Hi i have to take a group 2 medical for renewal of HGV licence, which i can take with any doctor, I also have to take the same medical to renew my taxi licence, but the form states it has to be taken with reference to your medical records. Now could i ask my doctor for a letter which states there is nothing in my records to say i would be medicaly unfit to pass a group 2 medical. I know i am able to gain access to the records under the DPA but would rather go this route to save hassle with the doctor. If i could go this route, I would want to try to force a policy change at our council re the taxi licence, either letting us go to any doctor and an exemption from taking this medical if you hold a current hgv or psv licence, as it has shown you to be medicaly fit to drive. Thanks ataxidriver

Hi there are various groups advertising HGV PCV medicals on the net the cheapest being "Compared with what some doctors charge you're an absolute bargain... and £5 to charity too! A great idea." Mr Coule, Dorset £49 HGV medicals - £49 Taxi medicals - Centres across the UK - called driversmedicals.com just click the link. They cover most of the UK. My own doctor also quoted £90 seems the norm.

Hi i sent a CCA request on the 29th of april to barclaycard to date i have heard nothing from them via post not even to confirm they recieved it, the only thing i have heard was through experian as an alert that barclaycard had noted a dispute by the customer on the account. When would the 12 + 2 days be up i worked it out to be the 19th may is that correct. ta ataxidriver64

Hi all i sent a cca request to lowell re hbos credit card on the 29th of april, i have recieved 2 letters, the first on the 7th may saying they have requested a copy from hbos, 2nd dated 18th may saying they have requested hbos to retrieve from archives. This 12 + 2 days is it working days only or does it incude weekends also if its working days did the 12 +2 expire yesterday? if so whats the next cause of action?

Hi just an update, I have not heard anything more from this lothopefully gone away i do have a letter ready to send but not gonna waste a stamp unless i have to, thanks for the advice ataxidriver64

Also on this account there was gap/shortfall insurance, being self employed when i took this car loan out and welcome knew i was self employed did they miss sell me the gap insurance, would it have payed out if i made a claim, if it was totaly useless to me, if so would that be the same as miss sold ppi? ataxidriver64

Hi now this account is closed as far as welcome is concerned, would i be able to go for the unlawfull charges which had been put on it? what do you think my chances are? ataxidriver64

Hi the account was partially settled but they said they wouldn.t remove the default, what a bunch of liers lol ataxidriver64

Just checked on experian and the red DEFAULT has now been replaced by a green Satisfactory, I am sure it wasnt like that yesterday but does say partial settlement in the notes. ataxidriver64

I have a default on my CRA report from welcome finance put on in november 2008 but that was when i recieved the second default notice off them for the same account, does a default appear on the CRA after them sending you a default notice, or could it be at anytime, as i recieved a default notice off them in the middle of 2007, but that isnt shown, should that be the date for it and not nov 2008. I know i am stuck with these defaults but as all the others i have are from 2007 i had a 4 year plan to sort things out financialy, also i have satisfied this account with welcome now. ataxidriver64

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Well just to update on this, upgrade phone arrived today from o2.

RBS eh this maybe explains why mackenzie hall are trying to chase me for a very old RBS credit card bill which is statute barred maybe RBS are skint to lol ataxidriver64

This is defo o2 i got a call from this number last week went through sec Qs etc, asked if happy with o2 blah blah, they even gave me a free upgrade phone as i have spent abit on my o2 PAYG just waiting for it to be delivered now its a nokia flip phone, even got a confirmation email off o2, and changed my tarrif for me which gives me more for my money. If you have registered your o2 PAYG you get a lot better deal off them. ataxidriver64

I suppose i could just email abuse at them for a laugh.

Hi i have done the letter using the SB template, and will be posting it today, would it be better to send it signed for so i know they have recieved it, i will also let you all know what response i get off them. thanks ataxidriver64

Didnt see this before my last post, does make sense to send SB letter, better grounds to complain if they continue persuing it ataxidriver64

Hi thanks i wont bother contacting them again, i will just report them, I have some current debt to sort so cant be bothered with SB debt, but i will lodge a complaint with the OFT, i will just wait and see if anything else comes from them as now i have confirmed my address to them. thanks ataxidriver64

As i thought, thanks for the quick reply, do i do it in a SB letter or a letter telling them to FO lol thanks ataxidriver64

Hi all i recieved a letter last week from this ****, i rang them today to see what it was about gave them ref no. and security Qs, turns out to relate to a RBS credit card from 1998ish last action 2001 not been in contact since then according to them. Any way didnt acknoledge debt on phone but just said that it would be statute barred any way, she said that because i didnt give RBS a forwarding address this isnt the case, is this right? do i have to tell them if i move? Also she said if this is the case i should write to them stating the fact it is statute barred. What do you think? ataxidriver64

Hi it was in there some were as i pointed it out to the council, i wouldnt have known about it unless i read it, i did save it but it was a while ago now, every bill we get now is over 52 weeks automaticly, if i find it i will post it up here. ataxidriver

Hi and thanks i was suprised by the offer myself, and relieved its gone, do you really think i could now chase welcome for the unlawfull charges on the account even though it is satisfied, wouldn't mind getting rid of the default also, would make my file look a bit better, also would the welcome account only be on experian or could it be on another CRA. Thanks again ataxidriver

Sorry you are wrong there, i had a read of the council tax regs which council have to abide to the other year and found out you can legaly pay your CT bill in 52 weekly payments, you have to ring and tell them that is what you want to do, in my case they told me i couldnt do it that way, i told them to go read the rules, my bill no comes with it split into 52 weeks approx £20. they dont like to do it as its more hassle, but you are entitled to do it that way, but you may need a good reason for example on low wage or my case self employed. dont take no for an answer they dont know all the rules.

Right update re unwelcome CRA entry, it is now showing account as Satisfied with another entry of Partial Settlement but still have a default so i suppose that doesnt really matter it can go with the other 4 i have, i do intend to sort something out with the other defaulted accounts but would be looking at going for a partial settlement figure to clear them once i know where i stand with them, i now have a 4 year plan which would also see the remaining defaults disappearing off my file. ataxidriver

Unless Asda have changed their policy, they will exchange anything that will scan on there system and refund you even without a reciept, i know this to be true as i know of it being done twice in the same store 1 with a printer which by the way wasnt even bought from there but which they stocked and also a PS2 of which the box and unit seriel numbers didnt match. I would just try taking it back to the store but with out your reciept. ataxidriver