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    • OK - in a nutshell...   Customer has a leak in the wall behind the shower in their en-suite bathroom which has leaked into another bedroom and they claim on their buildings insurance. We go in and inspect and quote for the repairs - this quote is forwarded, by the customer, to the insurance company who authorise them to go ahead with that quote. When we arrive, the customer says that they want the rest of the bathroom tiled to match - we agree and quote £800.00 for the extra tiling. The design for the tiling is varied, by the customer, to include two vertical mosaic stripes (the mosaic tiles being £12.50 each, plus a considerable increase in labour) - we point out that this will blow the materials budget - screaming ensues... we absorb the cost. The customer purchases a new bathroom suite which they expect us to install as part of the £800.00 that we quoted for the tiling alone - when this pointed out, screaming ensues... we absorb the cost. We complete the insurance repairs to both the bathroom and the bedroom on the other side of the wall. The customer says that they are happy with the insurance repairs, inform the insurance company of the fact and receive the final insurance payment. Some snagging is required on the extras - one of our guys goes in to sort out the odd bits. Customer freaks out because only one person has turned up to do the snagging - tells the man on site to take his tools and go. Customer will now not release the insurance money because the snagging has not been completed and claims that we're in breach of contract.   The insurance money HAS been paid to the customer - they signed off that the insurance based repairs were complete and satisfactory. It's the customer that's holding on to the money. The property is a ground floor flat - so it's leasehold.   I was pointing out that she's European - not any particular "ethnic background"...  
    • Referencing the Particulars of the Claim: 1. The claimant claims the sum of £2300 for an outstanding debt owed. 2. On 01/04/2012 the defendant entered into an agreement with Lloyd bank plc for an overdraft account under the reference X. 3. On 01/04/2016 the defendant defaulted on the agreement with an outstanding balance of £2300. 4. On 01/06/2017 the debt of £2300 was assigned to PRA Group UK LTD. Notices of assignment were sent to the defendant in accordance with s136 law of property act 1925. 5. Payments of £20 were received up to 01/03/2019 and adjustments have been made in the sum of £3.   For 'Particular number 2', i see a lot of other people saying this like 'Paragraph 2 is denied. I do not recall having this account'. I obviously cannot put that, what would i put?
    • Just wanted to report that the court dropped the MS90 and she ended up with 3 points, £40 fine, £30 Victim Sur (?) and £80 court costs.....thing is because she rang her insurance  to be honest and inform what was happening they cancelled her policy there and then charging her £50 to do so.  Now she’s gone to reinstate her insurance it has gone thru the roof because she’s had a cancelled policy!!  Seems a bit unfair, we hoped dropping the MS90 would avoid this - does this sound right?    Thankyou  
    • I'm removing two posts here – one because it refers to "… All from the same ethnic background" and the second one referring to the fact that the customer was Spanish. The first, particularly by king12345 has a strong racist tone about it and is completely unwelcome here.  king1 2345 has been here long enough and knows very well that this is not what we do. ==============================================================================   In terms of the building and insurance problem, it certainly sounds if you are being treated very badly and we would be very happy to help. Unfortunately I find your story is rather unclear – probably because there is a lot of narrative and I'd be grateful if you could clarify your story and in particular breaking down the insurance job and the rest including giving their values. Do you know if the insurance money has been paid to the customer or is the insurance company simply waiting for some kind of approval. You say that the insurance company has signed the job off and so this suggests to me that they are satisfied but what worries me is that they may already have paid the money to the customer who is merely withholding it from you rather than authorising the direct payment of the insurance money to you. Your story needs substantial clarification please. Finally, does your customer own the property? If you are not sure then you should consult the land registry website to ascertain the owner of the property
    • update:  Tried with new micro filter and still no difference in the speeds.  Called plusnet and they sent this 🤪 although looks like there was interference in the line which i never picked up   
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lancer44k

NHS Debt

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Hi

 

Been a little while since I last posted on here, so not sure if this is in the correct sub.

 

My wife and I went through a two fully-funded (by the local NHS trust) cycles of IVF back in 2014 resulting in the birth of our beautiful baby girl in 2015. At the time, we were asked if we would like to retain the additional embryos for a ten year period (the maximum allowed I believe under HEFA rules) and at the time I recall ticking the box for 10 year storage on the HEFA form.

 

All is well, until I received a letter (actually, its in my wife's name and there is no mention of me) back in March from our local trust with an invoice demanding payment of £230 for the storage for 2016-2017 and then an additional invoice for £360 for the storage between 2018-2019.

 

I phoned the trust's accounts department who explained that after the initial treatment, the storage of embryos moves to a private patient plan.

They informed me that at the time of agreeing to the storage I would have signed a copy of private patient agreement with an outline of the charges etc and in effect agreeing to the storage etc.

 

At the time, I couldn't recall signing anything other than the HEFA form and didn't remember seeing any charges etc.

I asked for a copy of the form agreeing to the private storage and then left it in their hands.

 

They called back around a week later after speaking with the clinic to inform me that they couldn't find any record of the form other than the original HEFA form.

They told me not to worry about the charges and they would check archives again.

 

Heard nothing back, until I received a letter today from CCI Credit Management for the full amount above.

Just looking for advice on the best way to tackle this?

 

The letter specifically mentions dealing with the DRA from this point forward.

What should I be asking for in terms of seeing if this debt is enforceable?

 

It also throws up a bit of a grey area, as from my understanding,

even if the debt isn't paid or we don't agree to the charges,

they can't destroy the embryos without getting court approval

(please correct me if I'm wrong on this one).

 

Many thanks in advance.

 

Lancer44k

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Hi I have moved your thread to the NHS Forum as the debt will still be with them and not assigned to CCI Credit Management which you should Ignore.

 

Deal Direct with the Trust.

 

Andy


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Hi Andy,

 

Many thanks for taking the time to reply. If I remember correctly, you helped me out back in 2013... wow, seems like yesterday, how time flies!

 

What do you think I should be asking the Trust for in terms of documentation?

 

Thanks

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Is it so long....? .yes I do recall your username.

 

Best to start off with a DSAR to the Trust and get all your data...then take it from there...but do not get involved with CCI ...they are mere ambulance chasers...pardon the pun.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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I don't have any experience of SARs but I do have experience of working in a NHS trust Finance Dept.

 

To have raised two invoices in March (at least one of them backdated) they would have needed some supporting documentation.  I presume this should be whatever you signed notifying you of the charges (if indeed you signed anything).  That's what you need to see and it is "interesting" that they seem to be unable to supply you with a copy.  (I presume it will come to light under a SAR if in fact it exists - which it may do as you may have forgotten it).

 

If I read your OP correctly, storage started in 2015.  If the charges are legitimate you should have been charged for the financial years 2018/19, 2017/18, 2016/17, 2015/16 and (possibly - depending when storage started) 2014/15.  But you've only been charged for 2016/17 and 2018/19.  Where are the other invoices - or have you got your dates wrong?

 

 

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Thanks for the reply Maxman. I may have gotten my dates wrong, I'm going to go and pull the invoice that they sent to double check. Myself and my wife definitely can't remember signing anything relating to ongoing storage charges, or charges relating to any future services provided as a private patient.

 

Thanks 

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