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    • Thanks DX.  I've ploughed through the pages and dug out what I feel are the relevant ones. Obviously, some of these are duplicates of what I've put up before.  Anyway, I would be hugely grateful if someone can look over and advise. Reading though other posts and on other cases that I've had help with from here, I don't think they have much of a case - given the weakness of much of their "evidence" - but obviously I would be grateful for some expert advice from the helpful souls on here.    Thank you.    B   Witness Oct19_redacted.pdf
    • You came here for advice, soem advice has been given adn you question the validity and source of that advice. We are all lay peopele, ie not giving professional advice but it is based on experience of the world and in some cases working in the field that advice is given on. Now you dont have to take our advice, we wont get the huff if you prefer to look elsewhere or do something else. when I asked what you think they would do with your NI number it is to prod you to think for yourself and question why they would ask for this when there is nothing legal they can do with the information so wouild you be wnating to give it to them knowing that they would want it to break the law if they processed it. Now you can take that up with the company at the top but TBH unless you want to spend money on a lawyer they will not answer the question or fob you off with some ridiculous answer anyway.   so for the moment read a lot about  RLP and similar situations to yours ans make particular note of what happened to the peopel in the end. You will find no threads theat ended by saying " thanks to you I gor sued by RLP and owe them a fortune". It isnt going to happen and the reasons why are explained in many threads. They rely on your feeling of guilt to get anywhere
    • you need to respond to their letter saying that you belive that you ahve been paid correctly ( or underpaid if you are due a small amount of accrued holiday pay etc) and demand that they show a full account of what you received, when and why and how they arrived at this figure. You then reconcile that with your P45 and use the figures to bat off any furhter demands if they still akke one. Come back if they dotn drop the matter and give us the full breakdown on hours worked, hourly rate, gross pay, tax paid  etc
    • @dx100ukI never got a response to my SAR from Octopus.   But I have just received a 'letter before court action' from one of their legal representatives, who have been "instructed to consider legal action against [me] if full payment, a settlement or your proposals to make suitable repayments arrangements are not received in the next 30 days."   I'm reading the threads now. Any advice on how to proceed? 
    • I would say let them do their worst, it will surely backfire on them. Now with restrictive contracts that stop you working fro competitors- these are notoriously vague so often not worth the paper they are written on. also they have to be fair so for example if there are only 2 companies in the UK that make a certain product your employer cant say you arent allowed to work for the other one. If you were for example trained as a hairdersser and you were going to open a salon in the next street to your ex employer then the restriction would apply if worded correctly. Dont panic about this, your new employer will be au fait with the situation and time spent worrying about a nastly letter will in their eyes take you eye off the ball so concentrate on the new job.
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Medical Billing & Collection (MBC)

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I have MBC on my case trying to chase an unpaid bill.

I already told the quack I’m not paying for his consultant services for reasons I shan’t go into (it relates to unprofessionalism).

if they want to sue me that’s fine by me as it’s a relatively small amount. 


However, my question is this:

dca is threatening to add surcharges to the debt if I don’t cough up soon.

I never signed anything so I didn’t think they were allowed to do this.


The only (tenuous?) link I can think of where I may be wrong is for the most part, previous treatment by him was covered by insurance and what’s outstanding is follow up consultations which isn’t covered by insurance because my allowance for consultations had been all used up.


Advice appreciated!



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Who owns the alleged debt : the “quack” or the DCA?

if the doctor: what do the original T’s & C’s for their services say about added fees for non-payment?

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 This is where I show my ignorance.

 I assume the DCA owns it but how do I check that?


T&C I don’t know about.

The only thing I know he comes under HCA umbrella which I signed a form pertaining to my personal details.

I don’t recall reading anything about surcharges.  


I have checked the website legal section and cannot find anything.

Also, email correspondence doesn’t seem to have any mention of terms and conditions.

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safe to ignore all powerless DCA's and their dogs

they cant add anything to a debt, that's an unlawful penalty.


the quack wont of sold the debt on no

and only he can issue a court claim thru a solicitor.



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the DCA is paid a small fee to write threatograms and they make no money out of this so they add a fee to the amount in the hope that you are mug enough to pay them and that way their children get fed tonight.

As you didnt sign a credit agreement with teh DCA they have no lawful authority to claim an extra penny but they rely on ignorace to get the cash out of you.


Now, as for the original fee you are refusing to pay. If you have a complaint them go through the correct channels with that complaint rather than lose a court case because of hubris. Liewise of you had medical insurance, you complain  to their ombudsman if they suddenly cut you off without warning or just refused to apy a bill without an acceptable reason. Read the terms of the contract before firing off your letters though and if you are certain you are in the right them tey and get one of the newspaper consumer chamions interested

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