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    • one was missed but it was paid, but because i asked for help they informed me that they would have to put a mark on my credit file, but never stopped taking payments, never gave the refund, and now all these letters and emails, just after advise before i make the call, have had a look through some of the files, but can't seem to find anything other than the guidance to record, i only went to V12 because i was getting nowhere with AO and as its still on credit i was informed to contact V12 who would go to AO, i was getting chemotherapy and was getting no help from UC and was trying to balance everything out best i could, payed off another loan i had with them, but never earned anything last year    
    • Hi. I would say they're out of time, as you said. Let's see what the guys say.   HB
    • 1 Date of the infringement ● 28th Dec 2019   2 Date on the NTK [this must have been received within 14 days from the 'offence' date] [scan up BOTHSIDES as ONE PDF- follow the upload guide] ● 20th Jan 2020 (i do not have a scanner)   3 Date received  ●23rd Jan 2020   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] ●No   5 Is there any photographic evidence of the event? ●Yes   6 Have you appealed? [Y/N?] post up your appeal] Have you had a response? [Y/N?] post it up ●No   7 Who is the parking company? ●Met parking services   8. Where exactly [carpark name and town] Brocklebank retail park,SE7 7SE (London)   For either option, does it say which appeals body they operate under. ● They state that they are a creditor and i must appeal to them in the first instance, failing that, then i can appeal to POPLA (IAS)   There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE ●IAS   If you have received any other correspondence, please mention it here ●No, just recieved notice to registered keeper today (23rd January 2020)
    • tv arrived faulty, and kept getting messed around by AO.com then told to contact lg while it was still under warranty, lines were busy was given the option of leaving a message which i did took 10 days for the return call by this time warranty expired, i then contacted AO again who offered to pay half the bill, which i found unacceptable, then tv developed lines down the screen, i would have not been bothered but it was £1500 and expected better than that, it was also not used that often, so i contacted V12 to make a complaint under the consumer credit, then came back saying Ao.com said they had received only a few emails, no mention of all the calls also made where they made this offer, and V12 are in favour of AO, and referred me to the fos, then i have just discovered the other problem with v12 as mentioned above   
    • Hi   Just had a visit from a HCEO over a water debt that went to court and a CCJ was awareded.   Initial debt was £715,45 as of Nov 2019   17th December the debt has risen to £933.20 with Compliance Fee of £90 7 Jan 2020 Debt risen to £1154.50 apparently a visit, but no paperwork was left.   Paperwork left today £1750.94   Not my debt - partners debt   They did not come in.   Initially when I found it was passed to Marstons, I called anglian water asking them to transfer it back and I would settle the balance, they said they couldent.   Do they ever pass it back to the creditor? How long will this take?   Are the fee correct as not had a breakdown.   Suggestions on what to do?  
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HP Mum

Supermarket -oap slipped on food - injury claim?

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On 08/11/2019 at 00:02, HP Mum said:

Bit more of an update. This is still running along.  It seems to have taken ages to collate all the different medical reports - medico legal lawyers involved now. 

The injury and repercussions have worsened - so really not sure where this will end up as a financial payout?  Certainly very happy that we took the forum advice to get a pi lawyer - it would have been far too much work and stress to handle for relative and family alone.

Really hoping lawyers come to a good agreement soon...


So has your relative been examined by experts from both sides, or just ones instructed by your own solicitors so far? 
 

Also, just for my curiosity, what kind of experts? I would assume, Orthopaedic Surgeon and a care expert. 

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At the moment just relative's side.

GP, hospital mri scans, specialists in meniscus injuries, physio etc - but all in different places which means the lawyer has to chase multiple health sources for medical notes/ results/ prognosis etc.

Surgery has been recommended by one specialist.

The lawyer is handling everything - including the medico-legal expert.  I think they are almost ready for the medico legal experts to start talking (however they do that...)

I would like to think that this long episode is nearly over - like within a few months max...

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So your side’s experts will examine and then produce a report each. Reporting might be delayed if, for example, your relative is undergoing further treatment, as there’s no point in finalising evidence till you know the outcome of that. 
 

From this your solicitors should consider the value of the claim in light of injuries and other (potential) losses, and then possibly make an offer. 
 

The defendant may negotiate if the value is relatively low (say below £50k). If higher they may then dispute some of the evidence, will get their own experts to examine and produce reports. 
 

This might draw out the process but you’ll know more of where you stand once you see the reports. Your relative’s reports should be sent to him/her to approve prior to sending them to the other side.

Edited by SuperVillain

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update:

Relative has appointment with an independent medico-legal expert.  Not 100% sure if this will be the only 'expert' or if the other side will want to appoint their own - I guess it depends what the independent one says?   I hope this independent assessment will be ok and enough.  The whole process is taking sooooo long! 

 

Relative doesn't know what to expect.   Does anyone have any helpful hints?

One thing relative now needs is funds for allowing access to bathroom. 

Due to the injury / cumulative repercussions over time relative is finding it very difficult to go upstairs.  No wc, bathroom or bedroom downstairs.   

Lawyer suggested adding in a claim for stairlift or lift.  Have had companies to relative's property to assess/ quote.  There will be quite substantial associated costs too. 

Does anyone have any prior experience of level of extra costs allowable/ given?  (In comparison to injury payout?)

 

 

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On 14/01/2020 at 14:20, HP Mum said:

update:

Relative has appointment with an independent medico-legal expert.  Not 100% sure if this will be the only 'expert' or if the other side will want to appoint their own - I guess it depends what the independent one says?   I hope this independent assessment will be ok and enough.  The whole process is taking sooooo long! 

 

Relative doesn't know what to expect.   Does anyone have any helpful hints?

One thing relative now needs is funds for allowing access to bathroom. 

Due to the injury / cumulative repercussions over time relative is finding it very difficult to go upstairs.  No wc, bathroom or bedroom downstairs.   

Lawyer suggested adding in a claim for stairlift or lift.  Have had companies to relative's property to assess/ quote.  There will be quite substantial associated costs too. 

Does anyone have any prior experience of level of extra costs allowable/ given?  (In comparison to injury payout?)

 

 

 What kind of expert is it? Orthopaedic knee specialist I presume. 
 

Usually, there will be an interview and an examination. The interview will he where the expert gets the background of what happened, the symptoms at the time, how they’ve progressed, what’s currently wrong, and any side issues (eg the stair lift issue etc).  The examination will be where the expert does the poking and prodding to assess what they can medically.

 

One thing to consider (and it’s hard to say if appropriate without knowing the value of the case), there may be an argument for the other side making an interim payment to fund the stairlift. They’ll both have to agree it’s required and that’s unlikely till an expert report is served. 

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It was indeed a very brief meeting.  As you mention - background details followed by a brief look and a prod

He was independent - for both sides

 

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