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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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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hi there - advice please?!


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Hi all,

 

Having recently taken initial action and then sent a follow up letter, I have been rejected pretty much out of hand. I am sure someone out there will be familiar with Robert Kernaghan, of First Direct. He is now citing "Part 2: Operating your Accountm Clause 6.9" at me. I have, in the past, complained about charges as unnecessary, over the top and wholly unhelpful to my financial cause. Naturally, these complaints have, for the most part, fallen on deaf ears. This rejection was sent, complete with details of the Financial Ombudsman for my 'perusal', though they do "accept this letter will not provide the response that (you) hoped for."

 

Has anyone else seen a similar letter and, if so, what would be my course of action now? Finding £150 immediately to begin the court proceedings is difficult, but if I must, then I must. I am convinced that I am in the right here and have no intention of giving up - any advice on this forum will be greatly appreciated.

 

Neil.

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Yes, we all got that letter. You can basically ignore their responses as they are ignoring your request for payment and trying to get you to go away by quoting mumbo jumbo bank legal speak. I guess some people must give up at the various stages otherwise why would they bother? If you stick at it, and do the court thing when you told them you would (cost £30 or £120 depending how much you are claiming) you should get it all back. After the initial court thing, their solicitors are currently sending letters offering you half, which you refuse and then they offer you the full amount the next day. I know finding the £120 could be a problem, but it's a problem worth finding a solution for.

 

Of course, there's always the risk that yours could be the one they decide to take to court, but if you follow the instructions on this site it should be OK. It has been for me (expecting the money back today!). I think every person thinks that even though it works for everyone else that it may not work for me, but I really don't think the banks want to be in court over this.

 

Good luck

Jeremy

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Hi, just ignore him and stick to the timescales, when their time is up fill in a moneyclaim online, really easy, HSBC solicitors (DG solicitotrs) will tell you that they are defending the claim, then they will offer you 50-60%. Tell them that you acccept this as a downpayment and will be continuing with the claim. They will pay up. This will cost them the 8% interest and your court fees over and above the initial claim, but they think that we aint got the bottle to fill in a simple on-line form.

How wrong are they.

 

Stick with the program soldier.

They will pay

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Thanks for the advice - decided it is worth spending the money in the first instance, as I am wholly convinced I am in the right. I have spoken to FD on a number of occasions actually citing the unfairness and have always been tossed aside, or asked to sit through 15 minute "financial appraisals" - sometimes I have conceded and gone through it, but have inevitably arrived at the other side no better off - on more than one occasion, I have had to fork out more for increased Overdraft limits!!

 

The whole thing stinks to me and I am more than happy to go to court, as I simply cannot believe what banks get away with. I still have debts incurred as a student due to the responsibility-free stance of the banks - it was almost "here's free money"!

 

Anyway, I shall keep this website updated. Thanks for the response.

 

Kind regards,

 

Neil.

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Excellent. They paid up for me last night! I would doubt you'd have to go to court, although I'd have been happy to go - along with the local press who I'm sure would have enjoyed it too. Still, I'm better off today thanks to the advice on this site.

 

I also recently had one of those financial appraisals. What a waste of time, they treated me like I was dumb. I'm not. The reason my account kept going over was because I didn't use it much (I'd moved most things elsewhere where I had a business account since they don't do those and transfers are quick in the same bank) and their charges made there be less money in it than I'd thought. It was their attitude to me that ended up in me finding this site. Serves them right. They also took away my card because I refused to have my salary paid into my FD account. I sent them an electronic message today (now they've paid up) asking if they are going to re-instate me or should I take my business elsewhere! No response yet.

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