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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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    • 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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Wave/Ex GMAC Mortgage eviction help


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Hi there, good news about the contract:) would you be able to get a letter from your employer stating that?

 

I'll be working on your statement and will post it later today, I'll also affix the budget sheet in .pdf - print off one to practise on first before completing a final copy.

 

Kind Regards

 

Ell-enn

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Hi there, good news about the contract:) would you be able to get a letter from your employer stating that?

 

I'll be working on your statement and will post it later today, I'll also affix the budget sheet in .pdf - print off one to practise on first before completing a final copy.

 

Kind Regards

 

Ell-enn

Help us to keep on helping

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

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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hi ell-enn,just heard from my employer that i will be getting a full time contract within the next week-2 weeks,this will give me a guaranteed income of full time hours rather than just working part time and then my hours being topped up with overtime which some weeks is less,will this also help,also i will be paying another £20 off today

 

Things are looking up already:D

 

olives xx

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hi ell-enn,just heard from my employer that i will be getting a full time contract within the next week-2 weeks,this will give me a guaranteed income of full time hours rather than just working part time and then my hours being topped up with overtime which some weeks is less,will this also help,also i will be paying another £20 off today

 

Things are looking up already:D

 

olives xx

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Biddy your luck is changing,please keep positive.

What may give you some more time,is check paperwork from court,if claimant is still GMAC on paperwork and no paperwork has been produced to change title of ownership to Dove,then the order cannot be given by judge.This could help to give more time to pay more off. It would be a delaying tactic and not a solution.

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Biddy your luck is changing,please keep positive.

What may give you some more time,is check paperwork from court,if claimant is still GMAC on paperwork and no paperwork has been produced to change title of ownership to Dove,then the order cannot be given by judge.This could help to give more time to pay more off. It would be a delaying tactic and not a solution.

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Hi there, affixed is the budget sheet in .pdf format.

 

I am in the middle of writing your statement for court - can you confirm you have (or can get by tomorrow) the following:

 

Receipts for the last two payments (internet banking statement or statement from ATM)

 

Copy of the standing order you have set up (again internet banking?)

 

Paperwork showing your loans finish in 3 months (original agreements?)

 

Copy of your letter to Wave

 

Estate Agent's details

 

 

Ell-enn

Budget Sheet.pdf

Help us to keep on helping

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

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Hi there, affixed is the budget sheet in .pdf format.

 

I am in the middle of writing your statement for court - can you confirm you have (or can get by tomorrow) the following:

 

Receipts for the last two payments (internet banking statement or statement from ATM)

 

Copy of the standing order you have set up (again internet banking?)

 

Paperwork showing your loans finish in 3 months (original agreements?)

 

Copy of your letter to Wave

 

Estate Agent's details

 

 

Ell-enn

Budget Sheet.pdf

Help us to keep on helping

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

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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i have a receipt for one of the payments the other i made over the phone and it hasn't shown up on the account yet,have done a copy of the standing order set up i have paperwork for one of the loans am ringing the other company to get the other one,got a copy of the wave letter,should i talk to their rep at the court before the hearing or not?

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i have a receipt for one of the payments the other i made over the phone and it hasn't shown up on the account yet,have done a copy of the standing order set up i have paperwork for one of the loans am ringing the other company to get the other one,got a copy of the wave letter,should i talk to their rep at the court before the hearing or not?

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I would be very careful what you say to the other side. When you go to the court try and get there a bit early and ask if there is either a duty solicitor or a cab rep there. Talk to them and they may be able to go into courrt with you and talk on your behalf.

 

They will also talk to the other side for you as well. This will be very difficult but try to say as little as possible. When i went for the first time to court I told the other side everything thinking that this would help me. In the end he simply said "well whatever you say the mortgage comapny just want the house and that is what i will say to the judge". The little slime ball had not done his homework and relied on me to give him his case. He went into court and used everything i said against me. He even reckoned that my food money was not enough to live on. Thankfully the judge saw what he was doing and mad him look really small in the end.

 

Just be careful what you say and if you can dont talk at all.

 

olives x

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I would be very careful what you say to the other side. When you go to the court try and get there a bit early and ask if there is either a duty solicitor or a cab rep there. Talk to them and they may be able to go into courrt with you and talk on your behalf.

