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    • Hi and Welcome to CAG   I have moved your topic to the appropriate forum Mortgages and Secured Loans please continue to post here.   Have you actually checked your CRAs yourself...you say you have been advised...what is showing ?   Andy
    • Yes not much happening at the moment...you could complete your DQ in the meantime...dont submit until advised by the court.      
    • Hi, has anyone had any experience with Barclays Mortgage options being incorrectly advised?   I went on maternity leave 6 months ago and went to Barclays to see what options where in terms of my mortgage. All I was advised was a reduction in my mortgage for 6 months which would result in arrears for six months.   I was not advised of any alternative options eg mortgage holiday or interest only. I have now been advised that Barclays have logged arrears and missed payments on my credit file which was not explained to me. I have sought advise from a financial expert who has advised I have been misinformed.   Has anyone had any experience with dealing with something similar?
    • I've had a read of the council tax 92 regs (admin & enforc).    Section 2 - seems to cover how correspondence concerning a property should be addressed.    I have the following query:   I notified my council by email (lots of messages to and fro) and sent copy of Order - all got resolved, refunds made, property labelled as exempt.    The next  physical letter for the property I still received (on divert). The letter was not in my name.  It was labelled 'The c tax payer'.    I had not given council a forwarding address.    I had email advised I was temp residing elsewhere - so all communication to me, about me, was to be done just by email.    I had also redacted the bank's name on the Order.   Why would the council - as seen in sar - subsequently send letters addressed to me c/o the bank's address?      The council clearly didn't get the bank's details from me. Is it possible bank 'pretended' to be me, used their address as 'my' forwarding contact address?     The property is exempt - so there is no need for 'my' name to be on council records, let alone c/o the bank. How can I find out what has happened?  And can I easily remove the 'wrong' address attached to my name?   dx - these people are trying all sorts of underhand tricks - they are awful.  A barrister friend likened it to "they think they are above the law; they keep trying to circumvent it for their own purposes - and it won't work".     re: the court - they still haven't served sd and their B petition thus got adjourned.  None of this was disclosed in the sar.      Are they now supposed to locate me and issue a proper sd - before the adjourned case  - which they haven't told me about...    Out of curiosity - in the midst of nationwide lock-down how can anyone be served?
    • you need to use our custom google search box which if does not show on the current page you are viewing it appears after hitting our top square logo and get reading up on like 'parcel lost court claim' or such words you think fit,  to fully understand and get familiar the correct process.   like https://cse.google.com/cse?cx=partner-pub-8889411648654839:3134625398&q=parcel lost court claim&oq=parcel lost court claim&gs_l=partner-generic.3...442891.450854.0.451334.23.23.0.0.0.0.178.1914.22j1.23.0.gsnos%2Cn%3D13...0.8008j3413106j23...1.34.partner-generic..17.6.601.rSZ-hV4HSXs   though you must be mindful that during and for a longtime after, the current situation we see ourselves in, nothing much might well happen for well on a year as the courts will need to catch up.    re:   
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Arty dinmore

Told to go private by NHS doctor

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Hi I wonder if someone could help me? :|

 

I've had a wart on my finger for quite sometime, my NHS doctors tried freezing it with a nitrogen gun on a few occasions which didn't work & I tried various ointments I purchased at the chemist or online plus various alternative methods but the wart just got bigger. My last visit to the doctor I was told that I would have to go private because the NHS didn't cover the removal of warts. I paid to see a private consultant who prescribed me a stronger acid treatment the prescription of which has been referred to my NHS doctor who apparently can prescribe it for me. So why couldn't my doctor prescribe it for me in the first place. Why did it cost me £155.00 to get my NHS doctor to give me something they could've given me in the first place...? :pout::

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Hi I wonder if someone could help me? :|

 

I've had a wart on my finger for quite sometime, my NHS doctors tried freezing it with a nitrogen gun on a few occasions which didn't work & I tried various ointments I purchased at the chemist or online plus various alternative methods but the wart just got bigger. My last visit to the doctor I was told that I would have to go private because the NHS didn't cover the removal of warts. I paid to see a private consultant who prescribed me a stronger acid treatment the prescription of which has been referred to my NHS doctor who apparently can prescribe it for me. So why couldn't my doctor prescribe it for me in the first place. Why did it cost me £155.00 to get my NHS doctor to give me something they could've given me in the first place...? :pout::

 

Analogy:

 

I was the appellant to the High Court.

