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    • 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.  
    • Sleep apnoea: used to require the condition  to be “completely” controlled Sometime before June 2013 DVLA changed it to "adequately" controlled. I have to disagree with MitM regarding the effect of informing DVLA and S.88 A diagnosis of sleep apnoea doesn't mean a licence wont be granted, and, indeed, here it was. If the father sought medical advice (did he?) : this is precisely where S.88 applies https://assets.publishing.service.gov.uk/media/64edcf3a13ae1500116e2f5d/inf1886-can-i-drive-while-my-application-is-with-dvla.pdf p.4 for “new medical condition” It is shakier ground if the opinion of a healthcare professional wasn’t sought. in that case it is on the driver to state they believed they met the medical standard to drive. However, the fact the licence was then later granted can be used to be persuasive that the driver’s belief they met the standard was correct. What was the other condition? And, just to confirm, at no point did DVLA say the licence was revoked / application refused? I’d be asking DVLA Drivers’ Medical Group why they believe S.88 doesn’t apply. S.88 only applies for the UK, incidentally. If your licence has expired and you meet the conditions for S.88 you can drive in the U.K., but not outside the U.K. 
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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They want to take me court - I don't think I've done anything wrong......


jools63
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Apologies if you've read this before but my post ended up in the wrong place (my fault) and I wasn't getting any replies...

Here goes, In 2005 I took out a loan with my current bankers RBOS. My payments were £303.00 per month and I never missed a payment.

In September 2005 the RBOS decided to call in my £1500 overdraft without telling me. Not a phone call or letter, nothing I only found out by accident and this left me in a bit of a predicament.

Now like a lot of people, rightly or wrongly I did use all of the facility most of the time. My salary went in leaving me with no funds to make all of my outgoings.

I opened another account with Barclays and had my salary paid into there the following month and over the next three months I got straight with all of my creditors. I was never more than 2 months behind with anything and most of my creditors were fine with this.

As I had moved away from RBOS I still had a debt to pay them and came to an arrangement to pay £303.00 per month. This was exactly the same as my original monthly loan payment amount.

Things have been fine except that they ring me every 6 months to ask if I can pay anymore off and I always say no £300 is my limit. The calls are quite threatening and last time they said if I don’t come up with a lump sum then next time they will probably take my house off me.

On the 6th October (the next 6 monthly call) I received a call saying that my payment was late, I tried to explain that it had been sent and that it would be with them the next day or day after at the latest (which it was) it was due on the 6th but sometimes they can be up to 3 days late – that I do hold my hands up to.

The person just kept raising their voice saying it was not good enough. I ended up putting the phone down as I was so upset.

The next thing I receive is a letter from the RBOS solicitors saying I have to pay the amount in full approx £18k or they will take me to court.

I had numerous conversations with them saying I was sure I hadn’t missed a payment but to no avail. A County Court Claim arrived on the 8th November. I have already registered an Acknowledgement of Service as I want 28 days to prepare a defence.

I am present trying to find and obtain copies of all of my bank statements for at least the last 18 months as it was in March 2006 that they finally got round to issuing me a letter agreeing to the repayments of 300.00 per month.

I am 99% sure I have not missed a payment, the only possible shadow of doubt could be over this July’s as my Dad died in May, my Nan died in June, and I moved house in July – a period of extreme stress as you can imagine. I am waiting on a copy bank statement at the moment.

However if I count all the payments I have made from March to the current date I think it will show as 20 payments for 20 months. Their discrepancy seems to be the date the payment they say is due and the day I make the payment, sometimes this can cross over into another month.

I do not feel however that a CCJ should be issued for repayment of the full amount over what appears to be a technicality. I don’t have it anyway.

I gather that I should file a defence online which will then go back to them for them to decide whether to continue with the hearing or back down and go back to the payment arrangement that we agreed.

How should I file my defence do you think, just as I have here or do you have any other advice?

Many thanks in advance I am really worried by this.

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Hi Jools63,

 

First thing you should do is send the attached letter to the claimant this will then furnish you with all the info you need to mount a defence.

 

 

 

kind regards,

shane

CPR Info Request.txt

____________________________________________

All advice is offered freely & without prejudice

 

 

If my post has been useful to you please click the scales

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Just to add, send the letter via special delivery if you can, it needs proof of delivery in case the deny receipt which will make them look very foolish in front of a judge if you can prove they are trying to frustrate matters

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Hi Jools63,

 

Thanks Shane - I have faxed it over today and also sent it Special Delivery. The partners are in discussions with RBOS today as to whether they are going to take this forward all the way to court.

Hopefully the thought of having provide all of that information within 10 days may put them off.

Even if it deosn't it will help clarify my position so thank you very much indeed, I'll keep you posted.

 

Thanks again

 

Julia

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