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    • Just to give another view of the NHS and GPs - two GPs probably saved my life last year.   I'd been extremely ill, no appetite, significant weight loss, not taking enough fluids.  Wife took me to A&E.  Terrible experience.  After four hours told my wife to take me home.  She said "told you this was a mistake.  I'll get you an emergency GP appointment tomorrow".  Saw a GP Registrar (essentially a trainee GP) following afternoon.  She was very concerned and asked a colleague for a second opinion.  Second GP was horrified as soon as she saw me, and said "You ought to be in hospital".  She told the trainee to arrange to have me admitted to hospital and just over two hours later (after my wife had driven me there) I was in bed on a medical assessment ward.  Stayed in hospital for a week and was only discharged because they needed the bed.   I was going to complain about my A&E experience (I think the triage nurse must have screwed up my triage assessment) but a week after I was discharged, I had to take my wife to A&E as her optician thought she might have a detached retina.  It was about 5:30pm on a Saturday and the place was full of injured footballers and rugby players.  It was much busier than it had been on the Monday afternoon I'd been there, but my wife saw a doctor in 20 mins and we were out in 40 mins.  I decided that sometimes you're just unlucky...
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markgreen

Nationwide Credit Repair

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I paid this company £75 to repair my credit file so that I will be able to "once again obtain a personal loan from a high street bank." (Their words). The advert said that the usual cost was £150, but they had a special offer. I know I was stupid to fall for this but out of desperation, I was prepared to try anything, as my credit rating was (and still is) very poor. They also said that if they were unable to repair my credit file they offer a full refund. I knew it was a con within weeks of starting the scheme as I was doing everything myself and they done nothing on my behalf. I finally gave up after 6 months of going round in circles and spending money on ordering my credit file several times. I have wrote to them twice asking for my money back but my letters have been ignored.

 

Can I claim this money back in the same way as bank charges, or is this different as I voluntarily paid them the £75.

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Not exactly the same way, but if you paid for a service and it wasn't supplied, you can take them to the Small Claims Court for the returen of all money paid. Just send a letter before action saying you are unhappy at the service received and request a full refund. Send it by Recorded Delivery, and if they ignore you, raise an action.

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I also did this! And found that i had to do everything myself as well, and my file is in the same state as it was when i started!

 

I think i should do the same thing.

 

Cheers

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It's a con mate. They are still doing it, I've looked at their website. Surely this can't be legal, getting people to pay for a service they know they can't provide. If you decide to raise a claim against them let me know, I will be doing it myself but I have a few banks to hit first. I will keep you updated.

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Guest Battleaxe

I got suckered a couple of years ago when I had a CCJ slapped on me, it wasn't even my debt, but that is another story. i approched one of these companies and it cost me about £150.00 I had to do all the work myself. i was so angry, In the end, i refuse to pay the court to get the CCJ removed and wrote to the CRA's putting a note on my file about the CCJ. ithought it was rich having to pay the court to get a CCJ removed that wasn't even mine. It did not affect me getting credit, but what a hassle. these people should be investigated by Trading Standards. They sday they will repair your credit file, but you end up doing it yourself. i think it might come under Trade description or something like that.

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Same as me, got suckered in, then sent a crappy little booklet posting some pretty much useless information on it.

 

I do have their address if anyone wants it, from the booklet they gave me, im going to write to request a refund, if i get no reply ill start a claim.

 

They have changed their website since i have noticed, sharks.

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RESULT.

 

I sent them a letter threatening to refer my complaint about them to the Financial Ombudsman. And within a week I receive a cheque for the full amount. :)

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Guest Battleaxe

Well done markgreen. Goes to show that they can be made to toe the line.

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Credit repair companies charge fees and usually send you an information pack telling you how to get a copy of your credit reference file and how to clear county court judgments.

 

You need to be very careful before paying a fee to a commercial company who suggest they can remove judgments for you. If you apply to the county court to set aside a judgment and you do not have a real reason to do so then you could be in trouble with the court.

 

The Office of Fair Trading (OFT) and many local trading standards departments are investigating credit repair companies. If you are not happy with a credit repair company complain to the local trading standards department in your council.

 

You can also check out a website set up by representatives from trading standards, the credit industry and credit reference agencies which gives more information on credit repair companies and what to watch out for www.ukcreditrepair.co.uk

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Well im going to send a letter to the to them tommorow morning, recorded, demanding my money back or i go to OFT/Ombudsman,

 

Gl anyone else doing this.

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Well, I don't see that doing much. They're not OFT regulated so you'll be told this after a month or so. Better yet, send them a Letter Before Action and advise if a refund is not forthcoming within 21 days, you'll take them to court for the recovery of all fees paid.

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