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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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DCA silent phone calls


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Are these common in the industry & to what extent do people feel?

 

Common? They have driven me into a total rage on a number of occasions. I average over 50 silent calls from Capital One/Debitas per week for almost a year now.

 

There used to be a time when autodiallers were illegal if I remember correctly? Its about time that situation was reviewed in light of VOIP technologies being used by call centres nowadays because any situation where an autodialler phones you and then hangs up because there is no "agent" available when you pick up, is utterly reprehensible.

 

I wonder how many man hours (for want of a more politically correct term) are wasted each year in the UK as a result of stress from this type of harassment? I was on the verge of requesting an exam be rescheduled just last month because I was so messed up from the constant harassment on the phone from Capital One and Debitas.

 

Maybe it is time we started to bring this situation to the media's attention and starting some form of campaign to ban autodiallers or better enforcement of the various Acts these procedures are contravening with a statutory financial award to the plaintiffs for damages for when these autodiallers constantly call and then hang up.

 

The war on terror should start at home and the terrorists we need to worry about are Big Business. No ethnic group has laid a finger of harm on me or my family and I have travelled extensively; big business however has caused me substantial mental anguish and lobbied to have many of my rights removed. So really, who are the terrorists?

 

Alex

Paladine vs Abbey (2 Accounts)

Steps Completed

S.A.R. Sent on 31st October 2006

S.A.R. Received 1st November 2006

Letter received from Abbey saying statements and microfiche on the way Received 20th November 2006

Received 14 copy statements for 1 account and 12 for another on 21st November 2006. Began prelim prep.

Request for repayment of fees and schedule of charges sent on 27th July 2007.

Next Action

LBA going out on 10th August 2007

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No ethnic group has laid a finger of harm on me or my family and I have travelled extensively; big business however has caused me substantial mental anguish and lobbied to have many of my rights removed. So really, who are the terrorists?

 

Oh absolutely...

Big buisness & this New Labour government are the biggest bunch of terrorists & threat that this country faces today :mad:

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If you are getting calls which you find harrassing use the OFCOM form here.... Silent calls (when you answer the phone, there is nobody there) | Ofcom

 

To be honest I have a lot more faith in TS than I do in OFCOM, my complaint is currently with TS.

 

Alex

Paladine vs Abbey (2 Accounts)

Steps Completed

S.A.R. Sent on 31st October 2006

S.A.R. Received 1st November 2006

Letter received from Abbey saying statements and microfiche on the way Received 20th November 2006

Received 14 copy statements for 1 account and 12 for another on 21st November 2006. Began prelim prep.

Request for repayment of fees and schedule of charges sent on 27th July 2007.

Next Action

LBA going out on 10th August 2007

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Alex....I had a letter from HSBC saying that the OFCOM guidelines allow companies to make up to 3 calls per day, 8:00am - 8:00pm and includes Saturdays and Sundays, interesting to note also that OFCOM penalised the Abbey and a debt collection agency called Complete Credit Management for excessive silent calls... It would seem that both OFCOM / OFT / Trading Standards have a different view OR the financial companies just follow which rule suits them best !!!

 

Abbey accused of making excessive silent calls - Brand Republic Login - Brand Republic

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Alex....I had a letter from HSBC saying that the OFCOM guidelines allow companies to make up to 3 calls per day, 8:00am - 8:00pm and includes Saturdays and Sundays, interesting to note also that OFCOM penalised the Abbey and a debt collection agency called Complete Credit Management for excessive silent calls... It would seem that both OFCOM / OFT / Trading Standards have a different view OR the financial companies just follow which rule suits them best !!!

 

Abbey accused of making excessive silent calls - Brand Republic Login - Brand Republic

 

OFCOM regulations may be different but I suspect what it means they can call you 3 times a days if you don't ask them not too. I can't see the OFCOM regulation overriding statutory rights under Protection from Harassment Act, Communications Act and Administration of Justice Act. Once you ask them not to call citing the relevant Acts they have to stop calling irrespective of OFCOM regulations.

 

At least that is my understanding of it. Even then, these 2 companies (or one company) are well outside the boundary of 3 calls per day between 8-8.

 

Alex

Paladine vs Abbey (2 Accounts)

Steps Completed

S.A.R. Sent on 31st October 2006

S.A.R. Received 1st November 2006

Letter received from Abbey saying statements and microfiche on the way Received 20th November 2006

Received 14 copy statements for 1 account and 12 for another on 21st November 2006. Began prelim prep.

Request for repayment of fees and schedule of charges sent on 27th July 2007.

Next Action

LBA going out on 10th August 2007

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Alex....I had a letter from HSBC saying that the OFCOM guidelines allow companies to make up to 3 calls per day, 8:00am - 8:00pm and includes Saturdays and Sundays

 

Isn't this a DCA spin on the comment by a judge in a harassment case that harassment is unlikely to have been caused by less than 3 calls in total?

