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    • Okay, just seen this and thought I’d stick a oar in.   If your (old) GP feels that the therapeutic relationship is damaged to the extent that they’re unable to treat you then they’re perfectly within their rights to have a colleague see you. It would appear, in spades, that this is likely the case given the strength of your reaction to a relatively minor occurrence. If that wasn’t / isn’t the case and there was indeed an emergency then the GP concerned did you a favour by not making you wait any longer.    There’s a common misconception that once a patient has left the consultation room that the GP is free to start work on the next patient. If indeed it was an emergency the GP could have well instructed the person to travel directly to a local hospital whilst they call ahead to arrange urgent investigations or treatment which takes time. And please be assured, 40/50 minutes on the telephone to a hospital trying to track down the consultant or ST1 responsible for a particular speciality isn’t uncommon.   By all means ask the PM for an explanation, it’s likely to be very simple. A clear breakdown of therapeutic relationship.  
    • I agree with BN. Do you have anyone to help you like the CAB or welfare rights at the council or a charity? It seems a shame to miss out on money if you're entitled to it.    HB
    • Hi all   I have a court date for speeding and FtF. Court is 140 miles from my home. I have written to the Clerk of the court for transfer to my local court. I haven’t heard back yet after 10 days. Just want to find out if such request can be granted.   Also, I have been asked to go and work abroad for 3 weeks. I finish the posting 3 days after my original court date. Can I ask for adjournment or do I have to reject my job posting?   Every input greatly appreciated.   Thanks all.
    • Hi, I received this reply today to my dated, signed SAR. I also sent a PDF of the SAR to the people manager via e-mail using the internal e-mail system, and it's been acknowledged so they know it's from me. They are clearly messing me around.    "Dear ****   RE: Subject Access Request   Thank you for your letter dated 15 May 2019, regarding your request for data, which we received on 20 May 2019.    As you will be aware the timescale to process GDPR (Data Protection Act 2018) Subject Access Requests is one calendar month from the day after which we receive a request. Any personal data that we may hold on you will be sent to you within the permitted time frame. However, to note that before we release any data that we may hold we will need to confirm your identity to ensure that you are entitled to receive the data.    If you have any further questions or comments relating to this matter, please contact us on *email address*.    Yours sincerely,  *scanned signature* Name People manager Organisation    
    • Thanks for updating, you should take some further advice on this, Its stressful but a large amount of income fr you is at stake.
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
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dizzydolly

quick answers please??

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Hi, i've just logged on to this site, as I am just going to start a claim. I was hoping for some clear, quick answers for a couple of questions I have please?! I am currently reading through all the FAQs etc, but some of it sounds very complicated! Can anyone help please?!

 

What is a default notice? How do you know if you have been 'defaulted for a debt which has been caused by unlawful charges'? I am intending on going back through my statements to calculate my charges, rather than write to the bank asking for the total. Is this ok and will it show everything?

 

Can you just claim back for 6 years worth only? Is there a maximum £ you can claim? (I am with RBS by the way).

 

Thank you so much in advance, I think I will find this forum very helpful and useful!

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What is a default notice? How do you know if you have been 'defaulted for a debt which has been caused by unlawful charges'?

You should have been notified at the time. You can check your credit record for £2 here:

Equifax - Your credit history and your rights explained

Equifax - Your credit history and your rights explained

Experian - Credit reference agency

Experian - Credit reference agency

 

I am intending on going back through my statements to calculate my charges, rather than write to the bank asking for the total. Is this ok and will it show everything?

Yes that's fine

 

Can you just claim back for 6 years worth only?

 

Yes

 

Is there a maximum £ you can claim?

£5000 in Small Claims court, £15000 in Fast Track, £99999 in Multi Track

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I am intending on going back through my statements to calculate my charges, rather than write to the bank asking for the total.

Just to add to Michael's response, yes you can but ensure you have EVERY statement. If you have some missing, it might still be worth sending an SAR to RBS for a complete list of statements.


If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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As far as I am aware RBS are very quick to add a default notice to your credit rating and unless removed will stay for six years.I have this problem and settled out of court for payment but they did not remove the default and when I wrote to them they wrote back to say they would not remove it. So I have a new case against them and this time on the papers sent to the court I especially mentioned about removing all my defaults. This time I will not settle out of court unless I get all defaults removed. Be warned:mad:

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Dizzy, there is an explanation of a default notice here. I would think though that if you HAD one, you'd know about it?


If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Thank you all, i dont think i have a default notice to worry about as have never been aware of one, plus all my charges 'just' come from going over agreed overdraft limit, interest etc, not non-payment of specific bills etc.

 

One more thing though - i have two accounts: one is my current account, another is one where i wish to pay off the overdraft and then close it, i think as soon as i pay it off the RBS will close it anyway, so do i start preceedings on this account before i pay off and close it? Or can you still claim on closed accounts?

 

And lastly, can you claim on the two accounts together, ie, same letter/spreadsheets or seperate letters/spreadsheets etc?

 

Thankyou again in advance!

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You can claim on closed accounts. IMO it would be best to close it first because the sooner it is closed the sooner you aren't in debt to them.

 

You can claim two accounts together but it is best to have two spreadsheets otherwise it will get real confusing.


If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Thank you T4FF. I will do, and will post again very shortly needing more help i'm sure :-|

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