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    • I had Friday 29th in my mind so that I would get it  and not miss the Monday deadline. Is that the best course of action? Any thoughts from the forum on my plan of 'prove I'm the driver' idea? Is this silly or worth doing? 
    • Indeed. I was just thinking 'Here we go again'. NHS trusts are saying they have problems and want to move to Plan B, Indie Sage scientists are saying things need to change. But HMG isn't listening and says everything's fine.    Meanwhile Chris Whitty has at least stressed the importance of masks, ventilation and so on. 
    • I have heartbreaking news my brother has died 😪 I am well and truly heartbroken😪 I am finding this difficult to write but i need to write this for my brother, There has been a catalogue of fatal errors by this gp practice and even by the hospital before/after the sleeping pills that should never have been prescribed.   background prior to the sleeping pill wrongly prescribed   Diagnaosed with vascular dementia 2019   May 2020   Weight loss reported NO dysphagia (Without any investigation GP writes NO dysphagia (swallowing difficulties which can lead to aspiration pneimonia, weight loss) Prescribed ensure   Jun 2020   weight/diet/nutritional assessment tasked DN team     Referral out    Community Referral for Elderly Care   june 2020 In view of suspected covid infection best to defer weight check/assessment There was no suspected covid infection, how gp got this? nobody called the gp and it was uk lockdown   Jul 2020 Eating & Drinking Complaint brother eating less and losing weight   Jul 2020 Dry cough over night. white phlegm noted Diagnosis: Viral upper respiratory tract infection     Jul 2020    57 Kg weight told Gp over the phone   24 Aug 2020  1 week poor appetite & drowsiness- keeps falling asleep Decrease in appetite   25 Aug 2020 Reported to GP 6 months of steady weight loss: 14kg (June weight 66, now 50kg) NO dysphagia (how without investigating further) If GP had investigated further it would shown my brother had swallowing difficulties which was causing the weigt loss and chest infections.   Feb 2021 Presenting complaint (XaIm8) - chesty cough phlem Diagnosis: Respiratory tract infection     Mar 2021  Presenting complaint (XaIm8) - not eating or sleeping Poor appetite (lost 1 stone since then) and poor sleep   April 2021 Serious reaaction to sleeping pills - causing 2 litres of uring retention indwelling catheter as posted in this thread and problems   18 Jun 2021 chest infection   30 Jun 2021  Chest Ingection Diagnossi should finish antibiotics and plenty fluids   7Jul 2021 Complaint - struggling to swallow large capsules Weight loss/not eating drinking properly Requested liquid version or smaller size capsules   9 July complaint - Please see yesterday's entry by and task sent to , sister saying pt hasn't taken Prostate medication for 4/7, urine rention building up, sistrer concerned requesting alternative medication, small tablet form if not available in liquid, sister says it is urgent for today. Re: patient unable to swallow due to size (approx 24.2mm x 7.7mm SmPC)   10 Jul 2021    Presenting complaint  - Please see 09.07.21 entry, patient still struggling to swallow tablet, urine retention building   July 2021 Nose dripping week, swallowing mucous For the last week cough with green sputum Note previous course of antibioitcs in june for chest infection longstanding swallowing problems - BUT NOT INVESTIGATED!!!!   1 Aug 2021 Feels has chest infection. cough 2 weeks- productive green phelgm Diagnosis: Chest infection - unspecified bronchitis   10 Aug 2021   blocked sinuses/runny nose despite 2 x recent antibiotics,just finished amoxicillin +probable viral infection no further antibiotics indicated observe for now   12 Aug 2021 Presenting complaint struggling with breathing sister concerned wanting Gp to review HOME visit tomorrow   13 August Brother taken to hospital diagnosed with exacerbation of copd steroid tablets, antibiotic tablets, antibiotics into vein in arm struggled to take bloods on 3rd attempt, left with bruised vein chest xray shows pneumonia sent home 7 days meds letter for Gp requests follow up chest xray in 6 weeks (NEVER DONE)   18 August 16 Aug 2021   Presenting complaint - discuss ambulance report thinks needs home visit everyday adv sister is reassuring he did not need nebuliser *brother was put on nebuliser in hospital in august, gp is wrong) A/E attendance likely all related to current LRTI     22 August 2021 Presenting complaint (XaIm8) Home visit Pnemonia. Chest still doesnt sound clear. 1 medication finished today 2 finishing tomorrow - steroids Home visit done by GP Chest clear, good AE B/L, no resp distress HS N, calves SNT, WWP, regular pulse Abdomen SNT Diagnosis: Chest infection NOS (XE0Xs)- resolved   24 Aug 2021  Home visit Chest clear, good AE b/l Diagnosis: Hay fever - unspecified allergen (X00l9)   I then made a private appoint with a respitatory consultant, he got access to the chest xray done in August 2021 and told me my brother had pneomnia in the right lung aspiration pneomonia caused by swallowing difficulties, food liquid going down wrong way into the lungs, causing infection leading to pneaomia. This consultant gave a report of findings, also askig GP to make referral to SALTS carry out swallow assessment. This referral was done far too late by the GP over 10 days delay and only after i kept on complaining why wasnt the SALTS team coming and my brother was down to 6stone in weight. I had to go private consultant for aspiration pneomonia  diagnosis on chest xrays done in August 2021 then give that report to GP to make a SALTS referral. The previous chest infections was aspiration pneomonia but GP clearly misdianosed inc on Home Visits after the August 2021 hospital attendance.   WEIGHT COMPLAINT!! 