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    • Shein has been linked to unethical business practices, including forced labour allegations.View the full article
    • 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.
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    • 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
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Guest suziedarkness

Hi Animal Lover,

 

Just been reading your thread and I have a similar situation.

 

I will be interested to know how you get on with CAB and to see if your agreement can be upheld. I bet it cant, they really are a bucketshop. I am convinced they ticked the insurance boxes after we signed as on my copy which is carbonated, the tick impressions are much harder than any other writing on the agreement including our signatures.

 

I wish you luck, keeping my fingers crossed for you that the agreement is in fact unenforcable and you can tell them to stick it where the sun doesnt shine!!

 

Suzie

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Hi,

 

I've just read the link and it sounds very interesting.

 

Do you think it could apply to my case/agreement? I didn't consent to the PPI or even know about it so nothing was ever mentioned to me about commision or anything. Maybe that's why they just add it so they can get the commission.

 

AL

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this may be the tip of the iceberg

i would now be demanding what the true cost of the policy was and what commission was paid

 

they have been getting away with it for years

this will come back to bite them now

 

we need a paper trail to see if you do have official ppi, or welcomes ghost transactions

very murky

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also the Insurance Premium Tax (IPT). Every single premium policy sold has this insurnace premium tax that the insurer has to pay the tax man.

 

We need to be asking how much of your premium was IPT and who paid the tax man his tax - Welcome or (apparently) the insurer?

 

If Welcome are selling single premium insurance premiums and no actual policies are being opened with Norwich - IS and HOW is the tax man getting his money? For Norwich to be paying the tax man - Welcome would have to pay Norwich for the policy first. Are Welcome are paying the taxman direct?

 

I really must update my Welcome thread - there has been so much to type, with so little time lol. They are idiots.

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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I'll post a letter to them asking all this but i doubt they'll give it me or maybe even have it as they have apparently sent me all info they have on me in my S.A.R.

 

Any advise on how best to write it would be appreciated i'm not very good at writing these kind of letters.

 

Thanks

 

AL

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I have included this in my S.A.R - (Subject Access Request) to Welcome - so that if they cannot/will not provide the info the Information Commissioners Office can have a look see. If they have to admit to the Information Commissioners Office they do not have this info then we have proof certain transactions did not take place. ie opening an actual policy, paying the IPT on that policy premium etc.

 

-Full copies or transcripts of any correspondence in postal, email or any other format which you have entered into with any individual, organization or third party which contains my personal or financial, or which pertains to me, including correspondence to the underwriter of any insurance policies and details of the relevant Insurance Premium Tax (IPT) payable on any single premium policies. Please ensure this includes how much tax was payable, who payment was made to and the date of this payment.

Edited by Dipply75
forgot most of it!

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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Hi Dipply

 

Is this what i should put in the letter

 

-Full copies or transcripts of any correspondence in postal, email or any other format which you have entered into with any individual, organization or third party which contains my personal or financial, or which pertains to me, including correspondence to the underwriter of any insurance policies and details of the relevant Insurance Premium Tax (IPT) payable on any single premium policies. Please ensure this includes how much tax was payable, who payment was made to and the date of this payment.

 

Also i'm still getting letters from Global Debt Recovery asking for me to pay this account i've sent 1/2 Account in Dispute letters but they just seem to keep ignoring them.

 

Is there anything else i can do to get them to stop, I've put on the bottom that the ICO and the FOS are dealing with the account like Postggj suggested but still not taking any notice.

 

Thanks

AL :)

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in your own words, tell global to bog off

if they carry on with harrasing you, you will send a complaint to the fos and ico

 

on the other hand, ignore global

this is just the threatomatic machine turning out garbage, dont worry about it

 

or send the letter of dispute, looks good for you if needed

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Hi,

 

I'll post another copy of the account in dispute letter to them if they ignorethis one then i'll ignore them and see what they do next.

 

Recieve letter from FOS saying they have recieved my complaint form and are now looking into it but i haven't heard anthing from the ICO do you think i should call them to see whats happening. I now they have recieved it as i sent it recorded delivey.

 

Thanks

 

AL

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Recieved a letter from FOS this morning.

 

They are now asking Welcome Finance for further information once they recieve that then there gonna pass it on to the adjudicators to try and sort out.

 

Fingers crossed it won't take long

 

AL :)

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I've recieved two replies from Global Debt Recovery regarding the last "Account in Dispute" Letter i sent on the 16th Oct.

Here are the links.

AL

 

http://i157.photobucket.com/albums/t50/jensenjaredaholic/Documents115-1.jpg

 

http://i157.photobucket.com/albums/t50/jensenjaredaholic/Documents116-1.jpg

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hi animal lover

 

with your questions unanswerd ref ppi, it seems welcome want you off there back.

its obviouse they dont want to tell you there under hand rip off insurances.

 

its up to you how you play this,

if i were in your position i would write to the dca with a list of the questions and demand an answer from welcome before you consider it.

 

i feel with the embarrasing questions, you have touched a raw nerve and have backed welcome into a corner.

 

think about it and wait for a reply from dipply.

 

welcome or a dca dont make offers like that unless they are hiding some thing

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welcome or a dca dont make offers like that unless they are hiding some thing

 

That's what i thought :D

 

I'll do that,i'll send the DCA a letter but before i do i'll wait to see if Dipply or anyone wants to add something.

