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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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Please Help - Next closing my account!


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Hey,

 

I have a NEXT account...a few months ago I called up to pay my monthly payment and the lady on the phone said I should have a card sent out so that I could use my account in the Next shops. Initially I was reluctant as I knew my credit history was now pretty rubbish, but she said there was no credit search! I agreed and she told me my new card would be with me in 10 days.

 

I got a letter saying that they couldn't supply me with a card...no reason why. I didn't question it until I called up next again month to pay my payment. I was then informed that my credit limit had been reduced from £800 to £115 - becuase they had performed a credit search for the card! I protested and said I didn't give them permission to do a credit search - they told me they did, they could do one at anytime without my permission.

 

I then phoned back up a few days later and was told that if I paid my account on time for the next 3 months my credit limit would automatically go back up to £800.

 

I have cheked my credit file...last month they reduced my "Credit Limit to £115" and this month it's back up to £800.

 

Today I have just phoned up to pay my account and have been told that my account is due to be closed when the balance is paid off.

 

Aarrrggghhh! I'm just so confused - I keep getting a different story each time.

 

Can they do all this - reduce my credit limit, say they are closing the account without giving me prior notice in writing? I said to the lady on the phone they couldn't do this but she was very rude and said that as a credit provider they could stop giving me credit whenever they wanted and they didn't have to notify me in writing.

 

Anyone out there know what I should do? Thanks in advance :)

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My balance is only £150 though...which is why i'm bothered 'cos I thought it was helping me try and repair my credit file - ie show that I have an account I can manage...£150 balance vs £800 potential.

 

I'm much more careful with money...just got into a bit of a sticky situation that spiralled out of control (started by bank charges!!! grrr!)

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I had this problem with Next - my limit has gone between £4K down to £800 and up again , this has happened about six times in the last year despite having a 100% record with them for five years! I was told by a lady at Next that they have implemented a new system which checks peoples credit files every three - six months and will reduce limits on accounts or even close , as in your case . I can understand your frustration and if you want to know what Next have on you , maybe send a subject access request , although this will cost you £10.

Thank goodness I found this site!

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Thanks for your reply!

 

I've managed to speak to a customer relations manager - she seemed nice enough and she's going to look into it and get back to me.

 

Even if they do want to close my account/reduce credit limit I just think that they surely must have to give me some prior notice in writing...no?

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Well I hope they resolve for you , mind you the first time my limit was reduced I called up to change my address and they put me on hold - never said they were doing a credit check and then she come back on and said my limit had been dropped ! I was so embarrassed , the new limit was under my balance to which I asked if I were going to be charged or penalised for , and she said no. A credit card I had (closed and paid in full!) dropped my limit , never told me twice and sent a letter confirming this two weeks later! Yes they can do what they want . Like you and many people here I used Next as it has been a good way of building a good credit history again if run correct. But I think this year anyone with a less than 'good' credit report will find that limits are dropped , interest increased or accounts closed altogether.

Thank goodness I found this site!

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Why don't those of you that have been having these problems see what your respective Trading Standards Service have got to say about it?

 

Trading Standards Central - Trading Standards and Consumer Protection information for the UK

 

From where i'm sat they can only say no and you've nothing to lose!

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