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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?
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I recently took out a payday loan with WDA but unfortunately due to me becoming unemployed, I was unable to repay the full balance on the due date which was 25/07. I emailed them on 23/07 explaining I was having financial difficulties, I would not be able to pay them anything on the due date but did want to come to an arrangement to pay. I specifically asked them not to take the funds from my card, as there would be insufficient funds in my account


I recieved a response asking for the circumstances of my unemployment, which I replied to, they've asked for some proof, like a P45, which I said shouldn't be a problem and it was all quite civililsed...


Until I noticed 2 transactions on my account for £10 on separate days. I thought this was odd but perhaps they were just late payment charges. Today however I've found my account has basically been cleaned out by them and they have taken £300.


Yes, I should have cancelled my card and as I understand it there is little or nothing that can be done about it as debit card transactions aren't protected in the same way that DD's and SO's are.


However, I've just read their terms and conditions, which are interesting to say the least:


"If this repayment transaction fails, we will make up to a further 3 attempts on the Due Date to recover the following sums, in order, by

Debit Card payment:

£10 (step 1);

if this is successful, 50% of the outstanding balance (step 2);

if step 2 is successful, 50% of the outstanding balance;

if step 2 is unsuccessful, 25% of the outstanding balance.

Where we cannot obtain the amount outstanding on any Due Date, we will make immediate attempts to contact you and find out why,

and agree alternative repayment arrangements. It is in your interest to discuss your situation with us. If you are suffering financial

hardship, we will show forbearance in considering alternative repayment arrangements. If you agree a repayment plan with us, or

arrange an alternative date for repayment, we will suspend collections attempts for the period until the revised payment falls due as



So, they took the first £10 - that worked. Step 2 - 50% of remaning balcance, no that didn't work - ok lets try and other £10 the day after then... yes that's worked.


Then I'm guessing they've probably tried to take a few more out and failed. Until today that is when a few hundred pounds was transferred into my account by a family member, they've tried again and YES, we've got him.


Now that doesn't look much like the process in their terms and conditions to me?


I've since sent an email asking for a breakdown of the transactions they have attepted to make, failed or successful and said I will be cancelling my card, and all they have succeeded in doing is delaying the payment of the full balance further.


Can anyone say I am within my rights to complain here?


Many thanks



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Hi Axle_81,


Are you sure the 300 GBP were taken by debit card payment and not by direct debit? Usually WDA, if you are on repayment plan or about to be on repayment plan, sets up a direct debit of 300 GBP one day before your salary would be due. If it was taken by DD you can request your bank to return it, if it was by card this is difficult.


If it was by card you can however still challenge the transaction with your bank as it would have been not due to WDA's term and conditions, but reading the terms and conditions you posted it would not make much difference to have taken 150 GBP (step 2) and 150 GBP (step 3), or 300 GBP (step 2 and 3 together in one go).


How much is/was the original loan amount and the total amount you owe WDA?

24/7 Moneybox: 195.00 - Oustanding: 0.00

British Pearl/Spondoolies: 752.10 - Oustanding: 0.00

Cash on go/Peachy: 206.30 - Oustanding: 0.00

EarlyPayday: 325.00 - Oustanding: 0.00

Lending Stream: 1398.46 - Oustanding: 0.00

MicroLend: 780.00 - Oustanding: 0.00

Minicredit: 520.00 - Oustanding: 0.00

MonthEndMoney/PaydayUK: 937.50 - Oustanding: 0.00

MrLender: 715.00 - Oustanding: 0.00

Pounds2Pocket: 2328.00 - Oustanding: 0.00

QuickQuid: 1800.00 - Oustanding: 0.00

SafeLoans: 450.50 - Oustanding: 0.00

Speed-E-Loans: 516.00 - Oustanding: 0.00

SwiftSterling: 1295.00 - Oustanding: 0.00

Toothfairy Finance: 544.00 - Oustanding: 0.00

TxtLoan: 450.00 - Oustanding: 0.00

WageDayAdvance: 670.80 - Oustanding: 0.00

Wonga: 1336.86 - Oustanding: 0.00

Total: 15220.52 - Oustanding: 0.00

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Thanks for your reply. I've not got as far as setting up a repayment plan yet. I think the total balance is £781. They've certainly breached their terms and conditions, no company should be allowed to go trigger happy with a card machine. I work in insurance and if someone can't afford to pay their policy in one go - I don't just TRY and take the money anyway without their permission. More needs to be done about this to protect people.

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Just been in to a Cooperative branch. Apparently, they can't cancel my card and even if they did, they said that WDA would still be able to take money as it would default from the old card and transact it from the new one. Really?


So what if I have my card stolen by someone who has access to my pin number, are they trying to tell me they would forever be able to debit money from my account? I don't think so. I've now no choice to call them in a few hours and LIE by saying my card has been lost / possibly stolen. Unbelievable.

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Speak to the coop onthe phone. Most branch staff, just like very other bank are told to say things, even if its not true.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..



If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks


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