Jump to content


  • Tweets

  • Posts

    • 1. no it isnt. Fairways lettings agency? they dont own the site so start researching rather than guessing or making assumptions. If you start with that frame of mind you give away half of the protection of the POFA as they ahve so far failed to identify the land and that is a winning point on its own if you use it correctly. start making things up and none of your evidence will be believed on the day. Rubbish their evidence in one area and anything they say will be considered dubious unless proven 100% 2. are they adopted?- ask the council 3 the signage is prohibitive so not a genuine offer of terms- read up on it there are plenty of previous cases in the parking prasnksters blogspot. 4 tenacy agreement is not the document that matters you need to look at the deeds to the property- that will cost you £3 online 5 answered in my previous reply ASK THE COUNCIL.   please read and digest what people say or you will end up dropping yourself in it.   As for the image of a parking space with a fence behind it there is no signage attached to that location so how did the parking co draw your attention to any conditiond for parking there as their signs dont refer to your circumstance nor that place as the terms are for "designated bays". This is very specific
    • Stop engaging with them by phone, they are trained to make you agree to things that are in their interest. Everything in writing by post with proof of posting.  Ignore all phone calls, emails and Texts!   Also they are powerless, ignore them. Unless you get a PAP letter telling you they are going to take you to court, in which case you run it past this thread.    Just make sure they have your current address.
    • yep, there are 2 online versions of the process and whichever you use is quicker than post and you dont have to send a copy to the claimant then.
    • follow this you DONT send an SAR but a CPR    pop up on the MCOL website detailed on the claimform. .  register as an individual  note the long gateway number given  then log in .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked.  click thru to the end  confirm and exit MCOL. ..  get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant] . no need to sign anything . you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]
  • Our picks

Angel104

TSB Credit cards want access to my medical records

style="text-align:center;"> Please note that this topic has not had any new posts for the last 1219 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I got behind with my TSB credit card payments because I have been off work due to illness.

 

 

I sent TSB a valid sick certificate signed by my doctor.

 

 

They have now sent me a large form which not only has to be filled out by a doctor

but if I sign it will give them access to my medical records.

 

 

I told them that they have a medical certificate and they are insisting I sign the form or face legal action.

 

 

Can they do this?

Share this post


Link to post
Share on other sites

No they cannot


If I have been of any help, please click on my star and leave a note to let me know, thank you.

Share this post


Link to post
Share on other sites

No, they cant force you to supply proof of medical.

 

 

But by supplying proof of medical, it may stave off legal action.

 

 

They don't want access to your full history,

they just want to know that your current situation is something that will improve.

 

 

A sick certificate may not provide enough proof to satisfy them.

 

 

Obviously, like mm says, they cant force you too,

 

 

but that may just mean they start legal proceedings quicker.

 

 

Up to you.

Share this post


Link to post
Share on other sites

TSB start legal proceedings..pigs might fly too

 

 

they'll sell the debt on.

 

 

tel us the full history of the card.

 

 

have you all the statements?

 

 

got PPI or PENALTY [£12 fees] charged

 

 

have they trashed your credit rating.

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

Just my 2p worth.

 

I've been on this site for 9 years and site staff for a few years.

 

I have been of sick with a slipped disk for 10 months and had the following

 

1) Capital One

2) Aqua

3) Barclaycard

4) Argos card

 

The very first thing that I choose to do when I knew I was going to be off sick was send a copy of the consultants report to every company. NO that don't have any right to se it, but it's their money and I owed it.

 

EVERY single company reduced my minimum payment to £10 (thats's what I asked for) a month and stopped ALL interest.

 

So you can either be a pratt and stamp your feet and tell them they have no rights whatsoever, or sometimes, give them a chance. I know what I would (DID) do.

 

Offer what you can afford and sent them the proof you are in trouble.

 

Jogs

Share this post


Link to post
Share on other sites

Exactly, while we all hate the banks, sometimes working with them can produce the desired result. Sticking two fingers up at them will just make them take legal or sell it on.

 

I agree more info though. There may be charges to recoup and pay off some of the debt. But again, while that can be done, don't be surprised if they quickly take legal action after that or sell it on quicker.

DX, I would ask that you show the pictures of the flying pigs. I have seen warrants where TSB are the claimants and not just in name, but as a client too. I can assure you that they do take legal action when they want. If they don't want to, then they will sell it on.

Share this post


Link to post
Share on other sites

There is nothing wrong in giving them a redacted version either. But only a Judge can demand to see it and the they make the decision whether or not it is relevant.

 

 

Medical records are privileged and the debtor can chose not to supply full or even restricted access. If the DWP accept a note from the Dr's then the banks surely can as well. This is just plain wrong, in as much as why do they need to know the full story, let me explain.

 

 

An employer will accept the sick note to pay you SSP, the DWP will accept the note for benefits, PPI will normally except it for the payment of monies due under the insurance agreement, but no where will it state the debtor must give full disclosure.

 

 

The same goes for EA's they cannot demand access to your medical records either, a covering letter from the GP is all that is needed, stating what the illness is and if it is likely to be ongoing.

 

 

Furthermore even a Court of law will accept a Dr's note. Please be aware I am just pointing out the obvious here nothing more....


If I have been of any help, please click on my star and leave a note to let me know, thank you.

Share this post


Link to post
Share on other sites

A note to GTSTL this is why BCOBS is there to protect those that need or require it..... The bank must treat customers fairly and so on....


If I have been of any help, please click on my star and leave a note to let me know, thank you.

Share this post


Link to post
Share on other sites

Banks are not entitled to any confidential medical info, but some basic info which you agree can be released can be helpful. It depends on the nature of the medical condition and the purpose it serves. A Bank should not be retaining or sharing any medical information. It is purely for confirmation of the current health in relation to ability to handle finances.

 

It is quite possible for example that someone suffering from mental health conditions may be considered incapable of making financial decisions and they could face having their credit account frozen, so no further spending is allowed.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

Exactly, someone off work for mental illness and signed off by a doc, even with a covering letter from their doc doesn't mean that an ea cant enforce, not does it mean that a bank cant still collect. We would ask for proof it affects their ability to manage their daily life and finances or enforcement/collection by the bank etc can continue.

Refuse to give info if you want, but just a sick note most likely wont help you.

Dwp wont enquire further as they don't care whether you can pay a debt or not, they only look at if you can work, and if a doc signs you off, then your off, end of.

Your comments mm blur the lines and pull different sectors under one umbrella which doesn't make sense and nor does it help the op.

Share this post


Link to post
Share on other sites

You can specify how far back you are willing to allow them your medical records, simply specify it on the forms and keep a photocopy and then put it in writing to your doctor.

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...