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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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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Cheekiness towards a DCA


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Thanks

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Thanks Fred Tiana has been an inspiration not just to me and my wife but to hundreds of other people that have been following her story (I'm not exaggerating her site regularly receives over 350 visits a day!)

 

I think the single most important thing I learned when I found CAG was that I could stand up tp these DCA's and actually take control for the first time in years! The last thing we needed when our little girl was in intensive care for 6 weeks was calls and letters from their threat-o-matic printers!

 

CAG gave me the belief in myself to stand up to them and I've spread the word to friends and relatives...

 

DCA's beware... We're fighting back!

 

Good for you Tinnud. One thing for sure is that here you will find like-minded people. We're all in the same boat. Most of us got here because we were being threatened/harassed/hounded/bullied by banks or DCAs and had had enough.

 

The irony of course is that those very same organisations ended up in many cases getting nothing because they couldn't provide valid agreements. They've spent vast amounts of money, not only getting nowhere but actually losing payments they were already receiving. If they'd acted with decency and a little bit of common sense in the first place, most of us would never have found this site because we would never have looked for it.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Fredrickson International Ltd - Bespoke Debt Collection Services

 

They never mention the solicitors though that scare us

Bryan Carter

 

Go for it Fred .... You know you want to xx

 

I wouldn't dream of it. Mind you, I think it's about time fuzzybobble had his own web site: Fuzzybobble Debt Terrorist - Probably the best Debt Collection Agency in the World

 

Regards.

 

Fred

  • Haha 1

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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This site is a bad influence on me...!

 

Lisa just called from home. She said I have a letter from a company called Fenton Cooper regarding a disputed debt with NatWest Bank. Disputed because I reclaimed over £3,000 in bank charges and, for some reason, they want them back! Apparantly they're offering me better than 50% off if I pay in the next 7 days!

 

I got the number from Lisa and called them:

 

FC: Thank you for calling Fenton Cropper. Can I have your reference number please?

 

Me: I'm sorry I don't have my reference number as I'm at GOSH with my 10mth old daughter who had heart surgery 11 weeks ago.

 

FC: Ok, Can I have your postcode?

 

Me: Yes it's .... ...

 

FC: Thank you. Your house number?

 

Me: ..

 

FC: Thank you (They're very polite monkeys...). Can you confirm your date of birth?

 

Me: 01/01/02

 

FC: Ok thank you. How can I help?

 

Me: Before we proceed further with this call I must inform you it is being recorded.

 

FC: Ok.....

 

Me: I understand you've written to me asking me to make you an offer to pay a disputed debt to Natwest bank?

 

FC: That's correct. How would you like to make your payment?

 

Me: Well, first things first... I require a valid signed copy of the original CCA.

 

FC: The what?! - Oh you mean COA - Contract of Agreement?

 

Me: CCA - Consumer Credit Agreement

 

FC: Oh. And why is that?

 

Me: Because under consumer law I am entitled to see it.

 

FC: Are you saying the debt isn't yours?

 

Me: I'm not acknowledging any debt. Especially without a valid CCA.

 

FC: Oh. Ok I'll see what I can do.

 

Me: Thank you. Goodbye.

 

 

Now, from what I've read on here so far I believe I have to send a letter requesting this along with a payment of £1 or £10 (not sure which?).

 

The polite lady broke Data Protection Act by discussing my account even though I gave her a false DOB.

 

I guess I'll have to wait and see what happens next but I must say it was very satisfying! A week ago I'd have been a nervous wreck lol

Tinnud

 

Successfully reclaimed £3379 bank charges from NatWest - 2007 :D

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This site is a bad influence on me...!

 

Lisa just called from home. She said I have a letter from a company called Fenton Cooper regarding a disputed debt with NatWest Bank. Disputed because I reclaimed over £3,000 in bank charges and, for some reason, they want them back! Apparantly they're offering me better than 50% off if I pay in the next 7 days!

 

I got the number from Lisa and called them:

 

FC: Thank you for calling Fenton Cropper. Can I have your reference number please?

 

Me: I'm sorry I don't have my reference number as I'm at GOSH with my 10mth old daughter who had heart surgery 11 weeks ago.

 

FC: Ok, Can I have your postcode?

 

Me: Yes it's .... ...

 

FC: Thank you. Your house number?

 

Me: ..

 

FC: Thank you (They're very polite monkeys...). Can you confirm your date of birth?

 

Me: 01/01/02

 

FC: Ok thank you. How can I help?

 

Me: Before we proceed further with this call I must inform you it is being recorded.

 

FC: Ok.....

 

Me: I understand you've written to me asking me to make you an offer to pay a disputed debt to Natwest bank?

