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    • What happened BRS, contacted me after the accident and wanted to repair the damage i agreed i told them don't you want to go through the insurance they said no !. I said ok you can repair the damage, they asked me for more details about the damage so they could post the job on mybuilder.com. Anyway i emailed them giving them details of the damage and they never replied and ignored me.   It was only when i done a askmid and got the insurance details of 2 policies running on the vehicle and contacted Allianz the first on the list, BRS contacted me saying sorry for the lack of communication i went on holiday and left it with another staff member who failed to contact you.   BRS offered to say they want to repair the damage i said "NO" you messed me about the first time and now i want the security of going through the insurance.     I did give them one last opportunity under my terms i told them to pay ***** (fair amount)into my account and that would settle the matter and i would sign a agreement that the damages are paid in full. There reply was "that is not how we do things here and to contact their insurance" and conveniently never gave me the insurer responsible.
    • Check this and read about a Notice Of Correction     
    • There can be many reasons for dual insurance, depending on the use of the vehicle, certain hires, contracts etc, - nothing our of the ordinary there, just get the firm to confirm which one, as above don't let them dictate, they are in the wrong.    I would use you own insurers , and always advise this in cases where there is an impact claim for a  wall or similar.    Reason being is the third parties liability is for indemnity only which realistically is to pay for the damaged part of the wall and that only, they don't even have to pay for a builder, just the cost to repair, leaving you to deal and fend for yourself.    Your home  insurance cover will be on a new for old basis, giving further allowance if there any grey areas in regards to block matching, matching items (say for the welding) potential wear and tear contributing etc,    - more chance of getting more of the wall done than just the section that is damaged - plus it gives you a much better right of recourse if anything goes wrong, especially if you get a cash settlement or they use dodgy bob the builder.    Your insurer will want the third party details and will chase the responsible underwriter for their recovery, you may be able to piggy back on that. The reason for their hesitance in confirming about claiming back the XS will be due to the fact they are a home claims team and don't do an awful lot of recovery of losses compared to a motor claims department, and generally don't have as much experience on a day to day basis (or certainly not the front line staff). 
    • Give them time-amoebas are a little short on brain power to work sarcasm out. I wrote a letter similar to yours to Parking Eye and they wrote back to confirm they had received my appeal! 
    • considering it expires in Jan 2021 it looks like it has 2 insurances policies running on it at the same time, What a farce! each insurance company could blame one another this shouldn't be legal, but it looks like it is.
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Duty of Care ?

Negligence or Not

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Can anybody please offer some advice re medical negligence. About two years ago I started to suffer from incontinence. I had never given birth naturally and it didnt seem to occur in particular when I coughed or sneezed, it was just fairly constant. Fortunately, I had Private Medical insurance in place so I consulted a Private Gynaecologist. This is the guy I want to complain about. He was so pre-occupied with himself and his next holiday that he never listened to me. He told me that I was getting on (45) and that these things are the consequences of age and that girls much younger than me had similar problems. He first tried tablets which had no effect and cost a lot of money, when this didnt work he tried more tablets of the same kind, again these didnt work and cost me each time. He then did various tests which were excruciatingly painful because they consisted of filling my bladder with water to see how much it could retain. It could hold very little and the experience was extremely painful. Various tests all supposed to prove that I had stress incontinence...which again as far as I am aware relate to passing urine when you cough or sneeze, not a constant drip.


The next thing he did, was insert a TVT sling - he told me my bladder had collapsed and this would support it. No effect whatsoever, it didnt work. When I went back to him and told him within a week, it hadnt worked, he told me I had to give it time - despite the fact I had read up on it and discovered if it was going to work it would work straight away and if it failed it would also be immediate.


This guy was clutching at straws...I went to him and asked if my weight could be the cause of the incontinence. I was about 9.5 stone nothing excessive...and he then suggested I try to lose a bit of weight. which I did, and again no improvement. The next thing he recommended was physiotherapy...again no improvement. So he said...there is really only one option left and this is called Colposuspension. In other words he was going to open me from hip to hip and stich things back into place.


I didnt trust him, I knew he was clutching at straws and he wouldnt listen to me when I tried to tell him about other symptoms. He actually told me that if I had "other problems" that I should go back to my GP and ask to be re-referred to him! We were here just to sort out the incontinence.


I phoned my PMI provider who told me I could go for a second opinion which I wish I had done straight away - I poured my heart out to him and broke down in tears in his surgery with the exasperation of someone who actually listened to me and seemed to think this was not normal for a healthy 45 year old. Wihin ten minutes and a basic manual examination he discovered the existence of a large fibroid protruding from the uterus and pressing against the bladder. 24 hours later it was removed and guess what...hey presto...no more incontinence.


Naturally I am extremely annoyed at the first gynae and sought legal action. The solicitors requested an "independent report" from another gynae and he has backed up everything the first guy did. They probably drink in the same Gentlemen's club together. I think that the expectation of duty of care in a private consultant should actually be higher because the customer is paying for the treatment. There must be a way that I can challenge this ? I lost so much during the time I had this problem. My business went down the pan because I couldnt function normally. I had many many embaressing situations and I felt like my life was over. If anyone can offer any advice on this I would be eternally grateful.

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I'm sorry to hear about your experience.


How is it that you came to use a private doctor? I believe that there is not, at this time, an independent complaint handler for private healthcare. However, you may be able to complain directly to the GMC, presuming that this doctor is registered. They cannot help you with compensation claims, but if found guilty, he hopefully would be prevented from practising in the UK.

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