heres is my reply ive got from ltlwoods thankyou to everyone who has helped me excuse me for being a bi thick but i dont really understand what theyare actully saying i will type the letter i got yesterday Dear xxxxxxxxxxxxxxxxxxxxx I am writing futher to our letter dated xxxxxxxxx concerning your complant in relation to your rquest for a true copy of your iged agreement for your littlewoods direct (now called very) account. Please accept our aolgies that you have found it neccasary to complain. I can confirm that a we are unable o locte a cop of the orignal signed credit agreement we will not be enforcing the above account forthe outstanding blance of £418.81 howevr if we subsequently locate this agreement we reserve the right to recommence collection activity \i should explain that whist a court has power inder section 127 of the ca 1974 to decide that we cannot enforce the agreement it does ot mean that the debt does notezist there is clear evidence of a credit based relationship between the shop direct group and you as the debt remains unsatified it will be noted on our internal file for future reference this information will also form part of your reord at the credit reference agencys where we share information this nformaton will remain on your credit reference file for 6 years. by you providing inf0rmatin to us for the purpose of ordering goods and oening a crdit ac**** you have signified your consent t us processinyour information we outlined how we would use this information in our dta protection policy at the tie you opened your ac**** the policy also spcifies that e will share information with the credit reference angencies regarding the preformance of your account i ca confim that tis letter concluds our investagations int your complaint i hope our xplnatio meets with your saifacton however if this is not the case you an refer the matter to the financial ombudsman fos please note that this service requires you to complaint to them within 6 months from the dte of this letter they ill requir you to confirm that we have ssued fial resonseenclose is a leaflet whic explains the FOS in more detail yours sincerly xxxxxxxxxxxxxxxxxxxxxxxxxx

Hi ty for comingin glad you found thead lol yes plese i would lik tht.so do i write to b.... and ask them for the cca? smiles really they will ru away mmmmmm i will go for it tyvm for your helpingme i have anothr thread which im going in to now rgent plz littlewood i have had a good reply from them as well lol abg

ty once again what or how do i respond to this firm below as they have now taken over from moorcroft ty for any help n advise abg (abroadgirl)

hi all just browsing and came across your thread i know i have been the same and i have my own thread with everything in it about them, mine stopped paying pp after realising that it was my hubby that was out of work due to illness etc and it wenton from there and stopped paying the pp so now with all the charges etc so i am as the same as you all will check out my thread again or maybe take alook may help you all cabot whatever they are called had the same probs as me and vanquis not responding to anything after a time now they have and now cabot are on to me apy this pay that etc the normal ty abroadgirl

Hi ty for your reply guess what yes another notice of default sums under the consumer credit act 1974 debt collection letter fee and insufficent min payment fee £24 I did send them the £1 for the cca but they took it off my account they are not allowed to do this but yes they did. i now will do what you have said and will let u know what i get back from them. i have a thread also ugt littlewoods tyvvm abg

hello all, please excuse me for not ccomming in i have had health probs, now i am just getting over kidney stones but i felt i should get back here as this is now driving me mad i do have my own thread about J D Williams/Fashion World also i am here as well in your thread ty HERES MY UPDATE I have done everything i have been advised on here. I have sent all the documentations and letters with the help of everyone.inc hardship which they have had and although they agreed with the hardship they sent me to fill in they still want there money and charges bloomin heck its over two thousand i did put the statments here will put them in again look at there charges etc tyvvm abg morecroft must have refered this to this company below now yesterday i got a letter this letter from buchananclark + wells Opening Hours: Monday - Thursday 8am-8pm Friday 8am-5pm Saturday 9am-1 pm Payment Online: Pay Online by Debit or Cre Pursuers: J D WILLIAMS Principal Sum: £xxxxxxxxxxxxxx B€W Ref:-B1093?-4frJ--- - We have been instructed by J D WILLIAMS to recover an overdue debt, in the sum of £xxxxxxxxxx on their behalf. Our clients have informed us that they are unaware of any legitimate reason for non-payment of their account and although they would prefer an amicable settlement, will not hesitate to commence Legal Proceedings if necessary. Please call our 24 Hour Payment Line immediately on 0844 571 4030to make payment by Credit or Debit Card. Payment is also accepted online at BCWGroup online payments Should there be any matter that you would like to bring to our attention or if you wish to discuss your financial circumstances in relation to the debt, please call us immediately. For and on behalf of Buchanan Clark & Wells