 

FC: That's correct. How would you like to make your payment?

 

Me: Well, first things first... I require a valid signed copy of the original CCA.

 

FC: The what?! - Oh you mean COA - Contract of Agreement?

 

Me: CCA - Consumer Credit Agreement

 

FC: Oh. And why is that?

 

Me: Because under consumer law I am entitled to see it.

 

FC: Are you saying the debt isn't yours?

 

Me: I'm not acknowledging any debt. Especially without a valid CCA.

 

FC: Oh. Ok I'll see what I can do.

 

Me: Thank you. Goodbye.

 

 

Now, from what I've read on here so far I believe I have to send a letter requesting this along with a payment of £1 or £10 (not sure which?).

 

The polite lady broke Data Protection Act by discussing my account even though I gave her a false DOB.

 

I guess I'll have to wait and see what happens next but I must say it was very satisfying! A week ago I'd have been a nervous wreck lol

 

 

Hi Tinnud,

 

There is a template somewhere but I can never find it, so here's one you can amend to suit:

 

Dear Sir/Madam

 

ACCOUNT NUMBER: xxxxxxxxxxxxxxxxxxxxxxx

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY

 

With reference to the above account, I request that you send me a true copy of this credit agreement before I will correspond further on this matter.

 

This is my right under the legislation contained within section 77 (1) and section 78 (1) of the Consumer Credit Act 1974, and I am entitled to receive a copy of my credit agreement on request.

 

Your obligation also extends to providing me with a statement of account. I enclose a £1 postal order, which represents payment of the statutory fee payable under the Consumer Credit Act. I understand that a copy of my credit agreement should be supplied within 12 working days from the date of this letter.

 

I understand that under the Consumer Credit Act, creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

 

Also, since you are a Debt Collection Agency, I would also ask that you supply a signed true copy of the executed deed of assignment for the above referenced agreement. This is an obligation, whether you are the original creditor or not, under section 189 of the Consumer Credit Act 1974.

 

In summary, I DO NOT ACKNOWLEDGE THIS DEBT AND THEREFORE REQUIRE YOU TO SUBSTANTIATE THIS BY PROVIDING THE FOLLOWING DOCUMENTATION BEFORE I CORRESPOND FURTHER :

 

1. True copy of original credit agreement

2. Statement of account

3. Copy of the executed deed of assignment from Bank Name. and DCA Name (if applicable)

As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued.

 

Take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested.

 

Further to the above, please ensure that any contact by yourselves is made in writing only to the above address. Telephone calls and personal visits will not be accepted and viewed as harassment.

I look forward to hearing from you within the statutory time limit.

 

Yours faithfully

 

 

Tinnud

 

 

You send this with a £1 postal order. Don't forget to send it recorded delivery and don't sign the letter.

 

 

Regards.

 

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html#post162367

 

Template letter N with a postal order for £1 sent special delivery is probably the way to go :)

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

to

923 Finchley Road London NW11 7PE

 

 

Click here if you fancy an email address that shows you mean business! (only £6 and that will really help CAG)

 

If you can't donate, please use the Internet Search boxes on the CAG pages - these will generate a small but regular income for the site

 

Please also consider using the

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Excellent - Thank you Fred.

 

I will print it off as soon as we get home and will send it.

 

I'll post on here if I hear any more from them :)

Tinnud

 

Successfully reclaimed £3379 bank charges from NatWest - 2007 :D

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A belated halloween message to all DCA's in the immortal words of Bender....

 

futuramawb5.jpg

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

to

923 Finchley Road London NW11 7PE

 

 

Click here if you fancy an email address that shows you mean business! (only £6 and that will really help CAG)

 

If you can't donate, please use the Internet Search boxes on the CAG pages - these will generate a small but regular income for the site

 

Please also consider using the

C.A.G. Toolbar

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Excellent - Thank you Fred.

 

I will print it off as soon as we get home and will send it.

 

I'll post on here if I hear any more from them :)

 

Tinnud, just catching up with the thread myself and was so sorry to read about your little girl. I sincerely hope she makes a speedy recovery and offer my heartfelt *hugs* to you and your family.

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Ches Messieurs,

 

J'ai été fiablement informé que vous tout mange des bananes comme un repas principal, pour cette raison seul, j'ai peur que je ne peux pas vous payer plus, bien je dis que j'ai peur, que je signifie suis vraiment je suis content pour dire. Je toujours ai soupçonné que vous toutes têtes vides eues, maintenant il a été confirmé !

 

Connaissez-vous la citation suivante ?

 

Je ne veux pas vous parler non plus, vous videz l'essuie-glace de chemin de nourriture animal dirigé. Je pète dans votre direction générale. Votre mère était un hamster et votre père a senti de baies de sureau. Maintenant partir ou je vous accablerai de sarcasmes un deuxième temps.

