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About Me


  1. My elderly mum 76 was very ill so I made an emergency GP appointment for my mother. I suspected she had pneumonia she was finding it difficult to breath, had immense aches and pains she was vomiting throughout the day. She was unable to stand up herself and was on the verge on collapsing. She had visibly got worse and worse as the day professed. Me and my brother struggled to get our mother into the car to get to the GP. My mother was in immense pain it was terrible. She was made to wait in the GP's waiting area for at least 20mins in great pain and
  2. Hi All, I am a really, really irritated with Amigo loans right now. Each month, I go a week overdue on my loan, because they will not allow me to move the payment date back to the end of the month. I get a mound of emails, letters, texts and other crap each month, as does my guarantor. As usual I got all that this month, but an error on their website has prevented me from paying, not me. I have communicated this to them, but the 'account manager' ignores these emails, yet she has the time to email me and my guarantor threats still telling him soon he will pay. Can
  3. I used to send complaints to the OFT, Consumer Credit Fitness Department, now everywhere just seems to refer you to make a complaint to the Debt Collection Company themselves, then after months of waiting for a final response go to the Ombudsman. Can the Ombudsman fine them, revoke their license or order them to comply with something? If not, who can now the OFT isn't dealing with this? Who monitors if they are behaving lawfully and in accordance with their license terms etc.? I have found the Ombudsman to be a joke in the past and they usually just return everything to me and t
  4. Hi all. A long story cut short - over the last few years I have never enjoyed picking up medication from our local Doctors surgery, which is a small branch of a bigger surgery, because of the awful service that you have to put up with - very slow service, pills almost always being mislaid or sometimes not being able to be found with a request to 'come back later'. I finally had enough last September when a I was waiting for over ten minutes for an employee to find my pills when I was in a rush as I had a busy day ahead of me, I phoned the main surgery to question why this was always
  5. Hi, I paid off my QQ loan(finally)not that long ago. However, I had been stuck with it for about five years (taken out in Nov 2010)- Rolling it over every month as I couldn't pay all of the balance and the interest - I'm sure you know the story. it amounts to in excess of 50 loans (it rolled over every month for years). I was overdrawn at the time and struggling to pay other things so desperation set in and I took out the initial loan. I don't think they should have kept lending, clearly I was pulling up as new loan to pay off the old and in the end I
  6. So as the title say can they refuse permission? Do I need their permission? It's regarding a loan I took out in 2011. At the time I had already been using payday loans since Oct 2011 several times a month with several different companies, rollovers, same day borrowing, several on the go from different companies and at the time I took out the loan I already had loans outstanding with 6 other payday loan companies and it far outstripped my income leading to a default on the all in April 2011. I contact CFO 2 weeks before repayment and they refused a repayment plan telling me that they
  7. I think I have just suffered appalling treatment from the NHS 111 service. I say think because I´m not 100% well right now and perhaps I am getting confused. Please bare with me whilst I relate my sorry tale and tell me if you think I am being unreasonable in complaining. I had PTSD some while ago, and am over that but it has left a few peculiarities such as panic syndrome and chronic sleep disorder. I am currently having a problem with my toe and foot. I have managed to survive the CT and angiogram last Thursday. I panic at anything medical. so my doctor gave me temazepam in p
  8. Hello and thank you in advance for any help you are able to offer. My complaint for mis-selling of a Principles Card in 1989 was upheld by Santander, but an offer of £1 has been made as they have no records prior to 23 July 1996. Does anyone have any advice about how I should proceed? Do I refer to FOS? I doubt I can obtain evidence from Nat West as I do recall payments were made by DD. I also recall I took out a loan in 1996 from M & S to repay this credit card, but I doubt that would be of any use. Advice needed - thank you.
