final point on that one. did you request back dated LHA to the date of your original application. you dont want them to start it from your new claim? unless you do of course. and i hope you got a receipt of your submission claim form. it is amazing how many of these can go astray. a receipt covers you if your application goes missing and you need to make a further application and backdate request. same for providing hb with supporting documents. lol

Good advice provided . however not covered yet. financial change in circumstance. you may be able to get help to meet the rent charge via housing benefit or local housing allowance. you can even get housing benefit if you are on a wage. housing benefit is income based, not employment status based. beware though lsome lanldords dont like housing benefit because of the way its paid ie in arrears and can take quite a while to set up. if thinking of apply for housing benefit, complete a pre tenancy determination form before you take up the tenancy. this is assessed by a fair rent officer (not the housing benefit team) the fair rent officer usually take a working week to make their decision. thier decison is used by housing benefit to determine if you are entitled to full rebate of the rent the maximum amount they will pay for you no matter what the landlord is charging. ie landlord wants £700pcm fair rent officer decision £650. if your income is low and you are entitled to the maximum housing benefit you only get £650 so you would have to fund the shortfall of £50 from your own income. Big Big But. under 25's face a single room restriction meaning HB will only currently cover a maximum of approx £66pw of any rent if the claimant is entitled to maximum benefit. couple of ways around this, rent as a couple or group of friends. finally some LA offer help toward the start up costs ie deposits/rent in advance. go onto your LA website and/or talk with someone in their housing advice team to find out if you would qualify lol

hi. what type of tenancy does your tenant have? if an assured shorthold tenancy possession is pretty much straight forward. only a little bit complicated if now periodic. why secion 8 and not section 21 notice? under section 21 notice possession is pretty much guaranteed, only problem may be when you get the property back as it may involve you returning to court to apply for a bailff warrant. judges normally allow the tenant 28 days, if they have not left by the 28th day, thats when you go back for the bailiff which dependant on the time of year is about another 2-4 weeks on top. once the bailiff turns up the tenant has to leave as it is part of the duty of the bailiff to ensure you get vacant possession of your property before they leave your property. you have to sign their docket to confirm that they have done this. possession hearings are usually held in chambers these days (your case is not heard in front of stranges). you have nothing to fear, you will just be sitting around a table or in an empty court with the tenant and their rep. if all the information is not clear on the day or additional information is required by the judge the case will be adjourned to the first open date after a set time, even this you can negoiate with the judge. it will be up to the tenant and their rep to show good cause as to why any extra time on what the judge is allowing should be given. another option the judge can take is to suspend the possession order on terms, and it may be this that your tenant is going for. if this happens the minute the terms of the court order have been breached go straight back to court. section 8. does your tenant hold an assured tenancy? getting tenants out on an assured tenancy is far easier than a secure tenancy, but not as easy as an assured shorthold. it is best to get any outstanding work done by the hearing as the tenant will have had to make sure that they have put the rent money aside to pay you in full above all please please make sure your paperwork is correct before you go to court, that you can provide a full rent account from the start of the tenancy or last couple of years so the judge can see a full picture copies of and outcomes of any investigative work carried out/ reccommended/any builder report disputing the tenants claim (disputing Env H is harder), your copy of the notice issued etc. a judge will quickly spot any error in the possession procedure ie the notice and could throw out your case meaning you will have to start again to notice stage. have i forgotten anything? i did rent arrears and nuisance possession between 95 and 2005 for LA's and HA's as a housing manager. i am now working on the other side of the fence for a LA, doing homelessness prevention - now that is funny, but it means i am familiar with these procedures from both sides hope most of this is clear, if not just ask me to clarify in more detail. lol