My solicitor advocate (legal aid funded) told me to get Counsel's opinion, but I'd have to pay for it myself.

That barrister offered the opinion, then offered to present it in court, but my solicitor could do so.

My solicitor did so, successfully.

 

Should I have to pay the barrister's fee?. After all, all they did was offer specialist advice, which the solicitor used and put into action.

 

Now replace solicitor with GP, barrister with specialist, and counsel's opinion with advice on treatment.

 

Your were paying for the advice on choice of treatment rather than the physical treatment itself.

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Your Doctor might not have had the necessary knowledge of this other acid and experience of whether it might work or not. If you have not used it yet, it still might not work.


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Roll up a small ball of cotton wool and soak it in vinegar. Hold it on the wart with a sticking plaster with glue all the way around.

 

Renew the cotton wool, vinegar and plaster everyday for two or three weeks and the wart will certainly disappear.

 

H


40 years at the pointy end of the motor trade. :eek:

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I like that one Hammy, :) the problem is I can't obide the amonia smell. :(

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Who has the wart?

"Arty dinmore" or "WarrenBuffet", or both?

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Who has the wart?

"Arty dinmore" or "WarrenBuffet", or both?

 

Thankfully not me Bazza. :) touching wood!

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But vinegar doesn't smell of ammonia, it smells of vinegar.......................................

 

Plus the small quantity used doesn't smell at all.

 

Who said anything about ammonia, i don't think it would be a good idea to put that on yourself.

 

H


40 years at the pointy end of the motor trade. :eek:

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I’m not sure I agree with you BazzaS, without knowing the breakdown of the costs. I’m assuming part of the fee is the private doctor’s consultation fee, which could have been avoided.

To adapt your anaology, if I went to a (legal-aid) solicitor and he sent me to another (fee charging) solicitor, when another solicitor in his own practice could have provided the information free of charge, I would be annoyed.

Never just to take the doctor’s word, but use every other resource at your disposal to find a solution.

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But vinegar doesn't smell of ammonia, it smells of vinegar.......................................

 

Plus the small quantity used doesn't smell at all.

 

Who said anything about ammonia, i don't think it would be a good idea to put that on yourself.

 

H

 

 

The point was H that the caustic smell of vinegar is often confused with ammonia eg: window cleaner.

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I’m not sure I agree with you BazzaS, without knowing the breakdown of the costs. I’m assuming part of the fee is the private doctor’s consultation fee, which could have been avoided.

To adapt your anaology, if I went to a (legal-aid) solicitor and he sent me to another (fee charging) solicitor, when another solicitor in his own practice could have provided the information free of charge, I would be annoyed.

Never just to take the doctor’s word, but use every other resource at your disposal to find a solution.

 

How do we know another GP would have suggested the more potent treatment?

The GP might have been the one in the practice with the greatest interest / experience in dermatology ...... hence in my analogy solicitor -> barrister for Counsel's opinion, not "solicitor to solicitor"

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How do you know he would not?

 

 

How can we have any faith in the new proposed policy of doctors giving patients 'all the options' when they are not sufficiently knowledgeable and are too busy/unwilling to seek out the answers? The private doctor, after all, was most likely trained and employed by the NHS.

 

 

Quite frankly, I would have questioned the doctor's initial response that the NHS does not remove warts. I can find no reference to this on NHS.UK to say that this is the case. Quite the reverse.

 

 

If pharmacy treatments haven't helped, your GP may try freezing the wart off with liquid nitrogen (cryotherapy). This will take a number of sessions and can be painful. It can also sometimes lead to blistering, infection and scarring.

 

If this doesn't work, they may be able to refer you to a skin doctor (dermatologist) for specialist treatments such as a minor operation, laser therapy or stronger creams.

 

 

 

 

Never just believe. Question everything.

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