 

Je suggère que vous m'habituez à lui.

 

Translation

 

Dear Sirs,

 

I have been reliably informed that you all eat bananas as a main meal, for this reason alone, I am afraid that I cannot pay you any more, well I say I am afraid, what I really mean is I am glad to say. I always suspected that you all had empty heads, now it has been confirmed!

 

Are you familiar with the following quote?

 

'I don't want to talk to you no more, you empty headed animal food trough wiper. I fart in your general direction. Your mother was a hamster and your father smelt of elderberries. Now go away or I shall taunt you a second time.'

 

I suggest you get used to it.

 

389Shell

 

Please let me reiterate, this has been copied and pasted into a translator, it will make no sense to a Frenchie. :D

 

 

PLEASE DONATE ANYTHING THAT YOU CAN

 

 

A government that robs Peter to pay Paul can always depend on the support of Paul.

George Bernard Shaw

 

 

 

 

Go on, click me scales (if I have helped) :grin:

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This is where dca monkey's get there training

 

Red Faces Over Road Sign Gaffe

 

Today, 01:37 am

skylo.jpg?x=140&y=26&q=75&sig=oedxwteT6cU.4X3EUgIhKw-- Sky News

A Welsh road sign that read "I am out of the office at the moment" has been taken down after bemused members of the public reported the blunder. Skip related content

2325898322-red-faces-road-sign-gaffe.jpg#180,180 Red Faces Over Road Sign Gaff

 

 

 

 

Swansea Council admitted that the embarrassing error had come about after it emailed its translation service to request help.

It failed to realise the reply was an automatic out-of-office response.

The email read, in Welsh: "I am not in the office at the moment. Please send any work to be translated."

PHOTOBUCKET TUTORIAL IS NOW DONE HERE IT IS

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Languages again.

 

Took the pick below on the Autopista Fransisco Fajardo in Caracas.I would have expected it to read Cono Tu Madre or Hijo De Puta, but as the autopista has 8 lanes in each direction at this point and nobody keeps to their lane...:eek::eek::eek:

 

I agree, Anglo Saxon is definately best!

 

DSCF0648-1-1.jpg

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I wouldn't dream of it. Mind you, I think it's about time fuzzybobble had his own web site: Fuzzybobble Debt Terrorist - Probably the best Debt Collection Agency in the World

 

Regards.

 

Fred

 

Hee hee, now that's funny. :-D

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Hee hee, now that's funny. :-D

 

Glad you like it fuzzy. I've had a few problems with my usual free hosting site which is a pity because there are no ads on that one. If I can sort it out, I'll change the link.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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It would be funny to rework 1st credits entire site, then have the video link to the wmv version of fuzzybobble debt terrorists on huggy's site.

 

Then email Uncle Bob the link to the site :D

 

Also register the site with google so it shows up at the top when you search for debt collectors. :D

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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It would be funny to rework 1st credits entire site, then have the video link to the wmv version of fuzzybobble debt terrorists on huggy's site.

 

Then email Uncle Bob the link to the site :D

 

Also register the site with google so it shows up at the top when you search for debt collectors. :D

 

Google bombing, now there's a thing. The best one I've ever seen is this:

French Military Victories bung that into google, then press the 'I'm feeling lucky' button. It's also a good idea to follow the links you get afterwards. Absolutely bloody hilarious.

 

Another good one was "f***wit", which took you to the Deputy Prime Minster's website when John Prescott held that job. Wish I knew how to do it.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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It would be funny to rework 1st credits entire site, then have the video link to the wmv version of fuzzybobble debt terrorists on huggy's site.

Then email Uncle Bob the link to the site :D

Also register the site with google so it shows up at the top when you search for debt collectors. :D

 

FB (and others)...i think we need to be a bit careful in how far we go - im all for getting even with DCA's etc... but lets be a bit careful eh?

Sorry to be a spoilsport ;)

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Indeed.Following reported posts,the team will be looking at this.Harmless banter is one thing but going beyond that could have serious consequences.

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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Indeed.Following reported posts,the team will be looking at this.Harmless banter is one thing but going beyond that could have serious consequences.

 

Point taken. I'll delete these sites if needs be. In fact I think I might delete them tomorrow night.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Indeed.Following reported posts,the team will be looking at this.Harmless banter is one thing but going beyond that could have serious consequences.

 

I dont want my thread turning into a recruitment ground for anti DCA terrorists :D

Like i said folks, im sorry if i sound like a spoilsport & im all infavour of playing pranks on them etc...but lets just keep it at that eh - especially in MY thread :p

Edited by mr.ton
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