Jump to content

 

BankFodder BankFodder


  • Tweets

  • Posts

    • 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...
    • Many households heated by oil are stocking up on cheap fuel during lockdown. View the full article
    • 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?
    • Hi JeelyM and welcome to CAG   1. Do you have the details of the person you bought the bike from.   2. Did you go to their address when you bought it.   3. Did you pay cash for it or what other means.   4. Did you pay the full market for buying the bike.   5. What did you pay.   6. Give us make and model of the bike please.
  • Our picks

    • View this quiz Employment status during COVID-19
      What do you do if you’ve been told not to come to work due to the current crisis.  Watch the video here or on the Youth Consumer Service Instagram page.

      Did you learn anything? Do the quiz
       
       
      Submitter BankFodder Type One Right Answer Time 5 minutes Total Questions 8 Category The Youth Consumer Service Submitted 15/05/20  
      • 0 replies
    • One Parking Solutions - Damning judgement. Read more at https://www.consumeractiongroup.co.uk/topic/421148-one-parking-solutions-damning-judgement/
        • Thanks
        • Like
      • 66 replies
    • View this quiz Coping with extreme hardship
      Life can be tough when you're entering the world of work and in the present virus crisis, things are even more difficult.

      Watch the video below or go to the Youth Consumer Service Instagram page . Afterwards, you can see if you've understood the points which are being made by taking the quiz.
       
       
      Submitter BankFodder Type One Right Answer Time 5 minutes Total Questions 8 Category The Youth Consumer Service Submitted 15/05/20  
      • 1 reply
    • View this quiz: Pre-pay meters
      An explanation of how some gas and electric companies offer emergency quarantine support.

       
      Watch the video here – or go to the Youth Consumer Service Instagram page and watch it there. Then come back here and do the quiz
       
       
      Submitter BankFodder Type One Right Answer Time 5 minutes Total Questions 6 Category The Youth Consumer Service Submitted 15/05/20  
      • 1 reply
mystic_bertie

£15k Debt, 7 Creditors, Can I Get It Reduced If I Pay In Full

Recommended Posts

though a CCA return that maybe compliant with the act does not mean its an agreement that will stand up in court


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

Ok thanks for your advice, i will update my address with the creditors.

I have the default dates and they have all passed the 6 years term on my credit file.

So does that mean these are all statue barred? :)

I was in Scotland so the limit is 5 years.

 

I read in Step change website regarding the 5 years 'extinguished' debt in Scotland and it also says it can start from when 'The last time you wrote to the creditor acknowledging that you owed the debt' .

I dont know if that applies to me.

Also i was making token payments up until 1 year ago.

 

 

Barclaycard (originally Barclaycard credit card) = £2972 / default date 11/02/11

RBS Natwest cards (originally Ulsterbank credit card) = £2216 / default date 28/09/10

Moorgate Loan services (originally MBNA credit card) = £2997 / default date 31/01/11

Moorgate Loan Services (originally MBNA credit card) = £2555 / default date 31/12/10

LLoyds Bank (originally Bank of Scotland overdraught) = £2005 / default date 13/12/10

LLoyds Bank (originally Bank of Scotland credit card) = £1959 / default date 24/12/10

Link Financial Outsourcing (originally barclaycard credit card) = £904 / default date 10/12/10

 

though a CCA return that maybe compliant with the act does not mean its an agreement that will stand up in court

 

Ok many thanks for clearing this up ;)

Share this post


Link to post
Share on other sites

can't be sB'd if you've been paying.

 

the CCa served two purposes

update address

and strict proof line.


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

So rather than post every time i receive different threat letters, what ones should i worry about, actual court action?

Share this post


Link to post
Share on other sites

A court claim YES defo!!!

 

When was the last time you paid these token payments?

AND who was getting paid?

 

A written acknowledgement of owing a debt will reset the clock yes, as does token payments.

 

Have you been receiving 'statements of account' each year for each of the debts?


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites

Ok i will act swiftly if i get threatened with a court claim. I hope that never happens.

 

I paid them last roughly last April 2016. It was through Step Change. ALl of my creditors were getting £1.

 

I have not been getting statements of the debt.

Share this post


Link to post
Share on other sites

Yea just come straight here

 

You'll get all manner of clever letters

Which if you read them carefully and properly

Don't actually say they WILL be doing anything they threaten

 

The golden rule is..........

 

A DCA is NOT a BAILIFF

And never ever can be

They have absolutely no legal powers whatsoever

Other than what you or I have

 

The same goes for any doorsteppers from them


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

Thanks for your helpful reply. I can relax a bit now i know how to handle the threats.

Share this post


Link to post
Share on other sites

I have received a letter from Moorcroft saying that a representative will call on the 4rth of next month it will be a MR H Nicely. Should i answer the door or should i pretend i dont live at this address?