19 Sep 2021   Presenting complaint wanting to discuss weight loss Discussed - I will task DNs to carry out these reviews as too weak to come to surgery now. Also check weight/ BP I will refer to dietitian Diagnosis: Weight loss - AFTER 12 MONTHS and after lots of complaints GP DECIDES WEIGHT to 6STONE!! decided referral to diatcian after I tell GP!   22 Sep 2021    Recieved a letter from xyz clinic 2 days ago to ask GP doctor to arrange swallowing assessment about swallowing issues GP Diagnosis: Swallowing symptoms (XE0r7) - ONLY AFTER WE TELL HIM PRIVATE CONSULTANT FINDNGS. GP did not bother to investigate all the complains I made about swallowing difficultities. I went to private consultant to get dignosis on swallowing problems, despite makings lots of complaints to GP and being ignored. I was doing the Gp's job in getting the diagnosis for swallowing problems!!   24 Sep 2021 SALTS REFERRAL made  BY GP - ONLY AFTER I WENT TO PRIVATE CONSULTANT Please advise pt's daughter that the GP has messaged the secratary to refer the pt to SALTS referral     27 Sep 2021 Presenting complaint - Presenting complaint (XaIm8) Requesting powder sachets instead of premade shakes. Patient is struggling to swallow these as liquid is rather thick. Family have purchased a few sachets of powder and find these better for him. Also mentioned patient has lost around 1 stone in weight and are concern.   28 Sep 2021 Presenting complaint - Pt having swallowing issues and pt taking Movicol sachets but still constipated as struggling to swallow down properly. DN   GP DOES Hospital Referral for Feeding/ Swallowing AFTER COMPLAINT MADE   30 Sep 2021    Presenting complaint - Unable to swallow movicol properly therefore family request another enema. requests GP to assess first as has had 2 enemas fairly recently already. ongoing swallowing issues - sister says losing weight fast. Been referred to SALT & this has been marked as urgent now.   4 October 2021    Presenting complaint - Concerned about ongoing swallowing issues ?chest infection. says chockes whilst drinking ensures- SALT referral sent E&D less leading to weight loss -Dietician referral sent Patent airways Chest clear, good AE B/L MEDICAL NEGLIGENCE - SEE 5th October!! (This GP is on audio recording telling us the chest is clear)   5th October follow up appointment with private respitatory consultant Diagnosis pneomia due to aspiration (swallowing diffuclties/dementia) Prescribed 4 months of maintenance antibiotics Diagnosis pneomia when the GP the day before said everything was clear!!     7 Oct 2021   Complaint - Why SALTS team not been for assessment, should be marked urgent brother weigh down to 5.5stone. Says spoke to SALT team last week - will be complaining as SALT referral recieved on 21/9. Apolagised for this but on system it was actually sent on 19/09/21 Diagnosis: Swallowing (Xa4M7) -> (ignored my complaints for over 2 years on swallowing problems, and put no dyspghia on my brothers record 2 years ago - when swallowing problems were going on even abck then.   10 Oct 2021   Spoke to sister who has spoke to SALT team on 02/10. Felt SALT nurse was rudee. Says nurse said appointment may take some time ?due to back log of patients in covid period GP then contacts SALTS team to try expedite appointment Diagnosis: Speech and language therapy     12 Oct 2021 Private swallowing assessment done by speech therapist because the GP and SALTS were going aound in circles and brother rapidly losing weight! Private assessment shows serious swallow problem, recommends SALTS team urgent see my brother   15 Oct 2021 Brother coughs up phelhm with blood 1 time in day, reported to GP and request home visit   16 Oct 2021 GP home visit, checks chest, says clear and nothing to worry about - on video GP says brother has blood clot in lungs, go AE and wait, tell GP brother too frail weak, weight 5stone, unable to wait in AE. Request GP make arrangement for xray, bloods, ecg at hospital so brother no need to wait in AE. GP says NO, you have to wait AE. GP will arrange ambulance to go to AE where you WILL HAVE TO WAIT even if it means waiting 6-7hours. Inform GP this is impossible. GP leaves. Calls back in 20mins says NO BEDS available, you just have to wait in AE if it means waiting 7 hours then just wait. Explain the difficulty dementia, too frail, high risk of catching bug and request GP arrange time for brother to go into hospital for bloods, xray, ecg etc, GP says no. Then turns the conversation around telling me 'so your refusing to take your brother to hpstal, if he dies its your fault, i will put that down on his records'. GP hangs the phone.   10 mins later brother collapses, ambulance called, oxygen given, stats up. Taken into hosital, where immedialtely the staff tell me your brother is emacitated dehyradted way too much, all skin and bones. Tell staff, swallow problems, weight loss, complaints to Gp, Gp not listening etc. Brother kept in overnight put onto IV fluids. Discharged the next day   few days later, brother health deteroriates, paramedics to the home, say its pneomonia, i tell them its aspiration pneonua, they agree, explain the swallow problems, weight loss. They say you need to complain to GP.   Oxygen provided, stats go up, paramedics leave 2hrs later stats drop ambulance called, oxygen given 1hhr stats go up, ambulance staff they cant leave oxygen again because 2nd time called to house. They call GP to house with injections inc morphone, which thankfully were never used. Brother passes way at home   My brother died weight was under 5stone, he was skeletone and bones, weight loss problems, swallowing problems complaints made over 2 years and nothing was done until the last couple of weeks only after I went to private consultant for diagnosis, who sent his report the ignorant gps, the same for the private speech therapist report to gp   Gp only refer to dietiacian when brother weight down under 6 stone!! In 2 years no demential assessment done, only done last 2 weeks of brothers life after I complained to GP   This is what I can remember, they will be things I have forgot to add. I am devastated.                                                                                
    • I see, thank you very much. Sorry for repeating the same questions myself! Im working on getting the quotes now
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bryantgumball vs. HSBC


