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      Are There Any Social Workers on CAG ?

      By stu007 · Posted

      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.
    • stu007
      Advice needed regarding Eviction

      By stu007 · Posted

      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).     
    • stu007
      Eviction Time Again - Twice In 7 Months

      By stu007 · Posted

      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)
    • Debt_Collector
      Summons to court for a S87 (1) offence

      By Debt_Collector · Posted

      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

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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Scottish bureau of investigation?

skp27

By skp27
in Debt Collection Agencies

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PriorityOne

PriorityOne

Posted
Posted
And of course SBI sounds like FBI on the phone.

 

Wonder if their boss is called Elliott MESS

 

Yep... :D ... well spotted. Missed that one.... lol.

 

Would be a fantastic wind-up on the 'phone for those who could be assed to do it.... :D

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Curlyben

Curlyben

Posted
Posted

File under IGNORE as this is a phishing trip.

The use or "The Occupier" is a serious breach of OFT collection guidelines.

As and when they write actually identifying what they want, then respond.

Be VERY careful whose advice you listen too

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ODC

ODC

Posted
Posted
And of course SBI sounds like FBI on the phone.

 

Wonder if their boss is called Elliott MESS

 

Yep... :D ... well spotted. Missed that one.... lol.

 

Would be a fantastic wind-up on the 'phone for those who could be assed to do it.... :D

They certainly behave as if the are UNTOUCHABLE:lol:

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mr.ton

mr.ton

Posted
Posted
I used a similar tactic to ODC's suggestion when Lloyd's were bombarding me with letters trying to trace the previous occupant of a flat I lived in.

I wrote and pointed out that I did not work for them, but that if they sent me a contract of employment and details of what salary they were offering, I'd be pleased to consider it. I never heard from them again.

 

We know how cheeky DCA's are anyway...but to expect someone to do work for them without any payment in return is totally wrong & surely illegal? ;-)

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ODC

ODC

Posted
Posted
We know how cheeky DCA's are anyway...but to expect someone to do work for them without any payment in return is totally wrong & surely illegal? ;-)
Yes of course it is. We are at least entitled to the minimum wage for helping them:lol:

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ODC

ODC

Posted
Posted

Congrats on your 5,000th post ODC :)

Thanks very much I hadnt noticed. It would have been up soooner but I have been away in the sun spending the money that Lowells want from me but because I refuse to pat a Stat Barred debt several Spanish pubs and Tapas Bars got the benefit.:cool:

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Curlyben

Curlyben

Posted
Posted

You have a couple of choices here.

1/ File under ignore as they still haven't identified what the debt is concerning.

2/ fire off a "prove It" letter.

 

Dear Sir/Madam

 

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

 

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

 

I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

 

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

 

I/we look forward to your reply.

 

Yours faithfully

 

Now if it was me I'd ignore it until they come up with something more concrete.

Be VERY careful whose advice you listen too

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kev100

kev100

Posted
Posted
I have today received a letter from UK DEFAULT RECOVERY, I assume this is connected to SBI?

It states I have a debt of £1341.72 but does not say anything of its origins.

Should I really ignore this, what happens next?

There is an email address, should I ask what this is about?

Thanks.

 

Do what I am doing at the moment and ignore them .. unless something more serious turns up,

 

As you know most debts these people are chasing wont stand up in court even if it gets that far if you follow the correct and legal procedure .. unlike these idiots with a sense of over importance and misguided legal power they think they have.

 

Remember only a court can legally get any money from you.

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sillygirl1

sillygirl1

Posted
Posted

Report it to the OFT - that is a name that again is ambiguous and could lead to people thinking they have powers they don't. UK Default Recovery is possibly another name used by people such as Robinson Way and Moorcroft, they used to have the trading style 'Register of Debtors in England and Wales' at one time, to really try to scare people.

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  • 1 month later...
jaam

jaam

Posted
Posted

i got a letter from scottish bureau of investigation also known as the lewis group.

 

My jaw dropped:o as there was no name on it and it had been hand delivered , with an old previous address on it- in fact my old address from over 3 and 1/2 years ago. :confused::confused:. where i had quite a lot of debt from bank overdrafts from an old student account but the account is about 4 or 5 years old and i have never made any attempt to pay the money back. i cant afford to start now as im a stay at home mum and im pregnant and all our money goes straight to house bills and rent. im now really worried that they will harrasse me and put me under major stress. i have no idea how they have found me at my new home, as i made a point of not having anything under my name and its all under my partners

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ODC

ODC

Posted
Posted

It could be a phishing trick. It is against OFT guidelines to send a letter addressed to the occupier or not clearly identifying who the letter is addressed to and to what the debt relates to. Sit tight for the moment and see what they come up with. You would be better starting your own new thread on this so as you can be sure of getting the proper advice.

