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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.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
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      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
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      • 16 replies
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Hi,

 

I'm new to this forum and would welcome any advice. I'm trying to find some information on behalf of my neighbours. They are both in their late 60s and had building insurance with Abbey National (Santander) for over 30 years. When they came to make a claim, it was not easy. The loss adjusters were Cunningham Lindsey who were not competent or helpful. After much argument they placed my neighbours in alternative accomodation for two months and then told them to go back to their home claiming it was habitable. My neighbours complained directly to the CEO of Santander. He did not even bother to acknowledge their reply. It turns out that Santander have nothing to do with the administration of the policies they sell. That is the job of Aviva. Aviva asked a Cunningham LIndsey surveyor to visit the property. He declared it uninhabitable.

 

Aviva have now offered my neighbours a food allowance (£10/day) and a disturbance allowance (£5/day). I've tried to find out whether these are the sort of rates that are offered by insurance companies to their customers. I've heard from others that some insurance companies offer much more in terms of food allowance.

 

Does anyone know how much insurance companies offer by way of a daily food allowance and a daily disturbance allowance?

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Hello and thank you for joining CAG. I hope someone will be along, either a fellow cagger or maybe an Aviva person, to answer your question.

 

HB


Illegitimi non carborundum

 

 

 

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So where are your neighbours now? Back in rented, a hotel/B&B or in their own uninhabitable house?

 

This is relevant to whether the £15 each per day is adequate.

 

Sounds like the loss adjusters have not been very competent, so this where the complaint needs to be addressed to. The Insurers use the Loss Adjusters to manage the claim, so if they are not doing this in a professional way, then personally I think they should ask to speak to the Loss Adjusters manager.


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So where are your neighbours now? Back in rented, a hotel/B&B or in their own uninhabitable house?

 

This is relevant to whether the £15 each per day is adequate.

 

Sounds like the loss adjusters have not been very competent, so this where the complaint needs to be addressed to. The Insurers use the Loss Adjusters to manage the claim, so if they are not doing this in a professional way, then personally I think they should ask to speak to the Loss Adjusters manager.

 

I think they are staying with friends or family. They are not having to pay any rent. It

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Under their policy they should be able to claim for having alternative accomodation. Even if they are staying with family/friends, they should be able to get some allowance for this.

 

So I would think the £15 a day is ok, provided that they are paid an amount for the alternative accommodation. The Insurers should not be relying on the charity of friends/family, as if the family/friends could not put them up, the Insurers would be paying to rent a house or for hotel/B&B.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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