hello all, please excuse me for not ccomming in i have had health probs, now i am just getting over kidney stones but i felt i should get back here as this is now driving me mad i do have my own thread about J D Williams/Fashion World also i am here as well in your thread ty HERES MY UPDATE I have done everything i have been advised on here. I have sent all the documentations and letters with the help of everyone.inc hardship which they have had and although they agreed with the hardship they sent me to fill in they still want there money and charges bloomin heck its over two thousand i did put the statments here will put them in again look at there charges etc tyvvm abg now yesterday i got a letter this letter from buchananclark + wells Opening Hours: Monday - Thursday 8am-8pm Friday 8am-5pm Saturday 9am-1 pm Payment Online: Pay Online by Debit or Cre Pursuers: J D WILLIAMS Principal Sum: £xxxxxxxxxxxxxx B€W Ref:-B1093?-4frJ--- - We have been instructed by J D WILLIAMS to recover an overdue debt, in the sum of £xxxxxxxxxx on their behalf. Our clients have informed us that they are unaware of any legitimate reason for non-payment of their account and although they would prefer an amicable settlement, will not hesitate to commence Legal Proceedings if necessary. Please call our 24 Hour Payment Line immediately on 0844 571 4030to make payment by Credit or Debit Card. Payment is also accepted online at BCWGroup online payments Should there be any matter that you would like to bring to our attention or if you wish to discuss your financial circumstances in relation to the debt, please call us immediately. For and on behalf of Buchanan Clark & Wells Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

hello all, please excuse me for not ccomming in i have had health probs, now i am just getting over kidney stones but i felt i should get back here as this is now driving me mad i do have my own thread about littlewoods also i am here as well in yours HERES MY UPDATE I have done everything i have been advised on here. I have sent all the documentations and letters with the help of everyone. now littlewoods send me a reply saying they are (again) looking into this there normal this is the 3rd time i have got this since dealing with them i am still waiting for cca copy. now yesterday i got a letter littlewoods have now refered me to NDR so now i dont know what to say to these do i have to re do the same all the same letters etc here is the letter ffrom NDR Office Hours: Monday - Friday 8:00am - 9:00prr Saturday 8:30am - 4:30pm Claimanfs name tyvvvm for any help advice abg and address: Shop Direct Finance Company Limited Aintree Innovation Centre, Park Lane, Netherton, Bootie L30 1SL to act on their behalf in securing repayment for the sum of £418.81 in respect of purchases made from Very. Accordingly, we give notice that unless this account is paid - or a satisfactory repayment arrangement is made within 7 days, our client will take the following action: Register a Default at the Credit Reference Bureau which will remain on your credit file for 6 years and may affect your ability to gain further credit in the future. court procceedings court costs If you wish to Pf:lY ~ your arrears in full: If you can pay your arrears in full within the next 7 days then we will remove ail default charges and additional interest applied to your account. If you wish to make ~ an offer of repayment: If you wish to make an offer of repayment you should do so within seven days by contacting us on 08448224095. Balance £418.81 Arrears £188.08 Minimum payment required £223.65 Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

hello all, please excuse me for not ccomming in i have had health probs, now i am just getting over kidney stones but i felt i should get back here as this is now driving me mad i do have my own thread about littlewoods also i am here as well in yours HERES MY UPDATE I have done everything i have been advised on here. I have sent all the documentations and letters with the help of everyone. now littlewoods send me a reply saying they are (again) looking into this there normal this is the 3rd time i have got this since dealing with them i am still waiting for cca copy. now yesterday i got a letter littlewoods have now refered me to NDR so now i dont know what to say to these do i have to re do the same all the same letters etc here is the letter ffrom NDR Office Hours: Monday - Friday 8:00am - 9:00prr Saturday 8:30am - 4:30pm Claimanfs name tyvvvm for any help advice abg and address: Shop Direct Finance Company Limited Aintree Innovation Centre, Park Lane, Netherton, Bootie L30 1SL to act on their behalf in securing repayment for the sum of £418.81 in respect of purchases made from Very. Accordingly, we give notice that unless this account is paid - or a satisfactory repayment arrangement is made within 7 days, our client will take the following action: Register a Default at the Credit Reference Bureau which will remain on your credit file for 6 years and may affect your ability to gain further credit in the future. court procceedings court costs If you wish to Pf:lY ~ your arrears in full: If you can pay your arrears in full within the next 7 days then we will remove ail default charges and additional interest applied to your account. If you wish to make ~ an offer of repayment: If you wish to make an offer of repayment you should do so within seven days by contacting us on 08448224095. Balance £418.81 Arrears £188.08 Minimum payment required £223.65 Our reference: XDRlj0004639 Nationwide

