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    • Thanks, @FTMDave for your feedback, I will take your points on board. I was using the title "Mitigation" in an attempt to convey how reasonably I have behaved, and how stubborn and overzealous (i.e. unreasonable) the claimant and their solicitors are. Any suggestions for a more appropriate title ? Cheers --skeet23
    • Hi guys   4 old debts (catalogues) have been sold to Lowells, I requested copies of credit agreements and received them this week.  I also received a notice of assignment from them for an old Vanquis account.  I need to pay these debts off but don't want them touching my bank account so was thinking of setting up a standing order.  I guess I will have to send them details of income and expenditure.  My question is, do I need to give my husband's details?  We are not really getting on at the minute and this will be the last straw for him so I would rather just leave him out of this.   Many thanks for reading x
    • I am unable to get credit of any description, apart from a payday loan with expensive Provident.   I have 3 accounts, 2 with Capital One, the other with Vanquish.   These 3 do show late repayments, but Capital One is showing partically settled in September 2018 and Vanquis settled in full in December 2016.   The main issue I had is with NewDay Ltd.   I notified NewDay that my disability living allowance was stopped after I had my review when I went to transfer over to PIP.   NewDay were sympathetic, and agreed to place my account on hold, freezing interest and payments etc etc.   On the 4th May 2018, I received a letter from NewDay; theyagreed that due to my financial issues, they would no longer chase me for payment.   Soon after, a default was issued with with credit reference agencies that the account default with a default date of 12th June 108.   Why then agree to not chase me for payment then issue me with a default seems to me to be grossly unfair!?   I did a Notice of Correction on my credit file to show lenders that my account was on hold, and they agreed not to chase me for payment.   Can anyone please give me some advice?   I have a good income of £1100 a month in benefits income, and I state on applications I am retired.   I am initially accepted for credit, but they then go to the CRA's, I am then declined.   Its frustrating I can only get a loan with Provident.
    • Sorry, I don't think I explain my case correctly. I'm the guarantor for a friend that rented a shop. My friend couldn't make rent repayment and the landlord terminated her contract. Now the landlord (claimants) has taken out the claim against me as I was the guarantor and is responsible for my friend's debt. When I first  became the guarantor, I signed an agreement with the claimants. ( 1st agreement) A year later I had a meeting with the landlord to discuss my debt situation and told them I was struggling to make repayment. They agreed to give me a debt deduction and other terms, so a new agreement was drawn up (agreement 2). to replace the 1st agreement.   In 2016 I received a warning letter for late repayment. No further warning letter or contact has been made by the claimant since 2016 so I was shocked when I received the money claim.  Claimants have only attached the 1st agreement with their claim form and they denied there was a 2nd agreement. Now they have submitted their final witness statement and attached the 1st and 2nd agreement. Proving the 2nd agreement does exist.   My question is; 1. How important is it that no letter before action was sent before I received the money claim? 2. Now there's proof of a 2nd agreement which was signed and dated after the 1st agreement. Does it prove that the 1st agreement is invalid? 3. Would the court dismiss this claim if they believe the claimants have submitted an invalid agreement for their money claim?    Thank you. 
    • Hi   What date did they move into the Property & when did the Tenancy end?   How long was the initial Tenancy Agreement for?   Did you pay a Deposit/Holding Deposit for the Property?   Exactly what Notice of Arrears was given and when(what date)? (if for rent arrears)   Are they still in the Property or have they ended their Tenancy as per the Notice requirement to end that tenancy?   Is the Claim for Rent Arrears/Damages etc.?   Have you sent a Subject Access Request (SAR) which is free(due to GDPR) to the Landlord/Letting Agent asking for 'ALL DATA'?    
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jamesbond

vet refferal problem

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the invoice states entropian h-c/wedge resection bilateral..

This sounds like the full corrective surgery which isn't normally done before six months of age because the skull is still developing. The more normal course is to pop a stitch in to relieve the symptoms - this may need removed/replaced periodically as the pup grows until it's old enough for the full corrective procedure. The vets involved are going to have to come up with a very convincing argument for carrying out a procedure which was, at the very least, premature.

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Have you made contact with RCVS about this?

 

 

in all honesty no i have not..the reason being that they are unable to provide any compensation to me and to be quite frank i have looked at the cases they have found against vets over the past few years and it is miniscule, and mainly for sexualharrassment and such like to staff etc...i can find only one case of them striking off a vet

so have little faith in the the body as a whole whih i feel is very outdated and a bit of an old boys school. i may be wrong but that is out it comes across to me.

 

 

the vets themselves have insurance cover to fight cases against them as i have copies of therereferral to these insurers about this case, so i am up against it anyway.


"ALWAYS QUOTE ME AS BEING MISQUOTED" :D

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This sounds like the full corrective surgery which isn't normally done before six months of age because the skull is still developing. The more normal course is to pop a stitch in to relieve the symptoms - this may need removed/replaced periodically as the pup grows until it's old enough for the full corrective procedure. The vets involved are going to have to come up with a very convincing argument for carrying out a procedure which was, at the very least, premature.

 

 

thanks hightail, i am in agreement with you on this but these guys are supposed to be the best veterinary eye guys in the est midlands..

 

 

i have recived my sars back from both parties but still seem to be missing some paperwork from my own vets of which i am conversing with at the minute to amend this.

 

 

regarding the referal, the vets whom we were reffered to have said it was a miscommunication error that we were guided to the wrong vet, and they have made amendments to ensure this doesnt happen in the future


"ALWAYS QUOTE ME AS BEING MISQUOTED" :D

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Hi jamesbond

 

I think you also need to have a good read of the Consumer Rights Act as they provided you with a service as the more knowledge you have to enforce your rights.

 

This is CAGs link on Consumer Rights Act: https://www.consumeractiongroup.co.uk/forum/forumdisplay.php?440-The-Consumer-Rights-Act-2015

(Have a wee look at this when you have the time)

 

 

Have a look at the Services link: https://www.consumeractiongroup.co.uk/forum/forumdisplay.php?442-Services-ss.48-57

 

 

Specifically: https://www.consumeractiongroup.co.uk/forum/showthread.php?448268-49-Service-to-be-performed-with-reasonable-care-and-skill

 

 

thankyou stu i will take a long look over this and see if i can use any parts in my case. i am still feeling that my best appproach to this is to go for professional misconduct but i am still having problems gleaning letters from my vets regarding the referral and how we discussed it in length as to whom should undertake the operation. it all seems rather cloak and dagger with them as one vet will not say anything against another in writing but will and have said things to me personally on the telephone.


"ALWAYS QUOTE ME AS BEING MISQUOTED" :D

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regarding the referal, the vets whom we were reffered to have said it was a miscommunication error that we were guided to the wrong vet, and they have made amendments to ensure this doesnt happen in the future

I'd be spitting feathers if I got this answer. Is it in writing?

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