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    • Hello, am new here and it seems a helpful forum. I am hoping you can help me. I have tried to search the forum, but cannot find a previous topic like mine. Basically, I have today received an NHS Penalty notice through the post relating to a prescription item from my doctor. To cut a long story short, I get one item every month from my doctor, on repeat prescription. I am exempted from paying for this item and have been so for a lot of years. However, after going to the doctors last month, she added another (new) item for something else to my monthly repeat prescription. So, when I went to collect it from Boots, I explained I had to pay for the new item added onto my prescription and then signed the back for the normal (exempted) item. All I got was a till receipt for the paid for item, which I later binned and thought nothing more about it. However today, I have received a penalty charge notice relating to this new item (which I did pay for). How do I go about disputing this penalty notice, as I no longer have the receipt.   Many thanks.
    • Thank you ever so much DX.  "My account is now on hold" whilst they get a copy of my lease apparently, I'm also going to dig out my copy after what you've said.   To the best of my knowledge I don't have a CCJ - I even got placed as a Temp in a insurance company when this started, which would have required financial checks to be passed.   They have tried to justify why I should pay up in three months but my only option is to use a credit card - and I'm sooo reluctant to do that whilst now unemployed.   Part of their latest correspondence had this line which I'm confused by (my home has no mortgage - which I presume what they are trying to get at?) Alternatively, you can complete and return a signed admission form so we can approach your lender for payment. Please advise if you wish us to send you an admission form.   DX - please can I ask if I want to make a token payment direct to HML can I pay into their bank. I can't write cheques anyway and don't imagine PDC will take my card details for anything less then the £550 a month. (my debit card hasn't that value and not likely to for some time whilst I get myself together and back in employment - but I'm concerned they could try for it and take me into an unauthorised overdraft situation)    Thanks for your help massively.    
    • Sorry for my inability on this, but I thought there was case law already re breaching (but not infringing) GDPR, to the tune of £750?
    • I appreciate you taking a look for me and amending, this version is a lot more concise!   I will sit tight and send Friday morning.      
    • No they don't waste money on Gladstone's or other Solicitors now. They represent themselves and did so when they recently lost the case for this same location. In fact Gladstones's did do that case up to the LBC, then NPM represented themselves in court. My LBC was direct from NPM, although you could see it was a clone of the Gladstones version. 
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I am probably a financial simpleton,

but I have only just woken up to the likelihood that  probably have been sold PPI unwittingly because I am lazy about reading small print!  

I probably am due some compensation from Natwest and Barclaycard,


I am wondering whether house insurance, whether connected to a mortgage or not, might have had some PPI clause in it.  


When I bought a house in 1980 Natwest made taking out Sun Aliance Home Insurance a condition of the loan, and I stayed with them when I bought another house without a mortgage.  Does anyone know whether it is likely that PPI applied in these cases?


Unfortunately I no longer own either of the houses and have discarded all documentation pertaining to them.

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probably far too old

and mostly in those days [pre 1990's] no-one was regulated anyway.

the real changes like GISC and ABI didnt come in till later and they only regulated the insurance co's.


not sure what rules existed on mortgages back then

but the only thing you must have inplace certainly since the 2000's in buildings ins if you didn't already have it.

so being charged home [contents ins] as a compulsory term of your mortgage could be a no-no. 

and can all be reclaimed.


there was a case not so long ago of home ins going back to I think it was 1992 from today and the couple got over £50k back ithink.


sar to your original lender might be the only chance of getting paperwork.




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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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Many, many thanks.  That is genuinely useful.  


The lender was Natwest.  I am fairly sure they will owe me something one way or another, but they do seem surprisingly keen to cooperate so far.  Also Barclaycard.  I think they may have decided it is a lost cause from their point of view.  So, they might as well try and score a few brownie points for customer service.

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