tysm for all your help i am waiting for a copy from them i am sorry but the one i have is for another one dated 2003 will put it in when i get it from them heres another letter i have sent to them Littlewoods Direct Dear Sir/Madam, I am anxious to resolve matters with regard to the above matter. You are not assisting in this respect by harassing me and causing unnecessary stress. . Please stop making telephone calls to me. This includes my home and landline telephone number . It is very distressing , harassing and annoying to continually have to get up and monitor the telephone and filter out unwanted calls.. I Will not under any circumstances discuss this matter verbally over the telephone or in person. Cognisant of the ever increasing threat of identity fraud and theft of personal financial information and data, it has been our family policy , for quite some time now, in dealing with all our bank , service and other financial providers that we never give personal security information or a part thereof to inbound telephone callers , nor do we discuss financial matters verbally. The above policies also apply to personal uninvited callers to our home and for this reason I would also ask you to note that I would never agree at any time for you, your agents or representatives to call personally at my home nor would I ever discuss this matter with an uninvited personal caller, therefore please do not ask to make any such appointment. or use “threats” of personal calls to my home.. In light of the above it therefore follows , given that any further calls by telephone or personal uninvited call from you, your agents or representatives would never “get past” confirmation of identity nor would any “security “ information be disclosed , any further attempts by you to contact me in this way can only be seen (by a right thinking person) as an attempt to continue to cause further harassment and distress. It may be the case that you were unaware of the reasons why I will not accept telephone calls and/or personal callers, however now that you are fully aware of the reasons , if you continue to ignore my request it will be at risk of formal complaints and possible legal proceedings and claims for damages. - 2 - It is also our family policy, in respect of dealings with all , service providers and other financial providers to insist that ALL communications are in writing in order to avoid any dispute as to what may or may not have been said or done and to provide an audit trail of events. This can only be to our mutual benefit. Whilst I appreciate that this is a very formal way of contact it does in fact allow the matter to be dealt with in a more efficient and businesslike manner.. I undertake to respond to written communication (excluding letters asking me to call you on the telephone or to make appointments or “threaten” personal calls to my home) normally within 7 days and certainly no longer than 14 days of receipt. As a consequence of the foregoing you may therefore assume that any written communication from you which is not responded to by me within 14 days is likely to have not reached me and you may wish to re send the document- particularly if it is considered to be an important one. May I also remind you that as holders of a licence to operate under the Consumer Credit Act it is your responsibility to be aware of and act within the rules of the CCA and OFT rules and guidelines and it is not for me to have to quote the legislation to you I trust I have made my position clear and that we can now try to resolve this matter more amicably and efficiently . Futhermore i would like to request a copy of the cca. I have requested this before again you have choosen to ignore. I have filled in the form for Hardship but you have choosen to ignore this as well. Yours sincerely

