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    • I'm on happy pills (anti depressants) but they aren't cutting the mustard anymore and I do need to see my GP soon to see if he can help in anyway. With regards to gambling it's so complicated; through my life I have made money (as well as having had some jobs)  being a "professional gambler" (gambling where the odds are in your favour - think card counting for example, fruit machines years ago for a long time.... Other things.) But I've also been totally compulsive at the same time. It;'s so entrenched in my psyche that it's hard to imagine just giving it up totally. I also have drug issues that have plagued me and it's a shame because I am fairly intelligent and could have been successful in life in theory but mainly due to those two things (and not really having any drive, ambition, whatever... I could go on and on but this isn't a therapy forum :P) I've not managed to. I'm 36 by the way. Cheers
    • Oh I just remembered I have a long defaulted account with Halifax balance approx £3700 I believe (from around 2015) but they aren't chasing me for it or anything. It was actually over £5000 but they refunded me a load of unfair charges (their words)  This does however push me over the £20,000 limit for a DRO I think?  
    • Hi.   I think you've made a good start by setting out in writing what you need to deal with. People should be along later to advise on how to deal with your creditors.   For the mental side of things, have you talked to your GP about getting some help with what's getting you down? Or support with the gambling issues?   HB
    • Hi people.   So I've managed to get myself into a sorry state financially. I'm insanely depressed which I guess is common for many. I don't think all of it comes down to the financial stuff but it is really crushing me now.   Facts: A lot of debt has been due to living on credit and gambling. I don't have a job. I know I should get one but I just totally despondant at the moment (due to many reasons). I don't expect any sympathy but I thought I would share this.   It's tempting to bury my head in the sand and wait for the inevitable calls from various collections departments but I want to be as proactive as possible. I think I've cancelled all direct debits so I don't get bouncing charges from the banks...   So onto the debts:   Loans livelend; £2400 was 4k 13% interest Bamboo £3000 (only just made the first payment this month) supid interest Likelyloans approx £3500 stupid interest  One payday loan for £200 I just got to cover some bills (knowing that I'd unlikely be able to pay it) - this is the only thing I haven't cancelled with the bank as they just take it from your card   Credit cards: Aqua approx. 3900 Capital one approx. 1200 Amazon approx £500 Paypal Credit Approx £1100 Overdrafts Santander £1500 Barclays £1k limit (I don't actually pay anything for this)   So all in all approximately £18,000     I also have a negative Paypal balance of £5000 but I don't believe this classes as a debt and I don't think they can do anything about this having read up on it quite a lot.   I guess my question is what is my best course of action. Should I look to do a DRO? Should I go bankrupt? (eurgh. Full disclosure I did this 15 years ago when I was 21. You think I would have learnt!) Should I write to each creditor and offer them £1 a month? Should I talk to one of the debt charities?   It is all my fault that I'm in this state but I also know that it's not the end of the world because they are all non priority debts. I probably am slightly behind on the council tax but not significantly.   I started claiming universal credit a couple of weeks ago and had my first appointment last week but managed to miss the next one due to not being able to sleep and then oversleeping and so I guess they've probably kicked me off that already and I might have to claim again.    So yeah. I take responsibility for what's happened but I don't see any way out. I've been very depressed lately due to this and other things. There is no one to "bail me out" and I probably don't need or want that anyway. Any advice appreciated          
    • Hi All,   I left the UAE 2 years ago. Have my bank clearance letter from HSBC.  I have been receiving emails from a company based in Hemel Hampstead IDRWW about money owed to the bank of RAK in the UAE which I’ve ignored as thought it was spam. I have now received a letter through the post saying the same thing (no idea how they have got my new address) that they are acting on behalf of RAK bank. I’ve never had an account with them but know how dodgy things are over there so would be nervous going back!.... Do I just ignore it or reply? It must be identity theft?  I am also nervous about travelling as I travel a lot & wouldn’t want to be arrested!!  I obviously have no intent on paying a debt that is not mine plus have no assets here anyway... Can they actually take me to court for something that isn’t mine??  Any info gratefully received.  Have spoken to citizens advice & they couldn’t help. Thankyou   
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BlueLittleLady

Is there a way to see my GP blood test results for free?

