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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...")
    • 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
    • The US will maintain import duties on $7.5bn worth of items including French cheese and single malt whiskies. View the full article
    • 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.
  • Our picks

    • Curry’s cancelled my order but took the money anyway. Read more at https://www.consumeractiongroup.co.uk/topic/423055-curry%E2%80%99s-cancelled-my-order-but-took-the-money-anyway/
      • 11 replies
    • Father passed away - Ardent Credit Services (Vodafone) now claiming he owes money. Read more at https://www.consumeractiongroup.co.uk/topic/423040-father-passed-away-ardent-credit-services-vodafone-now-claiming-he-owes-money/
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    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
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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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Like me, Have you been HFO-vered ?? :mad2:

 

Ive had dealings with this mob for over 4 years now on and off. It wasn't until recently when they started using other tactics. that they have really antagonised me big time. Ive had some dealings with DCA's in my time, but nothing along the lines and extremes as to what this lot will stoop to.

Having researched them in considerable depth, I now have my own ideas why they operate as they do and the possible constraints placed upon thier workforce to produce results. These views are unfortunately too sensitive to state here.

As is evident from the results of the excellent work of these forums, the only way to hit these people is on thier docs. Remember, the damage has been done, every document now is a matter of record and cannot be undone. It is now up to us, the victims, to sensibly collate these individual case histories and use it against them.

There is a very true phrase in life , "Someones strength is also thier weakness". Thier docs are certainly thier Achilles Heel - use it !!

 

Well, fellow Caggers, the time has come for the "little man" to strike back. Im absolutely stunned by the amount of postings on here regarding the strokes that are being pulled by this lot.

 

What is required is consolidation of data and cases. The posts on here are excellent and the lengths that the more experienced caggers have taken to help others is admirable and is clearly total dedication to the cause.

 

We all get in debt in life from time to time, some more than others, and when we all take out those accounts initially, it is all in good faith at the time. Nobody knows what the future holds and how ones' circumstances can change for whatever reason.

 

Whilst it is accepted that DCA's and other forms of civil enforcement are necessary and are part of life, what I cannot and will not accept is the underhand tactics and M.O's of some of these companies.

Personally, I am not interested in the morality of whether a debt is or is not due, that is a case for your conscience to deal with. What I am concerened with is fair play and correctly administered legal process and exposing abuses of the system.

 

In respect of this lot, I have already made my own noises to various government agencies, as Im sure many others have, howver, none of us know what is going on behind the scenes, but hopefully they take our complaints seriously. That is your right as a consumer if you feel hard done by.

 

In view of the above, I consider that it is right and proper to use all legal and ethical means to expose the operations of these companies. Clearly there is quite sufficient evidence in the public domain to prove that it is more than a few minor "administrative errors".

 

I am in the throws of launching a website, which will be privately hosted in respect of who-is databases etc as I dont want HFO & Co cyber snooping.

 

The aims of the site will be :

 

Clear concise information taken from statute books to assist members of the site who can only be HFO "Victims" regardless of who the OC is.

 

A database of all cases together with uploaded documentation, case histories etc. All documentation to be "privatised" by the owner so confidentiality is maintained. All info, docs etc will be marked with a case reference number so only the site webmaster, and you, the victim will know these details. You will be able to log into your account at any time to add, delete, update etc. All we ask from you is your co-operation in allowing your details to ultimately be used should any LEA or other lawful interested party require access to these case histories.

 

Access to this site will be by invitation only, and strict verifications procedures will be required. All data will be SSL 128bit encrypted and the site will also be an https "Green Address Bar". Your anonymous data is therefore 100% safe, and you cannot be identified unless you wish to.

 

Part of the site is written, its sitting on a server ready to be launched and will be well optimised and is sure to be found using all major SE by anyone researching our "friends" activities.

 

I will make it perfectly clear here, that any info on the site will be harvested from reputable, factual sources, including the public domain. No wild conspiracy theories or hearsay data will be entertained, nor anything closely resembling libelous nor derogatory remarks. You must keep to the facts based upon your experiences.

 

I am seeking comments and input from other caggers. All input positive or otherwise will be welcomed.

I have superb influential contacts in media, TV and government departments, and I will be calling upon these resources as and when the time comes.

 

You would have noted the username. I'm also on CAG under another username but only a trusted few will know that.

 

************************* ************************* *

COMMENTS PLEASE

************************* ************************* *

If our "friends" are viewing this post, all I can say to them is, this is not defamation, libel or whatever you may alledge. These are the facts based upon 100's if not 1000's of personal experiences. I call it Justice and Retribution for the consumer, which is well past due.

The website referred to above is only for HFO / TR problems, however, should any other DCA come to light who operates in a similar way, then they will also be suitably rewarded with a similar dedicated consumer action site !

