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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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lamby66

Debt settlements

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Hello, I am new to this website and forum. It is refreshing to see that there really is help out there. Now I have finally decided to face up to my debt problems I can see there can be light at the end of the tunnel!

 

I have accrued debts in excess of £20k and have read on here about settlement figures to creditors.

 

Should I be offering / asking for a settlement figure less than the total I owe? What would this mean long term? Would the account then be closed or could they follow up at a later date?

 

I know there is no easy way out but would like to try and get things resolved once and for all and start to get my life back on track

 

 

Thanks in advance,

 

 

Lamby66

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Hi lamby66

 

Welcome to CAG

 

You've come to the right place. Before you offer to settle, it might be worth sending CCA Requests to your creditors, give them 12+2 days to respond. If the accounts aren't enforcable then you can use that as a bargining tool, to get a better settlement. You send £1 to each creditor with the CCA Request, all templates can be found on this site. Depending on what they send you can put the account in dispute. We can chck the documents for you, you just need to scan, post removing all personal details.

 

The other thing is that if you've had Penalty Charges added over the last 6 years plus you can claim them back with contractual interest. Also have you been mis-sold PPI that you can claim back. Again with Interest over 6 years plus.

 

All spreadsheets and templates are in the Library. Your tackling the debt on all fronts.

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Brilliant! Thank you.

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