here is what i have sent them Littlewoods Direct Dear Sir/Madam, I am anxious to resolve matters with regard to the above matter. You are not assisting in this respect by harassing me and causing unnecessary stress. . Please stop making telephone calls to me. This includes my home and landline telephone number . It is very distressing , harassing and annoying to continually have to get up and monitor the telephone and filter out unwanted calls.. I Will not under any circumstances discuss this matter verbally over the telephone or in person. Cognisant of the ever increasing threat of identity fraud and theft of personal financial information and data, it has been our family policy , for quite some time now, in dealing with all our bank , service and other financial providers that we never give personal security information or a part thereof to inbound telephone callers , nor do we discuss financial matters verbally. The above policies also apply to personal uninvited callers to our home and for this reason I would also ask you to note that I would never agree at any time for you, your agents or representatives to call personally at my home nor would I ever discuss this matter with an uninvited personal caller, therefore please do not ask to make any such appointment. or use “threats” of personal calls to my home.. In light of the above it therefore follows , given that any further calls by telephone or personal uninvited call from you, your agents or representatives would never “get past” confirmation of identity nor would any “security “ information be disclosed , any further attempts by you to contact me in this way can only be seen (by a right thinking person) as an attempt to continue to cause further harassment and distress. It may be the case that you were unaware of the reasons why I will not accept telephone calls and/or personal callers, however now that you are fully aware of the reasons , if you continue to ignore my request it will be at risk of formal complaints and possible legal proceedings and claims for damages. - 2 - It is also our family policy, in respect of dealings with all , service providers and other financial providers to insist that ALL communications are in writing in order to avoid any dispute as to what may or may not have been said or done and to provide an audit trail of events. This can only be to our mutual benefit. Whilst I appreciate that this is a very formal way of contact it does in fact allow the matter to be dealt with in a more efficient and businesslike manner.. I undertake to respond to written communication (excluding letters asking me to call you on the telephone or to make appointments or “threaten” personal calls to my home) normally within 7 days and certainly no longer than 14 days of receipt. As a consequence of the foregoing you may therefore assume that any written communication from you which is not responded to by me within 14 days is likely to have not reached me and you may wish to re send the document- particularly if it is considered to be an important one. May I also remind you that as holders of a licence to operate under the Consumer Credit Act it is your responsibility to be aware of and act within the rules of the CCA and OFT rules and guidelines and it is not for me to have to quote the legislation to you I trust I have made my position clear and that we can now try to resolve this matter more amicably and efficiently . I have filled in the form for Hardship but you have choosen to ignore this as well. Yours sincerely

hi electricmayhem, i am the same with the phone calls i have sent them the letters from here (my threadis littlewoods ugent please) it may help you . also i have sent them telephone harrssemnt letter, now i sent them hardship letter and filled in the forms for hardship they agreed but did nothing and i pay £5 amonth i cannot afford that and with the harrassemnt i paid £1 this month they are adding charges left right and centre including debt collection letter fees and insufficient mim payments fees abg

Thankyou all for replys and help. I will send them that letter and will follow it through ty they are now putting extra charges on insufficient payment fees debt letter fees at £12.00 each one and yes still phoneing me tyvvm all abg

UPDATE They are still phoning, i just hang up they have sent a letter again saying that £5 a month is unaceptable so i have jst paid them £1 a month i have told oft/ts i am now going to see if talktalk can do anything for there nuisence calls will keep you all updated am still trying to get the cca scanned for you all

