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    • 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
    • Make a appointment ASAP to see child GP and let them sort it out and not Dr Google.   You may need to see a paediatric orthopaedic consultant for advice, a GP can refer the child if necessary.
    • As dx's post 2 above.  Toilet paper from paper tigers.  Settle back, relax & ignore.
    • Would you be content with the following X-Ray image being explained as a "sprain behind the kneecap"?   My 11 year old son wrapped his leg around the extention of a zip line at the local park a few days ago, then used that foot to hold on to a bar behind him before raising his right leg and enjoying the ride down.   He cannot straighten or bend the knee without pain and the affected kneecap is higher than the other. Following an X-Ray at A&E the Doctor sent us to the fracture clinic.   At the clinic the consultant told us it was a sprain behind the kneecap which will heal in 2 to 3 weeks.   When I pointed out what I thought looked like fracture he said that if this xray was from an adult, he would say it is fractured, but an 11 year old bone growth can present like this. Who am I to argue? If anyone understands how this possible please enlighten me.   Looking at X-Rays online, the condition in the title is what resembles my sons X-Ray the most. And learning that late treatment in children will cause issues with bone growth later on down the road. which is very worrying.   Thank You for reading this far, any opinions will be most welcome  
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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.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 16 replies
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Hi have read around the subject on various threads but wondered if any one had ever managed to get a refund of Life cover for a mortgage.

I remember when I took the mortgage that they advised that life cover was compulsory and the loan was dependant on a mortgage protection policy being enacted. i have now repaid the mortgage and obviously didn't need the policy as I didnt die. Wouldn't this constitute mis-selling?

Edited by silverbreak
typo

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