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    • I had Friday 29th in my mind so that I would get it  and not miss the Monday deadline. Is that the best course of action? Any thoughts from the forum on my plan of 'prove I'm the driver' idea? Is this silly or worth doing? 
    • Indeed. I was just thinking 'Here we go again'. NHS trusts are saying they have problems and want to move to Plan B, Indie Sage scientists are saying things need to change. But HMG isn't listening and says everything's fine.    Meanwhile Chris Whitty has at least stressed the importance of masks, ventilation and so on. 
    • I have heartbreaking news my brother has died 😪 I am well and truly heartbroken😪 I am finding this difficult to write but i need to write this for my brother, There has been a catalogue of fatal errors by this gp practice and even by the hospital before/after the sleeping pills that should never have been prescribed.   background prior to the sleeping pill wrongly prescribed   Diagnaosed with vascular dementia 2019   May 2020   Weight loss reported NO dysphagia (Without any investigation GP writes NO dysphagia (swallowing difficulties which can lead to aspiration pneimonia, weight loss) Prescribed ensure   Jun 2020   weight/diet/nutritional assessment tasked DN team     Referral out    Community Referral for Elderly Care   june 2020 In view of suspected covid infection best to defer weight check/assessment There was no suspected covid infection, how gp got this? nobody called the gp and it was uk lockdown   Jul 2020 Eating & Drinking Complaint brother eating less and losing weight   Jul 2020 Dry cough over night. white phlegm noted Diagnosis: Viral upper respiratory tract infection     Jul 2020    57 Kg weight told Gp over the phone   24 Aug 2020  1 week poor appetite & drowsiness- keeps falling asleep Decrease in appetite   25 Aug 2020 Reported to GP 6 months of steady weight loss: 14kg (June weight 66, now 50kg) NO dysphagia (how without investigating further) If GP had investigated further it would shown my brother had swallowing difficulties which was causing the weigt loss and chest infections.   Feb 2021 Presenting complaint (XaIm8) - chesty cough phlem Diagnosis: Respiratory tract infection     Mar 2021  Presenting complaint (XaIm8) - not eating or sleeping Poor appetite (lost 1 stone since then) and poor sleep   April 2021 Serious reaaction to sleeping pills - causing 2 litres of uring retention indwelling catheter as posted in this thread and problems   18 Jun 2021 chest infection   30 Jun 2021  Chest Ingection Diagnossi should finish antibiotics and plenty fluids   7Jul 2021 Complaint - struggling to swallow large capsules Weight loss/not eating drinking properly Requested liquid version or smaller size capsules   9 July complaint - Please see yesterday's entry by and task sent to , sister saying pt hasn't taken Prostate medication for 4/7, urine rention building up, sistrer concerned requesting alternative medication, small tablet form if not available in liquid, sister says it is urgent for today. Re: patient unable to swallow due to size (approx 24.2mm x 7.7mm SmPC)   10 Jul 2021    Presenting complaint  - Please see 09.07.21 entry, patient still struggling to swallow tablet, urine retention building   July 2021 Nose dripping week, swallowing mucous For the last week cough with green sputum Note previous course of antibioitcs in june for chest infection longstanding swallowing problems - BUT NOT INVESTIGATED!!!!   1 Aug 2021 Feels has chest infection. cough 2 weeks- productive green phelgm Diagnosis: Chest infection - unspecified bronchitis   10 Aug 2021   blocked sinuses/runny nose despite 2 x recent antibiotics,just finished amoxicillin +probable viral infection no further antibiotics indicated observe for now   12 Aug 2021 Presenting complaint struggling with breathing sister concerned wanting Gp to review HOME visit tomorrow   13 August Brother taken to hospital diagnosed with exacerbation of copd steroid tablets, antibiotic tablets, antibiotics into vein in arm struggled to take bloods on 3rd attempt, left with bruised vein chest xray shows pneumonia sent home 7 days meds letter for Gp requests follow up chest xray in 6 weeks (NEVER DONE)   18 August 16 Aug 2021   Presenting complaint - discuss ambulance report thinks needs home visit everyday adv sister is reassuring he did not need nebuliser *brother was put on nebuliser in hospital in august, gp is wrong) A/E attendance likely all related to current LRTI     22 August 2021 Presenting complaint (XaIm8) Home visit Pnemonia. Chest still doesnt sound clear. 