here is what i have done so far tyavm for all your help i have to present it properly etc PAGE 1 SUMMARY. I dissagree with his comments "psychological Assessment" may be required. I did still get pain, in which i did go to the doctors but was told i was on the highest medication. I do not imagine pain that i get. I am still on medication NAPROXEN TABS 500MG TWICE DAILY TRAMADOL 50MG TWO DAILY AS DIRECTED. PAGE 3 HISTORY PICTURE ENCLOSED WITH THHIS STATEMENT R. MILLER The car was driven along the motorway when the bonnet of the car suddenly opened and smashing the windscreen. i was thrown forward due to brakes being stopped hard. after the driver mr m mcneil got out of the car closing the bonnet he then set off again after driving approx 100 yards the bonnet of the car sprung open again hitting the windscreen which shattered the windscreen. Mr miller the front seat passenger had to guide mr mcneil across to the hardshoulder. the LORRY driver who had witnessed this the first time said he had to stay with us, as he seen we needed help so the lorry driver went into the hardshoulder and immediatly telephoned ambulance and police then the car i was in went into the back of the lorry saftey bar i dont recollet anything then apart from hitting the baby seat at my left side of me i dont remember anything and was comming around with the voice of my son calling mum mum in which when i came round i could only see blue smoke, upon my son helping me out of the car undoing my seat belt i was being helped by mr mcneil and walking as if i was staggering holding my chest. i was feeling strange. it was a while before the ambulance came in which i was quiet and holding my chest. They took me in the ambulance and did tests and then assessed my ribs where they said it was a fracture to the ribs. I was unconscious, but was brought round by mr mcneil . the bruising was caused by the seat belt as you can see from the right side from shoulder to tummy and where the seat belt went across the tummy. PAGE 4 THE HOSPITAL RECORDS. The car had not struck a board on the layby the car went into the back of the lorry had it not been for the safety bar on the lorry that we went into, which was stationary. the car we were in would have gone under the lorry itself.... only for the stationery lorry (the lorry driver has given his statement ) if you require a copy please request from c.ashwoth solicitor. There was no board on a layby? By the time the ambulance arrived yes i was conscious bruising did not appear untill the day after 6/11/2008, in which photos had been taken from 06/11/2008 and therefore were taken long after the the accident please see enclosed photos. 1. bruising of the back of the head. 2. right tooth letter attached. 3. the brusing of the body and adoman was severe. 4. following the assesment the last dr i seen was wanting me to stay in overnight where if i had of done so they would have seen the bruising themselves, but my husband said that i would be better at home. 5. the Dr did confirm firomyalgia at the hospital. 6.i did consult my gp, nurse, trainee dr's mainly about the rib pain and right arm i was put on medication as mentioned in paragraph page 1. futher medication was prescribed again in page 1 details of the medication already given. i am taking solphadol 30/500mg , Mr Cornah states in his report arthritis of the spine- it should read siactia of the lower spine which i feel goes into the left hip. a list of medication is to be set out as follows: NAPROXEN 500MG TRAMADOL 50MG HRT CLOMIPRAMINE TABS 75MG METOCLOPRAMIDE 10MG OMEPRAZOLE 20MG FERROUS FUMARATE 322MG SOLPHADOL 30/500MG REQUIP4MG SYMBICORT 200/6 INHALER ASPRIN 75MG TWICE DAILY FENACTOL 75MG PINK PUMP SPRAY SALBUTAMOOL SULPHATE INHALER PAGE 6 PRE-ACCIDENT STATE. THE LONG HISTORY OF MEDICAL PROBLEMS IN MY VIEW HAS NOTHING TO DO WITH THIS MEDICAL, AND SHOULD ONLY BE FROM THE CAR ACCIDENT 05/11/2008 TO THE PRESENT OR UP TO THE MEDICAL FOR THIS REPORT. I understand that these questions may be asked but to go into detail and present a medical report on the grounds of previous medical history should not be taken into account. In july of 1996 i went to see my gp with the pain in the legs which was like a sharpe knife scrapeing up and down the front of the bone in both legs were i seen a Mr Burns the rhumatoyde doctor. I had sick notes also attended my gp Dr Jonston who eventully signed me off for life. I had since then had to undergo medicals again this is nothing to do with medical repot. The diagnoisis in scotland were as follows JOINT PAINS ASTHMA INFLAMARTARY OF THE JOINTS. AMA 08/01/1997 ASSESSED 80% LETTER FROM DR JOHNSTON TO AMA ENCLOSED FACTS OF THE CASE 1. OSTEOPOROSIS 2. SPINAL ARTHRITIS WITH LEFT SCIATICA CONFIRMED ON JANUARY 2005 (ADDRESS FLEETWOOD NOT IN SCOTLAND) 3. ANGINA CONFIRMED 2004(ADDRESS IN FLEETWOOD NOT SCOTLAND) MEDICAL ADVISORS REPORT CONDITIONS 1. OSTEOPOROSIS 2. SPINAL ARTHRITUS WITH LEFT SCIATICA 3. ANGINA 4. COPD TREATMENT WAS IN SCOTLAND SEE ATTACHED LETTER FROM DR JOHNSON PAGE 7 PRESENT SYMPTOMS PLEASE NOTE I HAVE ATTENDED MY GP WITH MY RIGHT ARM AND PAIN IN THE RIB AREA. WHEN I TRIED TO EXPLAIN TO MR CORNAH, THE PAIN I DID EXPERIENCE HIS REPLY WAS "I DONT UNDERSTAND WHAT YOU MEAN" 1. THE FACIAL INJURY THE HOSPITAL NOTES IN WHICH HE RECIEVED THEY WERE INTERESTED IN THE CHEST AND RIB AREA. OFCOURSE I DIDNT TELL THEM OF ANY OTHER INJURY ALSO I DIDNT NOTICE MY TOOTH UNTIL THE FOLLOWING DAY. PLEASE SEE DENTIST REPORT AS REQUESTED BY MR CORNAH 2. THE CHEST INJURY WHAT I TOLD MR CORNAH WAS THE TRUTH AS HE SAYS IN THIS PARAGRAPH, THE PHOTOGRAPHS dO SHOW THE SERVERNESS OF THE BRUISING. THE BRUISING APPEARED ON 06/11/2008 AND DID LAST FOR LONGer THAN 2/3 WEEKS IT WAS AFTER THIS THE BRUISING STARTED TO FADE SLOWLY. IN WHICH THE BRUISING DID LAST LONGER THAN ANTICIPATED. ONE CANNOT EXACTLY SAY WHEN BRUISING AND PAIN SHOULD LAST FOR IT VARIES WITH EACH INDIVIDUAL. PAGE 8 THE RIGHT ARM. PLEASE SEE ENCLOSED LETTER FROM PHYSIOTHERAPY, WHERE TREATMENT STARTED ON 29TH MAY 2009 STILL ONGOING. THE LEFT ARM The left arm was hit on the baby chair that was attached to the left of the back seat. PAGE 9 THE FACIAL INJURY ENCLOSED DENTIST REPORT. 