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    • I subscribe to a company called Audible - they are owned by Amazon and they provide audio books. I work as an HGV driver and so I find listening to a book is great for swallowing up the long distances being travelled on the road.   Quite recently, I bought a book and it is proving to be an eye opener in relation to the subject of weight loss. One of its main topics is to discover why so many of us are 'obese'. In the book the author (who seems to be a respected Doctor and researcher) goes on to say that the human body itself is responsible for gaining weight and it is not because of people with low willpower. It also shines a light on what food companies have been doing over the last 40 or so years which has contributed to the existing obsity problem.   I put it out here because I think it would be a great read or listen for those, who like me want to lose weight and keep it off.   It may be better to obtain the printed copy of the book because there seems to be graphs and pictures which I am not able to view because its an audio book.   The book is called: The Obesity Code Unlocking the Secrets of Weightloss by Dr Jason Fung.   I have not finished the book yet so I have not got to the conclusions bit but I notice by doing an Amazon search that there is also an Obsity Code Cookbook so that will be my next purchase.   I will say that what I have heard from the book so far, it seems very balanced and it looks like common sense mixed in with practical advice which will undoubtedly help a lot of people.   I will let you all make up your own minds about it though.   Regards   Alan
    • I wonder if anyone can help me. I had a loan with a high street bank from about 10 years ago and I had to stop paying because I lost my job. I reduced my payment to a token payment for a few years but I then ceased this some years ago because I took some advice from an online forum which said that I should ask a ‘Subject Access Report’. I did this and I also asked for a copy of the contract with both signatures which highlighted that myself and the bank had a contract and what its terms were. As the loan was made up of an overdraft and a formal loan I thought they would have paperwork. However, eventually the bank responded by saying that they had no contract and they admitted that as such it was not enforceable in court. Over the last year, the bank have again appointed Moorcroft Debt Recovery Limited to use their strongarm tactics. I have not been responding to the last couple of letters asking me to contact them to arrange a payment plan and now their letters are becoming more threatening. Here is the text of their latest letter……. Quote   We are aware that you have failed to agree an affordable repayment plan with us concerning the above account.   As no agreement has been reached we are now in the process of reviewing your account to consider the steps which may be taken in relation to further debt recovery action. The options include recommending one of the following:   ·         1. Continue in our attempts to contact you by letter and phone. ·         2. Instruct a local representative to arrange to call at your home address to try to re-establish contact with you.   To prevent possible further action you must contact us. Failure to contact us by the 22/10/19 will result in one of the aforementioned debt recovery actions being undertaken without further notice.  Unquote As you can see, they are now getting more threatening. I really do not want people knocking at my door – does anyone have any ideas as to what I can do to sort this situation? I do not want to pay for something that seems unenforceable but I do not want knocks at my door either. Any help would be appreciated.   Kind regards    
    • Yes it was a tomlin/consent order I have a recent statement its not showing any additional charges on it. The statement does not show the balance to pay each month, as the contract was terminated in March 17 and the termination bill was added to the account so my payments reduce the account balance £14262.38  Capital £6995.00 Interest £7213.38 Plus 3 x £18 charges  I presume if it went to court again I would be notified?    I thought court costs and charges could increase a balance owing but not be included in arrears or court proceedings when listing the amount owing, or am I wrong?    
    • Check to see if they are adding monthly charges inflating arrears as per DX.
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NHSBSA Penalty Charge notices.

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Hello everyone,


I'm yet another soul thats come from google looking at the forum for some advice regarding a recent PCN that I have been sent.


I got a charge back in August of £9 + £45 PCN, this was for a singular item which is odd because I get 3 items on my prescription monthly.

What happened was I was issued an Exemption form back in October 2018 due to Tax credits and income support,

however I decided to not let my disability hold me back and found a place that wanted to take me on, as the government encourages also paying full tax and National insurance.


I though I was doing the right thing,

however the certificate ran out in April and we were not issued another one nor told that we were no longer exempt,

neither I nor my partner checked so I paid the charge after holding my hand up to it,


however I stated that I had received 3 prescriptions since this with 3 items on each and was told that they can only deal with the one on this case that has been opened with the PCN. I thought the matter was settled when I got a pre payment certificate that I could only back date to mid July and received no more letters.


Come yesterday when I get a PCN now for £90 with £18 in prescription charges....

I sent in a challenge explaining what had gone on and all the above and that I would happily pay for all outstanding prescription charges but I would not pay for any more fines as I deemed them unfair.


I got a response today saying there is no way to pay for unpaid prescriptions and as they are classed as legal documents there is no way to remove the fine.


lets say I pay this fine, again....

how am I to stop further letters and fines if they have no way for me to correct the error of an honest mistake.

The respondent also said they have said they understand I did not act with any intent to defraud yet there is still no exemption in this matter.

The only thing they can do is set a payment plan and they havent even told me if that will include all of the prescriptions.


At this rate I am looking at £405 alone in PCN's and the way they push all the responsibility on to the person without sending any notification feels like entrapment.

I am hoping any one can give me some advice here as what to do next,


I am not looking at getting out of paying the prescriptions,

I will happily do so but I feel the fines are unwarranted especially after I have already paid one and tried to pay for the other prescriptions.


I think there needs to be a change in the way this is handled,

I understand trying to catch intentional fraudsters but this was a genuine mistake and one that I am willing to rectify.


As for clarity on my disability I had an at work accident back in 2013 that caused 3 of my discs to herniate causing sciatica and nerve damage down my left leg,

I meet the requirements for Personal Independence Payments but not with help in mobility by a few points.

I also get Industrial Incident disablement benefit.


Thanks for any replies





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I understand that this is probably a common thread with the answer always being either A or B so thanks to any one who read the post.


Having not slept at all since all of this and after 2 failed appeal attempts by non descript robots, Shirley and Stacey who do not even provide their full names and ignore my requests for proof of the prescriptions with the signatures. I have decided to pay the £108 and await the next lot of fines to come through just so I can get some sleep, though I will still worry when the next dagger comes for me.


I am however contacting my MP in regards to the lack of a system in place to correct geniune mistakes. This kind of system exploits that fact and they get around the £100 maximum per Penalty charge by splitting up the items, I should only be paying £127 per prescription + Penalty charge (3x £9 per item + £100 max) and instead they sent me a Penalty charge for 1 item at £9 + £45, so £54 and the second one for £18 + £90 so £108 equalling £162 total so far.


Being disabled and suffering with anxeity this system does less against prescription fraud and more against exploiting flaws in their system and those slipping through the cracks. I get the same scare tactic answer back everytime I message these robots and to be fair, its working on me.


I doubt this thread will help any one, but at least people see what happens.


I know I'm technically in the wrong, I wasn't exempt and I should of checked, it's my responsibility. It was easier when we had the cards as I carried that every where with me, but who takes an A4 sheet of paper that says you are exempt everywhere with them? Why doesn't HMRC notify people that they are no longer eligable. It's just a system built to build errors and by shifting all the responsibility on to us the receipients they absolve themselves and I don't think that system is fair.


Any way, thanks again.

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