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Joa

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Everything posted by Joa

  1. I am sorry, this is slightly outside my expertise but they would know: National Debtline England & Wales, for FREE CONFIDENTIAL and INDEPENDENT ADVICE call 0808 808 4000 One of the best free, independent debt advice sources.
  2. This link may be of use to your tenant: http://www.consumeractiongroup.co.uk/forum/residential-commercial-lettings/94427-revised-homelessness-code-guidance.html#post869601 Of course there is no suggestion that you are getting nasty- it's just that it happens quite often. Advice needs to be sought by your tenant with regards to non payment of rent and intentional homelessness, as this is not necessarily a case of direct correlation.
  3. This link may be of help: Advicenow: independent law and rights advice, legal service providers, advice service alliance, UK - Turned down for DLA/AA? Think you're not getting enough?
  4. This link may be of help to you. The information on this website is provided by Legal Services Commission and Advice Services Alliance How to handle an interview under caution 4 & Advicenow: independent law and rights advice, legal service providers, advice service alliance, UK - What is an interview under caution?
  5. that very much depends on the school and it's management. I am a parent governor of a school which combines primary, special needs and high school. I really enjoy it but I must say I never had a chance to seriously intervene in policies of the school as it is being led by a great head and senior management team. You need to find out what training your governors get, as the do's and don'ts of governance are important to get to grips with. These are resources which I use: UK Governors - Powered by vBulletin http://publications.teachernet.gov.uk/eOrderingDownload/Governor%20Guide%20to%20the%20Law%202006.pdf http://www.schoolsnetwork.org.uk/uploads/documents/Microsoft%20Word%20-%20Section%206_125288.pdf (this one is for Academies, like my school) Go for it, it's a very valuable experience, but make sure you are not just a nodding head
  6. http://www.consumeractiongroup.co.uk/forum/legal-issues/129846-log-book-loans-mobile.html#post1366670
  7. Why don't you try The Local Government Ombudsman In order to take your complaint to LGO you need to first attempt to resolve your complaint via council's own complaint procedures. If you are still unhappy, you can then complain to LGO. Unless you find a legally aided solicitor who'd take your case on, I would not pursue it via "no win no fee" brigade. You can get yourself assessed for legal aid and find a nearest legal aid funded solicitor here: Community Legal Advice
  8. wobbles; why don't you visit Welcome to Tax Credit Casualties (TCC) and their forum at Working Family Tax Credits - Powered by ForumCo.com - The Forum Company I would ask whether all the calls to Tax Credits helpline are logged. You should also familiarise yourself with this: http://www.consumeractiongroup.co.uk/forum/benefits-tax-credits-minimum/129207-new-code-practice-tax.html#post1358519 because they may initially insist on higher repayment amounts that you can afford. Check the chapter entitled Paying back your overpayment HM Revenue & Customs: COP 26 - What happens if we have paid you too much tax credit? You also may want to call Community Legal Advice and arrange for an adviser to conduct an income maximization session with you to check whether you are claiming all benefits/credits that you are entitled to. And what about re-applying for DLA? Are the health conditions still exist? Good luck!
  9. Joa

    Student loans?

