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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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Mum and TSB


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Hi Lisa :)

 

Yes, i would write to 1st Credit as GM has said to say account is in dispute. I always try to avoid dealing with DCAs.

 

I would keep paying the £1 to Lloyds, but i would also send a Subject Access Request off as soon as you can. When you have added up all the charges and added interest too, you / your mom can reclaim that all back.

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 there can I just ask you know the agreement that LTSB sent well going back someone mention that it does look like its forceable can I still send the letter GM has adviced me to send

lisa

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yes you can as if u believe it is not then i would send it.

 

You dont need to say it is in dispute over a cca you can change it to refusal to deal with my complaint or anything just make sure it is valid.

 

You can also say the account is is dispute for more than one reason as it it.

 

They have yet to accept the token payment offer but they are not sending the money back to your mum.

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 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

Lisa

 

Is the document that you posted here actually signed by your mother?

 

it would help if you could clarify this please

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I have a suggestion

 

Dont panic

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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I have a suggestion

 

Dont panic

 

I 2nd that!! :D

 

Have you sent that S.A.R off? You can then say the account is in dispute until you have ascertained the full balance. Keep paying that £1.

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

Can I just ask if they take mum to court will she have to attend and if she is making pound monthly payments and keeps them up can they still send the bailiffs

lisa

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Hi Lisa,

 

I beleive she will have to lose in Court, and then default on the CCJ, and then they will have to go back to Court to get a Bailiffs order, which they will also need to win.

 

Like GM and Hopeful have said, don`t panic, one step at a time.

 

 

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

Can I just ask if they take mum to court will she have to attend and if she is making pound monthly payments and keeps them up can they still send the bailiffs

lisa

 

Lisa, please do not worry. No they cannot send bailiffs round.

 

If it did go to court the judge would see your mom has offered and is making the payments she can afford. As long as she keeps making those payments it will go in her favour.

 

Has your mom received a default notice for this account?

 

If yes, did the default amount include charges?

 

Speaking of which.....have you sent that S.A.R off???!!!!!!!! :)

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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You would not be informed about a balif hearing as it is just a paperwork thing that gets either rubberstamped buy the court manager or they put it in front of a judge and the judge says yes.

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 mum received a letter today from 1st credit say that thanks for informing them the account is in dispute and they will contact LTSB regarding the matter it could take about a month. But to contact them to arrange a payment plan (as if she going to phone them).

 

Will see what cames back from this then send S.A.R off, cos she has just sent one off for dads hsbc account so cant afford two in one week.

lisa

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Hi mum received a letter today from 1st credit say that thanks for informing them the account is in dispute and they will contact LTSB regarding the matter it could take about a month. But to contact them to arrange a payment plan (as if she going to phone them).

 

Will see what cames back from this then send S.A.R off, cos she has just sent one off for dads hsbc account so cant afford two in one week.

lisa

 

Well at least that gives her a bit of breathing space. She's making payments anyway so they can go......i'll let you fill that bit in yourself :p

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 mum received a letter today from 1st credit say that thanks for informing them the account is in dispute and they will contact LTSB regarding the matter it could take about a month. But to contact them to arrange a payment plan (as if she going to phone them).

 

Will see what cames back from this then send S.A.R off, cos she has just sent one off for dads hsbc account so cant afford two in one week.

lisa

 

Well at least they recognise the acc is in dispute.

As a professional CAGGER you will not need telling this but. DONT CALL THEM. They have nothing ur mum or u want to hear and they will only try and pressure a payment argagement out of her.

 

have fun with the wait.

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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  • 1 month later...

hi there all

Well its been a long time but they are back, just when you think you have you got rid of them.

 

A letter from LCS Solicitors it reads.

We are acting on behalf of 1st Credit Ltd who has instructed us to write to you concerning this seriously overdue account.

 

Unless full payment is made to our client within 14 days from the date of this letter we are instructed to issue proceedings against you in County Court for recovery. Should that step prove necessary our client's claim will include statutory interest, Court Fees and Solicitors costs. If judgement is obtained against you then, after a period of 28 days, it will automatically be registered at the register of the county court judgements and will have an adverse affect on your credit rating.

 

Please note that we are not instructed to enter into correspondence with you regarding this matter prior to the issue of legal proceedings.

 

all payments and communications should be made to our clients whose address is 1st credit ltd, Po Box 278, Reigate, RH2 7WB.

 

If you unable to make payment in full you must contact 1st credit immediately, their telephone number is 0870 164 2054

 

The date on the top of leter is 11/08/2008

 

mum is making £1 payments a month to LTSB but she has not had a statement from them but they have not sent the £1 payments back so they must be accepting them.

Hs any one got some advice for us please. How do i change this threads name to LTSB/1ST CREDIT V'S MUM

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File under ignore as these "people" are simply solicitors-for-hire".

This line gives it away:

Please note that we are not instructed to enter into correspondence with you regarding this matter prior to the issue of legal proceedings.

Be VERY careful whose advice you listen too

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I have told mum not to worry cos if they take her to court she wont be to only one cos there will be a lot of people battling now a days. But is easyily said when is not you I suppose.

lisa

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mum is making £1 payments a month to LTSB but she has not had a statement from them but they have not sent the £1 payments back so they must be accepting them.

Hs any one got some advice for us please. How do i change this threads name to LTSB/1ST CREDIT V'S MUM

 

Have you written to LTSB and asked for a statement of account? You don't need to explain why you want it, your mom's entitled to it anyway. Just make sure she keeps the payments up.

 

Was this an account with charges on it? If you start reclaiming that'll keep them busy for a while :D

 

If you want your thread title changed, you should PM one of the site team.

 

Hope you're ok :)

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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  • 2 weeks later...

hard to say i will look in the morning due to tireness

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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