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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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pigsic even after a good nits sleep i cant read it very well. so i cant say.

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 think if GM and i slept for a week, we wouldn't be able to read that. Didn't LTSB send an agreement that was enforceable anyway?

 

I would be inclined to try to cut 1st Credit out of the picture. I would simply write and thank them for their correspondence but you have contacted LTSB with a payment plan and are currently making payments directly to them.

 

If your mom can, she should then send the S.A.R off ASAP so she can get the charges reclaimed. Hopefully there will be enough charges to make a dent in the balance.

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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hit there i was thinking about a letter to write to first credit

 

dear sir/madam

 

Im writing to you to thank you for your correspondence about my tsb credit card.

I have contacted tsb direct with a payment plan and Im currently making the payment directly to them. So I would therefore be greatful if you could hand this account back to tsb

 

your faithfully

**************

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Dear Sir or Madam.

 

I am writing to infor you that LTSB have agreed to a repayment plan that involves me paying them directly.

 

They agreed this on XXXXXX and one of the terms was that no other company can contact me regarding this debt.

 

I would be extremely grateful if you could pass this account back to LTSB as the continued persual by you of this account would mean they have broken the terms of the contract which will leave me no option but to sue u for harrassement.

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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Dear Sir or Madam.

 

I am writing to infor you that LTSB have agreed to a repayment plan that involves me paying them directly.

 

They agreed this on XXXXXX and one of the terms was that no other company can contact me regarding this debt.

 

I would be extremely grateful if you could pass this account back to LTSB as the continued persual by you of this account would mean they have broken the terms of the contract which will leave me no option but to sue u for harrassement.

 

Hi

tsb have not wrote to say they are accepting but i just pay it every month so if i sent this letter could they not get me done for lying. First credit sent a letter to mum today saying that if she pays the balance within 14 days they will reduce it for her but where do these people think she can get the money from. Dont they understand everyone is battling

lisa

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Hi

tsb have not wrote to say they are accepting but i just pay it every month so if i sent this letter could they not get me done for lying. First credit sent a letter to mum today saying that if she pays the balance within 14 days they will reduce it for her but where do these people think she can get the money from. Dont they understand everyone is battling

lisa

 

 

That doesn`t make sense. Are they going to reduce it AFTER she pays it? I don`t think so!

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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well lisa take that line out then. its just an idea for u any way.

 

If this idea can be of help to anyone else then please feel free to use it

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 thanks for that letter i will use it but just change the top piece

thanks again

lisa

 

Lisa, i would leave that line in that GM posted. All the DCA needs to know is that regular payments are being made and as far as we and they are concerned they are being accepted because they haven't removed them for the account.

 

I avoid dealing with DCAs at all costs.

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 months later...

Hi there

Well just when we think its gone all quite mum got letter from debt management to say if she does not pay within 24 hour she will receive court papers in 7 days. Know she panicking but she has been paying her pound a month but they have never agreed to it.

 

What do we do know please help do i say well take her to court she wont be the only one and surely the court will see all she can afford is one pound it will at least stop all the chrages been put on the account.

 

Please help

lisa

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ok if they do take her to court it is a good thing in a way as it will stop the charges and they wont look good in court as they have already had in writing a offer of what she can afford each month, that is why i have said many times they love there token payments.

 

The arguement with the £1 payment is they can been deemed as accepted it as they have not in writing refused or even sent the money back each time. They have to prove to a judge she can afford more but in the current financial market then i cant see that happening let alone that she is a pensioner on a fixed income and needing to also live as well. trust me when i say the judge cant make here pay more than she can afford.

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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Yes mum would have to go to court BUT she could apply to the courts to have somebody else speak on here behalf, like you.

 

I dont know the full ins and outs with that but i think a letter to the courts would do. You will be able to go in with your mum and do everything on her behave if the courts agree if not you will still be able to go in with her.

 

Baliffs will only come in and can only take her stuff but that is if she dont keep up repayments and they wont take anything thats not worth taking.

 

For now anything they do is classed as empty threats. The courts will look at the evidence and will look at your mums income and they will see your mum has been paying the £1 a month for a while and that LTSB have not sent the month back that is them deemed to have accepted the offer, they cant argue part payment as they have to reject the money each month.

