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Miss Hope

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About Miss Hope

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  1. Firstly, PLEASE DO NOT to post this on twitter (for good reason) L/lord (v. wealthy) sues Tenant (v. poor so LiP) for non-payment of rent and Tenant sues back (so there are two cases in court with two different case numbers) L/lord gets a money judgment against T but T applies to set aside (granted) T then makes a s.214 claim (for non-protection of deposit monies) where there can no dispute as to fact and evidence, asking the court to apply the law thus reducing the debt which T would then settle immediately. Guess what? The judge refused to apply the law. What he did instead was to consolidate both claims into one so that it looks like the case belongs to the L/lord. Is this legal? Have T got any recourse? How might this affect the T? Secondly, T didn't go to the court hearing (Tuesday) cos T got ill on Bank Holiday Monday. Doctor will provide note. T phoned and emailed court to let them know but when T spoke to court staff, they said hearing would go ahead anyway if T failed to provide medical evidence THERE AND THEN, yes THERE AND THEN. Surely this can't be right either? What can T do? It ended up the judge ordering T to pay £2000 in legal costs in 10 days' time which T obviously can't afford to do. Any thoughts please?
  2. Well Silverfox After all the hassle (bearing in mind it was only the tiniest of debts and they settled for £30 only on the basis that they remove the default and I have it in writing), I did take it to the Ombudsman. The O was useless. The O failed completely to understand what it was I was complaining about given that Talk Talk had by now marked the default as satisfied. I argued that TalkTalk had promised to remove the default in its entirety not just mark it as satisfied, but the O still failed to grasp my complaint. We went too and fro several times about it when ultimately, I had to put the issue down for the time being. I have currently given up (due to house move and other pressing issues) and if I have a little time on my hands I will complain about the O too. For now though, I've put a Notice of Correction on my file by way of explanation. Talk Talk are full of Talk Talk.
  3. Just thought you all might like to know that despite TalkTalk coming in on the conversation and saying they've responded to me - well they did respond BUT THEY'VE NOT RESOLVED ANYTHING WHATSOEVER. THE LATE PAYMENTS ON MY CREDIT FILE WILL REMAIN FOR THE NEXT FIVE YEARS !!! DON'T PAY THEM. DON'T BELIEVE ANYTHING THEY SAY - EVER
  4. Honeybee - you've lumped both my queries together !! They're not related !!! Can you put it back please
  5. Where has this thread been moved to please as I can't find it
  6. An order was made for a debt I owe to a landlord but I applied to have it set aside while my counterclaim was considered. When my counterclaim is considered, it will reduce the debt by 50% making my debt £4k. I have been running around to see if I can raise this money before the next hearing because I don't want a CCJ. Meanwhile I just got a letter in wanting £5k in solicitors costs and counsel fees on top of the £3k for their previous legal fees. This has thrown me off my chair in shock - there's no way I can pay. I'm struggling already as a single parent on a low income. I've got no car or assets either. If they take it out my income we'll starve. Is there something I can do like apply to the court to have the landlord pay his own fees? Otherwise I may as well just give up
  7. Can someone please clarify exactly what Form I am supposed to complete for a section 214 claim against a landlord for non-protection of deposit monies. Is it N1 or N281? I obviously need to do it the cheapest way possible. I am also representing myself. Thank you.
  8. I have a feeling that although the MINT debt is over 6 years old, you may have inadvertently resurrected it by starting to make payments, even though you haven't made a payment for 18 months. If I am right then a new 6 year period will commence once a new default is registered - maybe a Clever Cagger will shed light on this point.
  9. Maybe, just maybe, another position will become available at another office with disabled access as you say. It sounds like you are doing all the right things in keeping your eyes out for something else. I wish you all the luck.
  10. Hello shortwoman So what would you like to happen with the job now ? My concern is that if you are on trial period, they may not want you to stay on as it is clearly not working out.
  11. Hello You say in your post that during your interview "I did comment that I had mobility problems and that the stairs would be a problem for me". My first thought is that perhaps you didn't relay the severity and extent of the problem clearly enough. Merely "commenting" on your mobility problem does not convey the true extent of the problem and, quite possibly as a result, the firm didn't appreciate how serious your mobility problem is. Did you not discuss what adjustments might be made before you started the job? If not, I have to ask, why not? It seems that you have accepted a job that you knew you could not perform. However, in the few weeks that you've been there, they do seem to have already made reasonable adjustments by (a) allowing you work in reception and (b) having you assessed by their OT to see what further help they might give you. I really don't see what else they can do to accommodate you. What would you like them to do ?
  12. Hello You are right. Your 2007 debts are statute barred (they become statute barred when 6 years has elapsed). You're probably wrong about "opening a can of worms" if you now get on the electoral roll or get a bank account. If your debtors wanted to pursue you, I believe they would have done so by now and there are ways to find you even without a forwarding address. Even if old debts did surface, you could simply remind them that the debts are statute barred. Mortgage: You may say that you can afford a mortgage, but you have nothing personally to show that you can. You say that you are earning more than your wife but I can't help wondering where your earnings are paid in and, as you know, you will need to prove your income be it self-employed or salaried. Bank Account: I would suggest that you open at least a "basic bank account" and many banks have basic bank accounts but you will have to ask as they are not readily publicised. This will help boost your credit score too but it takes time. Another way of boosting your credit score is to take out, say, a catalogue, buy something from it and pay it off regularly every month. This will show stability. Electoral Roll: You may struggle to get a mortgage if you're not on it. The next updates from Local Authorities to Credit Reference Agencies are in January, so you'll make it in time if you phone them next week. Otherwise you may have to wait another six months before your credit file is updated. ID: Having a bank account does not prove your identity. A utility bill/ drivers licence / passport does. Hope it goes well PLEASE NOTE I AM NOT AN EXPERT, BUT I NEARLY AM
  13. Just remember that CAHMS do have a right to withhold certain information but you are right to question it. If it's just emails that you want, why not ask the recipient of the emails for their copy - don't give them too much information - just tentatively phone them up and ask them to send you a copy - if they ask why, you could say that you just want a copy for your records! They may just hand it over, nicely. Take care.
  14. I understand that you are your son's "biological" parents but do you have parental responsibility? If, as you say "the NHS gave us all their DATA" then why are you pursuing it with CAHMS? Write to them and ask them why they are withholding information and remind them they have to have a good reason for doing so. This is my suggestion. A very firmly written letter. You could call it a "Letter before Action" which might carry a little more weight. Good luck.
  15. Assuming that by "full parental capacity" you mean "full parental responsibility" - CAHMS are entitled to withhold certain information, usually information from third parties and information which may be detrimental to the child. For more information about this, go to ico.org.uk or NHSEngland if you haven't already done so. Making sure you do it in writing, (i) you could press CAHMS further for all the information they have about your child which you believe they have unreasonably withheld (give examples) (ii) remind them that they owe a duty of care to both the child and to you, as parents, so you can better take care of your child and (iii) threaten them with court action if they fail to do so. I don't quite understand your third paragraph. PLEASE NOTE THAT I AM NOT AN EXPERT IN THIS FIELD OF LAW
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