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gibbs10

gibbs10

Posted
Posted

as the previous adviser has said, if they had your name, and were acting within the law yu wouldn't have received someting not addressed to you. They are bullies. Why should we upstanding people who have simply got into a bit of unmanageable debt be harrassed and bullied. I have just taken a thief to court( a former employee) and whilst they were found guilty because of her dire financial circumstances she has been ordered to repay me £1 per week for ever!!! I will be dead before I am repaid, and furthermore if she defaults, it will cost me more money to bring her back to court!! All I'm saying is that its us decent people who worry, while **** go about their merry lives owing thousands to honest folk. Ignore their letters or return to them!

i got a letter from scottish bureau of investigation also known as the lewis group.

 

My jaw dropped:o as there was no name on it and it had been hand delivered , with an old previous address on it- in fact my old address from over 3 and 1/2 years ago. :confused::confused:. where i had quite a lot of debt from bank overdrafts from an old student account but the account is about 4 or 5 years old and i have never made any attempt to pay the money back. i cant afford to start now as im a stay at home mum and im pregnant and all our money goes straight to house bills and rent. im now really worried that they will harrasse me and put me under major stress. i have no idea how they have found me at my new home, as i made a point of not having anything under my name and its all under my partners

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  • 3 months later...
SuziVee

SuziVee

Posted
Posted

I also received a letter from SBI today and almost had a heart attack. I've been married twice and have been in the UK for 8 yrs ... not from here originally. They actually used my maiden name, which I used for a few weeks when I originally came to the UK ....

 

Following all the advise given on the subject ... thank you!:)

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naughtykitten

naughtykitten

Posted
Posted

I got a letter from the 'SBI' today too! Addressed to the occupier (that's me!) but regarding previous owner with her name & a reference number...

 

These letters are a 'skip trace' measure from the Lewis Group intended to get you to contact them out of pure curiosity or fright!

 

My letter was just addressed to the occupier & said name & ref number & said they were trying to contact her regarding an urgent personal matter. Such skip trace wording! The cheeky monkeys! As if I'm going to call them so they can have my number on her file!

 

I can't stand the multiple departments within companies pretending to be different companies all together. They think they are sooo clever...I wonder if it ever works?

:razz:
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naughtykitten

naughtykitten

Posted
Posted
i got a letter from scottish bureau of investigation also known as the lewis group.

 

My jaw dropped:o as there was no name on it and it had been hand delivered , with an old previous address on it- in fact my old address from over 3 and 1/2 years ago. :confused::confused:. where i had quite a lot of debt from bank overdrafts from an old student account but the account is about 4 or 5 years old and i have never made any attempt to pay the money back. i cant afford to start now as im a stay at home mum and im pregnant and all our money goes straight to house bills and rent. im now really worried that they will harrasse me and put me under major stress. i have no idea how they have found me at my new home, as i made a point of not having anything under my name and its all under my partners

 

 

The credit files get linked with a partner sometimes so when searching for one person you get details of partners too...including addresses so they may have got it that way. It will also get updated on the electoral register each year which is publicly viewable, although now you can tick the option of not having your details on the edited public version, but any credit checks will give access to the full register.

 

Another way they get information is by buying it from other companies...not sure the exact details but they can get phone numbers & addresses of friends, relatives etc this way.

:razz:
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mr.ton

mr.ton

Posted
Posted

I can't stand the multiple departments within companies pretending to be different companies all together. They think they are sooo clever...I wonder if it ever works?

 

These "mulitple departments" are nothing more than desks on different sides of a room :rolleyes:

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hillards

hillards

Posted
Posted

I know only too well what the multiple trading names are about - and Lewis Group use far too many!

 

They have an associated office in Belfast, plus one in Glasgow, so Scottish bureau of investigation probably originates there

 

Trace their family tree and you find Cattles at the top, the parent company based in Batley, West Yorkshire. Cattles own Welcome Financial Services and The Lewis Group.

 

Within the Lewis group is Lewis Investigation Services, or LIS on the paperwork. Not only do they use the 'SBI' name but they are members of the Members of the Association of British Investigators (ABI). Wonder how many other letters of the alphabet they can put before 'BI' ?

 

Wolverhmapton Council gave a wonderful press statement, which Lewis Group publish on their site - The Wolves at the Door

I like the line that says "...The first thing we look for is that they have to be a member of the Credit Services Association (CSA)..." - which is akin to a child playing cowboys making his own "Sheriff! badge!

 

I also chuckle to think that the company which provides thousands of loans via Welcome is equipped to jump on their debtors so quickly!

 

To mis-quote Mike Harding - It's hard being a cowboy in Cleckheaton...

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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