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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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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Attachment of Earnings order received!


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Hi,

 

I have just picked up and letter with "an application for Attachment of Earnings order" from Welcome Finance for a loan.

 

I have tried searching this site for help on what to do with this letter before I fill in the "Form of Reply" and "statement of means"

 

Can anyone point me in the direction of a good forum post or help on what to do with this letter/form.

 

I wantr to fill it in and get it to the court here today if I can? Maybe there are things I can do beforehand to delay proceedings, etc.

 

Thank you

Steve

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Hi Steve

 

 

Is the order from the Court?

 

If so I think you need to apply for a set-aside try looking here Removal of CCJ's - Valid reasons to have your judgements set aside for some initial ideas

 

Regards

Andy:)

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Hi there, if the form is from the court it will have a number on it - can you tell us what that is?

 

If it is the application for attachment of earnings there will be a box at the bottom right hand corner where you can ask for a monthly/weekly payment plan instead of the deduction from your earnings.

 

Kind Regards

 

Ell-enn

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Thanks Andy for the quick reply,

 

I have had alook at the 13 reasons and I honestly dont think I can use them.

 

I have not paid the loan for a while and admit that BUT i did have plenty of chats with them back along trying to sort it out, offering a lower amount per month, etc but they "fizzled out" then all of this. I had the County courts summons a while ago and endaevoured to fill it all in but it fell by the wayside, I forgot, which I know is very stupid of me.

 

I am quite prepared to pay something each month, albeit significantly lower, as referred to above but do not want them taking 15% of wages like they did last year for my council tax?!!?!?!?!?

 

I will not be able to live, literally!

 

Thank you

Steve

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Hi Steve, I have removed the case number and application number from your post as you might be identified by those if the creditor were looking at the site.

 

OK, is it a N56 form issued by the court? if so you need to fill in the details they ask for and at Q.10 "Iwould like a suspended order because..." write in the reason i.e. it could jeopardise your job etc etc.

 

Are you able to make monthly payments towards this debt?

 

Ell-enn

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I'm afraid not - it's up to the judge. However, these forms do have a good success rate - judges are usually willing to give debtors a second chance to pay, it always helps to send the first payment with the form to show commitment (postal order is best - and write the claim number on the back) - are you able to do that? Make sure your figures on the income and expenditure part add up ok to show you can only afford what you have offered.

 

Also, there will be a time limit for returning the form - if you post it rather than take it to the court, you should send it by recorded delivery to ensure they get it.

 

Can you send me a PM telling me what your job is - I may be able to come up with a good reason for avoiding attachment.

 

Ell

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Cheers Ell-enn,

 

Makes me feel a bit better, I want to pay it back but at a much lower amount. £25 per month is all I can afford at the moment and I have put that on the form. I can PUT some money in with it now, just about can afford it if I stop some other things, but am concerned it is too low compared agianst the debt (£7500)? What do you think?

 

My figures do not add up as I have been borrowing money from my mother each month to make ends meet. My outgoings are higher than my incomings, they look OK if I add my mothers lending into the Income table?!?! But they are very tight nonetheless.

 

I am a Project Support Consultant. I support Project Managers for a Large national insurance firm. They may not look kindly on this and I need a car for my work as I travel between offices a lot, if that is relevant.

 

I will be taking the form in this afternoon personally to the court, getting a receipt too!

 

Steve

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If that is all you can afford there isn't much else you can do. Are you in rented property or do you own your own home?

 

If you put the reason being that you work for an insurance company and you believe it will affect your job security and therefore future ability to pay.

 

Kind Regards

 

Ell-enn

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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Hi everyone,

 

I given the statement or means into the court and they have told me what should happen next, etc. The opposing party will look at it and then come back with their repsonse, etc and we'll all go from there I presume.

But....

 

I have just been informed at work today that I am in a "consultation period" prior to posssible redundancy!

 

How does this affect any attachment of earnings order. Can I delay it stating special circumstances or such like. Obviously nobody can collect money if I am not working (earning).

 

Any thoughts would be gratefullt received!

 

Steve

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Hi there, I would wait to see if your offer to make installments instead of attachment of earnings is accepted by the court. Obviously if you are made redundant you could then apply to the court to vary the judgement if you are not working.

 

Kind Regards

 

Ell-enn

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