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I had a blood test. GP receptionist called to tell me that a deficiency was identified and that I need to buy over-counter supplements, as they can't do a prescription.

 

When I asked if I could see my blood results they said I have to pay £5 and they can print it off at the reception. I asked them again if there was another way I could see my blood test results, they confirmed that I have to pay £5 to see them.

 

I wanted to book a GP appointment, they said they can't book a GP appointment for this.

 

This is not a private GP, its an NHS one, and I currently don't have ANY cash to spare, as I'm currently on sickness benefits.

 

Can GP's do this?

Is there really no way to see my blood test results for free or get a prescription?

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SAR them. its free. At least online records are. But takes a while to get your info


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I had a blood test. GP receptionist called to tell me that a deficiency was identified and that I need to buy over-counter supplements, as they can't do a prescription.

 

When I asked if I could see my blood results they said I have to pay £5 and they can print it off at the reception. I asked them again if there was another way I could see my blood test results, they confirmed that I have to pay £5 to see them.

 

I wanted to book a GP appointment, they said they can't book a GP appointment for this.

 

This is not a private GP, its an NHS one, and I currently don't have ANY cash to spare, as I'm currently on sickness benefits.

 

Can GP's do this?

Is there really no way to see my blood test results for free or get a prescription?

 

Do you think a phone conversation with the GP would help?.

 

Book an appointment with your GP. You don't have to tell the reception why you want one, if they ask.

 

You can say "I understand you may be told to ask, and that you might want to check that it is a GP appointment I need, rather than a nurse or other health care professional, but it definately is a GP who I want to see / speak with".

At this point, if you think a telephone conversation would suffice you can say "speaking with the GP may mean I can avoid an appointment in surgery, do you think you could ask them to call me?".

Alternatively, if you don't think a phone conversation will suffice, you can say "I'm happy for the GP to call me back to ensure I do need to have an appointment. Would you prefer to just book the appointment or get them to call me?".

 

This should suffice, but if not:

a) write to the practice manager, or

b) does the surgery offer online booking (either by app or over the internet from a computer)?

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SAR them. its free. At least online records are. But takes a while to get your info

 

As you say, this route may take a while. It also doesn't solve the OP's desire to get a prescription, nor any explanation of the result (or its cause!0.

One of the things the OP can raise in a discussion with the GP is what has likely caused the issue, as this may impact on what needs to be considered as well as the supplement ......

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It seems not all GPs are the same. I asked the receptionist for a printout of my blood results for my records. They were printed off and given to me there an then.

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There is another way but it does mean that you will have to speak to your GP AND if the surgery is part of the Patient Access service.

 

Most of what is on the site is to deal with repeat prescriptions but by having a chat with your GP, they may allow you access to test results. My GP has done this for me and I can see all my blood test results online. Some GP's are reluctant but some are quite willing as it saves them time.

 

The service is not for contacting your GP directly although you can book non urgent appoinments.

 

https://patient.emisaccess.co.uk/Account/Login?ReturnUrl=%2f


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If you check the ICO website, you will find that it is free to view your records (following a SAR), but they may charge for copies. I would just take a photo.

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Thanks Sali, was just going to suggest that.


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I can't help but think there's a bigger question lurking in the background here.

 

I did read that the NHS is withdrawing prescriptions for certain items, paracetamol, nit shampoo, omega 3 etc. Presumably this is because the items are generally thought to be cheap over the counter, are not considered necessary for general health or where the efficacy is questionable. However, for people on low-incomes like the OP, where every penny counts, the impact may be significant.

 

 

We can only assume that the deficiency that the OP is suffering is considered by the GP (at this time at least) not likely to be contributing to any current health issue.

