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    • Shein has been linked to unethical business practices, including forced labour allegations.View the full article
    • 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
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      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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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Beowolf v A & L


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Hi all well im new, but i have done my SAR and have got my statements and now have worked out those [edit] have got £1558 pounds of my money, im getting married in 12 weeks and need this money so i can give my wife to be the honeymoon of her dreams or at least pay it off afterwards.

 

Whats the address i have to send the letter to im assuming its this one

 

Sarah Rendon

A&L PLC

2nd Ops TCU3

Bridle Road

Bootle

Liverpool

L30 4GB

 

I really want to stick to the A&L becuase they are so unhelpful they banged me for charges on one day, how nice can they be.

 

Im a little nervous about all this so any support is always welcome

Beowolf

 

The few, the proud, the chimps :-)

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Hi all well im new, but i have done my SAR and have got my statements and now have worked out those [edit] have got £1558 pounds of my money, im getting married in 12 weeks and need this money so i can give my wife to be the honeymoon of her dreams or at least pay it off afterwards.

 

Whats the address i have to send the letter to im assuming its this one

 

Sarah Rendon

A&L PLC

2nd Ops TCU3

Bridle Road

Bootle

Liverpool

L30 4GB

 

I really want to stick to the A&L becuase they are so unhelpful they banged me for charges on one day, how nice can they be.

 

Im a little nervous about all this so any support is always welcome

 

Yes this is the correct address

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  • 1 month later...

Well i fired off my letter before action, and got a standard reply saying we are looking into this and take all customers complaints seriously

 

I havent heard anything now for 14 days, im ok to go ahead and start my court paperwork?

 

Slightly nervous but want to get the money back so i can take my new wife to be on a great honeymoon.

 

Does anyone have the full address for the A+L that i send the court paperwork to?

 

many thanks

 

Beowolf

Beowolf

 

The few, the proud, the chimps :-)

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Hi there Im in the same position with Barclays.

 

Initial letter sent to ask for statements and not even a reply.

 

What legal letter have you sent ?? Is it in the templates??

 

Woyld you mind emailing it to me please... Im tempted to call Barclays and ask why theyt havent responded..

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Hi there Im in the same position with Barclays.

 

Initial letter sent to ask for statements and not even a reply.

 

What legal letter have you sent ?? Is it in the templates??

 

Woyld you mind emailing it to me please... Im tempted to call Barclays and ask why theyt havent responded..

Hi, Hixxy82. Welcome to the CAG.

 

You'll find everything you need in the templates library.

 

I'd suggest you spend a good while reading round the threads on the banks' forum, and especially the Barclays one as that's your bank - you'll see how the specifics of a 'Barclays' claim pan out - important only in that the banks can vary in their responses. It makes things easier for you if you're aware of what to expect and therefore confident in what you're doing!

 

If you start yourself a NEW THREAD on the Barclays forum, the guys there will be able to offer you support throughout your claim. But by all means, feel free to continue posting in our forum (or any other for that matter) as and when you choose. :cool:

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I have used the information in the templates however im not to sure about my interest calcualtion, number were never my thing

however according to the simple spreadsheet my first claim date is the 28 jun 04 some 1052 days ago, im really not sure if my calculations are ok and dont want to go into court with my figures all wrong. Also as my finacial acumen has never been great i could do with a hand

If any one could help i would be forever grateful

Charges £1558.00

Overdraft Interest £154.58

Interest under s.69 County Courts Act 1984 £357.34

Court Fee £120.00

 

TOTAL £ 2189.92

 

Plus interest pursuant to S.69 County Courts Act 1984 from date of issue to date of judgement/settlement at £0.34 per day at such rate and for such periods as the court deems just.

Beowolf

 

The few, the proud, the chimps :-)

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Without seeing how you have worked the spreadsheets its hard to tell, but normally the "overdraft" interest is at least as much as s69 in my experience (unless your o/d rate is very low!)

 

One thing I would recommend is to rename "overdraft interest" to "interest applied on charges"

If you think my advice has been helpful, please click on the scales to the left :) thank you!

 

Non illegitimi carborundum

 

 

I wish I was a glow worm,

A glow worm's never glum!

 

How can you be grumpy,

when the sun shines out yer bum?! :p

 

 

Amex * 2 *** WON *** Settled

Marbles ****WON*** In full settlement

Capital 1 ***WON*** In full settlement

MBNA ***WON**** In full settlement

Barclaycard ***WON*** In full settlement

Barclays Bank - ***WON*** In full settlement

Abbey ***WON*** In full settlement

Abbey (Mrs Chorlton) ***WON*** In full settlement

Abbey (Mr and Mrs C) - MCOL submitted 16/5/07

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Many thanks Chorlton, i can email you the spreadsheet if you could have a look at it for me, will remove all my acc details etc but just could do with a hand

 

Many many thanks

 

B

Beowolf

 

The few, the proud, the chimps :-)

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  • 4 months later...

