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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • stu007
      Are There Any Social Workers on CAG ?

      By stu007 · Posted

      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.
    • stu007
      Advice needed regarding Eviction

      By stu007 · Posted

      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).     
    • stu007
      Eviction Time Again - Twice In 7 Months

      By stu007 · Posted

      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)
    • Debt_Collector
      Summons to court for a S87 (1) offence

      By Debt_Collector · Posted

      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
    • dx100uk
      Homeowner - Struggling to now pay minimums on unsecured debt

      By dx100uk · Posted

      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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      BankFodder posted a post in a topic,

      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.

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      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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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Lowell Financial Dollar Financial debt

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Sol

Sol

Posted
Posted

Seeing as I'm helping someone else, I thought I'd ask for some advice as well.

 

I have recently received a request of £625 from Lowell saying that it is for a company called Dollar Financial. I had never heard of them before and so asked for evidence which they sent. The question is what consititutes as proper evidence as I'm not sure what a CCA and SSAR is etc.

 

I have noticed the name on the documentation is for an Instant Cash Loans, so they've obviously been taken over, or changed name.

 

Thanks

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ODC

ODC

Posted
Posted

Send this to the Leeds Losers

 

Dear Cretins

 

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

 

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

 

I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

 

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

 

I/we look forward to your reply.

 

Yours faithfully

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Sol

Sol

Posted
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Posted

I sent this bunch a request of confirmation of the debt a while ago and I think what they sent is accepatable, confirmation with my signature etc.

 

As I'm a very poor student :rolleyes: I offered to pay £1 per month and completed the I&E form to back this up. They sent me a letter on the 28th May to say "we are currently reviewing your offer and will be in contact shortly". The account has been placed on hold.

 

It also says it would be helpful for them to speak to me and would be grateful if I could phone them.......which I have no intention of doing.

 

Does anyone know what they might be doing with my offer, or does it normally take a while?

 

Thanks

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Pinky69

Pinky69

Posted
Posted

I wouldn't be paying them a penny unless I had cast iron proof. They usually say that they checked your credit files and the information they have matches the files - that proves nothing. I'd want who the original creditor was, what the original amount was and a copy of the letters of assignment from both the original creditor and Lowells proving they have the right to collect the debt. A "prove it " letter is only the start. I would then send them a request for acopy of the credit agreement to ascertain that the agreement was properly executed and enforceable. They probably aren't thinking anything about your offer of £1. They may delay to put pressure on to get you to pay more than you can afford. Deviousness is a way of life for DCAs and you have to be up to them or they will walk all over you.

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IdaInFife

IdaInFife

Posted
Posted

copy the details on the 4th line under what you want to put here.

 

then click on the insert link next to the smilies and copy what you have from photobucket to there

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

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Sol

Sol

Posted
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Posted

Anyone help with this? I'm trying to put the documents I've uploaded onto photobucket on here, but the personal details i've deleted and saved seem to re-appear :confused:

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  • 3 weeks later...
Sol

Sol

Posted
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Posted

Hi guys

 

Does anyone have any idea about what Lowell might be doing?

 

I have a letter dated 28th May saying they are considering my offer of £1 per month :) and they will be in contact shortly, with the account being placed on hold in the meantime.

 

My worry is that they may pass this to another DCA without telling me.

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Sol

Sol

Posted
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Posted

*****Update******

 

Had two phone calls today, one from Hamptons and one from Red.

 

First guy asked me if I could pay the full amount today and I said I had told Lowell I could make no more than £1 per month payment, to which I was asked why, and I said I had already informed Lowell I was a student. The guy put me on hold for over 5 minutes so I hung up.

 

About an hour later I get the call from Red confirming my details and then asking if he could call me back as he doesn't have all the paperwork for my case :lol:.

 

I wouldn't normally speak to them on the phone but I want to take delight in telling them they are getting no more than £1 per month.

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IdaInFife

IdaInFife

Posted
Posted

Did you send a payment with your letter?

 

Pay the £1.

 

Keep the payments up, if you have online banking, so it that way, it's free.

 

Wait and see if they contact you again.

 

idax

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

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Pinky69

Pinky69

Posted
Posted

They are probably not doing a lot. Their problem is that they know you cannot pay any more than £1 per month and if they go further with it, they will probably not get any more anyway.

 

"I'm a poor student, M'lud. Due to being poor, I can only pay £1".

 

"How dare you bring this poor, decent, honest student to my court! Take his £1 and be grateful I am not reducing it to 20p! Costs of £5000 awarded to the student. Now get out of here and NEVER darken my dock again, you miserable rogues, or I will clap you all in irons!"

 

I expect they will take your £1 but they will moan and groan a lot before they do.

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