 

The OP should be able to challenge the GP's decision and the surgery shouldn't be placing obstacles in their way to prevent this, by falsely stating that there is a charge to view, not allowing a GP appointment to discuss, or forcing them down the SAR route.

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The cost is more significant if they allow them on prescription.

 

Think about it. 30p from your supermarket, or a tenner or so in prescription costs


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

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The cost is more significant if they allow them on prescription.

 

Think about it. 30p from your supermarket, or a tenner or so in prescription costs

 

Except that it isn't that simple.

a) The prescription fee is fixed across all prescriptions, regardless of if they are for a cheap item (paracetamol) or expensive (like erythropoetin)

b) Your analogy doesn't take into account pack size. The GP can prescribe a tub of 500 if the OP needs long-term paracetamol.......

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Sorry, I made an assumption. I meant that it was significant to a person, like the OP, who is on benefits, (but also to pensioners, students etc), who would normally be entitled to free prescriptions. Their budgets would now have to pay for medicines they previously got for nothing. And, yes, I think that would be significant for some.

 

A person who did have to pay for prescriptions should be savvy enough to work out what is cheaper over the counter, although I'm still confused why people continue to pay for branded ibuprofen, when supermarket-own is just as effective.

 

I understand that medicine prices vary according to what they are. To have a system that varies the cost of the prescription dependent on that factor would probably be more expensive to administrate than maintaining the status quo.

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Sorry, I made an assumption. I meant that it was significant to a person, like the OP, who is on benefits, (but also to pensioners, students etc), who would normally be entitled to free prescriptions. Their budgets would now have to pay for medicines they previously got for nothing. And, yes, I think that would be significant for some.

 

A person who did have to pay for prescriptions should be savvy enough to work out what is cheaper over the counter, although I'm still confused why people continue to pay for branded ibuprofen, when supermarket-own is just as effective.

 

I understand that medicine prices vary according to what they are. To have a system that varies the cost of the prescription dependent on that factor would probably be more expensive to administrate than maintaining the status quo.

 

I wasn't disagreeing with your previous post, Sal, nor even with this current one! . I didn't read it as you calling for varying (or tiered) prescriptions fees, either. We don't know the details of the 'deficiency' that the OP has, but if it is something the GP has found through tests, either:

a) It is something that needs to be treated, and that is why it is tested for, or

b) If it isn't 'medically necessary' to treat it`: Surely they then shouldn't be testing for it!

 

I agree with:

I can't help but think there's a bigger question lurking in the background here.

 

I did read that the NHS is withdrawing prescriptions for certain items, paracetamol, nit shampoo, omega 3 etc. Presumably this is because the items are generally thought to be cheap over the counter, are not considered necessary for general health or where the efficacy is questionable. However, for people on low-incomes like the OP, where every penny counts, the impact may be significant.

 

 

We can only assume that the deficiency that the OP is suffering is considered by the GP (at this time at least) not likely to be contributing to any current health issue.

 

The OP should be able to challenge the GP's decision and the surgery shouldn't be placing obstacles in their way to prevent this, by falsely stating that there is a charge to view, not allowing a GP appointment to discuss, or forcing them down the SAR route.

 

For people on low incomes, especially if they get free prescriptions, the fact that the items may be available (for a small pack) for less than the cost of a prescription for someone who pays for their prescription can still place those items "out of reach, due to finances", if they aren't prescribed / prescribable.

 

I was just disagreeing that it was as simple as:

 

The cost is more significant if they allow them on prescription.

 

Think about it. 30p from your supermarket, or a tenner or so in prescription costs

 

Cost to whom?., as well as:

 

Except that it isn't that simple.

a) The prescription fee is fixed across all prescriptions, regardless of if they are for a cheap item (paracetamol) or expensive (like erythropoetin)

b) Your analogy doesn't take into account pack size. The GP can prescribe a tub of 500 if the OP needs long-term paracetamol.......

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Bazzas, I didn't think you were disagreeing with me and I wouldn't have any issue if you did. Absolutely, I would not want any person having to make a choice between food or pain-relief. It is only the English who still have to pay for prescriptions.

