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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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CCA received from Lloyds TSB


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Hiya,

 

I asked for my CCA for a Lloyds TSB loan that I took out in 2002. My original request went to Apex in March, so it's only taken them 6 months! At least Apex closed their file on me though :)

 

I noticed in the t&c's on page 2 (at the bottom) it says about charging £25 for each letter they send me if I fall behind with my payments. Ashamedly, I have a stack of them (and that's just the ones I kept.) Are these included in the reclaiming bank charges? If they are I'm going to have to do some reading lol.

 

I have already sent a S.A.R - (Subject Access Request) to Lloyds TSB, which they received on 3rd September. Lloyds closed my current account and my savings account in February this year - I only found out when I went to pay some money into my current account (towards my overdraft.) They still haven't wrote to me about this so I don't know how I'm meant to be paying that off? I'm not sure if they have lumped my loan and overdraft together - this should show up on the S.A.R - (Subject Access Request) shouldn't it?

 

I did claim on the PPI when I had to leave work due to illness, but was already well behind on the loan by then, and now that the loan should have finished in June, it's not paying anymore.

 

Anyway, CCA received today - I hope I've attached it right and it can be read. *crosses fingers*

 

Any advice welcomed, but from what I've read on this brilliant site, it seems to have all them prescribed term thingies.

 

Sue

 

Edit: I need to have made 5 posts to post a link - which is a bit weird because I've done it before with a Cahoot CCA??? Will reply to myself and post links.

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Meant to ask the same question myself. It does seem that the central points are there (mine dates a year later, but has a much higher APR), but shouldn't the T&Cs be limited to the same page as the signatures?

 

However, the 'Customer Copy' I got at the time doesn't have the signature on it. Also, if PPI is a factor, was there not a separate document for that? Mine has my signature of there, but the vendor completed the name and date sections (mis-spelling my name in the process).

 

So, I'm trying to find faults with mine.

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I think they are the business suz7. But all is not lost if you have been showered with charges. You need to send them a SAR covering all the accounts you hold (or held!) with them and that should help you work out the charges, not forgetting that you will have been charged interest on those charges as well.

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BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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If it's a question of charges reclaiming, then all I can say, is that Lloyds' position on this can be best described as 'inflexible'.

 

It'll be a question of filing a court claim for refund of the charges - attempting to resolve it between yourself and Lloyds will lead nowhere. I do speak from personal experience on this one.

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We have an account with LTSB (or rather Halifax Building Society Bank of Scotland Lloyds Trustee Savings Bank etc) where the overdraft is less than the charges we have reclaimed. They are ignoring us/we are ignoring them.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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I detect some very annoyed ex-HBOS customers on the horizon. If they thought their dealings with HBOS were problematic, then the holiday is truly over. Never have I dealt with a company as truly disorganised and shambolic as Lloyds - and I've worked for some truly awful companies.

 

Still, all good for very annoyed ex-LTSB customers...

 

Oh, how I can't wait for the tidal wave of negative opinion against LTSB - not that there isn't one now.

 

Back to the topic in hand though - I'll have to go through that Lloyds agreement with a fine tooth comb, thought the points I made above were all I've found thus far, and that was just with a casual glance. I think LTSB agreements do deserve greater discussion - many posters have had problems with them in one way or another.

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Meant to ask the same question myself. It does seem that the central points are there (mine dates a year later, but has a much higher APR), but shouldn't the T&Cs be limited to the same page as the signatures?

 

However, the 'Customer Copy' I got at the time doesn't have the signature on it. Also, if PPI is a factor, was there not a separate document for that? Mine has my signature of there, but the vendor completed the name and date sections (mis-spelling my name in the process).

 

So, I'm trying to find faults with mine.

 

Re: the APR - I got some discount because I had a gold account lol

 

I've also read that the T&C's should be on the same page as the signatures, but I've also heard the phrase 'within the four corners' of the document. My 3 pages all have a date and time stamp at the top and have consecutive numbers on them, so I'm not sure if that links them all to 'within the four corners.' I can't see how they could get all them tiny T&C's on one page!

 

I've already sent my SAR so will see what they come up with on that.

 

Good luck with yours! My name and address are typed on mine - how come your's are hand-written?

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I think they are the business suz7. But all is not lost if you have been showered with charges. You need to send them a S.A.R - (Subject Access Request) covering all the accounts you hold (or held!) with them and that should help you work out the charges, not forgetting that you will have been charged interest on those charges as well.

 

Ta Goldlady, I've already sent the SAR (they received it on 3rd September). I was getting impatient with not receiving the CCA! There does seem to be alot of ignoring going on between me and TSB too - they're doing better than me though lol.

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Back to the topic in hand though - I'll have to go through that Lloyds agreement with a fine tooth comb, thought the points I made above were all I've found thus far, and that was just with a casual glance. I think LTSB agreements do deserve greater discussion - many posters have had problems with them in one way or another.

 

Thanks for the info F_DCAs, I won't bother trying to sort out any charges with Lloyds then!

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As regards the Optional Loan Protection document, all the fill-in boxes on the sheet are hand written by them and not me. My name is definitely mis-spelled on this. The signature also doesn't look right.

It is not unheard of for them to compile a CCA , photo copying your signature on to a document . But only way to test it is in court where the Judge may rule the Original must be produced .

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