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TSB Credit cards want access to my medical records


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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?

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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.

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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 don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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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

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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.

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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.

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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.

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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.

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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.

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