New Post Advanced Search

Dentist Finance

edited 30 November -1 at 1:00AM in Loans
10 replies 23.9K views
jodiefoxjodiefox Forumite
5 posts
edited 30 November -1 at 1:00AM in Loans
Hi All

So I've just been to the dentist after suffering with my teeth for years. He has provided me information on Six Month Smiles and has quoted circa £1800, which I don't have. He has provided me with information on Dental Finance however, I have been refused loans and credit in the past and I am nervous that if I go for this option I will be refused credit. Can anyone let me know if they've used them in the past and what sort of checks they do to obtain credit - is is credit referencing?

Many thanks
:)

Replies

  • edited 9 July 2012 at 10:00PM
    ToothsmithToothsmith Forumite
    9.6K posts
    Part of the Furniture 1,000 Posts Name Dropper
    ✭✭✭✭
    edited 9 July 2012 at 10:00PM
    The checks are pretty much the same as for any loan. They're backed by the same financial companies that produce other finance deals.

    Six month smiles is just something to straighten teeth aup a bit.

    Is the crookedness what you are referring to when you say 'suffering' for years?

    If the 'suffering' means pain and discomfort - then I would make sorting that out a priority over cosmetic improvement.
    How to find a dentist.
    1. Get recommendations from friends/family/neighbours/etc.
    2. Once you have a short-list, VISIT the practices - dont just phone. Go on the pretext of getting a Practice Leaflet.
    3. Assess the helpfulness of the staff and the level of the facilities.
    4. Only book initial appointment when you find a place you are happy with.
  • edited 10 July 2012 at 9:45PM
    nameless121nameless121 Forumite
    58 posts
    edited 10 July 2012 at 9:45PM
    Don’t bother find a NHS dentist which will sort out any pain and if its major work needed they will refer you to a NHS dental hospital which don’t charge a penny.
    I had an infection in my jaw. Had teeth out implants and a bridge done. The dentist who did the work at Leeds dental hospital told me that if I went private I would have had to pay about £4000

    Find a NHS dentest here

    How much it will cost
  • edited 10 July 2012 at 9:54PM
    brook2jackbrook2jack Forumite
    4.6K posts
    ✭✭✭✭
    edited 10 July 2012 at 9:54PM
    Six montgs smiles is a brace system and the nhs will not fund braces even in a hospital for over 18s unless there is a severe problem which needs surgery as well.

    Also all dental hospitals will not now provide implants except for cases of cancer, naturally missing at least 6 to 8 teeth and trauma.
  • i'd be surprised to find any hospital providing dental implants for free these days. it would have been a rare occurance even a few years ago!

    dental finance is usually through medenta which are hitaachi bank. They are the same finance company that sony etc use so the credit checks are quite difficult to pass.

    did the dentist not offer you a plan to pay monthly as the treatment will need to be done over quite a long time so you could break the costs down and pay that each month. that way you won't need finance
  • ToothsmithToothsmith Forumite
    9.6K posts
    Part of the Furniture 1,000 Posts Name Dropper
    ✭✭✭✭
    Don’t bother find a NHS dentist which will sort out any pain and if its major work needed they will refer you to a NHS dental hospital which don’t charge a penny.
    I had an infection in my jaw. Had teeth out implants and a bridge done. The dentist who did the work at Leeds dental hospital told me that if I went private I would have had to pay about £4000

    Find a NHS dentest here

    How much it will cost


    I can't imagine any time in the last 20 yrs when this would have been done - unless the 'jaw infection' was something very destructive like osteomylitis or tuberculosis, or secondary to a tumour. (And implants haven't really been around for much longer than 20 yrs.)

    It certainly wouldn't have been done just to repair the effects of neglect.

    The equivilent private fee quoted seems quite a bit on the low side too for such extensive work.

    Plus - with there only being about 10 dental hospitals in the whole UK - there often isn't a 'local' dental hospital for a great many of the population.

