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    • Please see my comments in orange within your post.
    • no i meant the email from parcel2go which email address did they send it from and who signed it off (whos name is at the bottom)
    • I understand confusion with this thread.  I tried to keep threads separate because there have been so many angles.    But a team member merged them all.  This is why it's hard to keep track. This forum exists to help little people fight injustice - however big or small.  Im here to try get a decent resolution. Not to give in to the ' big boys'. My "matter' became complicated 'matters' simply because a lender refused to sell a property. What can I say?  I'll try in a nutshell to give an overview: There's a long lease property. I originally bought it short lease with a s.146 on it from original freeholder.  I had no concerns. So lender should have been able to sell a well-maintained lovely long lease property.  The property was great. The issue is not the property.  Economy, sdlt increases, elections, brexit, covid, interest hikes etc didn't help.  The issue is simple - the lender wanted to keep it.   House or Flat? Before repo I offered to clear my loan.  I was a bit short and lender refused.  They said (recorded) they thought the property was worth much more and they were happy to keep accruing interest (in their benefit) until it reached a point where they felt they could repo and still easily quickly sell to get their £s back.  This was a mistake.  The market was (and is) tough.   2y later the lender ceo bid the same sum to buy the property for himself. He'd rejected higher offers in the intervening period whilst accruing interest. Lenders have a legal obligation to sell the property for the best price they can get. If they feel the offer is low they won't sell it, because it's likely the borrower will say the same. I had the property under offer to a fantastic niche buyer but lender rushed to repo and buyer got spooked and walked.  It had taken a long time to find such a lucrative buyer.  A sale which would have resulted in £s and another asset for me. Post repo lender had 1 offer immediately.  But dragged out the process for >1y - allegedly trying to get other offers. But disclosure shows there was only one valid buyer. Again, points as above. Lender appointed receiver (after 4 months) - simply to try acquire the freehold.  He used his powers as receiver to use me, as leaseholder, to serve notice on freeholders.  Legally that failed. Meanwhile lender failed to secure property - and squatters got in (3 times).  And they failed to maintain it.  So freeholders served a dilapidations notice (external) - on me as leaseholder (cc-ed to lender).   (That's how it works legally) Why serve a delapidations notice? If it's in the terms of the lease to maintain the property to a good standard, then serve an S146 notice instead as it's a clear breach of the lease. I don't own the freehold.  But I am a trustee and have to do right by the freeholders.  This is where matters got/ get complicated.  And probably lose most caggers.   Lawyers got involved for the freeholders to firstly void the receiver enfranchisement notice. Secondly, to serve the dilapidations notice.  The lack of maintenance was in breach of lease and had to be served to protect fh asset. Enfranchisement isn't something that can be "voided", it's in the Leasehold Reform Act 1967 that leaseholders have the right to buy the freehold of the property. It's normal, whether it is a "normal" leaseholder or a repossession with a leasehold house, to claim this right of enfranchisement and sell the property with said rights attached and the purchase price of the freehold included in the final completion price. That's likely what the mortgage provider wished to do. The lender did no repairs. They said a buyer would undertake them. Which was probably correct. If they had sold. After 1y lender finally agreed to sell to the 1st offeror and contracts went with lawyers.  Within 1 month lender reneged.  Lender tried to suggest buyer walked. Evidence shows he/ his lawyers continued trying to exchange (cash) for 4 months.  Evidence shows lender and receiver strategy had been to renege and for ceo to take control.   I still think that's their plan. Redact and scan said evidence up for others to look at? Lender then stupidly chose to pretty much bulldoze the property.  Other stuff was going on in the background. After repo I was in touch by phone and email and lender knew post got to me.   Despite this, after about 10 months (before and then during covid), they deliberately sent SDs and eventually a B petition to an incorrect address and an obscure small court.  They never served me properly.  (In hindsight I understand they hoped to get a backdoor B - so they could keep the property that way.)  Eventually the random court told them to email me by way of service.  At this point their ruse to make me B failed.  I got a lawyer (friend paid). The B petition was struck out. They’d failed to include the property as an asset. They were in breach of insolvency rules. So this is dealt with then. Simultaneously the receiver again appointed lawyers to act on my behalf as leaseholder. This time to serve notice on the freeholders for a lease extension.  