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    • 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.  
    • Sleep apnoea: used to require the condition  to be “completely” controlled Sometime before June 2013 DVLA changed it to "adequately" controlled. I have to disagree with MitM regarding the effect of informing DVLA and S.88 A diagnosis of sleep apnoea doesn't mean a licence wont be granted, and, indeed, here it was. If the father sought medical advice (did he?) : this is precisely where S.88 applies https://assets.publishing.service.gov.uk/media/64edcf3a13ae1500116e2f5d/inf1886-can-i-drive-while-my-application-is-with-dvla.pdf p.4 for “new medical condition” It is shakier ground if the opinion of a healthcare professional wasn’t sought. in that case it is on the driver to state they believed they met the medical standard to drive. However, the fact the licence was then later granted can be used to be persuasive that the driver’s belief they met the standard was correct. What was the other condition? And, just to confirm, at no point did DVLA say the licence was revoked / application refused? I’d be asking DVLA Drivers’ Medical Group why they believe S.88 doesn’t apply. S.88 only applies for the UK, incidentally. If your licence has expired and you meet the conditions for S.88 you can drive in the U.K., but not outside the U.K. 
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    • Hello,

      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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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

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      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Marks & Spencer Credit Card


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would help a lot of us i think (((SORRY manc - asking for this on your thread)))

 

 

Don't be sorry, It is all good, and I would be interested to see the threads too.

 

Thanks Willow, is good to know what the buggers get up to.

It's all fun and games until someone loses an eye :D

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:) thanks manc

 

all about self learning and knowing the pitfalls before we end up further in the pit so to speak

 

laters angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Dont have much of a thread to speak off, but what i did was research loads of different threads on various web sites and put together parts of different letters to make 4 or 5 letters which took me through the process from start to finish. In house sols are D & G solicitors who are complete bar stewards, and will use the most incredible bullying tactics to frighten you. They ordered me to withdraw my defence as they had sent me all i needed to know otherwise they would enter judgement against me. Most people would believe them and pay up anyway, which is what they rely on!! In the end all their threats came to nothing, and as i had it all in writing i threatened to report them to the complaints board of solicitors who deal with mal practice . Never heard from them again!!! Funny that!!

 

Happy to help any one who needs help from these ****holes!!

Just contact me....

 

willow x

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willow thanks i may just be callling you very soon Help,,,,

 

laters all angel x;)

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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I haven't followed this through and it sounds like a great victory. Well done you.

Were you disputing the enforceability of the M&S credit card agreement and had you stopped making payments before all the brouhaha ? Do we (anyone) know if the standard M&S Money CCA is enforceable ? Please advise.

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I have all these fantastic letters, i just wish i could learn to upload them!!!

Im so useless with computers!!! Seriously you can win. I put a binding order on the solicitors which seemed to have an effect. I got this of another site. i hav'nt seen it mentioned on CAG. Put it this way. I am now approx £ 12000 better off!!

 

Willow x

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Hi hopster,

 

to cut a long story short i struggled with payments and stopped making them in the end.

 

i tried to make things right but they were not interested, and took me to court to get a charging order, so i had to fight back. Had they not issued court directions i would have started to pay it back, so they did me a favour in the end!!! My agreement started in 1997, if that helps you.

 

willow x

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my account didnt go to an outside DCA they just passed it straight to in house solicitors. iI was a big balance so maybe this was the reason. I started the ball rolling with a CCA request by registered post which they ignored. Within a month, they went straight for my short and curlys with a court summons filed at Northhampton, which is the norm anyhow. This is not for the faint hearted, but as long as you have a water tight defence you will be ok. ( as long as agreement is unenforceable!) Default notices can also play an invaluable part in any court action, if they are not valid. Hve you CCAd them yet? You possibly will get something back but wether it is enforceable is another question.

hope this helps.

willow x

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Willow

Yes, I CCA'd them in October last and eventually at the end of November got a copy of the original application form and relevant terms and conditions. I have paid nothing since. They have recommended me to Payplan earlier this monthb but I have done nothing. I have asked a solicitor to have a look at all the paperwork but no-one seems prepared to say that the agreement(s) (for there are others) are unenforceable. How did you know that yours was ? I have not received a default notice yet ! HELP !

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Hi Hopster,

 

When you say agreement(s). how many do you have? You should only have 1 from M& S. Are you including other banks generally? How old is your M& S agreement? Is it a pre contractual application form ( you mention application form above.) Can you post it up here and I will look and see if it is the same as mine. Your solicitor wont be able to help you unless he is an expert in consumer law. You probably know more than him already from this site. M&S want their money back so they will direct you to people who will help them achieve that.( payplan etc.) They dont want to help you they want to help themselves!! Sit tight and dont pay them anything. See what they do next. Even if you get a default notice they don't keep them on file, and cant produce them in court!!!

Going through this process isnt nice but now i am approx £33000 better off from three banks. Some are easier than others!!

hope this helps

willow x

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Hi Hopster,

 

When you say agreement(s). how many do you have? You should only have 1 from M& S. Are you including other banks generally? How old is your M& S agreement? Is it a pre contractual application form ( you mention application form above.) Can you post it up here and I will look and see if it is the same as mine. Your solicitor wont be able to help you unless he is an expert in consumer law. You probably know more than him already from this site. M&S want their money back so they will direct you to people who will help them achieve that.( payplan etc.) They dont want to help you they want to help themselves!! Sit tight and dont pay them anything. See what they do next. Even if you get a default notice they don't keep them on file, and cant produce them in court!!!

Going through this process isnt nice but now i am approx £33000 better off from three banks. Some are easier than others!!

hope this helps

willow x

I would post it if I knew how. Where do we find an expert in Consumer law ?

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My agreement had none of the required terms on it ,or much else on it for that matter!. No specific APR rate, no credit limit, no account number on form, no bank signatory etc. The terms and conditions on the back were from 1997 but in parts were unreadable. the consumer credit act bit was on the back of the form not on the front. the whole thing was from a microfische and not great quality. Charges for going over limit etc (£25.00) at the time were not even on the back let alone the front. Or if they were they were unreadable. All this adds upto a completely unenforceable agreement.

hope this helps

willow x:razz: :razz:

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  • 4 weeks later...

Letter from Sparks & Mincers today

 

marks_24march09.jpg

 

Now, correct me if I am wrong, but if they have already registered a default, then they cannot re-call it and register a new one.

 

Can someone please claify this and what it means to me.

 

Thanks

 

:D

It's all fun and games until someone loses an eye :D

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You say if a default is registered the account is closed. Do you mean that or have I misunderstood. I have two defaults registered at Experian. The account is closed ? No further interest ? Please advise.

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Just spoke to my OH, and we have a letter from Sparks & Mincers which is a shiny brand new DN.

 

Now you would think that they would get it right this time around, but they have failed to put a remedy date on the letter, but instead just wrote that it was 14 days from the date of the letter!!!!!

 

I will post it up when I get home from work :D

It's all fun and games until someone loses an eye :D

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  • 3 months later...
Back to the idiots at Collect Direct again

 

 

I would write back asking them to confirm what "various local sources" have they been discussing your personal circumstances with exactly!! :mad:

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

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