    Student finance : Directgov - Education and learning
  10. where are you going tony? madmatt; you know that my post was firmly tongue in cheek, don't you? as for governments; I don't know which one is worse! And to be honest, after 20 yrs in UK I am not sure which one is mine, lol
  11. Hi there; I am sure you have already checked out http://www.consumeractiongroup.co.uk/forum/residential-commercial-lettings/74057-disrepairs-privately-rented-accommodation.html#post641938 By not signing the new agreement you are acting against your best interests; as you are now a periodic tenant, the landlord can start eviction procedures at any time, whilst if you have an Assured Shorthold Tenancy, the landlord cannot evict (except in very specific circumstances) during the fixed time of the agreement. So sign the document if you think you want to stay in this property longer. If you don't and are thinking about moving- don't sign. Then, you can leave at any time, following expiry of notice period. Never withhold the rent without specialist advice and only as a very last resort.
  12. If he is still a joint tenant and the landlord (housing association) has not issued a new tenancy in a single nae of your husband's ex, then technically your husband is responsible for the rent payments. Joint tenants are "Jointly and Severally Liable," meaning, each person who signs the lease is responsible for whole of the rent payments. The worst case scenario therefore can be if the Hyde H.A. decides to pursue your husband for the whole amount of arrears if the decide that there is a better chance of getting paid then pursuing other party. It does seem unfair though as your husband couldn't continue to live with his ex. What should have happened is that the tenancy was properly brought to an end and new tenancy created just for the ex. I am not sure what is your husband's position now. I hope that other posters pop in and help. In any case, your husband should contact Shelter: Advice and support for free, confidential advice.
  13. well, we have some uses after all, besides taking your jobs, your women and your benefits
  14. Hi wino; your sister need a wide ranging in-depth advice on multitude of issues; welfare benefits, debt negotiation, relationship breakdown. There is quite a few ways to maximise her income and minimise outgoings : Social Fund, Discretionary Housing Payments, decreasing the debt repayments etc. Please get her to call Community Legal Advice The issue of Child Tax Credits overpayment: HM Revenue & Customs: COP 26 - What happens if we have paid you too much tax credit? especially chapter entitled What if you can’t meet your essential living expenses?
  15. Could this be of help: http://www.consumeractiongroup.co.uk/forum/benefits-tax-credits-minimum/129207-new-code-practice-tax.html#post1358519 Of interest may be chapters entitled: Paying back an overpayment and What if you can’t meet your essential living expenses?
  16. How other organisations/agencies manage to protect themselves from fraudulent direct debits? For example charities advertise their bank details everywhere. By the way, do you really think that the bank which hosts CAG's account doesn't know about it belonging to CAG? Anyway, as I said, me and couple of hundred of others I assume, would find it absolutely perfect to set up SO but have no paypal account and will not queue to buy PO once a month and will not pay PO charge. As BF explained- CAG is not currently in financial dire straits (credit to all who manage CAG finances!), but I suppose you may want to revise your position on the donation methods in future.
  17. I am sorry I would like to help but I am unable to make any sense out of your story and don't know what you are asking for. My first suggestion would be to break down the story using punctuation or bullet points. Next: who or what is hyde? Also; did your husband manage to seek any advice already? And finally; this may be of interest to your husband- but he would need to discuss this with his ex: Law relating to debts: statute-barred debts
  18. As far as I am aware, there is no obligation on landlord to "add" a tenant to a tenancy agreement or create a joint tenancy. But there are other options of becoming a tenant: assignment or succession. I assume your mum is an assured tenant. This is a status worth holding onto. An assured tenancy is the most secure type of tenancy that can be created by a private landlord or registered social landlord (including a housing association) on or after 15 January 1989. Assignment is a term used to describe how a tenant can pass their tenancy on to someone else whilst they are alive. The person who takes over the tenancy is known as the assignee and takes over on exactly the same terms as the tenant. Your mum will need to check the tenancy agreement. If the tenancy agreement says nothing about assignment, it is an implied term of the tenancy that the tenant cannot assign the tenancy without the landlord's consent. The landlord (council) can withhold consent for any reason. If the tenancy agreement mentions assignment, it will take precedence. It could allow assignment, allow it on certain conditions, or forbid it completely. If the agreement says it will only be allowed with the landlord's consent, this consent must not be withheld unreasonably . Succession is the term used to describe how a tenancy can be inherited within the tenant's family after tenant's death. It refers to sole tenants. A person who succeeds to an assured tenancy will be the same type of tenant as the original tenant. A landlord of an assured periodic tenant must accept as a tenant the spouse or civil partner of the tenant. Other members of the tenant's family have no statutory right to succeed to the tenancy. However, some tenancy agreements (which most registered social landlords use) gives the right of succession to other members of the family, provided they have lived in the accommodation for twelve months at the time of the tenant's death. So you would have no statutory right to succeed but you may have contractual right. Again, tenancy agreement will need to be read with magnifying glass or you need to ask your council relevant questions.
  19. babygirl, I am sorry, it sounds like your dad had hellish experiences recently. It also look like he needs quite an in depth advice. I would strongly suggest that your dad calls Community Legal Advice They can offer free, independent and confidential advice regarding HB and eviction. It appears that your dad has a considerable amount of debt. National Debtline, for FREE CONFIDENTIAL and INDEPENDENT ADVICE call 0808 808 4000 This is an excellent source of help when it comes to debt: non-judgmental, high quality advice- he really needs to give the a call. With regards to Housing Benefit- few very basic points: this is why they are asking your dad what happened to the proceeds of the sale: DWP - Resource centre - Information for local authorities - Publications - Guidance and manuals - Housing Benefit Guidance Manual - Part B - BW1 - Assessment of capital This is why they are treating him as "not liable for rent payments" therefore not entitled to HB: DWP - Resource centre - Information for local authorities - Publications - Guidance and manuals - Housing Benefit Guidance Manual - Part A - A3 - Liability to make payments and occupying the home You have to insist that the tenancy is a commercial one. A commercial rental agreement is, whether a tenancy or a licence, imposes legally enforceable conditions on the parties to the agreement. If one party breaks the agreement, the other party has the right to go to court to seek redress. With regards to eviction: who is his landlord? Private or social housing? Did your dad receive an eviction/possession seeking notice? How much is his monthly rent and how many months he is behind? And finally: is he in receipt of any sickness/disability benefits?
  20. You are correct- Rent Officers seem to use lowest possible amounts to decide the local reference rent. This often doesn't cover the actual rent. That's why in my initial post I have advised OP to address this issue. What worries me is that you seem to be working "for a client" and as was wondering in what capacity? Because if you put things to client like this: then it' not only highly incomprehensible but also shows lack of understanding of how eligible rent and online calculators work.
  21. I would be very happy to set up a standing order, I just need CAG's sort code and account number. I am sorry if this was already discussed but the site has now grown so big it's hard to locate stuff.
  22. You need to contact her solicitor. The solicitor is the one who applies for funding on client's behalf. He or she would have originally assessed your ex-partner. You can also contact Legal Services Commission (LSC) which runs the legal aid scheme on their Customer Service number: 0800 085 6643
  23. Were you able to access the property on the day that the agreement was supposed to start? I mean to get through the front door in person, even though you were unable to to drive onto the driveway? If you had exclusive access to the property itself, then I cannot see how the contract could be terminated. I know it would be terribly frustrating to not be able to drive up to the door with your belongings but in the cold eye of the law- you did have access to your home. There may be however a clause, information in your contract which states that driveway is also yours to use- and obstruction of it would warrant a complaint and request for compensation. You would need to show what losses and inconvenience were caused by blocked driveway. Did you have to pay for storage of your stuff because you couldn't bring it indoors? Did you have to pay extra to removal company to carry things from further distance? I am afraid being annoyed would not consititute a valid grund for a compensation complaint. If, on the other hand, you have signed the agrement and on the date on which the agreement was supposed to start, you were prevented from entering the property- we have an entirely different game. Let us know what happened with regards to access to the property and we will try to advise further. In the meantime, my learned friends- would the second scenario fit into "frustration of contract" category?
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