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About lancslucy

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  1. I'm very surprised your vets initially refused to let you have the x-rays. The RCVS Code of Professional Conduct states: 13.6 The Data Protection Act 1998 gives anyone the right to be informed about any personal data relating to themselves on payment of an administration charge. At the request of a client, veterinary surgeons must provide copies of any relevant clinical and client records, including radiographic images and similar documents. As regards the quality of the images, does the practice use a digital processor? If so, ask them to save the images onto a disc for you. It's easily
  2. We will write a prescription for one month of meds, but allow it to be repeated x number of times up to the time of the next check. I think it's reasonable to charge a fee for a written prescription - we charge £10.20. When pet owners compare the price paid at their surgery for prescription medication to the price they can purchase for online, I can understand the initial reaction is vets being greedy and over-inflating their prices. Yes, POMs, food etc. are marked up - the same as all retail products are. The overheads of an online pharmacy are a fraction of those of a bricks-and-mortar
  3. I keep getting spam texts off Brisk Buck offering me the exciting opportunity to take out one of their very reasonable loans. This text comes through as 'BriskBuck', does not give a number, cannot be replied to, and does not give the option to unsubscribe (not convinced I subscribed in the first place). It does, however, contain a link to their website. Unless I'm missing something, their website has absolutely no way of contacting them. There's no email address, phone number, postal address, and I can't see any registration details e.g. consumer credit license etc. They also claim
  4. Made a small donation - like others I do wish I could afford more. Sincere condolences - Martin's good work lives on in this forum.
  5. Thanks for the suggestion, I'd never thought of a communal area. As it's only one flat (the upstairs flat is owned separately and has no access to the garden) I'd always assumed the garden is entirely private and not communal.
  6. Thanks for your reply, I agree what you suggest is a good way of phrasing it. Trouble is she's quite a stroppy/pushy woman and a few years ago when I tried to discuss the fact that she'd thrown away some used gro-bags from the garden despite me telling her I didn't want her to (sounds petty, I know, but they were my property and I was going to dig them into the borders!) she got quite annoyed by me saying so and insisted that she had a right to ensure the property was maintained reasonably! I just left it as I didn't want an argument, but I know that if I do try to have a "quiet word" as
  7. I live alone in a ground floor flat and have been here for about 5 years. During that time I've had an OK relationship with my landlady - she lives locally and has in the past called round as she's walking the dog etc., and certain repairs that should have been carried out haven't been completed, but for the sake of maintaining a cordial relationship I've put up with this. I always pay my rent on time, I'm in stable employment, I don't have wild parties, and the flat upstairs and next door have been up for rent many many times during the period of my residency, so generally I think my landlady
  8. Totally agree Brigadier, however would the Police care? Having read other threads on here, the rozzers seem to take the line that "you owe the money, tough!" I am, however, going to contact the OFT & TS. My concern (which I'm sure is shared by others receiving these disgraceful texts) is that I am in debt, and if I kick up a fuss I might discover just how low these jokers will go. If I'm trying to get them to accept fairly low payments (being all that I can afford) they're going to make it even more awkward for me if I drop them in the proverbial over this text. Ah well, I suppose if
  9. Thanks all for your replies. I'm encouraged that you think it's worth reporting to TS & the OFT - I'll let you know if I manage to get anywhere. I really resent the intimidatory tone of the text. I worry that someone who might not be able to see through it for the crock of wotsit that it is could be very upset by this.
  10. Yesterday, I received this text message: REMOVAL: lancslucy, I am due to CALL to your address NOW! To STOP ACTION call 01617381201 to make a token payment TODAY! Tyson McKenzie . CASE ID 6**** I can't reply as there is no 'valid recipient' - it doesn't come from a number that's displayed, just REMOVAL. Suffice to say, no-one turned up. I'm not the sort of person who is easily intimidated, and I spend enough time reading CAG posts to know this joker has no power to enter my home or seize goods. However I do find the tone of this message needlessly threatening. I know it doesn't e
  11. I have received a letter addressed to me, marked private and confidential, but to my work address. It was handed to me by my line manager this morning. Aside from the issues surrounding my employers opening all post received, regardless of whether it's marked personal, private and confidential or whatever, I am absolutely fuming as I believe this was a deliberate move to embarrass or shame me into paying whatever it is they claim I owe. I don't actually know which debt this relates to, as my finances are in a very tangled mess, but my plan over the next few weeks is to look into the vario
  12. Smile. And yes I have proof I cancelled the card - they emailed back and acknowledged the cancellation! I just cannot understand how they could authorise the payments. It's not even as if it was just one compnay trying it on with small amounts, which PDLs have been known to do. £425 is a massive amount, especially when there is a balance of zero and no overdraft in place! I've had my card declined when for tiny, tiny sums - so why did they suddenly decide to pay £425 to this company? ridiculous. I just wanted to hear that other people felt that I was right in what I thought, that these payment
  13. I think the payment was made by debit card - there was no direct debit ever arranged for Month End Money. My bank statement doesn't specify however, but there is no direct debit arranged for them and the one that was in place for the other PDL was cancelled a few weeks before. My card was cancelled online and so a record exists of this and also an email confirmation of this request. I haven't received a new debit card as my bank won't issue a new one while my "unauthorised overdraft" exists. So basically if I can prove I cancelled the card, is it true that my bank did not have my aut
  14. Hi guys, I had loans with Pay Day Express & Month End Money. I knew I was going to be unable to afford the scheduled payment and would need to default, so I cancelled the direct debit set up by Pay Day Express and cancelled my debit card. I left my current account balance at precisely £0.00, and started using a basic account from another bank for my day-to-day banking. Imagine my suprise when, 2 weeks later, I logged in to my current account to find I had a balance of -£530!! It appears that, on the same day, Pay Day Express took two payments, the first for £15 followed by a
  15. Oh I well remember the ridiculous amount of money I had to pay up front just to even be considered as a tenant! From what I know, Maras will perform a search with a CRA & take up references for you, and advise the landlord/aganecy from there as to your suitability as a tenant. I would still advise finding out which CRA Maras search at, and checking your file for this CRA - it's worth knowing even without the Maras check looming, if there's any risk of your little o/d trouble appearing on there. Be prepared and all that! Good luck with Maras/Lettings Agency - hope you settl
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