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    • 2 years ago I made a complaint against a GP at my surgery....the reply I received was the GP could not recall the events (in the complaint) because the GP see so many patients a day and the complaint I sent was 12 months after the event.   Now to what happened recently....   1. I had a appoointment at 10am with the same GP I had made a complaint againt over 1 year ago...I booked myself at reception and waited, waited when it was 10.20 I asked at receptionion when would I been seent, as my appointment was at 10am. A receptionist told me 'There has been an emergency of some kind with a patient...so that has caused a delay and your appointment will now be moved to another GP' - I asked why the appointment was moved and was told 'sorry I cannot tell you' and you will be seen soon.   2. 10.30am and still not been seen so I asked another receptionist, she checked the computer system and told me the GP (name) has refused to see me because I made a complaint against him over 12 months ago and now my appointment was being moved to a different GP and I had to wait. I told the receptionist this was wrong and the GP had to be impartial as a GP and he was making this personal by not seeing me.   3. Eventually I was called and saw a different GP and explained to him what happened and the GP I had originally had an appointment with had refused to see me because of a complaint I raised against him over 12 months ago. The GP I was with was shocked and surprised and told me that GP should not have refused to see me   NOW I need your help to write a complaint, please can you help me
    • ok...thank you. I have read the post (thank you for guiding me to that) and will write in similar thread.   My worry is that I lied to the inspector about not having used the card before. I also recall now that he did not ask me to sign the notes he took so I am worried I have no idea what he wrote down.    Without my signature on his notes, would this be admissible evidence in court?
    • what jokers a £5k loan now £q7k bet theres all sorts of arrears fees debt visits phone letter fees that can all be reclaimed at their int rate   get the statements quickly! sar tomorrow
    • no none at .....all waste of money. don't believe all those fake reviews.     dx  
    • Hiya   First time poster, but hopefully I can help you to resolve your matter.   I really empathise with your position. I received a visit from an equita baliff on 10 May 2019. The feeling was horrible and they were exceedingly polite but also inflexible and threatening. I was informed that they would clamp and remove my car.   The rationale behind this is that the Baliffs are not employees, they are sub-contractors paid based on the fees that they can generate. Taking a vehicle creates more fees. Unfortunately for them, there is a very quick process to get the matter resolved:   1) Phone the Traffic Enforcement Centre in Northampton - it is crucial to do this first thing in the morning. 2) Request permission to file an out of time witness statement (forms TE7 and TE9). Upon correct completion, the forms will be passed to the local authority and enforcement action will cease at that point. The TEC will inform you that the forms have been correctly filed and the action will cease. 3) Forward a copy of this email to equita 4) Contact the local authority directly and explain your circumstances. The local authority will be more sympathetic than the baliffs - especially if you are a vulnerable person. A manager within the local authority will have the authority (as the prosecuting party) to instruct the Baliffs not to continue and instruct them to waive their enforcement fees 5) To ensure that this goes smoothly, make sure you offer to pay the council what you owe and also cover the cost of the court filing fee. At this stage, it will be worth complying with the council and paying the c. £80.  
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    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
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    • This is a bit of a lengthy one but I’ll summerise best as possible.
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
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      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      Do you have a mortage arears claim to make? Then post your story on the forum here
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      • 0 replies

Struggling re Santander overdraft charges and repayment of loan.

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I'm at the end of my tether.

I'm with Santander bank, have been for many years and had no problems.

I've had several loans with them over the years,

never defaulted,

always paid them off in time.


I took out a loan with them in 2015 for £6300.

Monthly repayments of £139.90.


Then 14 mths months ago, as many people were, I was called in for a face-to- face 'assessment' with ATOS re my PIP (been on high rate DLA for both Care and Mobility since 2003, changed to PIP in 2013 without any assessment).


My payments were downgraded to 'Basic' for both Mobility and Care. I therefore lost £250 per month.


Since then I have struggled financially and been having to use my overdraft to LIVE.


For over a year now, every month, I am getting to the top of my overdraft limit £1,400), never have enough money going in to pay it all off and am getting charged every month £31 for using it (£1 per day).


Charges which have now totalled £434, which I can ill afford.