He had hoped to try and vary the strict lease. Evidence shows the already long length of lease wasn't an issue.  The lender obviously hoped to get round their lack of permission to do works (which they were already doing) by hoping to remove the strict clauses that prevent leaseholder doing alterations.  You wouldn't vary a lease through a lease extension. You'd need a Deed of Variation for that. This may be done at the same time but the lease has already been extended once and that's all they have a right to. The extension created a new legal angle for me to deal with.  I had to act as trustee for freeholders against me as leaseholder/ the receiver.  Inconsistencies and incompetence by receiver lawyers dragged this out 3y.  It still isn't properly resolved. The lease has already been extended once so they have no right to another extension. It seems pretty easy to just get the lawyer to say no and stick by those terms as the law is on your side there. Meanwhile - going back to the the works the lender undertook. The works were consciously in breach of lease.  The lender hadn't remedied the breaches listed in the dilapidations notice.  They destroyed the property.  The trustees compiled all evidence.  The freeholders lawyers then served a forfeiture notice. This notice started a different legal battle. I was acting for the freeholders against what the lender had done on my behalf as leaseholder.  This legal battle took 3y to resolve. Again, order them to revert it as they didn't have permission to do the works, or else serve an S146 notice for breach of the lease. The simple exit would have been for lender to sell. A simple agreement to remedy the breaches and recompense the freeholders in compensation - and there's have been clean title to sell.  That option was proposed to them.   This happened by way of mediation for all parties 2y ago.  A resolution option was put forward and in principle agreed.  But immediately after the lender lawyers failed to engage.  A hard lesson to learn - mediation cannot be referred to in court. It's considered w/o prejudice. The steps they took have made no difference to their ability to sell the property.  Almost 3y since they finished works they still haven't sold. ** ** I followed up some leads myself.  A qualified cash buyer offered me a substantial sum.  The lender and receiver both refused it.   I found another offer in disclosure.  6 months later someone had apparently offered a substantial sum via an agent.  The receiver again rejected it.  The problem of course was that the agent had inflated the market price to get the business. But no-one was or is ever going to offer their list price.  Yet the receiver wanted/wants to hold out for the list price.  Which means 1y later not only has it not sold - disclosure shows few viewings and zero interest.  It's transparently over-priced.  And tarnished. For those asking why I don't give up - I couldn't/ can't.  Firstly I have fiduciary duties as a trustee. Secondly, legal advice indicates I (as leaseholder) could succeed with a large compensation claim v the lender.  Also - I started a claim v my old lawyer and the firm immediately reimbursed some £s. That was encouraging.  And a sign to continue.  So I'm going for compensation.  I had finance in place (via friend) to do a deal and take the property back off the lender - and that lawyer messed up bad.   He should have done a deal.  Instead further years have been wasted.   Maybe I only get back my lost savings - but that will be a result.   If I can add some kind of complaint/ claim v the receiver's conscious impropriety I will do so.   I have been left with nothing - so fighting for something is worth it. The lender wants to talk re a form of settlement.  Similar to my proposal 2y ago.  I have a pretty clear idea of what that means to me.  This is exactly why I do not give up.  And why I continue to ask for snippets of advice/ pointers on cag.  
    • It was all my own work based on my previous emails to P2G which Bank has seen.
    • I was referring to #415 where you wrote "I was forced to try to sell - and couldn't." . And nearer the start in #79 .. "I couldn't sell.  I had an incredibly valuable asset. Huge equity.  But the interest accrued / the property market suffered and I couldn't find a buyer even at a level just to clear the debt." In #194 you said you'd tried to sell for four years.  The reason for these points is that a lot of the claims against for example your surveyor, solicitor, broker, the lender and now the receiver are mainly founded in a belief that they should have been able to do something but did not. Things that might seem self evident to you but not necessarily to others. Pressing these claims may well need a bit more hard evidence, rather than an appeal to common sense. Can you show evidence of similar properties, with similar freehold issues, selling readily? And solid reasons why the lender should have been able to sell when you couldn't.
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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Patients less satisfied by GP's who prescribe less antibiotics


