms to make it easy on the eyes. You couldn't make this stuff up and for me and my family it was a very traumatic time. it is a bit long so here is a shortened version. (I have changed some details) My Dad was bitten on the thumb so went to A&E moments later expecting to receive tetanus and a couple of stitches, and then come home later that day. The nurse who was seeing to my Father contacted another Hospital to see if my father could go down as an outpatient to receive his stitches from one of their plastic surgeons. The nurse was apparently instructed by the plastic surgeon at another Hospital to give my Father an injection before he attends to receive his stitches – (He was not given a tetanus at this time). The Nurse then went on to administer the injection as instructed by the doctor (who hadn’t himself seen or spoken to my father) and upon seeing the amount / measurement of liquid / drug in the syringe which they planned to give him intravenously, my father at first refused this amount and said “I think there’s too much stuff there; you’re going to give me too much”. The nurse said he had been told to give my father the injection before he goes to other Hospital as an outpatient and the nurse reassured my Father that everything would be ok. Less than 10 seconds after being administered with the drug my father had to be rushed to the Resuscitation room where he had to be cut from his clothes and wired up to numerous monitors and life saving devices. They obviously thought he was going to die at that point. My father lost all bodily functions (toiletry functions etc) and spent the next 4 days in hospital in a very bad state for what should have originally been a quick trip to the hospital for tetanus and a few stitches for a very small dog bite to his thumb. He is still to this day very ill and getting worse. When we first spoke to the doctors at the hospital about that had happened an hour or so after my father was rushed to Resus, they said that he had an allergic reaction to the drug that was administered. However, upon speaking to my father’s GP, he assured us that my father has had the exact same drug (in what we feel are much lower and normal amounts) several times before so we don’t feel he was allergic to the medication as the hospital claims, but was given too much of the drug or the wrong drug, which a nurse was allegedly instructed to do so by a surgeon at another hospital more than 20 miles away. The next morning, still at local Hospital - the day after my father was been given the drugs, he was still an inpatient and very poorly. My mother received a call at home from 2nd hospitals outpatients department asking can my dad come in to get his stitches. My mother went on to inform them what had happened to my father and they were completely shocked and said that it was the first they had heard of it as they was under the impression he was an outpatient (walking wounded), just waiting to come in and get his thumb stitched and bandaged. We had been reassured on the evening of the 4th February that my father was to receive no more of the same drug / injection (and this is something that we insisted on also) they had given to him. However, on the morning of the 5th February another nurse tried to administer the exact same drug (albeit a much less amount) but luckily my dad refused to be given the treatment, and was so scared and completely terrified by this that he told the nurse to go and double check his notes and make sure he is giving him the right amount and type of medication. The nurse went away, read his notes, and then came back and apologised to my father. He then administered the correct treatment. Just imagine if my father had been unconscious or asleep and that this nurse hadn’t read his notes (which he didn’t) then my father could have been seriously ill again or even worse. It isn’t my father’s job to make sure the nurses at the hospital give him the right medication especially when he is already very seriously ill through no fault of his own. On the 3rd day in the hospital my father was moved to one of the regular wards. When we went to visit him that evening, we asked the ward sister how my father’s thumb was because we were aware that the bandages had not been changed, and that his hand was really swollen. The reply we got was staggering to say the least. The Ward sister replied “why what’s wrong with his hand we thought he had an allergic reaction to some medication”. This was absolutely appalling. We then went on to explain to the nurse why he had originally came to the hospital and that fixed that problem. They then re-bandaged my father’s hand and cleaned the wound which is lucky because it had now become infected and would not have been dressed or cleaned for days if we had not brought it to the attention of the staff... My father now has growing liver problems which he is looking into with his GP and he now has to go for a liver scan (ultra sound) to test the severity of the damages to his liver which we feel is a direct result of being administered the drugs that day. My father has NO history of liver problems before he went to the hospital on the Wednesday 4th February but now he does – He hasn’t drank alcohol since 1974, he is a strict vegetarian and eats healthily, and since his visit to A&E he is a complete shadow of himself. He is constantly cold, has sleepless nights and nightmares. He feels poorly all the time, he doesn’t go out and walk his dog or ride his bike like he used to and he is most definitely terrified of being given any drugs or medication at the hospital. I was told on another site last night that they have 25 days to sort stuff out but on other occassions this can take longer. It is now nearing the end of May and I have not heared anything from them.