2. THE CHEST INJURY WHEN MR CORNAH PLACED HIS HANDS ON RIBCAGE I DID SIGH WITH A LITTLE DISCOMFORT IT IS ONLY NATRUAL THAT THERE WOULDNT BE ANY BRUISING LEFT FROM THE ACCIDENT TILL THIS MEDICAL I WENT FOR. 3. THE RIGHT ARM I HAD BEEN IN DISCOMFORT THIS IS WHY I KEPT GOING BACK TO MY GP, I DIDNT ALWAYS SEE MY GP, as i seen a locom also trainee dr's that were there. PAGE 10 1. The daily records MR Cornah relates to notes and printouts from 1967? yet there seems to be no notes in his report. I also attended Blackpool A&E weeks after the accident but there is no mention of the letter from the dr who has sent a letter to my own GP. I take it mr Cornah refers to the A&E on the 5th november 2008 at preston hospital was he refering to the accident? I have no knowledge of a cancelation on the 7/11/2008. PAGE 12 i WAS SEEN BY THE GP'S NURSE AS I WAS STRUGGLING TO TAKE MY INHALERS DUE TO HAVING TO TAKE DEEP BREATHES THIS SHOULD BE DOWN ON MY RECORDS ALSO AS TO WHAT WAS ADVISED TO DO REGARDING TAKING MY INHALERS WITH A BUBBLE TUBE WHEREAS I CAN TAKE IT EASILY AND SLOWLY AND AT MY PACE. PLEASE SEE THE THE NOTICE OF AWARD I RECIVED IN PREVIOUS PAGES. PAGE 13 CONTINUED..... I WAS GIVEN A SICK NOTE FROM MY GP to refraiN from work see sick note enclosed july 1969 i didnt stop working to what mr Cornah states it was with the bones in my legs. I do not display bizare illness or behaviour nor do i inapproprite signs it is a pity that i am not seen when i am in pain, discomfort. I do not go to my gp unless i really need to go . i am enclosing recent correspondence relevant to this claim although i dont think that this should be when afterall the claim is for a medical report on the grounds of the car accident and not my past, I wonder if Mr Cornah would really like the whole history of my medical records from being born till now he would be very shocked to sit and see them all afterall he seems so interested in my past then why not go the whole way mr Cornah, as you dont know me nor am i a paitent of yours but by this report you seem to have a lot to say about someone you dont even know. PAGE 14 wHAT HAS MY CONDITIONS TO DO WITH MR CORNAH, AND WHAT RIGHT DOES HE HAVE TO SAY WHAT I SHOULD AND NOT DO OR HAVE? COMMENT YES THE ROAD ACCIDENT WAS AND HAS BEEN FRIGHTENING RTA, and i still am scared just like anyone one else would be i am no exception from anyone else. 1. a dentIst report is being obtained for your records. No comment on the head injury or neck due to not realising the only concern where the paramedics and hopital staff and drs for the pain i was in at the present time untill the following day as i have already said. PAGE 15 2. THE CHEST This did not resolve in the period of 4/6 weeks as he states if this was the case then why wasnt i diagnosed with a diffErent cause to what was causing this? i was complaining as to the shooting pains within the rib area. 3. THE RIGHT ARM I was examined by a gp at my surgery who examined my shoulder/arm this is when she refered me to pysio enclosed letter. as we all know i was also told of the long waiting list that i have to wait on. The movement at the time was painful although Mr Cornah, stretched my arm right up yes there was some discomfort but he was in such a hurry i began to think to myself whats the point he wasnt really interested, just wanted to do and say and finish of my sentence or just said he didnt understand me so he then put words to me i didnt understand. long words guess some were medical words. I complained to my soliciter upon returning home. PAGE 16 Mr Cornah states in his report that there is no indication for treatment although i asked for a letter from the physiotherapy i was told that my solicitor or mr Conah should request one if they need to. He should accept that i had bruising as he seen on the photos again see enclosed pictures. No it wasnt recovered in 2/3 weeks as he says... why else did i go to my gp with my arm I disagree to such a report, it is only natural that when someone who has been in a car accident weither it be by any transport involment that they get over it in such a short period i am not the only human being that is afraid to travel after such an frightening experience as to the car accident. ............................................................................................................. xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx 11th june 2009 Medical Report Comments Dear xx xxxxxx. RE: YOUR MEDICAL REPORT. I have now received your report in which i am commentating on your remarks. I must admit that i was a little concerned about your comments that you have stated in them here as follows. I tried to explain what happened on the 5th november, but due to me being minutes late as to me waiting in a GP's reception before being told i was in the wrong practise, in which i tried to tell Mr. Cornah, and i apolygised to him. I do realise and understand that he has a "time schedule".He wasnt seeing me with a view to treatment. Mr Conah didnt really seem interested to what i had to say, and i felt i was being rushed and this made his questions to me a little difficult as i felt i was being rushed when asked what had happened i started to explain from the begning leading up to the accident..... but was interupted by Mr Cornah saying "i am only interested in you" to the fact that when i tried to explain i couldnt properly as at one stage Mr Cornah kept interupting, i felt i was being interagated and was on trial for something i hadnt done, to me this was all strange and i left the office feeling it was all a waste of time and that i hadnt put forward exactly what had happened. I had told Me Cornah that my husband was with me but he was pointed in the direction to take a seat and wait for me. Upon being rushed throughout this medical i was then asked to join my son? Mr Cornah refered my husband to me as my son I thought this was rude of him. I feel that Mr Cornah had no time for me, and really didnt want to listen to what i had to say. For his information, as to why i was nervious is that he was a male, and with me having counciling for my PAST rape this is why i was nervious, so he really put me down and as he is more interested in my past history he should have known this afterall he has gone into my past when the real reason was to have this medical report concerning my accident and from the accident till present. My past history is relevant to a medical report because existing or prior problems maybe exacerbated by new injuries.some people with pre-existing conditions will bruise more easily than others. There is a difference between FACT AND OPINION- the bruises are a fact; how long they last is an opinion, because no-one can actually know. On the whole i am concerned about his comments on my past so therefore i am enclosing details as to why i disagree with this somewhat he calls a medical report. Yours sincerely