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Ok so they have now submitted their defence..HELP!!

I shall be expecting my AQ, I have read about how to fill it in and that seems pretty straight forward. But I need to ask a few things:


1) On the AQ, the section which says "Have you attached the fee for filing this allocation questionnaire?" well the answer is no because my claim is under £1500. It may seem a silly question but do I tick yes or no here? because I don't want them to take one look at the 'no' tick and throw the claim out


2) When do I send the AQ back to the court, bearing in mind I have to post it. Should I get it in ASAP or give it a few days to see if HSBC come up with an offer?


3) Please someone tell me..how close am I to winning :sad: its been dragging on for so long now and I need the money for carpet (currently have bare concrete in the house!)


4)I'm having a bit of trouble with this: New Strategy for allocation questionnaires

I need an idiots guide of what I send to the court and when. The way I understand it now is firstly I complete the AQ, plus I attach this document (filled in with my details obviously).


After that, I give it a few days and I send the court and HSBC/DG these:

a) Another summary of my charges

b) Copies of my bank statements showing these charges (I have taken them all from internet banking so presumably I can print out each statement?)

c) & d) two other things which I'm not too sure about - is it the document located here tailored to suit my own needs?


Someone please help as I am getting very nervous now :-(

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1 Tick no

2 Either the main thing is not to miss the return date for the AQ

3 4 weeks maybe.

4 Yes to the Draft Order. But you don't send any of the documents until the court tells you to, it may not issue the draft order.

many thanks for this Michael, I will do the AQ and get it sent off asap. I get it so I send off the draft order attached with my AQ, wait for the court to reply and say you have 14 days to send these docs. and then if/when I get that I will probably need to post on here again to get help on what docs to send. Many thanks again

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The other thing to be prepared for is HSBC not to file their AQ on time and the judge to give an extension of another 14 days.


