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    • its not a good thing or a bad thing its ongoing. mines gone the same route. these new notifications are equally meaningless.
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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)
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Abbey National messing with credit file - ***WON***


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Yes, but then what about my loss i.e costs nothing was spoken about that... but yes that would be nice...

OHHHHHHHHH hold on I missed out that they wanted me to pay half and they pay the other half...

 

Huh? Half of what? The debt?

 

Costs? Depends, as the claim is always to force their hands. For me, any damages/costs can be used as a negotiation tool to settle, but then others will say you should continue until you get the full amount you're claiming.

 

Depends how much the hassle of continuing is worth you, I suppose. Only you can decide.

 

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Huh? Half of what? The debt?

 

Costs? Depends, as the claim is always to force their hands. For me, any damages/costs can be used as a negotiation tool to settle, but then others will say you should continue until you get the full amount you're claiming.

 

Depends how much the hassle of continuing is worth you, I suppose. Only you can decide.

 

Yep half of the debt...

I just want this sorted now so im going to give them a figure which i half of the claim and see what they come back with... Im not a greedy person i just want them out of my life...

 

p.s your last line sounds like a game-show line :-) put a smile on my face... thanks...

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Ok im sending this emai maybe tomorrow morning depending if there are comments on my thread that make me change my mind.

 

"I'm glad we had this conversation, maybe it would be worth getting a copy of the telephone conversation between myself and the two other members of staff back in Oct / Nov 2007.

 

In my opinion I would be looking to settle at no less then £6000 this includes cost and what they have already offered. You will find this is less than half of the £15354.38 which is the actual amount to date. I just want this sorted one way or the other now, as I'm sure they do as well.

 

If they would like a breakdown of the £6000 I would happily do this. But as I said to you earlier it was nothing to do with the money it was to do with the principles that they are supposed to follow. I feel this figure is more than reasonable."

 

What do you think people ???

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You seem to have answered the questions yourself.......and as has already been said,at the end of the day,only you can decide if its acceptable to you.

Now you should be thinking about whether it will be acceptable to them....if they agree to 6k then seems everyone will be happy.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hey guys... Just thought i would add this little calculation if anyone knows of someone with the same problem as me...

 

One of the calculations i used was this... Most banks offer 6% per year interest on current accounts i can only get a basic account with no interest. :-( (Abbey do 6% on current accounts)... so what i have done to get part of credit loss per day value is this...

 

First you need to Work out what your yearly wage is less tax and NI * 0.06 (6%) and divided it by 365... that will give you the loss value per day... hope this makes sense and helps someone else out... Especially if its abbey...

 

e.g yearly amount is £25000.

£25000*0.06 = £1500

£1500 / 365 = a loss of £4.10 per day...

 

Im awaiting a response from them regardng my offer of settlement o let see what happens ill keep you all updated...

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  • 2 weeks later...

Standard disclosure means that you must list everything you have to disclose EVERYTHING to do with the case, even if it isn't favourable to you. See link.

 

PART 31 - DISCLOSURE AND INSPECTION OF DOCUMENTS - Ministry of Justice

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Standard disclosure means that you must list everything you have to disclose EVERYTHING to do with the case, even if it isn't favourable to you. See link.

 

PART 31 - DISCLOSURE AND INSPECTION OF DOCUMENTS - Ministry of Justice

 

 

Thanks for that... I have filled out my list of documents.

not very long but i sent off a CPR 18 request for a copy of telephone calls between myself and there customer ervice between a specific date and they have not supplied this... Can i still request it and put it in this list of documents... ????

 

I feel if i can get these recordings i will have a much stronger case.

 

My list of docs

1. Claimants SAR.

2. Email from Equifax confirming the date of changes to credit file 08/02/2008.

3. Communication between the claimant and defendant between March 08 and September 08

4. Items served via the court, defendant and claimant.

5. Email from Abbey National requesting for claimant to call customer service to confirm account status, 23rd November 2007.

6. Defendant letter to confirm account sold on to a 3rd party.

7. Response to Claimants CPR 18 request, following request for telephone recordings.

8. Copy of the banking code.

Edited by Lawsonm19810
Didnt put disclosure list.
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This is a list of things you have to disclose, yes ?

 

If you want to write, requesting the transcript or / and tape of the calls, then yes.. do so .. then add it to your list. :D

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2: Does your Bank play fair - You can force your Bank to play Fair with you

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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This is a list of things you have to disclose, yes ?

 

If you want to write, requesting the transcript or / and tape of the calls, then yes.. do so .. then add it to your list. :D

 

Yes this is my list to disclose.

 

This request would be a CPR 18 request??? or just a written request for it... ????

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As you made your earlier reqeust by CPR18, then I would make the request for the telephone transcripts in the same way. :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 3 weeks later...
  • 1 month later...

Happy New Year everyone...

Good news... Abbey agreed to refund my court costs and remove the default... this was all supposed to be 28 days after the 9th Dec... (or the day that i agreed this with them i.e I signed for it i.e 28th Nov...??)

 

Any how they have sent my cheque which im happy with and that was within the 28 days... However they have failed to remove the default and it is now over 28 days...

 

I have chased up their rep and he is going to get back to me... BUT IS THERE ANYTHING I CAN DO TO GET IT REMOVED NOW... They are taking the 'you know what' a little bit...

 

Can anyone help...???

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Happy New Year everyone...

Good news... Abbey agreed to refund my court costs and remove the default... this was all supposed to be 28 days after the 9th Dec... (or the day that i agreed this with them i.e I signed for it i.e 28th Nov...??)

 

Any how they have sent my cheque which im happy with and that was within the 28 days... However they have failed to remove the default and it is now over 28 days...

 

I have chased up their rep and he is going to get back to me... BUT IS THERE ANYTHING I CAN DO TO GET IT REMOVED NOW... They are taking the 'you know what' a little bit...

 

Can anyone help...???

 

I would write to them pointing out that this was agreed with them and you would like the default removed and confirmation that this has been done as a matter of urgency. Tell them that this is causing you grief. I assume you have discontinued the claim against them ?

 

Perhaps write via the solicitors that represented them !

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I sent an email to Abbeys sols on the 5th Jan... I have sent a follow up email today:

 

Bla bla bla

 

Have you had any response from your client yet? I'm getting distressed now as this is hindering a financial process that I am in the middle of and could become void if this is not removed very soon.

I must say I'm very frustrated because we agreed on a deal and although it is not your fault, it has once again shown me that Abbey have no honour. This also makes me think that I have made a mistake in trying to reason with them as they are once again taking advantage of goodwill.

 

Regards

Edited by Lawsonm19810
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  • 4 weeks later...

Have you checked your credit file?

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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In that case CONGRATULATIONS!!!!:D

 

Thread title updated.:p

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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