Hi All

 

I posted a while back and everything was going well. Unfortunatly I got a bit sidetracked (got married/moved jobs) and the last correspondence I had from A&L was that they were offering me £657 quid which was less then half of my claim. Unfortunatly this letter came in just as I was going on my honeymoon.

The offer on the letter had a date on it to reply by and to be honest I was kind of wrapped up in married bliss (yes there is such a thing) and forgot about it.

 

What do I do know, do I issue my MCOL, im just starting to panic a bit and could do with some advice please

 

Yours in worrying

 

Ethan:(

Beowolf

 

The few, the proud, the chimps :-)

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I would accept their offer Only as part payment of your full claim. If they send you a cheque, then proceed to claim the rest through MCOL. I have had a successful claim with A&L and the consensus seems to be that they will pay out the full claim but will try to get you to accept less initially.

 

If they will only pay you their offer on condition of the claim being 'settled' I would say thanks but no thanks and get the whole amount by claiming through the courts.

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All cases through MCOL are automatically stayed as are most of the court cases - plus to file the new recommended POC you should file by N1 at your local court.

 

You need to read the "sticky" threads as you come onto the A&L forum about the waiver/stays and the new POC - then decide whether you want to go court route and get stayed, or go FOS and sit in the pile of complaints there - but whichever way you go you will be further down the road than others and near the top of the queue - if the case ever happens.

 

Keep reading threads on here as well before you decide what to do.

 

Also in the step by step instructions there are example reject / acceptance letter links - if the offer has not expired - but be careful of wording - dont accept as full and final offer.

 

Jan

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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  • 3 weeks later...

Hi Guys

 

Some of you may know that I have been posting on here for a while and drawing support from the great advice you have given me.

 

I sent of my Particular to the court with my £85 and have recived a letter yesterday saying that A&L had until 24/11 to respond, I got a letter in today saying that Wragge and Co will be defending the case.

 

After all the letter writing and court paperwork im stumped as to what to do know. Im assuming they will try and get a stay on the case as this seems to have happened to lots of people?

 

If this is the case what do I do know?

 

Yours not so much panicing but slightly worried

 

Ethan

Beowolf

 

The few, the proud, the chimps :-)

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Hi Beowolf,

 

I've merged your threads to make it easier for you and others to track your progress. :)

 

It is quite normal for them to defend and yes the next stage is likely to be that they will request a stay or the court will order one.

 

Have a look in the new forum for stays and famialiarise yourself with the likely events.

 

All the best

 

Zoot :)

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Thanks Zoot, I must admint was getting all a bit confuddled there with all those threads. Am I right in assuming that if I get a stay I go into the melting pot with the rest and have to wait for the outcome of the OFT case whenever that maybe?

 

It just seems like this OFT case is going to be a major delay in getting what belongs to me back in this case my money and sanity.

 

Thanks

 

Ethan

Beowolf

 

The few, the proud, the chimps :-)

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Yes unfrotunately it is likely to be stayed.

 

MCOL will automatically stay all cases. You can write to have your claim transferred to your local court and they will comply with this. However, its likely that your local court will also stay the claim. You can make an application to lift the stay, although this is quite time consuming and incurs a fee. The chances of lifting the stay are quite small.

 

 

Zoot

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Hi All

 

Well according to Dartford Country Court my cas will be going before a Judge, as Wragge & Co have filed a defence, so im assuming this is where the Judge will throw a stay on the case?

 

If the judge doesnt throw a stay on it what are the options then, for him to award in my favour or ask for both parties to state there particulars?

Beowolf

 

The few, the proud, the chimps :-)

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It is more than likely that if the court does not put a stay on the case then A&L will do.

 

I suggest you read a few threads in the section under general for cases with stays so you can get a taste of what is going on.

 

What would be your personal appeal against the stay?

 

Jan

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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I had a recent caim against MBNA / A&L and MCOL put an automatic stay on it.

 

A week after the stay was put on MBNA sent a cheque for about 2/3 of the claim. I said, 'Thanks! Now pay me the rest or I will see you in court.' (by polite recorded delivery letter, of course). They replied within a week with the rest of the claim!

 

So in my case MBNA decided to pay out the full amount of the claim anyway so the case did not go to court, (this after they claimed they would defend the claim, a standard tactic of most companes), and the stay became irrelevant.

 

During this process I also got the number of the customer advocate office, (those who deal with refunds etc) and persistently phoned them to ask for their response to my claim - this may have helped to bump my claim to the front of their 'to do' list. I would suggest you do the same, to make it clear you are prepared to go the whole way to court and can't be bought off by silly offers.

 

It's your money - stick to your guns and you will get it refunded!

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