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An interesting story for general practice this morning.

 

The post on the BBC website today links patient satisfaction with GP antibiotic prescribing levels.

 

http://www.bbc.co.uk/news/health-35008128

As a practice manager I've seen this myself, people wanting to complain that their request for antibiotics (ABx) has been refused, normally accompanied by "well, Dr. X always gave them to me..."

We have a nickname for GP's who prescribe appropriately, Dr. No! Because it seems they spend much of their day saying just that. You find that most younger GP's are quickly labelled as a Dr. No and they quiclky develop a whole tranche of patients who don't want to see them and would sooner see the older, 'easier' GP.

Is it down to GP's who are less strong willed in the past changing public perception and expectations? I think it might be, it's far 'easier' to give someone what they want, but is it clinically appropriate? No, of course not. It was only in August this year that GP's were threatened by NICE with being disciplined for prescribing too many ABx(http://www.bbc.co.uk/news/health-33961241)

So, what's your take on it?

Are you left feeling short changed when you leave the surgery empty handed?

Are you happy that your GP is one of the stronger, more clinically adept ones who prescribe appropriately or would you prefer one that NICE want disciplined/struck off?

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There's a notice up in my GP surgery saying that antibiotics won't cure things like colds and you shouldn't make an appointment for things like that. You're advised to seek advice from the chemist.

 

I've needed antibiotics once. Or rather, we didn't have a clue what the problem was at all and was told by the GP it's an infection. That and everything that followed, was not what I was expecting at all.

 

I do remember this year asking for a GP appointment and got asked what the problem was and explained that I thought I'd done something to my kidneys. (I'm on something which can cause kidney problems) As requested, I'd done a urine sample and came back later that day. I was rather embarrassed to be told by the GP "you've just pulled something".

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I would rather have a GP who takes time to listen to my problem, is more up to date and isn't too keen to simply palm me off with a prescription.

 

For years I had one of the GPs who only wanted print off a prescription and it was only about 12 years ago when a younger GP actually delved deeper - stopped issuing pills that were doing more harm than good and set off a train of events that was able to see me receive treatment; that whilst it wont cure the illness, has certainly gone a long way to giving me the opportunity to live my life more comfortably.

 

I have heard stories of patients telling their GP what is wrong with them and demanding treatments/prescriptions and then not being happy when the GP tries to tell them that what they are asking is inappropriate.

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I'm similar, I've only ever really needed ABx once or twice for pretty unpleasant sinus infections that have left me with rigors and raging temperatures. I won't take them for many other things, they're often hugely unpleasant in terms of their side effects and I'd sooner save them for if I ever 'really' need them.

 

The phrase I hear a lot about the Dr. No's that I've worked with and known is that people come out saying "I'm not seeing them again, I didn't get anything..." and I tend to bite my tongue when perhaps I shouldn't. The patient may well have come out of the consulting room empty handed but they have benefitted from that GP's experience, training and knowledge and by choosing to not issue ABx the GP is helping that person. Unfortunately, me included here, we all like a quick resolution when we're unwell and for many people it's easy to believe that the answer is in a box of ABx rather than letting nature take its course.

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Couldn't agree more about the need for doctors to be 'resistant' to the superfluous prescribing of antibiotics. Quite apart from the unnececessary NHS expense and the total inefficacy in so many individual cases, I read with alarm about what seems to be genuine and shared scientific concern about the increasing resistance of many type of bug to antibiotics where they would normally be considered appropriate, and effective. It appears that indiscriminate prescribing may be at least partly to blame.

 

This is not just objective altruism on my part. Every few years I tend to develop a condition which if treated speedily is minor, but left untreated can be much more serious. High dose penicillin has sorted it out within a few days in the past. I would like it to stay that way for the next time.

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I'm similar, I've only ever really needed ABx once or twice for pretty unpleasant sinus infections that have left me with rigors and raging temperatures. I won't take them for many other things, they're often hugely unpleasant in terms of their side effects and I'd sooner save them for if I ever 'really' need them.

