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    • Hello Caggers,   I've been trying for years to get an old EE account wiped off my credit file. It was opened in 2013 and almost immediately defaulted but was shown as "Payment Arrangement" ever since. I contacted EE by telephone in 2022 and was advised it had not been wiped because therte was still £69 owing, so I paid it and thought it would correct once the CRA's updated their reporting cycle.   However, it has still not been removed. I made a formal complaint on 27/03/2024 and have had contact with the executive team who advised that  "EE account 106985089 has now been deleted from the Credit File as it failed to close as it was reporting the payment arrangement set up despite, as advised this failing which should have resulted in a further default showing.  Please be advised the deletions we have completed take 24 hours to update if a paid service is used to view the Credit File. If the customer uses one of the free services to view the Credit File, the recordings update in 24 hours but the changes can take up to 30 days to be visible on a new copy of the Credit File. I have requested compensation and been advised by EE that another team are looking into this. That was almost 2 weeks ago and there has been no contact since, despite me chasing it. I do not want to go to court and would rather settle this amicably. However,I have been advised that I might have a claim for aggravated damages due to the length of time the incorrect reporting has been on my file and the fact that I told EE about this issue and paid the demanded outstanding amount of £69 almost 18 months ago. Should I just wait for EE to reply or should I start building my case against them? Is their statement admissible as evidence of their blame or do I need to dig a bit more? I made a DSAR which was initially rejected as having no data found yet. I trawled my e-mails from 2013 and found the account number and mobile number, so I'm now awaiting the result of my 2nd attempt at DSAR. I have very little in the way of proof of actual loss except a mortgage refusal e-mail from HBOS in 2015. I have also had high interest loans and credit over the last 10 years but again cannot directly attribute this to this one specific error. There were other items on my credit file that could also have contributed to a low credit score too and I'm not out to cash in on anything. I want to make sure I don't end up shooting myself in the foot for any obvious reason and would appreciate any help from anyone who has had similar experience with breaches of DPA.
    • Noted. Keep an eye on the other threads here including the update a few hours back by Rob Carr.
    • dont need statements. nor std info sheets. EVERTHING else  dx
    • they have 6mts else it dies. ................. BUT yet again today you've posted on someone else's thread posts now moved here. please keep to your OWN THREAD!! now to date you've not bothered to reply to our questions so we CAN help you.    
    • Update: tfl is taking me to court I'm trying to get an ooc claim from them but they have not been replying to my emails. 
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Council House Waiting List


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Hello hope I'm in the right section for my question.

 

 

If you put your name on a council house waiting list they sometimes ask if you want to be put on private housing associations lists as well.

 

If you are offered say two council houses or flats and you refuse as unsuitable you may have your application suspended for a year.

I've heard this rule is common amongst many councils.

 

When you go back on after a year are you back at the beginning or is the fact that you were on for perhaps a couple years taken into account when you go back after your years suspension ?

 

If you don't get offered any council properties but you are contacted by a private housing association after being referred by the council and have been offered say a couple of properties over say a two year period and you refuse as unsuitable does this affect your place on the council waiting list ?

 

When you first sign up for council housing do you get a booklet with all the rules regarding accepting and refusing properties ?

 

Thanks.

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Well they are a bit behind the times then I believe by the end of 2010 they should have the bidding system in place. This takes away the old fashioned points sytem, puts each applicant into a colour band, ie., red, amber, green, red being lowest priority. They then advertise every social housing vacancy within their area (HA and Council) You are then required to "register your interest" in any property you like (although some will be restricted to the highest band), with the idea being that you will only bid for a property in an area you will accept, rather than the Council forcing you into an unsuitable property (hence choice based lettings). You;ll know when this is about to start because they have to inform every WL applicant of the banding and provide them with the means to bid for properties.

 

Your council operates a policy which is common, three strikes and out. So, after turning down three properties which THEY deem suitable, they believe your need for housing cannot be quite so urgent, therefore it won't hurt you to wait one year, AND THEN RESUME your place on the WL. They cannot or should not bar you completely, the suspension is usually 12 months only, and during that time no offer will be made to you.

 

It is standard practice for the council to ask you to consider HA properties as well. You will find they are responsible for ALL the social housing, they have nomination rights to the private HA properties as well. This is now how most local authorities work. Its not a bad thing to take a HA property, the only difference being is, provided they bypass the introductory tenancy, which is becoming very common place these days, you would have an ASSURED tenancy as opposed to a SECURE one with the LA's own stock.

 

Now, I've just noticed you are in Scotland, and much as I'd give my eye teeth to visit your part of the country, I'm not very up on their Housing Law, and there can be quite vast diffrences between you and England and Wales. So, whilst what I am saying is basically right, they may have longer to introduce the Choice based lettings scheme, if they are required to do it at all. But this is something your LA can confirm for you.

 

In any case, the general rule is three offers, no take up, suspended for twelve months. And since the Council obviously do work with the local HA's in your area I say that the offers of HA accommodation are going to count towards the three strikes.

