Medical reports requested

[mousse-t]

Several of my debtors are requesting medical reports due to my ongoing inability to work. Obviously I am short of funds and have written countless letters and filled in many financial statements to support this however several are now asking for medical reports. My GP will charge for this service and I can not afford to pay for them, can I tell them to get lost?

[caledfwlch]

I don't believe they have any right or authority to know. All you need to show, if you even need to show this, is a copy of a claim letter saying your on benefits. If you want, you could write to them offering a copy, provided they agree to the costs of having the GP produce the letter

 

If they try and take you to court, I should think the Judge will be very unimpressed if you have told them you are on benefits, but they take you to court anyway - plus the Judge would likely order you to repay the debt at £1 a month

[matt5983]

fire the lending code ref health issues and debt at them and they should send you there own medical form to be filled out by medical professions

[Wanting Out]

If you are in receipt of DLA or ESA you can send that as it evidences a long term medical condition. The other thing you could do is ask your GP to write to you local authority to get you registered disabled. You can explain to him/her in a letter how your condition affects your day to day life adversely for speed and ease. There are no financial benefits from the registration so it generally easier to get than DLA etc and the GP should do it for free but - if you have a long term serious condition that affects your day to day life you are 'disabled' - and the card is proof of that. Judges do take it seriously.

[sillygirl1]

They are not entitled to a medical report, report the ones who request that to

 

http://www.tradingstandards.gov.uk for Trading Standards

http://www.consumerdirect.gov.uk for the OFT

 

They also are not entitled to a detailed income and expenditure report.

[Wanting Out]

Yes - don't give them the power they don't have. You don't ask people who owe you money for personal information of that sort - they'd laugh at you! Also can yo trust them with protected data? I've sent medical reports to a big name bank that happens to be where I live - I'm friends with several people there. They lost my medical reports and I hate to think any friends saw it just lying around! They don't respect them and don't deserve them. Don't play their games.

[matt5983]

NO they cant ask for them, but if you really want help get the MALG guidelines medical evidence form and get that filled out and sent off. Its there to help, if you dont how do they know how ill or how much suffereing is going on, it could just be a pack of lies,

Ive done the form myself and know a few who have and in total had about 50k wrote off on medical grounds, so dont listen to those who say dont do it as you will never get rid of any debt etc, your choice !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

[Georgie38]

Hi all

 

I`v probably not posted this in the correct forum, so apologies if I`v got it wrong.

 

Just been reading through this thread and was interested to read peoples opinions on medical reports etc and debt.

 

If you don`t mind I`ll explain the situation I`m in and hopefully somebody on here can assist me with their opinions and views on my defence.

 

A couple of days ago I was issued with an `Interim Charging Order` from HFC/Restons with a hearing for 1st November, In the meantime I am about to post Restons and the County Court a notice of defending my claim, If I could list my reasons for defending myself, if anyone who has a view on the chances of getting this discharged I would appreciate your help, I`m mentally getting into a pickle and would appreciate some outside views, thank you.

 

I am registered disabled.

 

I have 2 dependant children.

 

The house is in joint names.

 

The house has been adapted for my needs (should they decide at a later stage to go for a sale)

Recently left employment to go to University (due to ill health decided to retrain) to improve my chances

of employment in area I can cope with being disabled and improve chances of income for the future and now do NOT have an income, I am in the transition of going onto Student Finance.

 

The financial problems began late 2007 and although was advised through Payplan to pay a reduced rate of £1 per month, I did so, shortly after I increased the payments to £2 to show goodwill and a commitment to my debts, although reduced I have never missed or been late. Restons got involved earlier this year and a CCJ was ordered trying to get me to pay £176 per month, which was completely impossible to do, hence why they have gone for an Interim Charging Order. Thats obviously a brief outline to my problem.

 

If someone could advise as to whether my reasons listed are concrete enough for the judge to discharge or am I on a losing wicket. Sorry to babble on, but help appreciated.

 

Thank you so much.