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Subbing. With delight.


“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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Happy to help.


At your Service

 

Please Double click the Star and leave a message if I have helped you

 

Please support CAG and they will support you.

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Subbing. With delight.

 

and seconded with eager anticipation.

 

As a great man once said - "They don't like it up em" :-D

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Yes please ; )

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Subbing. With delight.

 

Thanks for the PM DB. If that is the case, then he (or she) will be revealed in due course. Ill have a look at those posts you mentioned

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Also subbing with interest, as you will know I started the thread on CAG about the Google Street Map issue, so am very interested in your proposals.


Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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Subbing. With delight.

 

Had a look at those posts DB. Have to keep tabs on this one. I see what you mean, I smell a rat. Thanks

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Subbing


US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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Great idea, I will contribute in any way I can.

I am currently gunning for the misuse of the CRA's by the DCA's

using Table 1 to carry out tracing searches, any info on this from your perspective

would be much appreciated.

Brig.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Thank you for the replies considering the post has only been up for less than a day. Please pass it around the form.

 

I shall be posting up when the site is live together with the https domain addy. The ID and verification process will then be advised on the home page of the site. After this process is completed, you will receive a unique reference number and password. Once you have received these you will be able to access the secure login via "Green Address Bar" page. For those who are not aware of this, green address bars have a high level of security and encryption and also a site certificate. (e.g. Verisign)

 

T & C's of registration / usage will also be announced at this time

 

All data and documents uploaded must be privatised to remove all your personal details, but the documents must be marked with your reference number and will be saved in your unique account space. Once documents are uploaded, the site administrators will transcribe all of the case details which are relevant into a statistical analysis format. This data will have a "read only" attribute and will not be editable by any user. This will then provide factual information based upon your own experiences.

 

The site will also contain up to date statutes to assist you with your case, together with direct links to all sites, government and otherwise, for up to date resources and other useful information.

 

The site will be updated daily, so you can expect any data and documents you provide to be available for viewing by members within 24 hours of upload.

 

There will be various search facilities, i.e. view stats, view all POC's, view all NoA's, view case No., cases won, cases open etc etc

 

Also included shall be open forum postings for contributions from members.

 

I am absolutely convinced that this shall be a major tool in our plight and will benefit all subscribers. It goes without saying that this facility is absolutely free. There is no commercial aspect to this project. It is quite simply all in the interest of Justice for the Consumer.

Edited by HFO-vered

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Hi HFO-vered,

 

Have you contacted our Site Admin to check they are happy for you to post links, etc to your site when it's up and running.

 

Please see our Site rules and, in particular, rule 8.4 :-

 

8.4 Site owners may be allowed to publicise their site, however before any post is made, they should first seek permission from the website administration (admin@consumeractiongrou p.co.uk) giving full details, and a link to the site concerned. Any posts made pending a decision will be moderated.

 

Site Admin email addy is admin@consumeractiongroup.co.uk but take out the gap that appears in the addy. Full Site Rules are here - http://www.consumeractiongroup.co.uk/forum/showthread.php?9-Forum-rules.-Please-read-these-before-posting&p=16&viewfull=1#post16

 

I realise your site's not yet running or linked but it would be prudent to clear this first, thanks.

 

8-)


We could do with some help from you

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Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

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Happy to help out, this lot are devious and their little tangle of companies needs exposing....

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subbing

 

Would love to help where ever I can.

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Happy to share my bad experience too! Subbing in anticipation.

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thanks all

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There is a now a site and petition available, that I have found, within the public domain which can be accessed by googling Turnbull Rutherford. Well worth checking out IMO. It is not DPC who are a debt management company, I believe.

 

I always recommend on CAG that people complain about this bunch to OFT, the SRA and Consumer Direct who should be dealing with them in the appropriate manner. so keep the complaints comming.

Edited by coledog

At your Service

 

Please Double click the Star and leave a message if I have helped you

 

Please support CAG and they will support you.

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Bumping this. My, caaraa, your posting history is extremely odd...


“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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Bumping this. My, caaraa, your posting history is extremely odd...

Indeed it is! So Caaraa, what brings you to this site?


:lol:

Successfully claimed back mis-sold PPI (Barclays Bank) 2009-10 (£8500)

Ran a paid-for DMP. Deeply respect those who self-manage a DMP; it is possible to do with the help of fellow CAGGERS

Offered F&F to all my creditors. All closed out including a particularly intransigent and stubborn one - who eventually saw sense after 10 months of nonsense!

Does not condone debt avoidance but violently disagrees with the antics of debt collectors and their behavior towards the ones trying to pay. I am a great believer in what goes around, comes around. Keep up the good fight!

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