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    • I did call student loans and they don't have any record of anything and no details were coming up with the old Student Loans reference number. They were the ones who told me that the loan would have been taken over by Erudia and asked me to call them instead.
    • yes when you get your N180 from the court. on the sols copy omit phone/sig/email.
    • you dont need a copy of the letter. just proof. it might pay you to sar SLC as if they had your correct address on record before loan sales to erudio , that will add another very strong string to your bow toward setting aside this backdoor CCJ and the arrows you'll fire at Arrows (Erudio are arrows DCA in sheeps clothing)   you also might like many others find that you still have access to the online SLC portal. that could be useful with info. like deferral dates etc and address and what they knew and when.   at present you are in the info gathering stage, the more of that you can get the better.
    • IMHO i would never have a DD setup for any consumer credit debt. they are not a priority, like mortgage/rent/CTAX/Gas/Electric.   this gives you a bit more work to do, but it ensures there is always money for the priority things that can threaten the roof over your head or it's the necessary home utils needed with one.   it's also worthy to note that somethings that are unconscious priorities (though NOT!) like mobiles/phone/digital tv and broadband etc DD's often contribute to the real priorities not being paid. careful management of those needs to be exercised, like moving their payment dates to after the priorities are deal with in your calendar, or vice versa move the priorities to before those come out.   it is stunningly amazing how many families fall into priority bill debts by blindly pay these 'mentally essential luxury gadget' bills and are in total ignorance of the effect they have upon their available funds as 'they can't live without them'.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
      I opted for mediation, and it played out very similarly to other people's experiences.
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
      Many thanks, stay safe and have a good Christmas!
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

Dependence on prescription medicines linked to deprivation

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Dependence on prescription medicines linked to deprivation



PHE has published the first-ever evidence review of dependence and withdrawal problems associated with 5 commonly prescribed classes of medicines in England.


The Prescribed medicines review assesses the scale and distribution of prescribed medicines – and makes recommendations for better monitoring, treatment and support for patients.


It uses available prescriptions data, a literature review and reports of patients’ experiences.


A total of 5 classes of medicines were included in the review:


-- benzodiazepines (mainly prescribed for anxiety and insomnia)

-- Z-drugs (insomnia)

-- gabapentinoids (neuropathic pain)

-- opioid pain medications (for chronic non-cancer pain such as low back pain and injury-related and degenerative joint disease)

-- antidepressants (depression)


READ MORE HEREhttps://www.gov.uk/government/news/dependence-on-prescription-medicines-linked-to-deprivation

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I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

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Note that these are the medications that GPs will prescribe for anything you go to them.

I always questioned why I needed to take antidepressants for back pain and their best answer was: they block the brain from feeling pain.

In other words, we make you stupid and in the mean time as you don't understand that you have pain, you damage your back further. 

Never touched that stuff.

When I decided nhs was not for me I found that private consultants don't prescribe many medications,  but have a better approach in trying to fix the cause of the pain rather than mask the effects with drugs switching your brain off.

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Wow, some major assumption there.


Firstly that the meds will mean you will become so insensitive to pain that you will cause further injury : unlikely.


Secondly that the antidepressant make you “stupid” (and / or that they are being used as an antidepressant at all!)

Low dose amitryptyline is indeed used for back pain (and at doses below those used for its antidepressant effect)



They probably worked out you were dismissive, so didn’t bother going into detail if they felt you weren’t listening or willing to try it anyhow.


Then again, what does your GP know, anyway?.

5 years of med school, at least 5 years post qualification, and then any number of years once a fully qualified GP. Yet, you know better.


it doesn’t “switch your brain off”. Mind you, from some of your posts .....

Edited by BazzaS
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Well, if you could read for longer than 6 seconds you would have got to the point in which I said I never took those drugs.

So all that comes from me is a natural talent 😂

Also, you could have noticed that consultants (possibly more qualified than GPs?) looked and found a solution to the root of the problem,  not some masking palliative to turn off the pain.

32 minutes ago, BazzaS said:

Firstly that the meds will mean you will become so insensitive to pain that you will cause further injury : unlikely.

I shall say that to a couple of my colleagues who after years of "feeling great" had to come off the brain pills prescribed for knee injury and found themselves on the operating table (eventually at NHS pace) for knee AND hip replacement as they kept on walking and running on injured joints.

 "it only hurts in the morning" (incidentally when the pills effect has worn off).


NO thanks!

I rather pay and get the cause of the pain fixed rather than the pain itself.

Having experienced that myself,  my son didn't mess about and got his back sorted before it was too late.

He too was told that he had to be on "pain management" pills for the rest of his life.

What a lot of bollox!


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For SOME people, the pain meds allow things like physio, and avoid interventions.


For those who go on to surgery, some get cured and some get worse : surgery  has risks.


Yet again : you extrapolate your (limited!) experiences and apply them to everyone as “gospel”


it was that that made me consider if your brain wasn’t considering other possibilities: it was clear from your post you were too narrow-minded to fully appreciate your GP’s advice.


Specialists are specialists ; they see the cases that reach them.

GP’s are specialists in being GP’s : they prevent the specialists getting overwhelmed with people who don’t need them.

”The wizard and the gatekeeper”. From ? 1989?

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It’s because there is no medicinal cure for what one GP coined ‘sh!t life syndrome’. It’s perfectly reasonable that someone struggling with lots of external factors beyond their control would have physical manifestations of their difficulties. Unfortunately the pills don’t cure financial problems, mend broken hearts or fix Rocky relationships but the pain these things, and more, can cause is very real indeed. 

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  • 2 weeks later...

There are lots of reasons why these drugs are more commonly prescribed in more deprived areas, addiction is of course an issue but it is not the cause. The vast majority of working people in deprived areas are in jobs where they are more likely to have injuries or wear and tear that would require these medications - manual jobs are likely to lead to back pain for example. People in deprived areas are far more likely to suffer from depression for multiple reasons, some of which are obvious but also reasons like a lack of facilities, a lack of green space, job stress, an inability to take time off work; there are tonnes of reasons. The social determinants of health are really interesting, 'the Glasgow effect' is fascinating, although old research now I guess. People in more well off areas are likely to have more money and perhaps go for a massage to relieve stress, go to the gym or any number of other things they can do to improve their health simply because they have the money and facilities that people in deprived areas are less likely to have. Those in deprived areas sit taking medication whilst they wait on ridiculous waiting lists for the services that do exist in their area which are usually few and far between. Research also suggests that people from more well off areas are more likely to actively seek alternatives to medication such as talking therapies or physio than someone from a more deprived area (off hand I cant remember which piece of research this was but it was fairly recent). 


I referred myself to physio some time ago, waited a while then someone pointed out to me that I had access to physio through my job so I referred there I was seen the next week and started my course of physio which gradually reduced my need for painkillers. I forgot to cancel my referral for NHS physio and eventually an letter came to tell me I was high enough up on the list to make an appointment for three months time - that letter arrived at least six months or so after my original referral so that means it would have taken the best part of a year to be seen. That would have been almost a year of strong opioid painkillers. I was fortunate to have access through work, people in deprived areas are less likely to have access like this so they need to stay on the painkillers whilst they wait - what choice do they have? Should the GP not manage their pain while they are waiting for an alternative? 

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