1 medication finished today 2 finishing tomorrow - steroids Home visit done by GP Chest clear, good AE B/L, no resp distress HS N, calves SNT, WWP, regular pulse Abdomen SNT Diagnosis: Chest infection NOS (XE0Xs)- resolved   24 Aug 2021  Home visit Chest clear, good AE b/l Diagnosis: Hay fever - unspecified allergen (X00l9)   I then made a private appoint with a respitatory consultant, he got access to the chest xray done in August 2021 and told me my brother had pneomnia in the right lung aspiration pneomonia caused by swallowing difficulties, food liquid going down wrong way into the lungs, causing infection leading to pneaomia. This consultant gave a report of findings, also askig GP to make referral to SALTS carry out swallow assessment. This referral was done far too late by the GP over 10 days delay and only after i kept on complaining why wasnt the SALTS team coming and my brother was down to 6stone in weight. I had to go private consultant for aspiration pneomonia  diagnosis on chest xrays done in August 2021 then give that report to GP to make a SALTS referral. The previous chest infections was aspiration pneomonia but GP clearly misdianosed inc on Home Visits after the August 2021 hospital attendance.   WEIGHT COMPLAINT!! 19 Sep 2021   Presenting complaint wanting to discuss weight loss Discussed - I will task DNs to carry out these reviews as too weak to come to surgery now. Also check weight/ BP I will refer to dietitian Diagnosis: Weight loss - AFTER 12 MONTHS and after lots of complaints GP DECIDES WEIGHT to 6STONE!! decided referral to diatcian after I tell GP!   22 Sep 2021    Recieved a letter from xyz clinic 2 days ago to ask GP doctor to arrange swallowing assessment about swallowing issues GP Diagnosis: Swallowing symptoms (XE0r7) - ONLY AFTER WE TELL HIM PRIVATE CONSULTANT FINDNGS. GP did not bother to investigate all the complains I made about swallowing difficultities. I went to private consultant to get dignosis on swallowing problems, despite makings lots of complaints to GP and being ignored. I was doing the Gp's job in getting the diagnosis for swallowing problems!!   24 Sep 2021 SALTS REFERRAL made  BY GP - ONLY AFTER I WENT TO PRIVATE CONSULTANT Please advise pt's daughter that the GP has messaged the secratary to refer the pt to SALTS referral     27 Sep 2021 Presenting complaint - Presenting complaint (XaIm8) Requesting powder sachets instead of premade shakes. Patient is struggling to swallow these as liquid is rather thick. Family have purchased a few sachets of powder and find these better for him. Also mentioned patient has lost around 1 stone in weight and are concern.   28 Sep 2021 Presenting complaint - Pt having swallowing issues and pt taking Movicol sachets but still constipated as struggling to swallow down properly. DN   GP DOES Hospital Referral for Feeding/ Swallowing AFTER COMPLAINT MADE   30 Sep 2021    Presenting complaint - Unable to swallow movicol properly therefore family request another enema. requests GP to assess first as has had 2 enemas fairly recently already. ongoing swallowing issues - sister says losing weight fast. Been referred to SALT & this has been marked as urgent now.   4 October 2021    Presenting complaint - Concerned about ongoing swallowing issues ?chest infection. says chockes whilst drinking ensures- SALT referral sent E&D less leading to weight loss -Dietician referral sent Patent airways Chest clear, good AE B/L MEDICAL NEGLIGENCE - SEE 5th October!! (This GP is on audio recording telling us the chest is clear)   5th October follow up appointment with private respitatory consultant Diagnosis pneomia due to aspiration (swallowing diffuclties/dementia) Prescribed 4 months of maintenance antibiotics Diagnosis pneomia when the GP the day before said everything was clear!!     