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    • Just to give another view of the NHS and GPs - two GPs probably saved my life last year.   I'd been extremely ill, no appetite, significant weight loss, not taking enough fluids.  Wife took me to A&E.  Terrible experience.  After four hours told my wife to take me home.  She said "told you this was a mistake.  I'll get you an emergency GP appointment tomorrow".  Saw a GP Registrar (essentially a trainee GP) following afternoon.  She was very concerned and asked a colleague for a second opinion.  Second GP was horrified as soon as she saw me, and said "You ought to be in hospital".  She told the trainee to arrange to have me admitted to hospital and just over two hours later (after my wife had driven me there) I was in bed on a medical assessment ward.  Stayed in hospital for a week and was only discharged because they needed the bed.   I was going to complain about my A&E experience (I think the triage nurse must have screwed up my triage assessment) but a week after I was discharged, I had to take my wife to A&E as her optician thought she might have a detached retina.  It was about 5:30pm on a Saturday and the place was full of injured footballers and rugby players.  It was much busier than it had been on the Monday afternoon I'd been there, but my wife saw a doctor in 20 mins and we were out in 40 mins.  I decided that sometimes you're just unlucky...
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    • I keep an eye on the NHS board because I'm a former NHS manager.  I saw this thread started years ago and thought I'd have look.   I'm sure it's purely coincidental, but when I got to #61, it reminded me of a different poster on a different thread from last year.  They aren't identical, but the way things are expressed are remarkably similar.  (eg 20 min wait - ask receptionist - Drs are very busy - wait another 20 min - ask again - receptionist checks computer - says Dr has refused to see you because of complaint 2 years ago - transferred to another GP who expresses "shock" at other Dr's behaviour - vague and confusing references to a "justified" complaint.   Maybe it's just me, but they seem remarkably similar, although the other thread is missing a 2014, 2016, 2017 backstory.     layla_83   As others have already said, there seems little point in complaining now about issues that stem from things that happened in 2014 (and 2016?).  If you wanted to complain to "put the system right", you should have done that six years ago.  Even if the original GP is still about, they won't remember any of it, so there will be absolutely no opportunity for them to learn any lessons from it.  And the fact that the original GP did not want to see you (or rather your mother) because you (she) had made a complaint against them two years ago most certainly does not mean that the GP remembers anything from 2014, it just means that you (or your mother) are flagged up on their system as a "complainer".  As I asked a year ago, why would anyone be unhappy because a GP they had previously complained about refused to see them?  You should be relieved!!!  You say the GP should not take the complaint personally, but if I were a GP I would not want to treat anyone who has made a complaint against me.  (And if you are connected to that other thread, you should have complained to your local CCG or the GMC by now).   You were going to send a letter of complaint to the practice in 2017, so why only now complain about their response?  Did it take them nearly three years to reply?
    • Hi JeelyM and welcome to CAG   1. Do you have the details of the person you bought the bike from.   2. Did you go to their address when you bought it.   3. Did you pay cash for it or what other means.   4. Did you pay the full market for buying the bike.   5. What did you pay.   6. Give us make and model of the bike please.
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Hello!

Last summer I paid off the final amount on a Barclays Partner Finance agreement, for a camera I bought about 10 years ago from Jacobs (I was paying off a small amount a month after an initial large payment and closed the account by paying the last £90), I just called up Barclays and the lady was really nice and I paid off the account then got a letter stating the account was closed and had a balance of zero - phew!

A month or less later I started getting letters addressed to me at my parents house in Northern Ireland (I used it often as I was in a different rental house very year in London and travelled quite a bit). They were from Apex credit saying I owed over £3K on a Barclays Partner Finance account. So I called Apex and they couldn't tell me any details of the account (and were very rude), so I called Barclays Partner finance but they wouldn't give me any details because I couldn't give the right postcode (I have lived t about 20 addresses over the years).

So I came on here and after another threatening letter from Apex- saying that I hadn't contacted them when I had been on the phone twice - I sent a letter to Apex, requesting account information for the money they were chasing.

I got yet another exact same letter from them saying that they are pursuing me and unable to contact me (even though I had sent a letter - and changed my address to my new house), so I called them just before Xmas. I asked again for information for the account, saying it seems very weird to get a request to pay a similar amount from the same lender and for, it turns out - Jacobs cameras... but for a different account number.

They said they were unable to provide the details, they have since said that I need to send them copies of my bank accounts with relevant details blanked out, but evidence of me paying the account and a final statement from Barclays - which I did - along with a lett of complaint.

That was December, I heard nothing until yesterday when I got a letter saying that they were handling my complaint and would get back to me as soon as it was resolved BUT it still had the £3K outstanding at the top of the letter. Then today I got a text message asking me to call them straightaway - should I call them?

 

I am currently working part-time and part-time post-grad studying. When I applied for a loan to help me pay the fees last year I got refused even though experian had me down as a 99% all round good egg borrower... (I requested it after getting refused as the only debt i THOUGHT i had was my £2K overdraft.)

I am currently living in my now £2.6K overdraft from Halifax and only get paid £900 a month, so can't see a way out of it or any way to even pay them a little bit.

It has kept me awake at night and I feel a bit sick when I think about it. I haven't the means to pay a debt of that size.

There's only one possible thing I think it could be, I got a replacement camera in about 2005 but I thought it was added to the Jacobs account I already had, and thought I was paying off ever since. It seems weird tht there is only a problem now....

 

what should I do next?

 

thanks in advance for your help!

:-(

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