    Something about this post doesn't quite ring true, and I'm a bit suspicious of it.
    How to find a dentist.
    1. Get recommendations from friends/family/neighbours/etc.
    2. Once you have a short-list, VISIT the practices - dont just phone. Go on the pretext of getting a Practice Leaflet.
    3. Assess the helpfulness of the staff and the level of the facilities.
    4. Only book initial appointment when you find a place you are happy with.
  • edited 11 July 2012 at 9:09PM
    nameless121nameless121 Forumite
    58 posts
    edited 11 July 2012 at 9:09PM
    What is there that don’t sound true? I had an infection in my jaw above my front teeth. The infection was dissolving the bone which was seeping out of a hole in my gum. My dentist referred me to the Leeds dental hospital. (Which is quite far from where I live) They had to extract 3 teeth to clear the infection. Cut my gums away to stitch back after. And then put in implants. this was last year. i have to go back when 12 months have passed to see how its all settled.
    as for the £4000. it was not a quote just what the dentist thought.

    The point I was making is try to see a NHS dentist. I know there not into cosmetics but they will sort out any pain and don’t draw up a big bill.
  • ToothsmithToothsmith Forumite
    9.6K posts
    Part of the Furniture 1,000 Posts Name Dropper
    ✭✭✭✭
    What is there that don’t sound true? I had an infection in my jaw above my front teeth. The infection was dissolving the bone which was seeping out of a hole in my gum. My dentist referred me to the Leeds dental hospital. (Which is quite far from where I live) They had to extract 3 teeth to clear the infection. Cut my gums away to stitch back after. And then put in implants. this was last year. i have to go back when 12 months have passed to see how its all settled.
    as for the £4000. it was not a quote just what the dentist thought.

    The point I was making is try to see a NHS dentist. I know there not into cosmetics but they will sort out any pain and don’t draw up a big bill.


    That is sounding more like some sort of infected cyst.

    I would say that what you had was a rare thing.

    My point is that hospital treatment involving implants is not available to anyone who has just lost a tooth or two due to 'usual' processes like decay and ordinary infections.

    So you can't just roll up at the doors of a dental hospital and get anything treated for free - it has to be something pretty severe.
    How to find a dentist.
    1. Get recommendations from friends/family/neighbours/etc.
    2. Once you have a short-list, VISIT the practices - dont just phone. Go on the pretext of getting a Practice Leaflet.
    3. Assess the helpfulness of the staff and the level of the facilities.
    4. Only book initial appointment when you find a place you are happy with.
  • brook2jackbrook2jack Forumite
    4.6K posts
    ✭✭✭✭
    Also many pcts /Lhbs will not fund treatment " out of area", the only dental hospital local patients can use in our area is a 9 hour round trip away and will not take referrals for routine treatment even if you were willing to travel 9 hours for each appointment.

    As pointed out implants are very restricted so yours is a very very very rare case. Braces which the op wants are definitely not available at dental hospitals for adults.
  • amyloofooamyloofoo Forumite
    1.8K posts
    Debt-free and Proud!
    jodiefox wrote: »
    Hi All

    So I've just been to the dentist after suffering with my teeth for years. He has provided me information on Six Month Smiles and has quoted circa £1800, which I don't have. He has provided me with information on Dental Finance however, I have been refused loans and credit in the past and I am nervous that if I go for this option I will be refused credit. Can anyone let me know if they've used them in the past and what sort of checks they do to obtain credit - is is credit referencing?

    Many thanks
    :)

    I had six month smiles and they were absolutely briliant although did end up costing around £3750 (I had bottom and top arches done). I didn't use formal dental finance, but set up a private arrangement with my dentist to pay some off each time I went in - is this an option with your dentist?
  • Visiting a NHS dentist won't do any harm.
    not knowing of what "suffering with my teeth for years" fully means.

    I was was just saying about my experience of visiting a NHS dentist.
This discussion has been closed.

Quick links

Essential Money | Who & Where are you? | Work & Benefits | Household and travel | Shopping & Freebies | About MSE | The MoneySavers Arms | Covid-19 & Coronavirus Support