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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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Are those bank charges excessive or am I just mad?


Lockheed
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I am an EU national and have been studying in the UK for my Masters.

 

After submitting the dissertation, in November I went back to my home country. Before I left I left my bank and credit card account on 0.

Back home, I used my NatWest credit card to purchase a plane ticked for the congregation held in January, hoping to pay it back in mid Jan.

When I came back I discovered the following:

 

- My Direct debit has been cancelled due to empty bank account.

- In November bank charged my Credit Card account with ‘Unpaid Direct Debit’ (1,70) and ‘Return Payment Fee’ (10)

- In November bank charged my Credit Card account again with ‘Unpaid Direct Debit’ (5), ‘Return Payment Fee’ (10) as well as ‘Late Payment Fee (12).

 

When I came back and found those letters in my mailbox I as quite upset for it is a lot of money to me. However, I though I can get by paying just the ‘Minimum Payment’ and over time I would eventually pay it in full, somehow.

 

Unfortunately, then I checked my bank account, which I believed was still at 0. I was wrong. Each month bank charged me there another fee of 38 pounds:

28th Nov 07: CHG Unpaid item, D/D 1.70 Natwest MC 38.00

28th Dec 07: CHG Unpaid item, D/D 5.00 Natwest MC 38.00

 

Now, not only my credit card is on -150 but my bank account is on -76 pounds and I can’t really see a way out of it.

 

I went to ask the people in the bank if it's some kind of a joke but unsurprisingly they said it's all good.

 

Are those charges lawful? Can they charge me three times for the same thing? Can they charge 38 pounds for not paying 1.7 quid?

 

I must admit I am very surprised with banks' conduct in this country.

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Hi, Lockheed.

 

No, your not mad, everyone in the UK is mad at having to pay our unbelievable bank charges. At the moment people in the UK are taking the Banks to court to claim back these charges

Have a look at this......

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

 

There is a major court case going ahead at the moment to determine whether or not these charges are lawful. All court claims have been put on Hold, until after the outcome of the 'Test Case' (this could take a very long time).

Have a look at this........

 

http://www.consumeractiongroup.co.uk/forum/general/107550-oft-test-claim-what.html

 

Start your claim as soon as possible, so after the 'Test Case' you will be at the head of the long line of people asking for their money back.

 

Hope you understand what I'm trying to say.

 

Regards.

 

Scott.

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

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maroondevo52, thank you for your answer. I am just composing my letter of complaint based on a template from the library.

 

I have a question, though. I want to claim repayment for both 78 pounds on my account and charges on my credit card. Should I just sum up all those charges and regard them as charges on one account or should I break them down to my account and credic card separately?

In case of the later - I am quoting my Account Number in the letter header so should I also quote my Credit Card number?

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Are you saying you left the country with your account showing nil balance, then while you were away, a Direct Debit that you didn't cancel was tryed to be taken from one of your accounts, with nil funds, the DD was declined and you were charged for this... You should have cancelled ALL Direct Debits before you went... if the funds are not available and you havn't arranged a agreed overdraft, then the bank doesnt have to honour the DD .... and can charge for refusing the DD request...

With respect your Credit Card account, you bought a ticket in NOV, hoping to repay the money in JAN, you only get 56 days before intrest and payment is due, so you didnt make any payment towards the balance on the CC hence you were charged for missing payments....

 

You had DDs coming out and had no funds to cover them in the account, banks don't pay DDs for free, you have to have money in the account for them to be honoured...You bought plane ticket, but made NO repayments, CCs dont give money away, its Credit not freebie.....

!2 years Tesco distribution supervisor

7 years Sainsburys Transport Manager

 

4 Years housing officer ( Lettings )

Partner... 23 Years social services depts

 

All advice is given through own opition, also by seeking/searching info on behalf of poster, and own personnel dealings.

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Yeah, I know it is not freebie. You said I had 56 days. I bought the ticked in late November and wanted to pay it in early Jan so it would be under 56 days.

