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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.
    • 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
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red debt collection service letter


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Hi everyone!

Hope that some will help me with this issue.

I received a letter form Red Debt Collection services and i have no idea what to do??!!Can someone give my some tips how to deal with it.

The letter states

"reference no.XXXX

Original creditor T mobile

Balance outstanding 250.47

 

header Pre Litigation Department

 

Our agent has failed to make contact with you(nobody have never ever try to contact me)and now as a requirement we must inform you that 7 days from the date of this letter(18/07 and i received the letter on the 23/07) we inted to instruct our Legal Department to review your account.

This may involve commencing legal action against you applying to the Court for a Judgement to be registered against you.If this is successfully obtained from the Court,dependent on your circumstances we may then apply to the Court for an order to enforce the Judgement without further notice to you.

 

If the court grants enforcement of the judgement we could look to

 

1.Instruct bailiff who may thene remove goods from your premises should the debt not be paid

2.Deduct via attachment of earnings directly form your employer

3.Obtain a charge against your property

4.Obtain payments directly from your bank account via third party debt order

5.Request your attendance at court for examination of your financial means

 

..."

 

Then they ask to contact them by phone to resolve that matter.

 

Please ,can anybody tell me what shall i do.I would be very grateful.THX

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Don't phone them. If you are able to offer monthly payments to clear the outstanding amount in a reasonable time, then write to them with your offer. If they were to take you to court, the judge would compel them to accept what you can afford, nothing more.

Please note: I give advice, in good faith, based on my reading and experience. Please satisfy yourself, that any advice given is accurate in content before acting upon it.

A to Z index

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html

 

...........................................................................

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Red are the "legal team" (lol) for Lowell Portfolio. I have received loads of letters from Red threatening to take me to court/petition bankruptcy etc etc....nothing has ever happened!

 

Take them seriously though just in case.

 

Send the orginal creditor a CCA request (costs £1) to obtain a signed credit agreement first.

 

Arrange a payment that you can afford and stick to it.

 

If they do take you to court the judge will set an amount for you to pay what you can afford. It's only if you default on that payment that Red/Lowell can get bailiffs/attachment of earnings and not before.

:!: Activ Kapital 2009 - £316 debt cancelled due to no credit agreement

 

:!: TNC Legal Collections (Swinton) - £61 written off due to complaint being upheld with the FOS

 

:D Be Happy and treat people exactly how you would like to be treated

 

:mad: Don't let people take advantage of you and stand up for your rights and beliefs

 

:p You only live once so don't take things so seriously

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Do not speak to them on the phone!!!

 

Write them a letter telling them that it is your legal right to only communicate with them via post, and ask them to respect this right. Also ask them if they bought the debt or work for tmobile, if they bought it offer them less than you owe. You may also wish to check with tmobile how much you originally owed (sar request). DCA`s are just out to scare people. When they threaten court action it is usually an empty threat or at the very least they will continue to send you threatening letters for months before taking you to court. Work out what you can afford to pay, make an offer in writing and tell them that you make the offer in line with the scale the court uses. Give them no more information, if they refuse make the payments anyway. Its a small amount and only for a mobile phone bill, do not pay more than you can afford, and dont worry about these people they are ****.

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  • 1 month later...

Hi there!

I sent an S.A.R. with 10 pounds payment to T-mobile UK about 3 weeks ago and so far i haven't received any respons.I'm getting worry whether everything is ok or not.As far as I'm concerned they have 40 days to reply so there is still some time but on the other hand i would though that they would like to solve this matter as quick as possible because it's their money.Any suggestions?? thx

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