i have tried with photobucket here arelinks maybe it will work http://images.yuku.com/image/pjpeg/b0e16d4657088e4a6ce6648badbdfe15cb4523e0.pjpg Image: http://images.yuku.com/image/pjpeg/f401624c500a81466bf89f2195421af2f9d54abc.pjpg Image: http://images.yuku.com/image/pjpeg/6e0269744f5c10a683340963c8bd969f6ced9907.pjpg Image: http://images.yuku.com/image/pjpeg/e9c263d4ae5100448da4e96ad812acfb8837e741.pjpg Image: http://images.yuku.com/image/pjpeg/3f41604c52048741647844b347d84971e122536b.pjpg Image: http://images.yuku.com/image/pjpeg/20a36e1140bf5a0f04848b864b66601e3104140d.pjpg Image: http://images.yuku.com/image/pjpeg/2f536025454954250e6f8149492d65cbea1a040e.pjpg Image: http://images.yuku.com/image/pjpeg/1fc16c49530a88456c095d64f4265555b01d85c4.pjpg Image: http://images.yuku.com/image/pjpeg/36626774a056207c89b4af63ad9982d916108a0d.pjpg Image: http://images.yuku.com/image/pjpeg/a7e260b4ea5df0418e848665fe8c160fc131775a.pjpg Image: http://images.yuku.com/image/pjpeg/861162465d09844660f6395511f112a16f7317bf.pjpg