 

Thanks

 

AL

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Recieved letter this morning from ICO, I now have a case reference number and they will be passing my complaint to a casework team before it gets allocated to an officer.

 

I've just put on the letter to Global Debt Recovery that now i have confirmation from ICO and FOS that they are looking into the complaints i've raised that i will not consider any offers until both there investigations are complete.

 

Does that sound ok?

 

AL :)

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Hi animal lover, sorry for the absence, had some troubles, of the kind that even CAG could not help with unfortunately - but am back!

 

Ref the letter to Global, that sounds fine - short and to the point as that is really all they need to know - be sure to use the words 'in dispute'.

 

As for Welcome and this Insurance Premium Tax, I think it could be worth writing to their compliance dept and simply asking them for the following:

 

The name of the Insurance company the policy is held with

How much was paid in Insurance Premium Tax

Did Welcome pay this tax or the Insurer

As a member of the Finance and Leasing Assoc - who is your Code Compliance Officer

When was you last annual statement of compliance submitted to the FLA

 

These are all very specific, simple questions that they can either answer with a simple fact or they can't. I have the bare bones of a letter put together with all this in it and will finish it today and post it here.

 

I will start chipping away at them with this also. My complaint is in, which I will have to update my thread with at some point this century!

 

After the few weeks I've just had, I could chew Welcome out and spit them out - the big boots are back on and am ready for the fight ;).

You reading this welcome? I have fought bigger than you, and I am the original dog with a bone.

 

Apart from that, how are you getting on Animal Lover, things anymore settled?

 

Again, sorry for vanishing in the middle of all you were going through, it was so rude.

 

Dipply x

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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Hey Dipply,

 

I wondered where you were I thought you didn't love me anymore lol :D

but don't worry about it, I hope you've managed to sort everything out and i'm glad your back.

 

Ill send that off to Gobal tomorrow and see what they say and i'll put the questions in this letter aswell just incase Welcome decide not to answer.

 

Nothing much has changed on the health and "work" side of things except my healths going worse.

 

I've recieved most of my wageslips for my housing and incapacity claims but i'm still waiting for 3 of them and the SSP1 form which there in no hurry to send out plus i've got the baliffs at my door but all my claims are on hold till i can get the info.

 

I've not done anything further will my complaint as i've read about what i would have to do at the tribunal and i don't think i'd be able to cope with it plus they know i'm not going back as i never went in to sort out my wages and never contacted them.

 

I've sent them a letter asking them to send out the remaining wageslips, SSP1 form and a list of all my hours put though the system and that due to my current health situation i'm unable to come into store to resolve this issue and ask that it can be done though the post.

 

I think it's actually gone past the 3 months now since the problem happened that would of started off the Disability claim so i think it's too late to do anything about it anyway

 

Sorry if this doesn't make sense i've got a spitting Migraine at the minuate

 

AL :)

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Hiya

 

Still luv ya :D, still worried about you too :(

 

Listen, as far as work goes, I totally understand. It cheeses you off no end but its being able to fight them just now. You have to do whatever is best for your health. If that means just closing the door on the whole episode and getting on with your life (I did it), then so be it.

 

I won't lie to you though - down the line when you feel stronger it will bug you no end that they got away with it all - but it's easy to get stroppy when you are fit enought to be stroppy lol

 

Just keep letting us know how you get on ;)

 

As for Welcome........I thought short and sweet. Point out the facts and ask for simple facts in return:

 

Dear Sir/Madam

 

I understand Welcome Finance is a member of the Finance and Leasing Association and you subscribe to their codes of practice which states:

3.2 Before you take out payment protection insurance,

or at the time you take it out, we will give you

the following information to help you to decide

if the policy is suitable for you.

The name of the insurer.

A summary of cover, which will explain what

the product is, the cost, and the key benefits,

exclusions and eligibility criteria (conditions).

The term of your insurance cover.

Any qualifying periods or excess payments or

periods needed before you can make a claim.

How to make a claim and who to contact if

you make a claim that is disputed.

If and when you may cancel your insurance

policy, and what action you need to take to

do this.

This information will help to explain if the policy

is suitable for you if you are self-employed, on

contract or part-time work, or if you have a medical

condition that you had been diagnosed with

before you took out this insurance.

Documentation

3.3 Once you have taken out insurance, we will give

you a copy of your policy or certificate of

insurance within 21 days, with a contact phone

number for any questions you may have.

Regarding the PPI policy you have advised you opened in my name for loan agreement number XXXXXXXX, there are a number of details which I have yet to be advised of, despite requesting this information several time. I would therefore be grateful if you could answer the following questions, with obvious regard to your membership listed above:

The name of the Insurance company the policy is held with

How much of my Insurance Premium paid directly to the Insurer (exact figure)

How much was paid in Insurance Premium Tax

Did Welcome pay this tax or the Insurer

As a member of the Finance and Leasing Assoc - who is your Code Compliance Officer

When was you last annual statement of compliance submitted to the FLA

Should you be unable to provide answers to these basic questions, please confirm this in writing with your reasons. I look forward to your earliest response,

Yours sincerely

your pain in the hoo ha (hee hee)

What do you think?

 

 

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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