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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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      I was in Sainsbury’s today and did scan and shop.
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Guest Cartaphilus

Debt Managers Ltd ... say I've not paid them!

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Guest Cartaphilus

If I wasn't fed up with DCAs before enough I am now!


The above lot has now written to me claiming I've not made them any payment. All except I sent a payment to them before the date of this letter by recorded delivery. Rather strangely, though, it's not showing on track/trace (though that may be due to the bulk signing issue, I can try and check that with RM directly with that department later) and there is no good reason it would not get to them given previous correspondence were sent to the same address, signed for. Nor has my payment been cashed. Ironically, their letter however is dated approximately the same time as a RD item would get to them ie one day to the PO box then another to get delivered to the actual address.


I had this rigmorole with a previous DCA several months whom I was paying by standing order. Not so, according to them!


They are now saying I must pay them arrears or it will be referred to their legal department in the usual intimidatory bold and capital letters.


In none of their previous letters have they also indicated a date by which to pay per month and have supplied a rather pretty useless one payment slip to do so via a bank I don't bank with, thus incurring charges if I paid there. However, a month hadn't elapsed since my last payment so I know I sent it in good time.


Sorry for going on. What can I do about this? I really don't want to go through the fun and games of several months ago with that other DCA despite myself having the proof of payment then getting letters every other month claiming otherwise. It's not a CCA solved issue unfortunately, which is why I am making payments.


If they are receiving my payments then simply not cashing them what am I supposed to do?

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Best to get the proof from RM that it was delivered. Then send Debt Missmanagers the evidence as part of a formal complaint and ask what they are playing at. If they continue to mess around, inform them that you'll be charging them £25 per letter for your time and material costs. Then if they fail to pay, start a claim through the courts.


Been doing this with a DCA over the last few weeks. As soon as they owe me £150 the court claim goes in + costs.

These are video links to show how I deal with Debt Collectors.


Fly fishing for C.A.R.S



Frederickson International don't accept my card type


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Guest Cartaphilus

Will try and get it somehow. I have an email address which goes straight through to the bulk team, hopefully they will confirm receipt; hoping that email still works, too, as not used it in a while.

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How did you make payment, cheque or postal order? You can check to see whether they've been cashed.

Anthrax alert at debt collectors caused by box of doughnuts


Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.


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17 Port & Maritime Regiment RCT

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Guest Cartaphilus

Cheque. Not cashed according to my bank. Though I know that means nothing, they may still have received it but not cashed it. Yet. It's actually the third DCA that has done this now, the first I got the FOS involved, had the bank stamped/dated payment slip. According to the DCA concerned having a bank stamped/dated payment slip showing payment wasn't proof of payment. Hmmm. :rolleyes:


Going to try and see if I can get confirmation of receipt.

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Guest Cartaphilus

Well, that is strange. As in 'what's going on?' I've now had a reply to my email, they say they can't find it on their system or find it manually. Say I have to phone customer services to get it investigated. Thing is, I was given this email address by someone because PO box bulk signed for items don't always show up on the customer services systems.


Edit - which now also means I will have to make a payment in the bank now anyway as posting things to them ... seem never to reach them. I shall continue to inquire/enquire of RM.

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Guest Cartaphilus

He he ;) Not that I needed telling but they obviously read my post on here this week. Given the reply I had and it's contents. ;)

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