Help with legal issue

[irishguy]

Hello all I have had a problem that I have just tried to forget about but as the years are going by I realise that at least in the next few years I will need a revision.
So as any of you know my story I thought my implant for the first few years was a botch job and I back then hated doctor Ralph. And yes hate is a strong word but it is the truth.. the last time I saw doctor Ralph was when he took the bandages off me and took out the catheter to which I was left looking at a tiny inflated penis.. I went mad I asked him will this get bigger and he said with zero emotion “no” from there for the first time in my life I shouted at someone and boy did I abuse him. He just walked out, that was it for interactions between me and him. I stayed in London for the week and went back in for a checkup and the nurse checked out everything I couldn’t say much as I was teary and quiet honestly ready to end it all!!
Only for the older guys on this site that calmed me down and told me to wait months and heal.
So basically what happened in the mean time was that my insurance here said they would cover 100% but then afew weeks after the operation I got a letter sayin that I owed 3000 pounds as the insurance didn’t cover the total cost. In my head at that time I felt doctor Ralph ruined my life so I thought no way am I paying 3000 pound for a botched job. So I didn’t reply so they sent another letter treatening legal action but at that time I was moving to another county so I avoided contact with them. Now the problem is I do owe them that money because they did do a good job I was just too afraid to ring them because of some possible further costs or legal action so my question to you guys is what should I do? What could be the repercussions of this. Thanks

[LeRoastBeef]

If you want to go back to Ralph, then you're going to have to pay, explain exactly what happened in words from the heart (just as you have done here, but in more depth), and apologise BIG time. Then pray he gives you a chance.

I would write to Ralph and be blunt and to the point. Tell him what you were feeling, why you said what you did. I have no doubt that you were thinking of suicide, that you felt he had destroyed your life. It's understandable that you behaved the way you did. It's a hellish thing to go through at such a young age. I'm not passing judgement on your response, it's just a shame that it happened. I'm not sure why he just said, 'no' in response to your question, he must surely have known things would improve.....

But you were clearly wrong in the end. You have to own up to it and take responsibility. Make clear that he did do a good job, what it has meant to you. You clearly are genuinely sorry. I've had people apologise to me in the past for things they did wrong, when it's clear they mean it, I haven't found it hard to forgive. I've made mistakes too.

You have no choice but to come clean, pay up, and make sure he understands that you regret what happened.

[irishguy]

Logical and emotional answer thank you leroastbeef

[smphead]

Maybe you send him an appologize letter with the rest of the money and a good bottle of Irish wiskey.

You Will need him in the future. Better to do IT now than when you need a revision.
If you go for a revision later he reminds you from the 'kind Irish whiskey-guy".

So you have a 20 cm Titan. What is that in erect length?
I'm thinking about going to Ralph my self. Hence the virus

[PeaceofPain07]

From your post here, I understand you originally thought he did a bad job. But then you said he did a good job. What changed to make you think he did a good job? Anyways, as you now feel he did a good job, I would say people are willing to be forgiving. You just have to be the one to reach out to make that heartfelt apology. It may also help to negotiate with insurance and/or doctor's office on the $3000.

[LeRoastBeef]

I wouldn't argue over the price, if you can afford it. Especially after all this time of not paying.

I think you have this very much against you. I could understand if Ralph didn't want anything to do with you regardless of what you do now. They have a very hard job, he did it well (he probably knew it at the time), didn't get paid, and to be abused is something you always remember, he will have flashbulb memories of it. Take his perspective.
Insurance companies are parasites, I'm not disputing that. Doesn't matter here, the money is nothing compared to forgiveness from him.

I'm only being so direct because I think I need to be. I think to argue over money would be a very bad course of action under the circumstances.

Also, send the man some whisky! Or guinness. I love guinness. A crate of guinness and some whisky, and a from the heart apology.

[Gt1956]

Is this really a legal issue or a moral one. I would suggest that it is a combination of them both. I would suspect that legally you're on the hook to pay. Sooner or later. I don't know the legal system in your country. What we call "old debt" or " bad debt" can hang around for a long time. Of course if you never have any income or assets there isn't much that can be done to you.
On the other hand, morally, it sounds like you have decided your original complant that led to the non paying staus has been resolved. So there is a point to argue that you morally owe to pay it.
Now, do you have the means to pay it? I don't know the current exchange for the pound to dollar. But I suspect that 3,000 pounds is around $5,000 usd. For most of us that stings a bit but can be handled with some planning.
A guy that does a finance radio show here advises this. Gather all the money that you can.Try to get around half of the debt total not counting any fees or other charges. Right now, whoever "owns" that debt has nothing & is not getting any payments.
Find out if Ralph or the hospital still owns the debt or if they've sold it to another group that specialize in collecting bad debt. They likely paid Ralph pennys on the dollar hoping to collect dimes on the dollar.
Contact them & offer them half the amount as payment in full with no further recourse possible. Most of the time they will accept it. Since it is a negotiated settlement. You have fulfilled your legal & moral obligation. Just make sure that you have papers saying that you paid it in full & save those papers forever.

[Agfa13]

I agree with GT on the 3000 pounds, no way around that, negotiate down, or gather the 2500 pounds and say you will pay that upfront with no repercussions (make sure to get a receipt and that they will no longer go after you...basically saying debt is paid in full)

But I am confused on your story. "in the mean time", "but a few weeks after the operation"...What I am reading is that the insurance said they will pay 100% on the revision, but with this 1st surgery, you are stuck with the 3000 pounds. Your *next* surgery you are covered 100%, no bill will come to you (BUT next surgery will have to be in the same year).
Not sure I understand. Did the insurance say the surgery will be covered *before* you had the surgery? If they did, find out who said it, when, and what time.
Then again, I just thought of this, this may be your out of pocket, just like we have here in the US.
I paid my $6000 for my 1st surgery, $0 for my 2nd surgery, $6000 for my 3rd surgery.

But in reference to my 1st paragraph, look in your insurance situation. Why did they not pay 100% of the 1st surgery? If they are paying 100% for the 1st surgery, and this bill is in error (hospitals bill patients too so they get more $$$ to pay for other stuff for the hospitals). Let the insurance company know you were billed 3000 pounds.

Something is not right. Seriously, look into your situation and find out what the insurance company says, and what the hospital says. Do not acknowledge that you will pay the money. Good Luck!

IMHO, LOOK FOR ANOTHER DOCTOR, FORGET THE APOLOGY (I can't get back my beautiful 7.75" uncut cock either ).

[irishguy]

Thanks guys I will take yer advice when I’ve the money saved!!

[LeRoastBeef]

There are also some very fine Surgeons over in the UK other than Ralph.
Maybe once you clear your debt, however that goes, cutting your loses would be an option.
You were (still are) a young man going through hell, there has to be some leeway when we make an arse of ourselves! You live and learn.