Thanks to the moderator that suggested i start a new thread on my PPI case. unfortunately, computer illit and the simplist thing can take me a couple of hours to work out how to accomplish so some of the information below is a repeat of my very first post as easiest and quickest... sold PPI with a loan in 2000. i didnt want or ask for the PPI but felt had to agree to take out the PPI to ensure i got the loan. the loan was paid off in 2004, with no defaults, but there were some months i struggled like hell to ensure the payments were kept up (well i did ask for the loan in the first place - but no the PPI!). fixed payment every month of £293 over a 60 month period. following advice within the forum i sent off letter 1, reply came back pretty quickly basically advising me to go away 'time barred' and FOS wont go for it. fine, no problem. second letter sent, querying the fact that although the agreement was in 2000, loan not paid off until 2004, surely this means i am still covered under the 6 year rule. reply speedy beyond belief. ' we cannot make you a further offer, you really have no hope missess, we told you already go away and find enclosed a leaflet which backs up what we are saying refer to page 8'. ok lets look at page 8. no leaflet! plus they never made me an offer in their first letter anyway! most annoying of all is they are not even denying the miss selling! OK seen on the forum about time limitation. thank god for the link contained in one of them. read relevant section, however another forum posting advised that the TLA act has been under reveiw for past 4 years and due to change??!! basically is there anyone out there that has a sim experience to mine? how did they go about resolving it? is it worth my pursuing (i really want to) - i remember leaving that interview for the loan feeling bullied and feeling angry at myself for being week and allowing it, but feeling powerless about doing anything about it the PPI being sold to me by my own account manager! i begruded throughout the repayments the PPI included, and was so relieved once the payments were up endeavouring never to approach them for a loan again - please god! today will be faxing off letter 3 with some of the execellent stuff from other postings (although these are within 6 year time frame - gotta try anyway). including CCA, FSA principles, & LA. anything else missed i can include later, as i am sure i will have a massive fight on my hands. i am preparing to have the matter heard at court. it's funny but the emergence of this whole PPI buisness has brought back some of the feelings of uselessness and anger i felt at the time. christ i must be an elephant or something any advice and success stories sim to my case, most welcomed excuse the length, but it is quite cathartic.

Hi Maybeline your posting dated 6/10/07 sounds really important, but what does it mean in layman terms. i am in the process of using the limitations act for PPI and Lloyds TSB for a loan that was taken out in January 2000 and closed in 2004. Lloyds TSB are using the 'time barred' arguement to refuse to my reclaim. i am therefore very interested in your posting and the implications it may have on my own case. Regards

Hi Shirl, i;m also a Shirl and nearly freaked when i found your name on the forum as my surname also starts with a C and i often refer to myself exactly the way you do. ( and with the same icon) i thought for a while that in a parra life i had found this site and been brave enough to post on the forum back in March!! your thread really threw me especially as i am going through the exact same now and have only today posted my first item. i do wonder how things turned out, with the limitation thing etc. any chance of an update, and or any advice you can give? oh yeah, how did i work out in the end that your posting was not one i had posted earlier? you are with NW, im with LTSB and never held an account witih NW. Spooky! Just in case ShirleyC is no longer about, does anyone else know how things worked out for her? thanx

Hi, im yet another newie to the forum. first off i was successful with my bank charges reclaiming, it took little effort just 2 letter and Lloyds TSB refunded most of what i was asking for. i thought this behaviour by the banks was bad enough, but hearing about the PPI's as well............what can i say. i thought it was off at the time but hard sell and advise from the seller that i needed to take the PPI to ensure i got the loan approved, i folded. more recent, sent of 2 letters to reclaim. first letter came back. 'sorry but you are out of luck, you reclaim is time barred as the PPI and loan was over 6 years ago' (January 2000) however the loan and product were over a 5 year period. final payment made November 2004 which is within the last 6 years. so i wrote a second letter advising that included in the first was misinformation about the 6 year rule. second letter came back' buzz off you have no hope, take it to the FOS' my question is there anyone else out there going through this process at the moment and if sim. circ. how did you manage to resolve it. i intend to pursue this matter if i can, but need advise on where to take my complaint next if the FOS wont deal with it becasue of the time bar rule. the really annoying thing is that Lloyds TSB are not even denying the mis selling of my PPI, but are relying on the 6 year rule to block my right to reclaim. there must be something i can do.