7 Oct 2021   Complaint - Why SALTS team not been for assessment, should be marked urgent brother weigh down to 5.5stone. Says spoke to SALT team last week - will be complaining as SALT referral recieved on 21/9. Apolagised for this but on system it was actually sent on 19/09/21 Diagnosis: Swallowing (Xa4M7) -> (ignored my complaints for over 2 years on swallowing problems, and put no dyspghia on my brothers record 2 years ago - when swallowing problems were going on even abck then.   10 Oct 2021   Spoke to sister who has spoke to SALT team on 02/10. Felt SALT nurse was rudee. Says nurse said appointment may take some time ?due to back log of patients in covid period GP then contacts SALTS team to try expedite appointment Diagnosis: Speech and language therapy     12 Oct 2021 Private swallowing assessment done by speech therapist because the GP and SALTS were going aound in circles and brother rapidly losing weight! Private assessment shows serious swallow problem, recommends SALTS team urgent see my brother   15 Oct 2021 Brother coughs up phelhm with blood 1 time in day, reported to GP and request home visit   16 Oct 2021 GP home visit, checks chest, says clear and nothing to worry about - on video GP says brother has blood clot in lungs, go AE and wait, tell GP brother too frail weak, weight 5stone, unable to wait in AE. Request GP make arrangement for xray, bloods, ecg at hospital so brother no need to wait in AE. GP says NO, you have to wait AE. GP will arrange ambulance to go to AE where you WILL HAVE TO WAIT even if it means waiting 6-7hours. Inform GP this is impossible. GP leaves. Calls back in 20mins says NO BEDS available, you just have to wait in AE if it means waiting 7 hours then just wait. Explain the difficulty dementia, too frail, high risk of catching bug and request GP arrange time for brother to go into hospital for bloods, xray, ecg etc, GP says no. Then turns the conversation around telling me 'so your refusing to take your brother to hpstal, if he dies its your fault, i will put that down on his records'. GP hangs the phone.   10 mins later brother collapses, ambulance called, oxygen given, stats up. Taken into hosital, where immedialtely the staff tell me your brother is emacitated dehyradted way too much, all skin and bones. Tell staff, swallow problems, weight loss, complaints to Gp, Gp not listening etc. Brother kept in overnight put onto IV fluids. Discharged the next day   few days later, brother health deteroriates, paramedics to the home, say its pneomonia, i tell them its aspiration pneonua, they agree, explain the swallow problems, weight loss. They say you need to complain to GP.   Oxygen provided, stats go up, paramedics leave 2hrs later stats drop ambulance called, oxygen given 1hhr stats go up, ambulance staff they cant leave oxygen again because 2nd time called to house. They call GP to house with injections inc morphone, which thankfully were never used. Brother passes way at home   My brother died weight was under 5stone, he was skeletone and bones, weight loss problems, swallowing problems complaints made over 2 years and nothing was done until the last couple of weeks only after I went to private consultant for diagnosis, who sent his report the ignorant gps, the same for the private speech therapist report to gp   Gp only refer to dietiacian when brother weight down under 6 stone!! In 2 years no demential assessment done, only done last 2 weeks of brothers life after I complained to GP   This is what I can remember, they will be things I have forgot to add. I am devastated.                                                                                
    • I see, thank you very much. Sorry for repeating the same questions myself! Im working on getting the quotes now
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Repairing Credit Rating


