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    • Can you ask your GP to get a second opinion on the NHS?  (I ought to know because I'm a retired NHS manager, but worked in mental health where x-rays didn't really feature very much(!).)   Your GP may be reluctant for various reasons but you've got nothing to lose by asking.  Might be difficult if there's only one consultant in that specialty locally.   If that is a non-starter, you could ask your GP for a private referral if any of the relevant specialists run private clinics.  Your son'll get seen quicker and an initial private consultation shouldn't cost more than about a couple of hundred quid.  Then take it from there.   (Emphasise to your GP what your real concerns are and why you have them - even if it's just "I looked it up on the internet and it looks like this which can lead to serious complications.  What do you think?  I'm really worried...")   EDIT:  Just looked on my local NHS Clinical Commissioning Group website and searched for "second opinion" but nothing comes up...  I thought you were entitled to one - you'll have to ask your GP.  Or look on your own CCG site.  Oh - despite being a NHS manager I have paid to see a consultant privately.  £150 well spent - if you can afford it... which I appreciate not everyone can.
    • dont think they are even allowed to offer settlement by instalments, they are not creditors.   read the letter carefully and understand what it doesn't actually say....like the word WILL anywhere.   they,  a DCA, can't recommend anything and their client most certainly wouldn't have disclosed anything to a powerless DCA about what their solicitors might or might not have said to them. and ofcourse a solicitor is in no position whatsoever to suggest to their client they get back to the DCA and tell the DCA to tell you their client will accept instalments!   the letter is a load of ole BS that is concocted by the dca without any input or knowledge of their client nor their clients solicitor...   dx      
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Hello Everyone I am new to this forum so I thought I would say hello :D

 

I have just been hoping this would just go away but it hasnt. I am now getting quite frustrated because I dont know what to do.

 

I need advice concerning a company (Health First based in Southam, a chiropodist) they have charged me for services not received. They are charging me for missing an appointment even though i had canclled it due to my working being reduced to a 3 day week so I couldnt afford it. I was not aware that this could happen, at no time was I made aware by them that it could.

 

They kept on sending invoices to me adding administrave charges, they have now given my details to their debt collectors company called Feet First (Southam) Ltd who in turn have instructed a company called P&J Debt Collection Services based in Hemel Hempstead.

 

They are now threatening me with court action unless I pay the bill which has risen to £169.99

 

I feel that this is wrong I didnt receive any services from Health First and they tried to initally charge me £80.00 for the appointment then they have added on administrative charges rising to £120.00 before handing it on to their Debt Collection companies.

 

I am still on a 3 day week so cant afford to pay for things i have never had.

 

Please can someone help i am so worried and feel sick.

 

Regards

 

Tony

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dca's have no legal powers

ignore them

its just a phishing trip.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Thanks for responding fast

 

So what your saying is even though i have received a letter requesting payment or they will advise clent to issue county court proceedings against me.

 

I should just ignore it?

 

I probably havent made myself clear as usual. I shall type word for word.

 

Letter from P&J Debt Collectors

 

Outstanding Balance of £169.99 Due to Feet First (Southam) Ltd

relating to services

 

We have been instructed by Feet First (Southam) Ltd to recover the above outstanding debt.

 

PLEASE NOTE: PAYMENT FOR THE FULL AMOUNT SHOULDBE MADE BY RETURN OR WE WILL ADVISE OUR CLIENT TO ISSUE COUNTY COURT PROCEEDINGS AGAINST YOU WITHOUT FURTHER NOTICE OR DELAY.

 

Then it goes to say An adverse court judgment could make it extremely ... etc etc.

 

If there is a valid reason for non payment of this account DO NOT IGNORE THIS LETTER. Disputes must be notified to me in writing supported by clear documentary evidence.

 

Yours sincerely

 

Tom Lynet

 

END OF LETTER

 

Sorry for being a complete pain.

 

Regards

 

Tony

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std phishing letter.

 

ignore it.

 

have browse around some threads here

 

you'll soon get the idea.

 

DCA's have NO LEGAL powers..

their letters are littered with the words:

 

if, could, might, maybe, .

 

it is designed to make you 'do something' which leads you to pay them.

 

there is no-way they will go anywhere near a court for £120!

 

also, DCA's have no authority to add ANYTHING to a debt either.

 

ignore.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Thank you very much.

 

Just hope they go away.

 

Cheers

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I dont think ignoring something like this is a good idea.

 

Some companies do advertise they will charge for broken appointments. This is to stop people "just not turning up".

 

If you gave sufficient notice of cancelling your appointment ie at least 24 hours. Then I can see no reason why a charge woud be made.

 

Were you advised at any time that a charge would be made for missed or broken appointments ?

 

If you werent then I dont think there is any way they could charge you.

 

Debt collection agencies are becoming very aggressive in their collection activities, so an initial letter stating the facts to see them off quickly is IMHO a good idea. Something along the lines of..

 

Dear Sir or Madam

 

Fact : Sufficient notice was given that the appointment was no longer required.

Fact: At no time was it ever explained that a cancellation charge would be appplied

Fact: At no time did I agree to this charge, if indeed one was ever mentioned.

 

Yours etc.

 

I would also be checking my credit reference files with the 3 main Agencies in order to establish that no record of a default with this company has been recorded, because this could affect your ability to obtain credit in the future.

 

I have moved this thread to the General Debt forums.


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well its now 6weeks since...

i wonder if the op has got anymore threat-o-grams.......

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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