Hi Glitterlady, I currently have an ongoing Medical Negligence case and have used the following no win no fee solicitors. i have found them very good especially when other firms wouldn't take on my case, I'm now at the stage of agreeing a settlement with the NHS trust. i have attached a link if you want to have a look at them, No Win No Fee, Watermans are Scotland's Leading Personal Injury Firm Best of luck

Hi all, could someone point me in the right direction for the statue barred letter for Scotland. I have started receiving calls from capquest even though I have wrote to them telling them all communication must be in writing and not to call, I have refused to answer any security questions and told them to stop calling me. The debt in question hasn't been acknowledged or paid since feb 2005 therefore is statue barred and would like to tell them to put it in their pipe and smoke it. Thanks in advance

Hi unclebulgaria67, I will try obtain the V5 doc however as there is some contention within the family I may not be able to get them before the insurance grace period runs out. If I can't get a hold of them can I obtain insurance until I'm in possession of the V5 docs?

Hi, Any help with this question would be appreciated, My father passed away last week and I'm a named driver on his car insurance. I have been driving the car for the last 6 months due to his illness and have been advised I have a 14 day grace period where the insurance still stands with Saga, however after this the policy lapses. He has left the car to me in his will however it will not be executed before the 14 day grace period runs out. Can i possibly insure the car for a short period if I'm not the registered owner or keeper? Thanks in advance

Hi all, I was wondering if anyone knows the answer to this question, My father passed away last week and was the registered owner and keeper of his car. I was on his insurance policy as an additional driver. As he has passed away is the insurance still valid and am I still ok to drive the car? Thanks in advance.

Thanks everyone for you feedback, does anyone have any experience with LED TV's?

Does anyone have an opinion on LED TV'S?

All, Looking for some knowledgeable recommendation on which TV format is best LCD, Plasma or LED? I don't have a high definition box yet however will be getting one in a couple of months times, have Blue ray player and will be connecting my PS3. I'm looking ideally for 37 to 40 inch set. Thanks in advance for any help

EON are doing exactly the same, my understanding is they changed the T&C which affected customers that had already signed up as in my case. I totally disagree with this practice in principal as like many other i pay up front for my energy and haven't asked for any credit facility with EON. Next I fully expect my paperboys records to start appearing on my CRA files! http://www.consumeractiongroup.co.uk/forum/utilities-gas-electricity-water/193553-eon-clearer-terms-condtions.html

Hi, Look at my earlier thread on EON, I now believe they all do the same. I'm a bit annoyed by it especially if you are paying them in advance and they are holding your money and I haven't asked them for credit so why should they be recording info on my credit file. http://www.consumeractiongroup.co.uk/forum/utilities-gas-electricity-water/193553-eon-clearer-terms-condtions.html

Hi, I was wondering if someone could answer this question for me please. If you have a default balance on your credit file which is correctly there say registered on Jan 2005 and no payments have been made since. If you were to make a full payment today would the default history come off your file in Jan 2011 or would it be there for 6 years after you had cleared the balance? Thanks in advance

Hi Insuranceguy, I have been ill for the last 3.5 years and went through 4 life threatening operations, I have one more corrective procedure to go early next year. My employer has group income protection policy which has been paying me 60% of my salary up until now. They have now informed my employer that I have been deemed fit to hold down a part time, flexi hour office job. This was never my position with my employer my contract position included 70% of time on world wide travel. Needless to say my employer doesn't have a position available which would suit plus I can't guarantee my hours of work due to my illness. I have requested a copy of my consultants latest report to them however haven't seen this to date. I definitely don't feel I am able to return to work at this present time in any shape or form and plan to fight this all the way. Hope that gives you a better understanding any advise would be greatly apperciated.

bump:?

Does anyone know how to do it or if it's possible?

Bump

Hi I was wondering if it is possible to obtain all information that an insurance company holds on you, which would include all correspondence between insurers, medical consultants and employer? If it is could you please advise on how to do this and if there are any template letters. Thanks in advance

Thanks Scousegeezer for your feedback, my employer hasn't being paying me over the last 3.5 years it been income protection policy. The insurance company are pushing me back to work even though I'm not fit to undertake my contracted position, there is a terms in the policy that as long as I'm fit for any job. Typical insurance company, so basically that's why I feel I will end up having my contract torn up.

All, I believe after a long illness (3.5 years) and being declared fit by my consultant to return to work on a part time basis doing light office duties I feel I may have my contract of employment terminated on medical grounds. My contractual job is full time with world wide travel which are a impossibility for me now. Due to restructuring and cut backs I don't believe there are or will be any alternative positions available for me. Hence why I believe my contract of employment will be terminated on medical grounds. My questions are, what are rights if this does happen Am I entitled to a payout of any kind as I have over 10 years service with my employer Thank you in advance

Hi all, If any one has any views or advice on this it would be greatly appreciated. Brief history, My employer has Group Income Protection policy which it pays the premiums on. I have pretty ill over the last three years due to a medical blunder and have went through several life threatening operations. I'm still currently not right and require a further major operation early next year. The Group Income Policy has been paying me roughly 60% of my salary for the last 2 years and periodically conducted reviews of me in person and requested reports from my consultants. Early last week I was informed by my employer that the insurance company has deemed me fit to return to work as per my consultants latest report. However I'm not fit to do my original contracted position however could do a part time office job. I was pretty shocked by this and have requested copies of the medical report which states this as of yet I have still to see this. I plan to discuss this with my consultant once I have it. My problems are as I don't pay the premiums I do not have a copy of the policy to read the terms etc and have been informed that I won't be getting a copy by employer and the insurance company. I'm definitely not fit to return to work doing my original contracted job and likelihood never will be. I feel the insurance company are aggressively pushing my employer for me to return in part time basis carrying out office duties. Under the current economic climate and restructuring I believe my employer will be back into corner and probably have to let me go due to there being no positions available. I'm 100% confident that at this moment in time I'm not fit to return to work in any shape or form and would be committing career suicide trying to. It's not in my best interest financially to stay off work when I could return as I'm struggling money wise. Other than pushing back and trying to resolve any disagreements I have with the medical report if this is the case, is there anything else I can do in the mean time:confused:?

Folk's Can someone point me in the direction of the statue barred letter for Scotland. Thanks in advance

Hi Saffy, I would CCA the DCA now and also send the letter regarding all communication to be made in writing. DO NOT SIGN THE LETTERS PRINT YOUR NAME.If possible do NOT speak to these people on the phone you will only end up distressed, if they do manage to contact by phone, be polite and refuse to answer the security questions. I would send the letters recorded delivery and then they have 12+2 days to produce a valid CCA or the account goes into dispute. Good luck stay calm there are plenty of good people who will help you along they way on this site.

I would def contact your previously and request a copy a their grievance and appeal procedures and move forward with them as quickly as possible. However I truly unsure how things may progress as you withheld vital information which could have potential affected your initial offer. I do believe there is major holes in how you were dealt with and you may get a positive outcome however don't feel you'll get your position back due to the nature of withholding criminal info. Do push ahead as quickly as possible many employers have a 2 weeks window from termination to lodging an appeal. Good luck

Signed with pleasure hopefully most people on the site will sign!

Folk's Most Utility companies record everything with CRA especially EON, threrefore if both names are on the accounts there will be a link.

I do believe that if you both are living at the same address on the voters role then there will be an association or link added to both your CRA files. This happened to me and my ex girlfriend even though we didn't have any joint debts. I'm unsure if this has an impact on your credit worthiness though.