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I've got a rather dirty credit history, done over royally back in the day and defaulted on some things but

 

they're all showing as "settled" on my Equifax report now. In fact my Equifax made for better reading than I expected.

 

More recently (2010-2011) I fell into a pay loan trap and I owe Wonga about a grand and Pounds2Pocket ~£600

but I've not even been in contact with them for about 18 months.

Neither are showing as defaulted on my report though, can that still happen at a later date?

 

One other outstanding item is a default on a Halifax overdraft, ~£900. This is the only thing on my credit file that is outstanding.

 

I have a phone contract and a credit card which are both in the green and helping rebuild a good history.

 

I'm keen to get my rating back on track, I'm in a well paid job nowadays and can actually afford credit, but obviously I can't get any.

 

Am I best focusing on getting the Halifax default sorted first, as that is showing on my report?

 

Once I pay that in full and it's showing as "settled", how long roughly until I can expect my credit rating to be "good" and well priced credit be available to me again? 6 months? A year? 5 years?

 

Thanks for the help.

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The only thing that is certain is that your CRA file will only ever show up to six years of history. Anything before that will not be visible to anyone who searches it, except maybe you. The history of an account is recorded up to the point where it is settled (normally) or where it defaults (for bad accounts).

 

So your Halifax default will disappear six years from the date it was made, whether you settle it or not. Obviously if you do settle it, this will show for any remaining time in those six years from default.

 

The PDLs could be a problem because they haven't defaulted yet. They could indeed do this at any time, and it seems odd after 18 months that they haven't. Any default would then remain on your file for *six years*, as would any missed payments. They will probably sell the debt to a debt collector vulture like Lowell, who will then default you and harrass you for the money.

 

You could possibly avoid this with an offer of Full and Final settlement. If your main concern is establishing a 'clean' credit history (presumably because you want a mortgage?) rather than saving money, then maybe this should be your priority to stave off hard-to-control debt collector action, although you can also make an F&F offer to Halifax.

 

I assume you don't have any CCJs but note that these also stay on for six years, unless settled in full within 28 days of judgement, in which case they are removed from your file (never 'registered').

 

Obviously make sure you don't miss a single payment on any credit accounts that are 100% reliable! Do not be tempted by any 'credit repair' services - they are snake oil salesmen.

Edited by marmaris30
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So your halifax default will disappear six years from the date it was made, whether you settle it or not. Obviously if you do settle it, this will show for any remaining time in those six years from default.

I presume it looks better settled than left unpaid though, or not?

 

Any default would then remain on your file for 18 months, as would any missed payments. They will probably sell the debt to a debt collector vulture like Lowell, who will then default you and harrass you for the money.

Yeah I've had all the vultures try chasing me; Mack Hall and various others. They are on the reject list on my phone so I don't even know when they contact any more.

 

You say here that a default on the payday loan will only be on file for 18 months? Why less than other defaults?

 

No CCJs or anything, just a lot of defaults, 2 in the past which are now "settled", one outstanding as above, and then these 2 payday loans which are outstanding but not defaulted yet.

 

I know the righteous brigade will tell me otherwise, but I'd rather not pay the payday loan **** if I can help it, but I do want to get my finances in order once and for all and if that's what it takes then I probably will.

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I just checked my Wonga account, despite the fact I didn't repay on my "promise" date of Friday 17th Feb 2012(!!) the account it still open and accruing charges on a monthly basis. I have no idea how long they will let that rack up before they default it!

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Sorry I meant 6 years when I said 18 months. Basically they aren't allowed by law to maintain any information for longer than 6 years, counted from the event, of which default or settlement is the last in the life of an account (although some DCA's break this).

 

Yes, settlement does look better than an outstanding account, especially if it's defaulted.

 

As I said, if you are in a position to make F&F settlement offers then that will shut down your problem the soonest, and it is best to act to stop the PDL scamsters from adding on more interest and charges.

 

The sooner you act to get your affairs in order, the sooner the negative reports on your CRA will stop, and the sooner your file will look 'good' again, although it's best to learn the lesson and avoid credit ever again unless you have no choice, such as for buying a house.

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Ok thanks.

 

I can't make any F&F payments yet, certainly not for all 3.

 

Wonga:

your account is 564 days in arrears

Today you owe £1640.76. View details

 

I wish they'd just defaulted it straight away, it's currently going from unaffordable to impossibly unaffordable.

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If they havent defaulted you yet and have left the account open for almost 2 years, then get complaining. loudly.

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

:D

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OFT/FCA/FOS

 

They should NOT leave the account open that long, purely to rack up charges and interest for self gain. But unfortunately youa re dealing with PDL's who think the law doesnt apply to them, and the **** that runs them just laughs at you.

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

:D

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