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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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Mum and TSB


pigsic
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What i can not understand why it took so long to get this to us was it so they could add charges we dont know how to take the name off that letter do you think it matters

lisa

 

Lisa,

 

I've just pm'd you.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Someone with access to the Lloyds systems could ID from the information there.

 

Perhaps you should delete and try again later???

 

 

Lisa, if you click 'edit' on the bottom of the posts with info on, you could delete them and ask your son to re-do them later.

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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Lisa, if you click 'edit' on the bottom of the posts with info on, you could delete them and ask your son to re-do them later.

 

Yes, I was assuming you'd (the OP) know how to do that.

 

Sorry. :oops:

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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DO NOT IGNORE THIS LETTER

05/05/2008

 

 

Dear Sirs,

 

Account no: **********

 

Re: my request under the Consumer Credit Act 1974

 

 

 

This account is in Dispute.

 

In [ date] I wrote to [whoever] requesting that they supply me with a true copy of the executed credit agreement for this account.

In response to this request I was supplied a mere application form which did not comply with the requirements of the Consumer Credit Act 1974.

 

The document sent purporting to be a credit agreement does not contain any of the prescribed terms as required by section 60(1) Consumer Credit Act 1974. The Consumer Credit (Agreements) Regulations 1983 (SI 1983/1553) made under the authority of the “1974 Act” sets out what the prescribed terms are, I refer you to Schedule 6 Column 2 of SI 1983/1553 for the definition of what is required. Suffice to say none of the terms are present in the document

 

Since this document does not contain the required prescribed terms it is rendered unenforceable by s127 (3) consumer Credit Act 1974, which states

 

127(3) The court shall not make an enforcement order under section 65(1) if section 61(1)(a)(signing of agreements) was not complied with unless a document (whether or not in the prescribed form and complying with regulations under section 60(1)) itself containing all the prescribed terms of the agreement was signed by the debtor or hirer (whether or not in the prescribed manner).

 

This situation is backed by case law from the Lords of Appeal in Ordinary (House of Lords) the highest court in the land. Your attention is drawn to the authority of the House of Lords in Wilson-v- FCT [2003] All ER (D) 187 (Jul) which confirms that where a document does not contain the required terms under the Consumer Credit Act 1974 the agreement cannot be enforced.

 

Should you continue to pursue me for this debt you will be in breach of the OFT guidelines, I draw your attention to the Office of Fair Trading’s guidance on debt collection.

 

The OFT guidance which was issued July 2003 (updated December 2006) relating to debt collections and what the OFT considers unfair, I have enclosed an excerpt from page 5 of the guidance which states

 

 

2.6 Examples of unfair practices are as follows:

 

h. Ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment

 

 

What I Require

 

I require you to produce a compliant copy of my credit agreement to confirm I am liable to you or any organisation, which you represent for this alleged debt, if you cannot do so I require written clarification that this is the case. Should you ignore this request I will report you to the Office of Fair Trading to consider your suitability to hold a credit licence in addition to a complaint to Trading Standards, as you will be in breach of the Administration of Justice Act 1970 section 40

 

 

I respectfully request a response to this letter in 7 days

 

 

Yours Sincerely

 

-----

Adapted from : http://www.consumeractiongroup.co.uk/forum/legal-issues/72876-mercers-barclaycard-2.html#post1353057

 

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Hi all

Can you believe tsb have started phoning mum again tonight sunday I might send them account in dispute letter

lisa

 

Lisa, if they have not provided the credit agreement and won't accept your mom's repayment offer i would report them to Trading Standards. I can assure you that will stop them in their tracks.

 

Here's link for Consumer Direct who will point you in the right direction:

 

Consumer Direct

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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scan0010.jpg

Hi just remebered mum got a cca and hopeful thinks it is enforceable is there any thing i can do now. Should I send them An offer of £1 a month like some of her other creditors are getting they probably wont accept cos mum owes over a Thousand pound

Please help LIsa

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Lisa, your mom needs to get an income / expenditure sheet done and to just make a payment regardless of whether they accept it or not.

 

I use internet banking and just make payments directly to the account, even if they've refused my offer. Once they accept the payment they are as good as accepting your offer.

 

Are there any charges that can be reclaimed?

 

I will post you you some links tonight for templates for budget sheets, but got to go to work now :D

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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oh the good old token payments argument.

 

Judge:- if the £1.a month was not enough then why were u accepting it by crediting it to the account.

 

LLoydstsbs reply:- we were hoping that she would always pay the rest of the money each month.

 

Judge:- get out of my court.

 

:)

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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thank you will send them a token payment offer letter and see what happens

lisa

 

Make sure you make the payment too either via online banking or over the counter direct into the account. Do this regularly regardless of what they write.

 

If you feel your mom needs more help you could contact any of the agencies in this link:

 

http://www.consumeractiongroup.co.uk/forum/getting-out-debt/130781-where-get-debt-help.html#post1374472

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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  • 1 month later...

oh not heard of them.

 

can u post it up.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Hi Lisa,

 

I`m not sure as to the wording but maybe a letter informing them that the account is in dispute with Lloyds TSB who are accepting your token payments until the dispute is fully resolved and that you will deal only with Lloyds TSB.

 

Perhaps someone may already have a suitable letter for this.

 

As to them telling you not to underestimate the serious of this situation, tell them they underestimate the power of the force ;)

 

 

N.P

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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hi n.p

will wait until after weekend and see if anyone comes up with something have tsb not passed yours on to these people cos at one stage i think we where more or less at the same place with these morons have you ever heard of 1st credit

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Dear 1 crud.

 

Ref number:- XXXXXXXXXXXXXx

Re letter dated XXXXXXX

 

I am writing regarding your letter.

 

I am rather suprised that this account has been passed on to you as the account is now is serious dispute with LTSB since.

 

As this account is in serious dispute i have agreed to make token payments of £1. a month to LTSB until they settle this dispute.

 

As u should be aware because this account is in dispute u are not entitled to collect on this account under the oft guidelines on debt recovery so i respectfully request that u pass this account back to LTSB with immediate effect.

 

I require IN WRITING within 7 days of the date on this letter that u confirm to me you have done that.

 

Yours

Pigsic

 

OFT guidance link is in my signature. U may want to look at it and quote the exact part.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Hi Lisa,

 

At present mine is with BLS.

 

I sent pt`s letter to Lloyds and also a copy to BLS, then it went quiet.

 

It was basically to call their bluff and invite them to take me to Court if they think it`s enforceable. They probably will because they`re morons anyway, so even though it`s all quiet for the time being, I`m expecting something soon.

 

I can`t say I`ve heard of 1st Credit, then then again, how many DCA`s are there? There`s probably hundreds of Companies we`ve never heard of.

 

Regards

 

 

N.P

Edited by N.P

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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Lisa, can i just check - is this the account that Lloyds provided a credit agreement for?

 

If it is, I would just continue to make payments to Lloyds as 1st credit are only acting on behalf of Lloyds.

 

Are there charges on this card that can be reclaimed?

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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Hi hopeful1

 

They provided the credit agreement which is in post 310 and yes there are charges know on the credit card cos have not paid since oct but for the past couple of month mum paid the £1 should i still send the letters from gm

lisa

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u can do but it will need changing to date of complaint letter or summing.

 

Sorry got so long i forgot it has a cca but cant remember if it is correct.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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