i know i am thinking of phoning my insurance to see if they will pay for a medical for me or do you think i should ask my solitor to arrange another med and for the cost to be added on her bill? i am in photobucket please do you know how i upload from there to add to here in this thread please thankyou so much for everything take care abg

tyvvm for your help. i will try photobucket im not sure how i get them on here from photobucket? but will try ty yes i have insurance who cover legal expensives my solicitor is being paid by them so does this mean that my insurance will cover me for a medical ? tyvvm as i didnt think they would cover me for this when paying my solicitor? tyvm abg

tyvm hillards. VANQUIS/CABOT UPDATE well after all this time i now have just recived letter, statement, and credit agreement from cabot remember i put the letter in here my last one well i have got this now with all the statements vanquis has sent cabot, i have the statements myself which if cabot needed i would have copied them for cabot but what about all the charges vanquis has put and added to this account i dont remember signing the agreement but here they have it and sent at long last after everything it was opened in 2003. cabot is now wanting me to phone them and offer some sort of payment i cannot afford the payment or any offer under hardship as they know any advise please tyvm abg

for my to want another medical i have to pay five hundred and odds pounds i havent got that

DSC00196.JPG Photo-0146.jpg DSC00175.JPG DSC00197.JPG DSC00196.JPG Photo-0146.jpg DSC00173.JPG DSC00039... DSC00213.JPG hope you can see them

i wish you could see the pictures will try again for you

thankyou for all your help i will try and explain a little better my soliciter has asked me to do this as i have to fill in that i agree to his comments or i do not agree and to state why eg para 1. 2. 3. etc my comments will be sent to him. in one of his comments he goes on to say in conclusion it was noted thast she was claiming complete dissability due to wide spread musculo-skeletal symptoms she had displayed bizarre ilness behaviour. I have always had a medical from the dept and was proved so i dont know why he is saying this also i am now awaiting copies from the dept for the recent one. i have a report from my dentist which he required i am at the drs again today for another letter from him regarding the accident this is why i have to get all copies and to do a nasty letter but i think a hasty but politlte letter im not sure but my solicitor will put in a letter as well but because i am disagreeing with his report i have to enclose a letter as well as my comments etc hope i have tried to explain this for you to understand i would copy the report but its 19 pages i couldnt ask him what the words meant as he was hurring me and speaking into a recorder it was an awful experience for me and thought it was a waste of time as i also didnt get everything about he accident over to him he finished of the answer for me in that little dictaphone as i think one calls it thankyou for everything this is all upsetting me and starting to get me down i keep reading and reading his report on the other hand my hubbys medical report is so diffrent and not a problem mine is 19 pages abg

thankyou all for helping me i will find what they sent and scan it for you all they have stopped phoning as ofton saying that they might start again i just hang up on them now will get it for you tyavvvm hugs abg

here are some pictures [/url] DSC00196.JPG [*] Photo-0146.jpg [*] DSC00175.JPG [*] DSC00197.JPG [*] DSC00196.JPG [*] Photo-0146.jpg [*] DSC00173.JPG [*] [*] [*] DSC00039... [*] DSC00213.JPG [*]