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Hello, this is Jim and welcome to JustAnswer. I will be the lawyer working with you today.Sorry to hear of the issue. I will set out my written answer shortly.
I would recommend you try an online GP consultation to ask if they can provide a letter which you need for the insurer. The followings site offers an online consultation though it would be worth checking with them first to see if they can provide the letter for you before you commit : https://www.pushdoctor.co.uk/how-it-works/sick-notesIn terms of your own doctor, my view is that they have acted unreasonably and are responsible for the loss of £4,000. They are covered by an Ombudsman scheme which is quicker than court action and free to use. You do have to first make a complaint to your doctor first of all - if that does not resolve this then you can then appeal to the Parliamentary Health & Social Care Ombudsman here: https://www.ombudsman.org.uk/making-complaint
The Ombudsman's decision is final (if you accept their decision) and binding on the doctor.
Patients can also exert pressure by referring the matter to their local Healthwatch - who are patient’s consumer champions - yours can be found here: https://www.healthwatch.co.uk ) / to the local press / to your local MP.
I hope this helps and answers the question - my goal is to ensure you are happy with the answer and have the information you need. If you have any follow up questions then please let me know. I will reply as soon as I can to help with any further queries.
Please let me know if the answer helped or if you need me to cover anything else?. I am happy to clarify the answer or if you have any follow up questions. If so, I’d be grateful if you would let me know. I am free most days, including weekends, so feel free to ask me anything you are unsure of.
My pleasure, thanks