This thread will also help you know what is likely to happen next http://www.consumeractiongroup.co.uk/forum/hsbc-bank/71343-when-you-have-filed.html


and of course you could get an offer at anytime. :D

Guide to claiming back your bank charges


Most of your questions can be answered by following this link.

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  • 2 weeks later...

I telephoned xxxx court today and the woman told me it had been transferred through on the xxth April. Whilst the county Judge, Judge xxxx, isn't requesting AQ's, the xxxx judge might.

I was thinking maybe a quick phonecall to DG? I haven't contacted them before so its not as if I'm hassling. I wouldn't know what to say to them..I would be like "uuhh..umm..I believe you owe me some money" :confused:

Any tips on what to say?

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Ok I have received my Notice Of Allocation (they dispensed with the AQ).

My court date is xxxth July at 14:00.

The NOA looks ok apart from this:


"2. Each party must deliver to every other copy and to the court office copies of all documents on which they intend to rely at the hearing.

These must include:

- The contract

- Bank Statements for the relevant period

- Witness statements


The documents must be delivered by 4pm on the 30th May 2007. The original documents to be brought to the hearing"


:eek: whats all this? point 5 goes onto say about a skeleton argument to be delivered 7 days before court but I assume thats the court bundle etc.


So basically, what do I need to send before xxth and who to?

Also my bank statements are all online..is it a problem just to print these out?


As a side note, would a letter to DG saying something like it would be easier to settle this out of court blah blah and here are my contact details if you wish to discuss be a good idea or does it sound too desperate?

I am just dying for an offer..

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I'm really sorry to keep replying to my own thread :oops:

I have done a bit of reading around on this site and from what I understand now, I need to submit to the court and DG:


1) My Schedule of charges (the contract)

2) Bank statements showing charges printed from HSBC online banking (Bank Statements for the relevant period)

3) Basic court bundle (Witness statements)


Is this right? sorry to keep hassling, I just need a straight yes or no :| many thanks in advance all

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Pretty well everything you need is here:


Court Bundle

Basic Court Bundle


Court Bundle - Examples of Witness Statement, Document list etc

Examples of Witness Statements / Disclosure by List / Draft Directions / Case Summary

Michael, thankyou so much..the witness statement bit will help no end.

So the contract is my summary of charges?

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Sorry, missed that, the contract is your Terms & Conditions.


Obviously include a schedule in the bundle.

ok, is the Ts&Cs This document? So basically print off the whole thing and include that? or just the section about current accounts?

(its a good thing I can do duplex printing!)

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or just the section about current accounts?


Yes Pages 1 - 39. This is their current T&C's which came into effect 1st Dec 2006. Ideally it would be better to have a copy of their old T&C's, but on the basis that the court bundle is unlikely to see the inside of a courtroom, it's hardly vital.
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Yes Pages 1 - 39. This is their current T&C's which came into effect 1st Dec 2006. Ideally it would be better to have a copy of their old T&C's, but on the basis that the court bundle is unlikely to see the inside of a courtroom, it's hardly vital.

excellent thankyou ever so much.


Just one last point, I am ok to print out bank statements from HSBC's online banking?

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  • 2 weeks later...

I've won. :)

I got a letter yesterday without predujice (as always) for the full amount interest and costs and all.

Apparently I'm not supposed to tell anyone hence I have edited all the figures and dates in this thread, perhaps thats me being paranoid but hey, better to be safe than sorry.

Can someone please tell me who the best person to PM is about this so it can be added to the total charges reclaimed bit.

For the record if there is anyone in the claiming stage, it took me a total of three months to get back the charges. Oh, and a bit of advice..be patient and stick with it, you will get there and its a good feeling when you read that letter with the offer :)

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can anyone please tell me how long DG take to get their bottoms in gear and pay up?

I know I only got the letter 2 days ago, but I just don't want it to be ages.

I faxed the letter back and also sent it recorded delivery in the post, with a cover letter saying I won't stop the claim until I receive the full payment.

I have tried telephoning Rachel but always get voicemail.

Can people please with their experiences tell me how long theirs took?

thanks guys

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I just got a call from Niaomi at DG, apparently they will request payment on monday and it will take 7-10 days to process - eh? it takes 7 days for a bank to put money into one of their bank accounts? I'm surprised I'm not going to get charged an administration fee for the 'service' :wink:

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