 

I hope this helps, but do just check on the law where you are for peace of mind, and good luck, hang on in there and you will get what you want.

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Thanks for that info.

 

Yes I agree Scottish law maybe slightly different to English regarding councils.

 

Can someone request a copy of the form they filled in when applying for council housing to check what the rules and requirements are ?

 

 

My local council says two strikes and you are barred for a year.

This is after being offered two properties within 18 months of registering with the council but not by the council themselves but a housing association.

 

I'm assuming then an offer for a council property and an offer for an HA property is the same then ?

I naively assumed that an offer for an HA property didn't apply to the two strikes and out otherwise the applicant might have stated council property offers only.

 

 

The applicant requested a property with gas CH but was offered two properties with concrete floors and an electrical hot air type unit fixed into the wall in each room.

 

Also one of the properties faced onto a lane where kids go up and down all the time and the property and the one next door according to the next door neighbour has had windows broken by the kids a couple of years before and as the applicant was over 50 and had trouble with kids and vandalism in a previous property felt unable to take this second property offered by the housing association.

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The applicant requested a property with gas CH but was offered two properties with concrete floors and an electrical hot air type unit fixed into the wall in each room.

Is there a medical reason for this? Electric storage makes for very dry air so if a person had breathing problems such as asthma, then this sort of heating might be unsuitable, also for some skin conditions too. I would think that all that is needed is conf from the GP to this effect, point out the original request that was made, and that should remove one strike.

 

Also one of the properties faced onto a lane where kids go up and down all the time and the property and the one next door according to the next door neighbour has had windows broken by the kids a couple of years before and as the applicant was over 50 and had trouble with kids and vandalism in a previous property felt unable to take this second property offered by the housing association.

 

When the applicant had the trouble was it recorded with the local police? If so, get your beat officer to do a letter to confirm what happened and then the applicant has a good reason to refuse the second property. They have to consider people's perception of what will cause them fear, alrm and distress these days. They will also be very cross with the tenant who told the applicant about the damage to the neighbouring property, if they find out who it is!

 

You can also go to Shelter, and get them to write and point this out to the Council in case they have difficulty grasping these facts.

 

So, its two strikes in your Council then? Well, thats seems a bit tight to me, but there you go.

 

And yes, sounds like your LA has the nomination rights for ALL social housing - this is quite normal these days, they cannot stand the thought that anyone can get a property which is outside their remit in the first place! Although actually, its really to ensure that those that need the available social housing get it.

 

Good luck.

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Thanks for that.

 

 

They will also be very cross with the tenant who told the applicant about the damage to the neighbouring property, if they find out who it is!

 

 

That's a pity as people will sometimes ask neighbours what an area is like.

 

 

 

The applicant has and I believe may have stated in their application to the council that they had asthma.

 

The applicant asked a neighbour of the property she was about to view later that day about the area and the neigbour told her about the problems with the house she was being offered and that a couple of years before kids smashed the window in the house she was being offered and a few others including the neighbours.

There is a lane at the side of this house where the front door is and another lane that overlooks the livingroom and the bedroom.

The applicant didn't want to say to the housing officer who showed her the property that she'd found out from the neighbour in the house at the other side of the lane about the window smashing incase the housing officer said anything to the neighbour.

If she'd mentioned it the housing officer would have wanted to know who told her.

 

With her having problems a number of years before with kids and vandalism she felt unconfortable accepting the house and possibly encountering more problems.

 

Can an appeal be made if someone is put off the list for a year ?

 

 

The previous problem with kids and vandalism did have the police involved but the applicant may have trouble remembering the dates of the incidents as this was about 2001.

Not sure how much info the police need to check back into the incidents.

I wonder if the name address and year is enough to bring up the vandalism reports on the police computer.

Edited by EleanorRigby
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Well, definitely one strike gone for the asthma if you do like i said with a confirmation of it. You should have no problem viewing the original application form, just pop down and ask firstly, failing that there is the SAR route. Get your friend to ring up and say she keeps a copy of all her documents, and that this one is missing and she worries about things like that, you never know, they might be happy just to send a copy.

 

The problems she encountered in 2001 are some time ago, but then it depends what happened and how it affected her, did she see the GP, did it affect her mental health etc etc., is there a record of all this, so on and so forth. I expect a record at the cop shop could eventually be traced.

 

But also, try and look at this the other way, this worry about ASB in a new area, so the neighbour said a window was smashed 2 years ago. This happens every where from time to time, and note the neighbour did not say it was a frequent occurence. The kids that did it have grown up a little (or more likely progressed onto armed robbery;)) and there is no way to say what will or won;t happen in ANY area in this respect. Try and see how much of your friend's refusal is to how she perceives ASB, as opposed to what actually goes on in any area.

 

But anyway, I think you'll find we've got rid of one strike, and you can always putin a written appeal to the head of the Housing Dept, local councillor, member of Housing Committee etc.

 

Goodluck, I'm sure it will all work out in the end.

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