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    • Hi I have to agree with @unclebulgaria67 post#3 For the funding side of moving to a new area and it being private supported accommodation I would also suggest speaking to private supported accommodation provider about funding but also contact the Local Council for that area and have a chat with them about funding because if you are in receipt of Housing Benefit certain Supported Accommodation that meets a certain criteria is treated as ‘exempt accommodation’ for Housing Benefit purposes but you need to confirm this with that relevant Council in your new area especially since it is Private Supported Accommodation as each Council can have slightly different rules on this. If you have a certain medical condition look up the charities and also have a wee chat with them as they may be able to point you to different Grants to assist with moving costs and your question about funding for private supported accommodation as well.
    • Hi Just to be clear a Notice to Quit is only the very start of the Housing Association going down the Eviction route there is a long process to go. Also to be clear if you leave at the Notice to Quit date only and go to the Council claiming you are Homeless they will more than likely class you as Intentionally Homeless therefore you have no right to be given temporary housing by the Council. The only way that works is when the Court has Granted a Possession Order then you can approach the Council as Homeless with the Court Order. As for the Housing Association issuing the Notice to Quit because there investigation has proved it's not your main residence but you have witness statement to prove otherwise. From now on with the Housing Association you need to keep a very good paper trail and ensure to get free proof of posting from the post office with anything you send to them. You now need to make a Formal Complaint to the Housing Association and please amend the following to suit your needs:   Dear Sir/Madam FORMAL COMPLAINT Reference: Notice to Quit Letter Dated XX/XX/2024, Hand Delivered on XX/XX/2024 I note in your letter that you stated that the Housing Association has carried out an investigation into myself and came to the conclusion that I am not using this property as my main residence and have evidence of this and have therefore issued a 'Notice to Quit' by XX/XX/2024. I find the above actions absolutely disgraceful action by the Housing Association. 1. Why have I never been informed nor asked about this matter by my Housing Officer. 2. Why have I never been given the opportunity to defend myself before the Housing Association out of the blue Hand Delivered a Notice to Quit Letter. 3. I have evidence and witnesses/statements that prove this is my Main Residence and more than willing provide this to both the Housing Association and the Court. I now require the following: 1. Copy of your Complaints Policy (not the leaflet) 2. Copy of your Customer Care Charter (not the leaflet) 3. Copies of your Investigation into this not being my main residence.    As well as the above you need to send the Housing Association urgently a Subject Access Request (SAR) requesting 'ALL DATA' that simple phrase covers whatever format they hold that in whether it be letters, email, recorded calls etc. The Housing Association then has 30 calendar days to respond but that time limit only starts once they acknowledge your SAR Request. If they fail to respond within that time limit its then off with a complaint to the Information Commissioners Office (ICO).     
    • Hi Sorry for the delay in getting back to you The email excuse and I do say excuse to add to your account and if court decide LL can't recoup costs will be removed is a joke. So I would Ask them: Ask them to provide you with the exact terms within your Tenancy Agreement that allows them to add these Court Fees to your Account before it has been decided in Court by a Judge. Until the above is answered you require these Court Fees to be removed from your Account (Note: I will all be down to your Tenancy Agreement so have a good look through it to see what if any fees they can add to your account in these circumstances)
    • Thank you for your responses. As requested, some more detail. Please forgive, I'm writing this on my phone which always makes for less than perfect grammar. My Dad tries but English not his 1st language, i'm born and bred in England, a qualified accountant and i often help him with his admin. On this occasion I helped my dad put in his renewal driving licence application around 6 weeks before expiry and with it the disclosure of his sleep apnoea. Once the licence expired I told him to get in touch with his GP, because the DVLA were offering only radio silence at that time (excuses of backlogs When I called to chase up). The GP charged £30 for an opinion letter on his ability to drive based on his medical history- at the time I didn't take a copy of the letter, but I am hoping this will be key evidence that we can rely on as to why s88 applies because in the GP opinion they saw no reason he couldn't drive i need to see the letter again as im going only on memory- we forwarded the letter in a chase up / complaint to the DVLA.  In December, everything went quiet RE the sleep apnoea (i presume his GP had given assurance) but the DVLA noticed there had been a 2nd medical issue in the past, when my father suffered a one off mini stroke 3 years prior. That condition had long been resolved via an operation (on his brain of all places, it was a scary time, but he came through unscathed) and he's never had an issue since. We were able to respond to that query very promptly (within the 14 days) and the next communication was the licence being granted 2 months later. DVLA have been very slow in responding every step of the way.  I realise by not disclosing the mini stroke at the time, and again on renewal (had I known I'd have encouraged it) he was potentially committing an offence, however that is not relevant to the current charge being levied, which is that he was unable to rely on s88 because of a current medical issue (not one that had been resolved). I could be wrong, I'm not a legal expert! The letter is a summons I believe because its a speeding offence (59 in a temp roadworks 50 limit on the A1, ironically whist driving up to visit me). We pleaded guilty to the speeding but not guilty to the s87.  DVLA always confirmed to me on the phone that the licence had not been revoked and that he "May" be able to continue to drive. They also confirmed in writing, but the letter explains the DVLA offer no opinion on the matter and that its up to the driver to seek legal advice. I'll take the advice to contact DVLA medical group. I'm going to contact the GP to make sure they received the SAR request for data, and make it clear we need to see a copy of the opinion letter. In terms of whether to continue to fight this, or to continue with the defence, do we have any idea of the potential consequences of either option? Thanks all
    • stopping payments until a DN arrives does not equal automatic sale to a DCA...if you resume payments after the DN.  
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Help Removing a Cifas!