 

Grumpy

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I was under the impression they were supposed to be clamping down on all this stuff

 

Credit Today online

 

Probably another case of they say all the right things, but very little actually happens......:rolleyes:

 

Exactly my point about OFCOM. Their "revised" regulations amount to nothing but a toothless dog since it only covers autodiallers which give an automated message when the dialled party picks up. So it does absolutely shag all for those of us receiving dozens of silent calls every single day for months and months and months on end because of the use of the same equipment but without the automatic message on connection.

 

Alex

Paladine vs Abbey (2 Accounts)

Steps Completed

S.A.R. Sent on 31st October 2006

S.A.R. Received 1st November 2006

Letter received from Abbey saying statements and microfiche on the way Received 20th November 2006

Received 14 copy statements for 1 account and 12 for another on 21st November 2006. Began prelim prep.

Request for repayment of fees and schedule of charges sent on 27th July 2007.

Next Action

LBA going out on 10th August 2007

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Exactly my point about OFCOM. Their "revised" regulations amount to nothing but a toothless dog since it only covers autodiallers which give an automated message when the dialled party picks up. So it does absolutely shag all for those of us receiving dozens of silent calls every single day for months and months and months on end because of the use of the same equipment but without the automatic message on connection.

 

Alex

 

Ah yes.....I see what you mean. It's all becoming clearer to me now.

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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Ah yes.....I see what you mean. It's all becoming clearer to me now.

 

See the situation which is covered by the proposed revision to the regulations only effects a very small percentage of nuisance calls. In my experience very few companies use the automated message method, whereas a great deal of them use the autodiallers to just hang up if an agent is not available.

 

Alex

Paladine vs Abbey (2 Accounts)

Steps Completed

S.A.R. Sent on 31st October 2006

S.A.R. Received 1st November 2006

Letter received from Abbey saying statements and microfiche on the way Received 20th November 2006

Received 14 copy statements for 1 account and 12 for another on 21st November 2006. Began prelim prep.

Request for repayment of fees and schedule of charges sent on 27th July 2007.

Next Action

LBA going out on 10th August 2007

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Paladine , dont know if you are aware of this or if its any good but have a read of this and see what ya think .http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/114832-stop-unsolicited-calls-recorded.html

CAG v dca

 

CAG EVERYTIME .....

KEEP RIGHT ON TILL THE END OF THE ROAD ........

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Thinking about what you said earlier has given me the idea for a little business opportunity.

 

How about a device similar to an answering machine which can be programmed to recognise the origin of incoming calls. You can decide if the call gets through to ring your 'phone or not by pre-entering the numbers of family and friends or necessary numbers such as your work, etc. In the case of silent calls they get cut off after a suitable time that has cost them money.

If the machine hears a human voice from a barred company, such as 'Feefin, Bullie & Barsteward Ltd' the machine immediately bursts into a perfect digital rendition of #"Congratulations, you've bought a turkey...."# complete with vocals, to the tune of Sir Cliff's "Congratulations" subject to license, of course, or failing that someone with a suitable song who does approve. The machine will respond with a suitable song/tune depending on who the caller is and your pre-programmed preferred reponse. From that it would get it's name, the "PPP Off" device.

 

Has this already been done?? Could it work??

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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Thinking about what you said earlier has given me the idea for a little business opportunity.

 

How about a device similar to an answering machine which can be programmed to recognise the origin of incoming calls. You can decide if the call gets through to ring your 'phone or not by pre-entering the numbers of family and friends or necessary numbers such as your work, etc. In the case of silent calls they get cut off after a suitable time that has cost them money.

If the machine hears a human voice from a barred company, such as 'Feefin, Bullie & Barsteward Ltd' the machine immediately bursts into a perfect digital rendition of #"Congratulations, you've bought a turkey...."# complete with vocals, to the tune of Sir Cliff's "Congratulations" subject to license, of course, or failing that someone with a suitable song who does approve. The machine will respond with a suitable song/tune depending on who the caller is and your pre-programmed preferred reponse. From that it would get it's name, the "PPP Off" device.

 

Has this already been done?? Could it work??

 

Yes it can already be done with Asterisk (the PBX system I have been talking about that I need to configure). Asterisk is also free and industrial grade software (used by a vast number of businesses for managing the VOIP/POTS networks).

 

Alex

Paladine vs Abbey (2 Accounts)

Steps Completed

S.A.R. Sent on 31st October 2006

S.A.R. Received 1st November 2006

Letter received from Abbey saying statements and microfiche on the way Received 20th November 2006

Received 14 copy statements for 1 account and 12 for another on 21st November 2006. Began prelim prep.

Request for repayment of fees and schedule of charges sent on 27th July 2007.

Next Action

LBA going out on 10th August 2007

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