  9. Just wanted to share this with you guys In November my parents wrote to Barclays instructing them that as from February this year they wanted to cancel 2 direct debits, for TalkTalk and Sky, as they were coming to live with us. They also went into the local branch and explained what they were doing. They are both 82 years old and believe in doing things 'properly' which means writing 'proper' letters. long story short - the bank cancelled DD's with immediate effect which meant both companies contacting them repeatedly to demand payments. (They have never missed
  10. Does anyone know if there is a correct way to raise a complaint about the way ATOS have handled my assessment? I've been messed about from the beginning, finally got a home assessment booked for just before Christmas which they then cancelled less than 18 hours before the time. They sent me another date for 3 weeks later but I'll be in hospital recovering from a major op a few days before then. Phoned and explained, had to 'request' a call back from a supervisor, explained it all again the next day and the upshot from this is today I receive no less than 4 letters. Two are
  11. Citizen's Advice believe that the majority of payday loans could be complained about; their in depth analysis of 665 payday loan cases, reported to its consumer service between 1 January and 30 June 2013, finds that at least 76% could have grounds for an official complaint to the Financial Ombudsman including: 1 in 5 were possible cases of fraud – where a person was chased for a loan they hadn’t taken out. More than a third involved issues with continuous payment authorities including money that was not authorised to be taken. 12% involved harassment whereby lenders pester people with
  12. Angry customers of NatWest and RBS are reporting serious problems accessing their online accounts, with many taking to Twitter on Friday to accuse the accident-prone bank of another IT disaster. The latest IT problems emerged as customers tried to access their accounts and make payments, on a day that is payday for many people. NatWest said it is investigating the issue, but had no other statement to make. It told customers over Twitter: “We are aware of an issue with our online banking service, our tech team is looking into this as a matter of urgency.” But coming so soon
  13. Ok a quick scan on his forum says I'm not alone but here's my story - just wondering what the best set of steps is, i.e. complain to NPOWER even though I'm not a current customer, raise it with the regulator, or other options. I was with NPOWER until December 2014. I paid my bills on a monthly direct debit budget scheme. When I switched suppliers I very kindly received a cheque from NPOWER for the balance on my account and thought that was that. Of course I then got bills, lots and lots of bills with lots and lots of amounts. It took them, in my opinion far to long
  14. Hi all - I hope someone can help with this query - thanks in advance for any advice! My situation - I've been on a Debt Management Plan for a few years and use one of my two bank accounts to make the payments. Last summer while I was making my usual DMP payments I noticed online that an overdraft facility had become available on that account, interest free for a year. I thought it'd be a good way to help pay off the few creditors who were still charging me interest, including a couple of payday loan firms. The problem is that in the coming months every time I clicked on the overdr
  15. I've just sent a complaint to Lowlifes regarding not updating the balances on my credit file for accounts they hold, my basis being that this could be detrimental to my ability to obtain employment and/or credit etc and that under the ICO's “Principles for the Reporting of Arrears, Arrangements and Defaults at Credit Reference Agencies” they clearly fall short of ensuring that the information is "fair, accurate, consistent, complete and up to date. “ . No I don't honestly expect to get far with the actual complaint but it will hopefully use some of their resource to address the
  16. I am absolutely mortifed to have found out that Trade Unions are not regulated. I have spent several months pursing my complaint (complete farce) with a particular trade union to now be informed that it has reached stage 3 and I can take it no further. What can I do? Any suggestions please.
  17. Can anyone please help me. I have been advised to make a written complaint to the bank who gave me a considerable amount of money as a personal loan in 2006. I don't have a clue where to start. Thank you
  18. I have recently used the services of an 'independent debt advisor' who dealt with my bankruptcy and my wife's debt relief order. I paid him all the necessary fees (including the fees for the bankruptcy and DRO, which he suggested I pay to him then he will transfer it back to me when needed) The bankruptcy has now been dealt with and finalised (after a lot of chasing) but now I need the fees for the DRO that I paid him (£95) he is not returning my e-mails and hasn't repaid the money. Who can I complain to about this as the FCA and FOS only seem to deal with the
  19. Hi. My ESA was recently terminated as atos said they had a telephone conversation with me during which I refused to attend a wca meeting. I am in the process of obtaining my phone logs which will prove them outright liars, but I'm not happy about complaining TO atos ABOUT atos! Is there an independent agency I can address these complaints to? Their decision was overturned, but I still want to complain officially. By the way, since my claim has been reinstated, I am no longer on the 'enhanced' rate of payment. Anyone know anything about this?
  20. Hi I phone office of fair trading to complain about MMF. I only got the word motor out the lady finished off the company name. I did not even tell her what it was about and she told me to put in a complain in an email. when asked if it was worth a big YES was the reply so complain this way they will be stopped enquiries@oft.gsi.gov.uk.
  21. Im trying to find a section to help me with a serious Court matter I need to make a complaint about a Court where I have serious concerns where court staff are personally helping the defendant. I am being prevented from getting justice access to clarity from the judges direction and all sorts of delay tack ticks. It may seem to hard to believe but I have evidence of all this and need some serious advice If there is a topic for this I would like to post more about my attempts to complaint and get justice for theft.
  22. I was on ESA for around 2 years, and had to attend a programme at a local training/employment provider. I attended once, filled in their assessment, and spoke to one of the members of staff - who, after being quite rude, softened up when I showed her my CV and spoke about how much I actually wanted to go back to work... but that my doctor was strongly advising me against it. She told me not come back. This suited me as I've never been so disgusted as when I went in to their offices, saw them joke about clients and their poor circumstances, and threaten them when they asked for help.
  23. Could someone explain where a complaint against a possible breach in DPA should be addressed to? I am being subjected to a local harassment campaign in which the perpetrators claim to have 'a friend' on the inside of the DWP who has told them that I am 'known' to them. This has now escalated to saying that they have run a check on my bank accounts. I'm after the DWP investigating whether any of their staff have been looking at my file without good reason but I'm unclear as to where to address the request to. I gather this is a necessary first step before escalatin
  24. Okay, this is what happened - Apologies if it's a bit long! I phoned my GP Surgery to see about getting a prescription renewed and the Nurse said she would 'squash me in' to see a certain GP - ''....but he won't be pleased at having an extra one....'' (her words). So, the minute I walked through his door, I sensed he wasn't in a good mood (at having an extra patient maybe?) Boy was I right! I quickly spoke about my repeat prescription review - I didn't want to take up too much of his time and then when he said '' is there anything else...'' I mentioned that I might
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