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I have recently applied for car finance through a dealership and they said id been approved through welcome car finance, i agreed and provided the appropriate doc's to the dealership and they sent the doc's to welcome

 

a few days later having realised the extortionate amount of intrest i was planning on canncelling the agreement, that same day an underwriter called to verify everything and later on that day the salesman from the dealer asked me to come in and sighn a dvla mandate (as my paper license was so worn out the scan didnt come out clear)

 

the next day i called the dealership to say that i didnt want the car so to call welcome and cancell the application a few days later i received my documents, and too my suprise when checking my credit file last night welcome Cifased me?!?!?! i provided utility bill, wage slip, bank statement, and drivers licence

 

Now i dont have a Clue on how to go about attempting to remove it but as far as im concerned all info provided was 100% accurate, please could someone point me in the direction of possibly a template and how to go about removing the Cifas

 

Thanks in advance

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  • 4 months later...

OK .. I can completely understand how you feel. Not only that, but those damn (un)welcome jokers also registered one of those against me last year.

 

I've recently settled just such a case with HSBC, who have registered a Cat 4 CIFAS against me following an account opening application.

 

The way to approach this:

 

1. Write to them stating that the info you provided was true and accurate, and you see no reason for the CIFAS warning to be registered. State that this is an "OFFICIAL COMPAILINT" and that you demand it to be investigated as such, giving them 28 days to respond.

2. Make sure to send the above by recorded, special delivery.

3. Make sure you are a) factual, b) professional and c) sticking to the point.

4. Once they respond, their first response will be to stick to their guns, and stating this is a "Final Response Letter". This is actually a good thing (see 6 below).

5. Write back to them, addressing any further issues in their letter, and stating that you decided to write to them to save both them and you costs. State clearely that you are then going to CIFAS, the Banking Ombudsman and the Courts if you are not satisfied. Give them 14 days to respond.

6. If you are still getting a negative, forward the letter you got in (4) above to CIFAS, and ask them to mediate. This will usually resolve it outright: the last thing they want is a mediation that takes time to resolve, that surely will

7. If (6) still does not work, do not go to the Ombudsman. There are two reasons for this: a) it can, and usually will, take up to 56 days to complete an investigation and b) their decisions are not binding, though respected. Take it straight to the courts, bring a claim in the county county court against them for violation of principles 4 and 6 of the DPA. Claim compensation and distress damages + interest under section 13 of the DPA.

 

I won't say "I hope this will help" because I know it will help, and you will win if you have been upfront. Judges are particularly nasty to violations of the DPA, and Welcome will never let it get that far. Then there is offcourse the element of them paying a lawyer to appear in court, which is a £2,000 from the word go for each appearance.

 

Good luck. Be firm, be factual, and let us know how you get on.

 

BTW, if the information here proves useful, appreciate it if you can leave me some score feedback.

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  • 1 month later...

Hi there I was reading this post and though you could maybe give me some advice? Sygma Bank UK has placed a CIFAS waring in present address and 2 previous addresses, I dont even know the company.

Anyway I got the address and have written to them twice, and they havnt responded to either letter. What action can I take? Can I go direct to CIFAS to get them to investigate?

MBNA - £308.40 charges refunded :roll:

Halifax - £190.00 charges refunded

RBS - £2100.00 bank charges refunded :p

RBS - Pursuing PPI claim and removal of 3 defaults

Barclaycard - £290.00 charges refunded

T-Mobile - default removed :grin:

Littlewoods - no CCA - removed account

Forth Housing - CCJ to remove :mad:

Lloyds TSB - Pursuing refund of £800 charges

JD Williams - no CCA - pursuing

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  • 2 months later...
  • 5 months later...
  • 5 months later...

I have one from HBOS about a mortgage application it was done through a broker who has gone bust, I dont know why it was declined he blamed the credit crunch, I didnt even see a copy of the application...

 

I sent HBOS an SAR, but still havent got a response? Should I just complain to them?

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  • 7 months later...
I have one from HBOS about a mortgage application it was done through a broker who has gone bust, I dont know why it was declined he blamed the credit crunch, I didnt even see a copy of the application...

 

I sent HBOS an SAR, but still havent got a response? Should I just complain to them?

 

Same thing happened to me, can anyone help me here is my story.

 

Hi there,

 

I have noticed that I have had a CIFAS - facility granted placed on my credit file last December for a mortgage application that I got approved for. I am currently looking into having this removed as I feel it has been placed on my file incorrectly due to a mistake by my mortgage adviser who along with the company he had, are no longer in the industry.

 

What I am really worried about though is the fact that the CIFAS warning is placed against my parents address and not my new address. You see I moved out of my parents address last year when I received this mortgage and the CIFAS has remained against that address even though I don't live there. I don't want my parents finding out that this CIFAS has been placed against that address. Should the mortgage company not transfer this cifas from my parents

address to my new one? I feel that it is unfair that the cifas will effect my mum and dad but not me even though it is effectively against my name.

 

Can anyone help me this is really ruining my life right now. :Cry:forumbox_top_left.gifforumbox_top_tile.gifforumbox_top_right.gifforumbox_left_tile.gifCredit Report Click link to open in new window.

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  • 1 year later...

hi same happend to my son he had fraud comitted against his bank account they registerd a marker against him on cifas he only 18 starting out cant get credit they said if i paid the amount question they would remove i paid and they never removed this is hbos what action can i take against them i have letter in writing to say they would remove now they gone back on their word please advise this has ruined his chances of any credit can i take them straight to court

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The standard of evidence necessary for a CIFAS loading is enormous - similar to that which would be necessary if the CPS were to prosecute.

 

If Welcome were provided with information by you or by someone else which is of the standard necessary to achieve this level of proof you should take up with Welcome and with the dealership.

 

In the circumstances, hit both up with SARs.

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