 

They will also talk to the other side for you as well. This will be very difficult but try to say as little as possible. When i went for the first time to court I told the other side everything thinking that this would help me. In the end he simply said "well whatever you say the mortgage comapny just want the house and that is what i will say to the judge". The little slime ball had not done his homework and relied on me to give him his case. He went into court and used everything i said against me. He even reckoned that my food money was not enough to live on. Thankfully the judge saw what he was doing and mad him look really small in the end.

 

Just be careful what you say and if you can dont talk at all.

 

olives x

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so its best not to talk to them,i talked to the one before he didn't seem to know much about it then i wished i hadn't as he used the evidence against as i wasn't working full time,i had somebody i had rung who was supposed to send a rep to help me,unfortunately forgot who the company was and they haven't rung back yet.

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so its best not to talk to them,i talked to the one before he didn't seem to know much about it then i wished i hadn't as he used the evidence against as i wasn't working full time,i had somebody i had rung who was supposed to send a rep to help me,unfortunately forgot who the company was and they haven't rung back yet.

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Hi Biddy, my advice is usually not to talk to the other side's solicitor and don't give them a copy of your statment until you are in the hearing. If you get to court early you can ask the usher to give your statement to the judge before the hearing.

 

Ring the court and check if there are any CAB or legal reps there on Wednesday.

 

Any luck with a letter from work about your increased hours?

 

Ell-enn

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This site is run solely on donations

 

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Hi Biddy, my advice is usually not to talk to the other side's solicitor and don't give them a copy of your statment until you are in the hearing. If you get to court early you can ask the usher to give your statement to the judge before the hearing.

 

Ring the court and check if there are any CAB or legal reps there on Wednesday.

 

Any luck with a letter from work about your increased hours?

 

Ell-enn

Help us to keep on helping

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

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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i rang the boss again and he said he would do one,the only downside now is that he also said that his boss had been in and is ruling that out of the three jobs one has got to be part time and it will probably be me, as i was the last one in,but he is definately doing a letter.

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i rang the boss again and he said he would do one,the only downside now is that he also said that his boss had been in and is ruling that out of the three jobs one has got to be part time and it will probably be me, as i was the last one in,but he is definately doing a letter.

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hi ell-enn,sorry to bother you but any lucky with the statement,paid another £30 off today,person wanted to speak about what i had said in the appeal and what my proposals were for payments.rang back to speak to him but he was supposed to be busy they said he would ring back but he hasn't,also rang their solicitor but they haven't rang back either.found out that the payments actually go to CROWN MORTGAGE MANAGEMENT LTD,WHICH WE DIDN'T KNOW.

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hi ell-enn,sorry to bother you but any lucky with the statement,paid another £30 off today,person wanted to speak about what i had said in the appeal and what my proposals were for payments.rang back to speak to him but he was supposed to be busy they said he would ring back but he hasn't,also rang their solicitor but they haven't rang back either.found out that the payments actually go to CROWN MORTGAGE MANAGEMENT LTD,WHICH WE DIDN'T KNOW.

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Hi there, affixed is the budget sheet in .pdf format.

 

I am in the middle of writing your statement for court - can you confirm you have (or can get by tomorrow) the following:

 

Receipts for the last two payments (internet banking statement or statement from ATM)

 

Copy of the standing order you have set up (again internet banking?)

 

Paperwork showing your loans finish in 3 months (original agreements?)

 

Copy of your letter to Wave

 

Estate Agent's details

 

 

Ell-enn

 

I need to know if you have all of the above before I can complete the statement.

 

Kind Regards

 

Ell-enn

Help us to keep on helping

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

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Hi there, affixed is the budget sheet in .pdf format.

 

I am in the middle of writing your statement for court - can you confirm you have (or can get by tomorrow) the following:

 

Receipts for the last two payments (internet banking statement or statement from ATM)

 

Copy of the standing order you have set up (again internet banking?)

 

Paperwork showing your loans finish in 3 months (original agreements?)

 

Copy of your letter to Wave

 

Estate Agent's details

 

 

Ell-enn

 

I need to know if you have all of the above before I can complete the statement.

 

Kind Regards

 

Ell-enn

Help us to keep on helping

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

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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By the way - who is named as the claimant on the eviction notice?

 

Ell

Help us to keep on helping

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

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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