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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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Hello

 

I have four more installments left on my Pounds to Pocket loan and my financial circumstances have changed.

 

I have had to get a more expensive ticket to travel to work thus taking a chunk of out of my income meaning I have less coming in.

 

I spoke to someone last month and managed to get a payment holiday meaning instead of my loan ending on the 15/12/2014 it now ends on 15/01/2015. This was via the live chat and the "compromise" that we got to after half an hour trying to arrange a payment plan.

 

I want to pay what is owed but need more time. I have other debts that I need to deal with and I have to say that while others have been helpful- Pounds to Pocket have been a pain in the backside.

 

Any advice on how to deal with them?

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Block the method you are paying them. And write to them. Dont use live chat. You tell them what you are paying and send a budget summary to back it up. Dont be forced into what they decide.


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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Thanks for your reply renegadeimp. I like your cut of the jib!

 

I'm not feeling forced and I'm definitely not scared of them.

 

I take it a budget summary is a I&E form but not quite as in depth. I've cobbled something together which has my outgoings and how much I have left at the end of the month and an amount I'm able to pay back. Would this be sufficient?

 

I don't mind dealing with it via Email if that's possible. I travel for work a lot and hardly home to see their postal correspondence.

 

Much obliged

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Sorry to add to this, anyone got an email address I can deal with that doesn't involve Live Chat? They are blinking useless so any one in particular I can email and get something sorted.

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I have private messaged a link that contains email addresses and telephone numbers for them.. We really don't want to be advertising for them, so please don put the link in your thread.


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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

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Thanks for sending me that. I have emailed them and recieved a reply. They are asking me to complete a hardship form which details quite intrusively what my incoming and outgoings are. Is it wise to fill this out?

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Nope. They are only entitled to a very simple budget summary. Nothing more.


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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Only the simplest of details are required, if any. If you can only afford a couple of pounds per month, tell them and start making those payments now. Tell them it will increase as your circumstances improve, but please do it in writing even if you don't get to see the reply. Send it by recorded delivery and then you will know they received it.

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I didn't see this before I emailed them back a very basic income sheet detailing and an offer of payment.

 

They sent me a reply within a few hours via email with a payment plan and their banking details. I will set up a standing order and keep very close watch.

 

I did however receive another email with the subject of "Notice of Acceleration: Your Entire Loan Balance is Now Due" - i can only assume this is because of the payment plan.

 

I am thinking it is automated as I have already got a confirmation of the payment plan. I will be writing them a letter asking for confirmation of the payment plan before the first payment is due.

 

Thanks

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