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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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    • 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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      • 16 replies
reacher51

Post Office Insurance-£20 charge for failed DD.

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3326 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

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Thank you

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hi'

first of all thank's for the help with BRIAN CARTER he has sent a letter saying they can't find any details of original debt.[ but will keep looking!!.]

 

the thing i want advice about is the G P O insurance. i cancelled a direct debit through lack of funds to save myself the £30 that the bank would charge knowing the gpo would also charge £20 for a returned d/d

costing £50 for a direct debit of £16.i rung the gpo and explained the situation and told them i had reenstated the d/d. they insisted on a payment over the phone by credit card for the £16 to keep my insurance running i agreed to this and gave my details to the operative and they took the payment.all sorted ? two days later they took £20 off the credit card without my permission as a charge for returned d/d is this legal? as i agreed to the £16 payment but nothing was mentioned about charges during the phonecall and can they take money from my card anytime they want now they have my details. thanks in advance.reacher51

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Did you update your BC issues in another thread ?

 

As regards your questions here-What does it say in the terms and conditions as regards failed/late payments ?

Most are now charging £12 for this.

Because nothing was done in writing its hard to prove that you were not informed there would be a further charge-or that you asked if there would be.

The PO are likely to maintain that it is in their terms and conditions.

 

I suggest that you put something in writing,asking for a breakdown of the £20 charge/fee and say that you do not consider it to truly reflect their loss for a failed DD payment.

Ask them to consider refunding it as a goodwill gesture.

Send it to the address listed in the policy docs for complaints and keep a copy.

Send recorded delivery too.

 

£20 is not a big amount,but better in your pocket than theirs-keep us updated.

Will look for a suitable forum to move this thread to.


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi

Welcome to The Consumer Action Group.

 

 

I am just letting you know that as you haven't had any replies to your post yet, it might be better if you post your message again in an appropriate sub-forum. You will get lots of help there.

 

Also take some time to read around the forum and get used to the layout. It is a big forum and takes a lot of getting used to.

 

 

Once you start to find your way, you will soon realise that it is fairly easy to get round and to get the help you need.

 

It can be bit confusing at first.


Please be advised that my time will be limited for the next few weeks.Thanks for your understanding.

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