Share this post


Link to post
Share on other sites

Maybe he be Nicely to you are they real ,

tell them to shut the gate on the way out and have phone in your hand to call the police (or Mafia) if they do not leave forthwith!


:mad2::-x:jaw::sad:

Share this post


Link to post
Share on other sites

Ok i will do that, many thanks for your advise.

I dont have the Mafia's phone number so it will need to be the police. :-(

Share this post


Link to post
Share on other sites
I have received a letter from Moorcroft saying that a representative will call on the 4rth of next month it will be a MR H Nicely. Should i answer the door or should i pretend i dont live at this address?

 

IMO, if they ''DON'T'' turn up on the fourth, then make a complaint, and ''IF'' they do turn up, make a complaint.

 

Complain to your local MP. Ask them to look into the use of threatening language designed purely to intimidate alleged debtors in their own home.

 

I'd make sure I was in on that day, and I'd be ring moorcr@p every hour demanding to know why their powerless gopher hasn't arrived yet.

 

In essence, there is absolutely diddly squat one of their officious members of the public can do, tell them to jog on, as for pretending not to live at your address, what in gods name do you think that will achieve?

 

Nothing, don't be scared of these clowns, they are the ones running scared, because the public are getting savvy to their idle threats and hot air.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites

Well its 4.20pm and no sign of Mr Nicely so far.

 

I am afraid im very very busy,

i dont have time to harass these idiots the way i would like to,

im dealing with other things in life that stresses me,

 

 

i get worked up too easily and so i try to avoid talking to these numpties on the phone.

It not the same because you're not really allowed to swear any more ha ha.

 

I will take the advice given and ask them to leave and stop trespassing.

Share this post


Link to post
Share on other sites

4.55, any sign of a crap rep?

 

how about invoicing them for the wasted time spent at home waiting for them :)


IMO

:-):rant:

 

Share this post


Link to post
Share on other sites

Lol "mr H nicely" Suuuuure. bet that guy doesnt exist.


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

Share this post


Link to post
Share on other sites
Lol "mr H nicely" Suuuuure. bet that guy doesnt exist.

 

I think you are right because he never turned up. Maybe they are giving me a false sense of security ha ha.

 

4.55, any sign of a crap rep?

 

how about invoicing them for the wasted time spent at home waiting for them :)

 

Good idea. I will also bill them for the tea and biscuits i had waiting for MR Nicely he he.

Share this post


Link to post
Share on other sites

 

 

 

now i want to buy a house and this has happened.

 

Good folks of CAG please advise :(

 

Your credit file sounds like a thing of beauty compared with mine, and I'm somehow getting a mortgage.

 

If you have a decent deposit, that will go a very long way to helping.

 

Here is what I have learnt,

 

1.Mortgage companies care about how good you have been in the last 12 months more than, cr*p that happened 5 years ago.

 

2. You might have to wait a few months after the default before you are eligible for the mortgage, no big deal house prices are stagnating anyway.

 

3. Pay day loans are the most toxic barriers to a mortgage, you will need to bay them off to be eligible, then wait for a further 3 months.

 

4. You will have to pay more interest than the average Joe, but still better than flushing it down the loo paying rent.

 

5. Deposit, Deposit, Deposit. This covers up a multitude of sins. If you can put down 20% you are hardly going to run off to Brazil at the first sign of trouble!

 

Hope this makes you feel better


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

Many thanks for your reply and it does make me feel better to know you are getting a mortgage so well done. I can only manage about 10% deposit at the moment, i could get more but it would mean selling my car and i dont really want to do that right now.

 

Im a self employed contractor and so it looks like im needing to find a mortgage broker anyway so hopefully they can advise how the default might affect any application i make.

Share this post


Link to post
Share on other sites

Unlocked

  • Thanks 1

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 The National Consumer Service

 

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

I have created 2 new topics one for each BC debt with link

 

 

 

 

please now post on those threads with any releveant updates to each from now on

 

dx

 

 

 

  • Thanks 1

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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

Many thanks dx.  Am i right in thinking they are not taking any further action at the moment? ;) Thanks 

Share this post


Link to post
Share on other sites

which debt post on the right thread please

 

dx

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

I apologise i just seen you had replied on the new posts you have made, i never got a notification, thanks, i will reply on there. ;)

Share this post


Link to post
Share on other sites
Posted (edited)

Yes, you can negotiate with them by using the company that I am spamming for – Backdoor Hires which is based in the USA, the UK and Australia.

 

I am a spammer and you would probably be best off avoiding any company which has to promote its business in this way

 

<a href= "https://www.backdoorhires.com/" > I spam for – Back Door Hire Solutions </a> 

 

Edited by BankFodder
Spammer identified and outed

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...