 

By the way, I'd like to ask if it'd be better to apply for another account with different bank so that my benefit won't be eaten by the debt?

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hiya

 

Its 56 days for CC transactions not for the normal bank accounts, so if you didnt have funds to cover the Derict debits which you state you didnt as your account was zero, so you will be charged for the bounced DDs

 

The CC account, did you have a limit on the card, did you inform them you were leaving the country ? there might have zeroed your limit due to you leaving the country, check your account...

 

Banks can try to take charges from any money placed into your account, however there is a letter for you to send to the bank, explaining the money going in, is that of benefits and is needed for things like food etc etc, once the bank gets this letter, there shouldnt take it from you, browse the site on letters, it will be there somewhere, if you cant find it, just yell and ill go find it for you....

 

Have you thought about crediting one account with funds from another that way you will only owe on one account rather than two, hence less charges...

!2 years Tesco distribution supervisor

7 years Sainsburys Transport Manager

 

4 Years housing officer ( Lettings )

Partner... 23 Years social services depts

 

All advice is given through own opition, also by seeking/searching info on behalf of poster, and own personnel dealings.

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Hi, Lockheed.

 

Have a look for another account here.......

 

http://www.consumeractiongroup.co.uk/forum/general/13832-do-you-need-parachute.html

 

And have a look at this.............

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/42170-right-appropriation-stop-bank.html

 

Regards.

 

Scott.

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

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Thanks, Scott. One more question - should I address the letter to the local branch (as their website suggest) or HQ of the bank? Should I make any notes on the envelope, like "to legal department"?

 

Should I also apply for a return of UNPAID DIRECT DEBIT which is 1.7 and 5 pounds, or is this charge justified?

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Hi, Lockheed.

 

No the £17.50 unpaid direct debit charge is not justified.

 

You don't have to put anything extra on the envelope.

 

Have a look at this........

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/15518-charges-description-statements-please.html

 

Here's the Banks contact details......

 

http://www.consumeractiongroup.co.uk/forum/natwest-bank/74934-natwest-contact-information.html

 

Send your letter Recorded Delivery, the Bank has to sign for it when it arrives. So later they cannot say they did not get it.

 

Regards.

 

Scott.

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

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Thanks a lot. This forum is extremely helpful.

 

Just a note, the Unpaid Direct Debit was £1.7 + £5 = £6.7. Judging from the link you gave, it is the name of a charge that counts, not the amount?

 

I composed one letter for my bank account and MasterCard account and just wanted to confirm that the same rules apply to creditcard account and that I can claim refund for both accounts using one single letter. So, can I?

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Hi, Lockheed.

 

You should do two separate claims. The Credit Card claim is slightly different, here's the template letter......

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/586-credit-store-card-letter.html

 

Regards.

 

Scott.

 

 

 

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

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 1 year later...

A little update on my case. In March '08 NatWest told me every claim is being held due to the Test Case. Now, I stopped following it for some time but when I went to the bank April '09 I discovered, that they secretly added even more charges to my account. Secretly, because the statement shows -76GBP but after I investigated they admitted that even if I pay it in, there will still be somewhere around 30-50 quids to pay (can't remember from the top of my head).

 

So, my question is twofold:

1. Can I finally do something about the case I described in the initial post?

2. Are those new charges for the previous charges legitimate?

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A little update on my case. In March '08 NatWest told me every claim is being held due to the Test Case. Now, I stopped following it for some time but when I went to the bank April '09 I discovered, that they secretly added even more charges to my account. Secretly, because the statement shows -76GBP but after I investigated they admitted that even if I pay it in, there will still be somewhere around 30-50 quids to pay (can't remember from the top of my head).

 

So, my question is twofold:

1. Can I finally do something about the case I described in the initial post?

2. Are those new charges for the previous charges legitimate?

 

The charges were levied last year because of insufficient funds, and because the DD was bounced twice it was cancelled by the bank. You can claim all the charges from the credit card apart from legitimate spending(I think you said £1.70) and all the charges from the current account including pending charges but you will have to wait for the OFT test case result for the current account charges.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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