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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Title changed, thanks for the heads up Bo ;)

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

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Hi all with some advice from N.P I Am sending this letter to debt managers today so will see what happens from here. Cos I recievd the same letters as what N.P eceived from these people.

Lisa

 

 

ACCOUNT IN DISPUTE

 

 

 

DO NOT IGNORE THIS LETTER

 

 

 

 

Dear Sirs, Account Number: whatever.

 

 

Re: My request under the Consumer Credit Act 1974

 

This account is in Dispute.

 

I must admit that I am rather bemused as to why this account has been passed to yourselves, as it is in dispute with the Lloyds TSB and has been since *********. Not only is this a breach of OFT collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998

 

My last letter from Lloyds TSB was ********and stated that my complaint would be passed to their Legal Team, who specialise in the concerns I have raised. This obviously hasn’t happened. It would seem this account has simply been passed to a `Debt Collection Agency`.

 

As Lloyds TSB are now in default of my Consumer Credit Act request, I consider this account to be in SERIOUS DISPUTE.

 

As you are aware while my Consumer Credit Act request remains in default enforcement action is NOT permitted, under s127 this constitutes a complete defence at law.

 

Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

 

Now I would respectfully suggest that this account is returned to Lloyds TSB for resolution of these defaults and breaches, as `Debt Managers Ltd` cannot lawfully pursue any enforcement activities.

 

If `Debt Managers Ltd` chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action.

 

After taking advice, I am of the opinion that any continued pursuit is in violation of the Administration of Justice Act 1970 section 40 as well as breaching a number of the OFT Collection Guidelines. I hope that this will not be necessary and an acceptable solution can be accomplished.

 

I would appreciate your due diligence in this matter.

 

I look forward to hearing from you in writing ONLY, understand?

 

Yours faithfully

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  • 2 weeks later...

Hi all

I have received another rletter from dect managers ltd for lloyds tsb. This is how it goes:

 

Fantastic settlement opportunity

 

I have identified that your account now qualifies for a significant partial settlement.

 

full acount balance £1844.57

Amount to pay £1106.74

 

Saving £ 737.83

 

you can only take advantages of this one off settlement opportunity by contacting our collections team on 01709758485

 

should you fall to contact debt managers ltd within 7 days your account will remain registered as an unpaid debt.

 

yours sincerely

 

miss ************

 

Adviced would be very helpful

thanks

lisa

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Clearly these idiots have read your `disputed account` letter.

 

Why would they offer you a discount if you owed them the amount they claim?

 

I`ve forgot, but is this for a Credit Card? If so, does this have PPI added?

 

I have found what maybe a cool defence with my agreement. Don`t give in just yet.

 

If they still haven`t sent your CCA, they don`t do anything, just blank these planks.

 

 

 

N.P

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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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By the way, I`m sure I also received a fantastic offer from them too.

 

They claimed they have negotiated a settlement deal with Lloyds TSB on my behalf.

 

How nice, I didn`t ask, and I`m certainly not entertaining or paying mercenereies like these goons, because that`s all they are.

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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  • 3 months later...

hello well after saying on n.ps thread we have not heard from lTSB well we ahve an update..............

 

Dear Mrs ................

Account number..................

balance £1839,57

 

I feel it is important to let you know that our agents have been in touch with us in connection with your account. They say that they have been unable to agree a repayment programme and suggest we take legal action against you.

 

You can prevent us taking legal action by paying off the full outstanding balance of this account within 10 days.

 

If you are unable to send payment in full, please complete and return the questionaire overleaf to enable us to access your financial situation.

 

I look forward to hearing from you shortly.

 

IF YOU WISH TO MAKE A PAYMENT TODAY USING YOUR DEBIT OR CREDIT CARD THEN PLEASE CONTACT US ON THE ABOVE NUMBER.

 

Yours sincerely

 

Managers assistant

 

I have been paying a pound a month

so should i just fill in the expediture form and see what they come back with. It looks like it is back in the hands of LTSB.

 

Lisa

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No need they DONT need to have this info and they can ask but you do not have to provide.

 

Send the dispute letter and se what they come back with

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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