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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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Barclaycard PPI Refund.Help Required!!


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Hi All,

I have recently wrote to Barclaycard requesting a full refund of £253.56 for "payment protection premiums" as i was unemployed when i was signed up for the card.

 

This is actually the second request i've sent but i forgot to send the 1st by recorded delivery so as it was over 2 weeks ago i'm sure they've ignored it hoping i'll go away (NO CHANCE:grin:) but I did send the 2nd request 1st class recorded and it was delivered on 27th August08 but i've not recieved anything back as yet but i would expect them to take the full 12 days!!!

 

Just as a matter of interest, If they didn't respond what would be my next move???

 

Any help would be greatly appriciated.

 

Cheers Adamsdad.

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Sit tight and wait for a responce. Even send both letters again recorded delivery. If still no responce in 14 days.Go to the FOS and log your complaint with them they will resolve the matter for you but it will take several weeks.

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Hey Adamsdad

 

They are naughty aren't they? Now it's time to make them sit up and pay attention ;)

 

I would send this letter to them:

 

 

Date

 

Re: Account X

 

Dear X

 

I am extremely disappointed that as a leading financial institution regulated by both the Financial Services Authority (FSA) and the Banking Code, you have not seen fit to respond to my letters of (insert dates here).

 

I wrote to you on both occasions regarding what I consider to be the mis-selling of Payment Protection Insurance (PPI) on the above named credit card account. I requested a full refund of my premiums, plus interest paid. I would like to cancel this insurance policy forthwith as it is not fit for purpose and has never been suitable for my personal circumstances.

 

The account was opened on (insert date) and I elected to take out PPI. However, it was not explained to me at any time that there were exclusions within this policy that would apply as I was unemployed at the time and would therefore be unable to make a claim within the policy. It was also not explained to me that similar or better insurance cover for this loan could be bought elsewhere at a much more competitive rate. My personal circumstances were not questioned at any time while opting to take out the PPI.

 

Financial institutions such as yourselves are under an obligation to ensure that the policy they are selling is appropriate to that customer and clearly you have not fulfilled this requirement. The FOS takes the matter of mis-selling of PPI extremely seriously, as do I, and in many cases have imposed large fines on financial institutions who are in breach of regulations.

 

I am requesting, therefore, a full refund of all PPI payments to date plus the interest charged on these, totalling £x

 

I will give you 14 days from receipt of this letter in which to respond to this request. If you do not respond positively within this time period, I shall have no other recourse but to take my claim to the Financial Ombudsmen Service/ initiate court proceedings against you to recover these monies. (You choose which option you pefer here)

 

Yours sincerely

 

 

X

 

Send the letter first class signed for delivery keping a copy for yourself.

 

They will probably send you a letter fobbing you off, in which case we can move to the next stage and send a sterner letter.

 

Hope this helps.

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Hey Adamsdad

 

You're most welcome, although I should point out that this is not a template letter but one that I created on the spot, just for you :)

 

I look forward to hearing about Barclaycard's response ...

 

Best wishes

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  • 1 month later...

Hi Paintball and anyone else taking an interest in plight!

 

Sorry i havn't posted for a while but i work away for months at a time but i'm back now and here's were i'm upto.

I sent the letter Paintball so kindly made up for me (#3) on 09th September 2008. On 07th October 2008 I recieved a copy of my T&C's which i requested 4 weeks earlier along with a letter stating that they were taking my request seriousley and that they hoped to have resolved my complaint by 14th October 2008. Then on the 13th October 2008 they wrote stating that they were still looking into my complaint and hoped to have it resolved by 14th November 2008! I think they are taking the mick!!!!!

Also i read somewere on the site that they are obligated to send the original copy of my T&C's including a copy of the original application form which would have my signature on it, all i recieved was a copy of the then T&C's. Is this correct???

Should i wait until 14th November 2008 or will i just be fobbed off again??

or should i just get the ball roling with the small claims court??

 

Any advice as always would be greatly appreciated.

 

Cheers Adamsdad

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Personally, I would most certainly NOT be waiting around until 14 Nov for them to deal with your claim.

 

Have you sent your SAR? If so, then they have a statutory time limit of 40 days in which to provide all the info relating to the account and the PPI ... if not then make that request as Barclays are past masters at taking the 'P' and dragging things out ...

 

:)

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Hi Paintball,

 

The S.A.R was sent sometime ago and i did recieve all of my statements and have infact recouped all of my charges it's just the PPI i'm trying to recoup now on the grounds i was unemployed at the time i was signed up for the card and although i have sent 2 letters requesting a full refund of PPI payments made (at this point i have just added up all the PPI payments as they appeared on my statements and not added any interest) they keep fobbing me off that's why i was considering making the next step the small claims court.

What do you think???

 

Cheers Adamsdad

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  • 3 weeks later...

Hi All,

Bit of advice on the following would be extremely appreciated.

I have just recieved a letter back from Barclaycard explaining that they have reviewed my claim for a refund of PPI payments made on my Barclaycard and that they have decided that compensation, as they put it, is not applicable in this case for the following reason;

QUOTE.

The payment protection commenced on the account on 28th July 2003 and a policy document was sent to you a few days later. You had a 30 day cooling off period in which to examine the document, decide if it was suitable for you and cancel it if necessary.

You had never requested to cancel the policy, nor have you queried any of the charges applied to the account for the previous years.

Our "condition's of use" state that it is your responsibility to ensure that your spending is reconciled each month against your statement. Payment Protection insurance was shown on each statement and communication should have been made to Barclaycard in order to rectify this. Unquote.

 

This letter has actually crossed in the post with my LBA of court and was just wondering if i should write back to them explaining that i never recieved any PPI document and was just nieve in believing that PPI was just something that i had to have.

Shoud i have brought it to their attention earlier??

Any advice would be greatly appreciated.

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Hi All,

Bit of advice on the following would be extremely appreciated.

I have just recieved a letter back from Barclaycard explaining that they have reviewed my claim for a refund of PPI payments made on my Barclaycard and that they have decided that compensation, as they put it, is not applicable in this case for the following reason;

QUOTE.

The payment protection commenced on the account on 28th July 2003 and a policy document was sent to you a few days later. You had a 30 day cooling off period in which to examine the document, decide if it was suitable for you and cancel it if necessary.

You had never requested to cancel the policy, nor have you queried any of the charges applied to the account for the previous years.

Our "condition's of use" state that it is your responsibility to ensure that your spending is reconciled each month against your statement. Payment Protection insurance was shown on each statement and communication should have been made to Barclaycard in order to rectify this. Unquote.

You have since the sale come to understand more about the reguslations governing the sale of PPI and feel that you have not been treated fairly, were not given sufficient info to enable you to make an informed decision based upon your needs and circusmtances, and had you known then what you know now, would never have agreed to purchase the cover.You have a lawful right to pursue your claim with Barclaycard

This letter has actually crossed in the post with my LBA of court and was just wondering if i should write back to them explaining that i never recieved any PPI document and was just nieve in believing that PPI was just something that i had to have.

Shoud i have brought it to their attention earlier??

Any advice would be greatly appreciated.

Wait for their response ... then decide what you will put in your next letter to them. You can state this in a subsequest letter and offer them the opportunity to 'reconsider their position'.

 

Let us know if they respond to the LBA and if so, what they say ... :-)

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