 

I'm guessing (and only guessing) that the OP may have a vitamin D deficiency. GPs will test for vitamin D (which is, as you know, really a hormone) in some cases and not necessarily on the patient's instigation and may suggest the patient purchase their own supplements if found to be deficient (according to the current guidelines) - unless, of course, they are quite obviously suffering from rickets. This approach may change as more research is done and we learn more about the vitamin's role in disease prevention.

The thing is our 'national' health service varies from town to town, surgery to surgery and GP to GP.

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Interestingly, I know someone recently diagnosed with Vitamin D deficiency, who receives free prescriptions (medically exempt as a result of a different condition), and:

a) they found out because the practice told them to collect

b) a prescription for the treatment (a monthly oral supplement)

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And they monitor the levels through blood tests?

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It’d be interesting to see what the recommended supplement was and also in seeing the numerical results how that might change the OP’s position at all?

 

I was under the impression that if requesting a test, a clinician has a responsibility to not only check the results but also to act on them and treat appropriately. That said, I wonder if this is a case of in the process of reviewing the results following a test for another purpose altogether the GP has noticed that the OP’s iron level is a bit low and has asked the receptionist to recommend that the OP take some sort of dietary supplement.


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And they monitor the levels through blood tests?

 

Yes. (For both vitamin D, and iron).

 

For the initial “working out is there a problem”, Vitamin D levels would have had to be specifically requested (it isn’t a “routine test”), while iron deficiency would be hinted at by a particular type of anaemia.

 

That anaemia would be detectable on a routine ‘full blood count’ (which would show a “microcytic anaemia”, which they would then look further into, iron deficiency being the most common cause of one subset of microcytic anaemia).

They wouldn’t actually monitor “iron levels” (by measuring the amount of iron) though, using a surrogate marker (ferritin) instead.

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There is a facility for patients who are undergoing renal therapy to see their results on line through the hospitals "renal patients view "system.

 

The system has been operative for some years using the testing and IT facilities available to the larger hospitals.

You just log in and get a detailed report. You also get a graph of previous results and a "cheat sheet" giving the range of readings in a healthy patient.

 

The system was original produced to aid home dialysis patients who needed quick results in order to adjust their own ongoing medication.


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I always ask tp see my blood test reports to ensure that my drug therapy is going in the right direction and have never been refused or charged regardless of which doctor, hospital or surgery it was done by.

I suppose that your surgery might think that they have tom offer some explanation of what the numbers mean and what is within range but if you look at the results on screen the dodgy bits are highlighted in red when your doctor looks at them. Knowing what it means is the bit that needs either explaining or looking up. If they have identifies say vitamin D deficiency than that becomes the main thing to look at changes in but calcium levels should also be monitored in conjunction with this and probably vitamin B as well as symptoms for vit D deficiency and vit B12 deficiency are similar.

 

It seems to me as though they are behaving like lawyers and priests who use latin to stop the plebs form understanding what they are on about and removing all of the mystery. You could ask for the raw data from the lab but they may say no because you cant prove who your are for Data Protection reasons

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Yes. (For both vitamin D, and iron).

 

For the initial “working out is there a problem”, Vitamin D levels would have had to be specifically requested (it isn’t a “routine test”), while iron deficiency would be hinted at by a particular type of anaemia.

 

That anaemia would be detectable on a routine ‘full blood count’ (which would show a “microcytic anaemia”, which they would then look further into, iron deficiency being the most common cause of one subset of microcytic anaemia).

They wouldn’t actually monitor “iron levels” (by measuring the amount of iron) though, using a surrogate marker (ferritin) instead.

 

This is a Pulse article on Vit D from 2013.

 

http://www.pulsetoday.co.uk/clinical/more-clinical-areas/musculoskeletal/vitamin-d-testing-guidance-to-prompt-sea-change-for-gps/1/20002686.article?PageNo=2&SortOrder=dateadded&PageSize=10#comments

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