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    • I keep an eye on the NHS board because I'm a former NHS manager.  I saw this thread started years ago and thought I'd have look.   I'm sure it's purely coincidental, but when I got to #61, it reminded me of a different poster on a different thread from last year.  They aren't identical, but the way things are expressed are remarkably similar.  (eg 20 min wait - ask receptionist - Drs are very busy - wait another 20 min - ask again - receptionist checks computer - says Dr has refused to see you because of complaint 2 years ago - transferred to another GP who expresses "shock" at other Dr's behaviour - vague and confusing references to a "justified" complaint.   Maybe it's just me, but they seem remarkably similar, although the other thread is missing a 2014, 2016, 2017 backstory.     layla_83   As others have already said, there seems little point in complaining now about issues that stem from things that happened in 2014 (and 2016?).  If you wanted to complain to "put the system right", you should have done that six years ago.  Even if the original GP is still about, they won't remember any of it, so there will be absolutely no opportunity for them to learn any lessons from it.  And the fact that the original GP did not want to see you (or rather your mother) because you (she) had made a complaint against them two years ago most certainly does not mean that the GP remembers anything from 2014, it just means that you (or your mother) are flagged up on their system as a "complainer".  As I asked a year ago, why would anyone be unhappy because a GP they had previously complained about refused to see them?  You should be relieved!!!  You say the GP should not take the complaint personally, but if I were a GP I would not want to treat anyone who has made a complaint against me.  (And if you are connected to that other thread, you should have complained to your local CCG or the GMC by now).   You were going to send a letter of complaint to the practice in 2017, so why only now complain about their response?  Did it take them nearly three years to reply?
    • Hi JeelyM and welcome to CAG   1. Do you have the details of the person you bought the bike from.   2. Did you go to their address when you bought it.   3. Did you pay cash for it or what other means.   4. Did you pay the full market for buying the bike.   5. What did you pay.   6. Give us make and model of the bike please.
    • Pre-final draft of my WS. Any fresh eyes would be great as ive been on this for the last 7 hours now and I cant see for looking anymore.  massively sorry if ive missed anything, your help, advice and guidance has been invaluable.   *** Still unsure about my point 6 and POFA and how its failing to create keeper liability as NTK a. mentions POFA, it states the 28 days. Help!  The only thing i'm sure of is that i defo didnt receive a notice to driver as per POFA. Any specifics that i can actually quote would be brilliant right now.   Will be sending off tomorrow. Still nervous about the fact that i need to post this to CEL and will therefore be late. Will this matter? i can also email a copy to a random mediate email address they put on some correspondence in the meantime. Still havent received theirs neither FYI.    cheers people LLH witness statement.pdf
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      Submitter BankFodder Type One Right Answer Time 5 minutes Total Questions 8 Category The Youth Consumer Service Submitted 15/05/20  
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BankFodder

Klarna and Afterpay - Buy now, pay later 'growing fast' amid debt fears

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Buy now, pay later services for online shoppers are growing at 39% a year, a report says, despite worries that young consumers are sleepwalking into debt.

Operators such as Klarna and Afterpay allow customers to delay payment or buy through interest-free instalments.

Convenience and the ease to make snap purchases are behind their popularity, according to the report by payment processors Worldpay.

But consumer groups say many young people are ignoring the debt risks.

 

https://www.bbc.com/news/business-51644712


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This is even more insidious than the overtly expensive Brighthouse malarkey. There will be a debt bubble in the coming months from people defaulting on this. We need to research it in depth.


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