 

The phrase I hear a lot about the Dr. No's that I've worked with and known is that people come out saying "I'm not seeing them again, I didn't get anything..." and I tend to bite my tongue when perhaps I shouldn't. The patient may well have come out of the consulting room empty handed but they have benefitted from that GP's experience, training and knowledge and by choosing to not issue ABx the GP is helping that person. Unfortunately, me included here, we all like a quick resolution when we're unwell and for many people it's easy to believe that the answer is in a box of ABx rather than letting nature take its course.

 

Sorry it is so technical but :

http://promedmail.org/post/3820586

 

To summarise : an organism that NONE of the antibiotics currently in use that might cover that bug was isolated from a clinical sample.

 

The great and the good (WHO, the Chief Medical Officer for England) talk about the risk of antibiotic over prescribing and a "post antibiotic era" where the antibiotics we have don't work due to resistance

 

To those patients who you have to bite your tongue : it'd take time but can someone explain it to them?

Even better if there are patients in their 80's and 90's who can remember people dying of scarlet fever and houses with sheets doused in Lysol up in the doorways to stop the bug spreading

(As a child my sister got scarlet fever. That is what my Gran wanted to do. The GP said "we don't do that anymore - she just gets 10 days penicillin)

 

It depends if people want to go back to that pre-Antibiotic era.

They need to understand the risks.

 

It isn't "you won't get antibiotics" : it should be "you get antibiotics when you need them : the right one at the right dose for the right length of time, then stop"

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Back in 1955, the GP we had at the time started to prescribe penicillin for absolutely everything Mum took us to the doctor for.. overprescribing meant that I am now allergic to this one.

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Curbing the over-use of anti-biotics is everyone's responsibility.

 

Otherwise healthy individuals should not expect them to be dished out for minor ailments or where the cause is obviously viral.

 

Doctors should not be so quick to indulge patients. They are meant to be the knowledgeable professional. After all, it is possible that at some point in the future their own lives and the lives of their loved-ones could be at risk. Use what's left of the ten minute appointment explaining the consequences of overuse of these medicines. Hopefully, the message will get through to some.

 

Obviously what we need is a quick way (I mean in hours) of identifying whether an anti-biotic, (and which one), will be effective as a treatment.

 

This is a world-wide issue. Anti-biotics are available like smarties in places like India, so acting alone will not protect us.

 

Lastly, the world needs to be willing to fund research into new anti-biotics, otherwise we will be back to Darwin's survival of the fittest...or perhaps it was always thus.

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http://www.bbc.co.uk/news/health-35030262

 

Farmers need to dramatically cut the amount of antibiotics used in agriculture, because of the threat to human health, a report says.

 

Some infections are becoming almost impossible to treat, because of the excessive use of antibiotics.

 

And more than half of those used around the world are used in animals, often to make them grow more quickly.

 

 

 

Saw this on the news earlier on. Apparently the amount of antibiotics in Animal feed is also a cause for concern

 

 

In the US alone, every year, 3,400 tonnes of antibiotics are used on patients, while 8,900 tonnes are used on animals.

 

The economist who led the review, Jim O'Neill, said such figures were simply "staggering" and 10 million people would die each year from drug-resistant infections by 2050.

 

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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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I found at my old GP surgery there seemed to be GPs who were rather quick to hand out medication instead of trying to find out what was wrong. There was one GP who would try to find out was actually wrong.

 

Anyway, I was having some quite serious neck problems and had been given Naproxen which did nothing and had been asked to return 2 weeks later. I saw a GP (the one mentioned above) who said "I have no idea what's wrong with you. So, I'm going to refer you to someone who knows more than me". He is a really good GP.

 

There are certain GPs I have refused to see. But one has sat there and told me I'm faking all the problems I'm having because the scan says so and do I want talking therapy. You can't see pain. I've had some who have ignored my symptoms completely. I remember my mum telling the neurologist that she'd constantly take me to the doctors as a child because I'd vomit at night, only to be told there's nothing wrong and she's imagining the whole thing. We discovered some years later, she was right all along.

 

No problems so far at current surgery. Have a few times gone in there hoping for something to happen (ie, I can't use eye drops and need gel) and haven't had any problems at all. Although, last time, I didn't just walk in and say "I want a referral please".

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