I rang the loan dept at the bank to request that I pay my loan back at a lower rate each month.


Spent 45 mins on the phone listing my incomings and outgoings to be told at the end of it that he didn't think there was any point passing me on to the their Debt help dept to lower the loan repayments as it looked (on paper) that I have X amount of 'disposable income' each month !.


I pointed out that I have NO disposable income because I have been living on Santander's money-(the overdraft) for over a year, the overdraft which he could clearly see I have been 'stuck in' and cannot pay off and which they are still charging fees for every month. He said there was nothing he could do to help me.


the call was a waste of time.


Since then, I read on this forum about the fact that Banks shouldn't be taking charges from people's benefit money.


I am on PIP, ESA and have a smallish Occupational Pension from my previously employer.


My question : would the no charging of fees still be applicable in my case as I'm not soley on benefits with having the Occ Pension too ?. Would it be worth me asking for a suspension of the charges?.


Next question :

I am considering making an appointment and going into the bank to discuss these financial problems and ask can they add the overdraft I owe (£1,400) onto my existing loan and allow me to alter the repayments to a lower manageable rate. I would obviously take a list of my Incomings and Outgoings to the appointment. Last question, if the bank agreed to this, would it affect my Credit record which is good ?.


Has anyone on here been able to do the above successfully ?.


Thanks in advance to anyone who can assist and I'd like to say what an excellent forum this is, I've had some great advice previously and wish I had the funds to make a small donation (which I obviously haven't !).


PS. I should add that my bank loan is an unsecured one.

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get you income out of their gubby hands


open a parachute account.



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



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

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get you income out of their gubby hands


open a parachute account.


Hi dx100uk. I'd thought of opening a bank account elsewhere but wouldn't the new bank want to check whether I had debts with the old bank before accepting me?.



although with a new bank I could have the loan repayments transferred each month to Santander, it wouldn't solve the problem of the fact that I owe them a £1,400 overdraft, which they would obviously chase me for.


I've tried my best to not go down the route of ending up with a bad credit rating, as it's been good for 25 years.


It would affect me for things in the future, eg, I pay my car insurance monthly as I've not been able to pay it in a lump sum each year. So dunno what the answer is at the moment !.


Cheers anyway.

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sadly I don't think you will avoid a screwed credit rating whichever way you go.


get your money out of their grubby hands




co-op or the post office do on lime applications.


because you've been with them for ..XX yrs and you've let them mug you till now

satans bank wont give a monkey's about your problems.


there are letters in the debt collection forum of the library to

TELL THEM , they will only be getting £XX for xxMts

asking to freeze and stop penalty charges

if they don't then you sent the next letter giving them


they are duty bound to help you


but stay off the phone writing only

you need a papertrial.





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



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

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Hi again dx100uk. After reading up on the ramifications of going down the 'Bank please help me and lower my payments' route and the future problems this could cause for me, I've been on Martin Lewis 's debt advice site.

Just spent several hours on there and other sites, reading up on stuff (head's spinning) .


On Martin's site there are lists of other banks and organisations which do loans at MUCH better, lower interest rates and lower monthly repayments than my current one. It also gives your percentage chances of getting a loan, plus all of the APR's and terms.


I've therefore applied and should have an answer by tomorrow. I've applied for a more favourable loan at a far lower monthly rate I can manage, plus minimal interest (Sainsbury's Bank) and if successful, I'm going to pay off in full my current Santander loan PLUS the overdraft I owe. I'm then going to change to a different bank.


This will avoid the problem I didn't want to have in the future by NOT-buggerering (excuse the term) up my credit rating. Will get back to you when I hear about the loan. Cheers.


PS. With Sainsbury's you do not have to be in employment to secure a loan as long as your Income is above a certain amount.

Edited by Vixen7

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UPDATE. Got the loan, will be in my bank in 4 days. Will then pay off the overdraft and the Santander loan :-). And will have a new loan at a much lower monthly rate and at less than a quarter of the interest Santander charge !. I will then be changing banks.

For anyone's information, First Direct do a standard account with an authorised overdraft of up to £250 with NO CHARGE for using it !.

Thanks again.

Edited by Vixen7
adding a thankyou

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