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Are you sure you're not thinking of UK Mail, who DHL own outright?
- Thread starter brightspark
- Start date
James1979
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I never knew that! Must admit I thought DHL was owned by Deutschepost
gaz1
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ok mods im thankful that this post has been left to run on so people can make an informed choice
on the other hand on previous posts you have stated to keep the post on the respective subject
id like to ask why not on this subject post if its for one post respectfully it should be for all posts
on the other hand on previous posts you have stated to keep the post on the respective subject
id like to ask why not on this subject post if its for one post respectfully it should be for all posts
My Old Landy
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I must admit, until I read this thread, I had no idea this was even a thing. So thanks for starting it. I am not in the same position as most so I don't particularly care who knows my medical condition. I have, however, told my daughters about it so they have the choice. It does seem to be something that is being slipped in rather low key. So thanks for setting up the debate and I hope that we are all left to make our own decision with respect to our own views 
HughF
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A bank will never turn down a mortgage application, provided you have enough deposit to cover clearing the place out when they evict you. It is zero risk for them as they are loaning against something they can sell for a profit in 5 mins..
gaz1
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a bank will turn a mortgage application down due to age or medical info if you are deemed at risk of being unable to pay it back
its already been quoted on this forum that they couldnt get a mortagage due to age
Edit:
also not forgetting is the insurance side of it where premiums and payments could be forced higher due to your health
just other knock on effects of your health info available to everyone
its already been quoted on this forum that they couldnt get a mortagage due to age
Edit:
also not forgetting is the insurance side of it where premiums and payments could be forced higher due to your health
just other knock on effects of your health info available to everyone
gaz1
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Patient data from GP surgeries sold to US companies
Dealings with international pharma raise new fears about American ambitions to access NHS
www.theguardian.com
US drugs giants, including Merck (referred to outside the US and Canada as MSD, Merck Sharp and Dohme), Bristol-Myers Squibb and Eli Lilly, have paid the Department of Health and Social Care, which holds data derived from GPs’ surgeries, for licences costing up to £330,000 each in return for anonymised data to be used for research.
The most recent accounts of the government organisation that issues the licences, Clinical Practice Research Datalink or CPRD, reveal it received more than £10m in revenue last year.
Last week, a leak of secret government papers about private discussions between UK and US officials over a post-Brexit trade deal showed that the “free flow of data” was a “top priority” for the US.
America appears to be pressing for unrestricted access to Britain’s 55 million health records, which are estimated to have a total value of £10bn a year. A minute of one of the meetings says: “On data flows, the critical element highlighted by the US was agreement that no parties will restrict information.” Another US demand is for “data localisation” to be ruled out, meaning the data of NHS patients could be stored on cloud servers abroad.
gaz1
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Here are the GP Practices taken over by US health insurance giant Centene | We Own It
Shocking
weownit.org.uk
US health insurance giant, Centene, through its UK subsidiary, Operose Health, has been taking over GP surgeries and practices in London and across the country for many years.
Centene has recently taken over AT Medics, a primary care provider responsible for 49 GP surgeries and over 370,000 patients in the Greater London area.
@bigegg does this affect you ? as you might be in its area
The patient bringing the review set up a crowdfunding page to meet the costs of the legal challenge against NHS North Central London CCG. Titled ‘Stop our GP practices being sold off to Centene USA’, it has almost reached the extended target of £40,000.
The other grounds include arguing that the CCG ‘didn’t take into account’ the financial situation of Operose Health and its family companies, another stating it did not establish how patient data would be transferred to Operose Health and its ‘potential use’ by Centene, and around the ‘statutory test’ employed by the CCG in deciding whether or not to give permission for the takeovers.
HughF
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If you let me have your address, I'll send you £50 worth of tin foil so you can beef up your hat
julianf
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I don't understand -
If I underwrite life insurance, and can buy information that would give me an idea of the subjects longevity, why on earth would I not do that, and adjust my quote accordingly?
Or have I got the wrong end of the stick, and that's not what you were suggesting?
HughF
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Life insurance, yes..... I can genuinely see that this will make a difference. But given that I have no need for that product, I'll choose to ignore that side of the argument
The claim that a mortgage would be denied on the basis that the applicant might not make it through the term is a fantasy, cooked up by someone who has no idea about how a loan secured against an appreciating (I'm making a big assumption there that we won't end up back in the days of negative equity), physical asset.
The bank literally wouldn't care if you died, they'd just evict whoever is left and flog the house on.
RonMig
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I thought most mortgages were set up with an insurance policy intended to clear the mortgage if the payer died...?Life insurance, yes..... I can genuinely see that this will make a difference. But given that I have no need for that product, I'll choose to ignore that side of the argument
The claim that a mortgage would be denied on the basis that the applicant might not make it through the term is a fantasy, cooked up by someone who has no idea about how a loan secured against an appreciating (I'm making a big assumption there that we won't end up back in the days of negative equity), physical asset.
The bank literally wouldn't care if you died, they'd just evict whoever is left and flog the house on.
With the aim of protecting family left in the house, from debt or eviction.
That's the policy which might get more expensive for new customers, maybe...?
daleyd
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I think that was an endowment mortgage which were popular back in the 80’s but not so much nowadays.
Rudi McAnichal
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….. and what is written in your medical records may not even be true.
Before relocating to a different part of UK three years ago, my wife and I obtained copies of medical records and found that in each case the summary pages contained an entirely false statement “Marital status – divorced”. This came as a surprise, as we were within a few months of celebrating our golden wedding and neither of us has ever been divorced. The incorrect information had been inserted by the GP practice where we had both been registered for the past 34 years, and known to them as Mr & Mrs throughout all that time.
It does not inspire confidence.
HughF
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An endowment policy was/is actually an investment vehicle designed to mature on the date that your interest only mortgage ends. The money from the endowment being used to clear the capital.
daleyd
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Yes, but I seem to recall one of the stipulations with that policy was they you were compelled to have life insurance cover with it - which was not the case with a “normal” repayment mortgage? I’m only going from my parents situation, as I’ve never had one myself - but when my dad passed away their endowment mortgage was paid off.
In fact a quick google suggests that endowment products are indeed sold by life assurance companies…quote below from a guide to endowments.
Endowment policies have life insurance built into the plans, but also act as a way to save money, as your premiums are invested by the company you pay them to, and you receive a payout once your policy matures.
My Old Landy
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I was advised to take out a policy for my repayment mortgage and it covers for any condition not pre existing at the time. Mine had exemptions as I had some existing conditions. Fortunately my current predicament is caused by the medication for the existing condition and so the policy still stands.
