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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.
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Malaguti33

Help me translate Post Office CC letter please :)

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Hi all,

 

I am currently sending the 'circumstances have changed, pls accept x amount' letter from this excellent site to all of my creditors together with a personal budget sheet.

 

Due to OH having been made redundant last November have told all Creditors that need to make reduced payment for time being which I will increase as soon as I can.

 

Yesterday I received my first response letter for a Credit Card I have with the Post Office.

 

Could someone pls have a quick read through (have replicated letter below) - sounds to me like they're saying minimum payment and arrears or nothing? Am I right and should I now follow that with the 'I'm sorry you feel unable to accept my offer letter'?

 

Many thanks in advance :)

 

Thank you for your recent correspondence. The current balance on your PO CC account is.£........... Under the terms and conditions of the credit card account, a minimum payment of 2.5% of the balance is required each month. The current remaining minimum payment of £.........is due by 07/08/2010. Please note this payment includes two months arrears and does not include the over limit amount of £..........

While the offer of £16.85 per month is insufficient to cover the required monthly minimum payment we would advise that these payments are lodged to the credit card to help the account profile. The suspension of interest and charges on the account can only be reviewed by the legal department. A default notice was issued on the account today (30th July). When this expires, the credit card facility will be removed and the account will then be referred to the legal department. Please note the legal department may refer the account to our solicitors who may instigate debt collection proceedings.

If you have any questions please do not hesitat to contact us at the number listed above.

Sincerely

Signature.

For Manager

Account Management

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I think they're saying only the legal department can suspend interest (and until they do there's not much point paying a reduced amount) but to refer it to the legal department they have to go through the default thing first. I would wait for them to contact you again, but in the meantime start making the payments you've offered.


RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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Hi all,

 

I am currently sending the 'circumstances have changed, pls accept x amount' letter from this excellent site to all of my creditors together with a personal budget sheet. If your accounts get passed to DCA's don't send them budget sheets - they have no right to see them!

 

Due to OH having been made redundant last November have told all Creditors that need to make reduced payment for time being which I will increase as soon as I can.

 

Yesterday I received my first response letter for a Credit Card I have with the Post Office.

 

Could someone pls have a quick read through (have replicated letter below) - sounds to me like they're saying minimum payment and arrears or nothing? Am I right and should I now follow that with the 'I'm sorry you feel unable to accept my offer letter'?

 

Many thanks in advance :)

 

Thank you for your recent correspondence. The current balance on your PO CC account is.£........... Under the terms and conditions of the credit card account, a minimum payment of 2.5% of the balance is required each month. The current remaining minimum payment of £.........is due by 07/08/2010. Please note this payment includes two months arrears and does not include the over limit amount of £..........I take it the minimum payment they have asked for is more than you have offered?

 

While the offer of £16.85 per month is insufficient to cover the required monthly minimum payment we would advise that these payments are lodged to the credit card to help the account profile.What you pay will go to the card! The suspension of interest and charges on the account can only be reviewed by the legal department.So have they suspended interest or not? A default notice was issued on the account today (30th July).Kind of them. :eek: When this expires, the credit card facility will be removed and the account will then be referred to the legal department.Are they cancelling you card? Please note the legal department may refer the account to our solicitors who may instigate debt collection proceedings.Sounds like they are threatening you with a DCA before they are giving you the chance to sort this out!

 

If you have any questions please do not hesitat to contact us at the number listed above.

 

Sincerely

 

Signature.

For Manager

Account Management

 

How long have you had the card, and how far behind with it are you?

 

My interpretation of the letter may be wrong, but it sounds to me as though they are not interested in helping you.

 

Hopefully somebody else will have a better idea of what they saying. :)


:razz:ALWAYS REMEMBER, IF YOU GOT YOURSELF INTO YOUR SITUATION, YOU ARE MORE THAN CAPABLE OF GETTING YOURSELF OUT OF IT

WITHOUT THE HELP OF THE DCA's!!!!!!!!!!!

 

IF YOU NEED HELP WITH UPLOADING YOUR IMAGES THROUGH PHOTOBUCKET CLICK HERE

IF I HAVE HELPED YOU OR MADE YOU SMILE, PLEASE FEEL FREE TO CLICK MY STAR

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Thanks for the quick reply to both of you.

 

Huggys Boss - your comments in read are making me chuckle - needed that :)

 

To answer your question, I am two months minimum payments in arrears (made reduced payment last month and this month) but no more than that.

 

The arrears amount to £98.38 at the moment and I've had the Card since June 2007.

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If you don't want to go down the CCA route (did you apply online?), then I would have to agree with Reallymadwoman, and pay what you have offered. Most of it will be swallowed up by charges, but at least you will be showing willing. At the same time, I would be writing to them again and asking them to explain in plain English what they intend to do regarding you offer of reduced payments. The letter they have sent you sounds as though it was written by a politician as they have side stepped your questions!


:razz:ALWAYS REMEMBER, IF YOU GOT YOURSELF INTO YOUR SITUATION, YOU ARE MORE THAN CAPABLE OF GETTING YOURSELF OUT OF IT

WITHOUT THE HELP OF THE DCA's!!!!!!!!!!!

 

IF YOU NEED HELP WITH UPLOADING YOUR IMAGES THROUGH PHOTOBUCKET CLICK HERE

IF I HAVE HELPED YOU OR MADE YOU SMILE, PLEASE FEEL FREE TO CLICK MY STAR

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If you don't want to go down the CCA route (did you apply online?), then I would have to agree with Reallymadwoman, and pay what you have offered. Most of it will be swallowed up by charges, but at least you will be showing willing. At the same time, I would be writing to them again and asking them to explain in plain English what they intend to do regarding you offer of reduced payments. The letter they have sent you sounds as though it was written by a politician as they have side stepped your questions!

 

 

.....turns out I can't even spell the colour red now....tsk tsk. Well you know what I meant hopefully.

 

Politician, lol I agree! I deal with official letters all day every day in my normal job and like to think I'm not that thick but couldn't agree what they are trying to say.

 

Never quite sure about the CCA route and whether this will actually achieve anything in the long run plus yes I do think I applied online. Does that change the CCA entitlement then?

 

Glad it's not just me. Thanks for advice, will carry on making reduced payments and send another letter.

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Hi Malaguti33,

 

just thought you'd like to know that I'm in a similar boat but a bit further down the river!

 

Have a look at my thread http://www.consumeractiongroup.co.uk/forum/showthread.php?239519-Urgent-Help-Needed!-Bank-of-Ireland-amp-Solicitors&p=2663431&viewfull=1 as we are now in a situation where there is a hearing set for early january, and we've been offered mediation.

 

Cheers

 

BL


Well 6 years on and most of the defaults have disappeared, thank you CAG for a

ll your help

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