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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      
    • The paediatric orthopaedic consultant at the fracture clinic told us today that he believes it is just a sprain behind the knee. I'm concerned my GP will say something along the lines of, 'you have seen a consultant, he says it will heal in 2 to 3 weeks, you don't know more than him!', or something like that. It's just that I believe I can clearly see a fracture. And as there was no fall or hard knock, only a very tightly streched knee bending at an angle behind, with a load. I figured that the temdon must have pulled some bone up. And thats the injury I found online. I totally take on board what you are saying. You are correct. I guess I'll see what my GP says tomorrow, hopefully she allows me to email the images, if she doesent have access to them already. Thanks again
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    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
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      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
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      I feel terrible. I have to declare this to my employer and NMC.
       
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      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
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      • 16 replies
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First of all a big Hello to everybody here. I have been hiding in the wings for a while now, and have decided to register.

 

Anyway, i really need some advice on what to do.

 

A little background information.

We run our own business, and it is doing very well. The problems i have are my outgoings are more than my incomings, this is due to debt carried over from another business that i had.

 

Un-Secured Debt

 

CC debt is £37,000, some in my name, my wife's name and in my mother in laws name.

Loans totaling £30,000

Business O/D from old business £16,500

Personal O/D total £2,750

Loan in MIL name £7,500

And owe about £5,000 in money lent from family.

 

Secured Debt

£50,000

 

Also have a van lease that is paid monthly, insurance policies, utilities, ect ect on top.

 

I have at the moment about £35,000 equity in the house, after the mortgage and secured debt.

 

We have let two staff go, and i am currently doing all the work, 6-7 days a week, while my wife runs the office.

 

We are always treading water, and to be frank have had enough. We always manage to move money around to pay things, so credit rating is good, but we can not carry on like this as we can not see a light at the end of the tunnel. I know its all our fault, and we only have ourselves to blame for the trouble we are in, just wish i had blown all the money on holidays and nice things, but we haven't as its all been used to keep the business running.

 

What is the best way to sort this out? Ideally we would like to keep the house. We don't want to go the Bankrupt route if we can help it, so would an IVA be the best option?

 

Any advice greatly appreciated.

 

CB

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Hi Creme Brulee

 

Welcome to CAG

 

I think you'll find that people hear aren't out to judge folk, only help them

get back on track. Other's will be along to advise. What you could do is

claim back any Penalty Charges with interest, also have you been mis-sold any PPI that you could claim back. You can claim these back for at least 6 plus. You just need to obtain bank statements. The other thing you could do is send CCA Requests to establish if the agreements a enforceable, if they aren't you could put the credit card account in dispute.

All templates are found on this website with spreadsheets.

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Hi Creme Brulee

 

Welcome to CAG

 

I think you'll find that people hear aren't out to judge folk, only help them

get back on track. Other's will be along to advise. What you could do is

claim back any Penalty Charges with interest, also have you been mis-sold any PPI that you could claim back. You can claim these back for at least 6 plus. You just need to obtain bank statements. The other thing you could do is send CCA Requests to establish if the agreements a enforceable, if they aren't you could put the credit card account in dispute.

All templates are found on this website with spreadsheets.

 

Thanks for the reply Rebel11.

 

I think i only have one or two credit cards that were taken out previous to 2007, but i will have a look and double check.

 

CB

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