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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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    • 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.
       
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nik532

Morgan Solicitors/Cabot Financial

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Hi,

I am very new to this site and the issue i am trying to deal with, so any help would be appreciated. Back in 2002, i took out a credit card with MBNA, and in 2005, i believe myself and my partner had paid it off in full through debt consolidation, i now find this not to be true. In 2008 the relationship broke down and i moved away from the house we owned together. I have heard nothing from anyone until two months ago when i received a frantic phone call from my ex saying that she had received an Application for Final Charging Order from Morgan Solicitors and so had i . It was two weeks before my wedding, and i was up to my eyes in it. I called Morgan Solicitors and explained that i had not lived at that address since March 2008, which they new as they had run an Experian Credit Report on me and had my new address and when it was from. They were really not bothered, they would not allow me to make a payment plan with them, they just wanted their money or see them in court. The court date was during my honeymoon and i would be in Egypt. I asked them for assistance, as i did not have that amount of money (£4619.59), they said find someone to borrow it off. Luckily my dad was able to help and paid the full amount. Now, a couple of months on, i am starting to wonder if i did the right thing? I have spoken to them about the amount of interest they have made by communicating with the wrong address (£1475.84), they say that it is my responsibility to notify them of an address change, but if i do not know i am being chased for money and by whom, how do i know to change my address? They said that "legally", they only have to communicate with their last known address and they do not take the Experian Report into account. I did not know that it had already gone to court and a CCJ issued against me, i was completely in the dark. I have been to the Citizens Advice, but they were not sure how to proceed. Can anyone help me or point me in the right direction? This is the only bad debt on my credit record and i believe it was through no fault of my own.

Any advice would be grateful, thanks for reading this very long winded thread.

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