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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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akash.vardhan

Unsecured Personal Loans from UK Banks but now living in India

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Hi Experts,

 

I really really need some advice about my UK debts. Here is my situation:

 

I was living in United Kingdom for over 4 years on work visa. In the begining of 2010 I took 2 personal loans from Halifax Bank (£ 22000) and Tesco Personal Finance (£ 15000) I also had a Capital One and Halifax Credit Card with over £3000 outstanding. My younger brother had a loss in his business and I had to help him out come out of debts. All this money was spent in helping out my younger brother.

 

Unfortunatley I was made redundent from my job in UK and could not find another job. I had to come back to India 2 months ago. Before coming back to India I had repaid for about 3 months against my Personal Loans and minimum payment against my Credit Cards.

 

Now I did not inform my banks/tesco etc. about my relocation to India. I have not paid them for the last 2 months. I have also been struggling to find a job in India now.

 

My questions are following:

 

1. Since I don't have any asset in India, can UK banks/tesco etc. chase me and take me to court in India.

 

2. What will happen now when I am living in India? Will they be coming to me through some Debt Recovery Agency?

 

3. How can I settle these loans/debts with Halifax/Tesco/Capital One? (As i don't have any job or means to pay now)

 

4. Can I declare myself bankcrupt so they don't chase me?

 

Please help.

 

Thanks

Akash

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1. Since I don't have any asset in India, can UK banks/tesco etc. chase me and take me to court in India.
If they knew where you are they could try.
2. What will happen now when I am living in India? Will they be coming to me through some Debt Recovery Agency?
As above, they will probably inundate you with letters & threats of things they cannot do.
3. How can I settle these loans/debts with Halifax/Tesco/Capital One? (As i don't have any job or means to pay now)
If you have no job and no income you can't.
4. Can I declare myself bankcrupt so they don't chase me?
Yes if you wanted to.

 

Have a read through these two threads;

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?250889-Can-I-Be-Sued-For-An-Overseas-Debt

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?255040-Declaring-Bankruptcy-In-The-UK-If-You-Now-Live-Abroad


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.

 

Vir prudens non contra ventum mingit

 

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17 Port & Maritime Regiment RCT

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Hello Akash,

 

What is you situation now? I am also in similar position, I am not sure waht to do, i have 31K of debts in UK and woring in India. Did you sort out debts? if so how did you sort out?

 

Regards,

Kumar

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Guest unfairdismissal

Hi..i am think of doing some adventure..some advise please...i am on tier 1 ..will have to pay £5022 for visa ext and in mid of getting sacked by my employer...which bank u got such huge loans from and what reasons u gave for getting the loan? did u get response from akash?

what happened in 2 years..did someone around u came to know.any social stigma.did u face any problem getting IT job...

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this thread is 2 yrs old.

 

little point in posting here

 

start your own thread

 

there is a video below

if you are having troubles in starting one.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 2702 days.

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