Jump to content


  • Tweets

  • Posts

    • 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. 
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

A&l rip off ***WON***


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6442 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I have my bank statements dating back to 2001:) and decided to add up the charges which to my astonishment came to £1701 am now angry:mad: but do i just send a letter demanding my money back and are a&L good at paying up.

blueeyes

Link to post
Share on other sites

You really need to read the FAQ's, here

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

Also use the templates in the library here,

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

 

And follow the step by step instructions. They can be found here.

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/243-step-step-instructions.html

 

All the banks will pay up, it's either that or expose the charges for what they really are - and none of them want to do that.

 

Follow the methods on this website and you can recover your charges.

 

Ask anything if you are unsure.

iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

Link to post
Share on other sites

Thanks for advice will hopefully be starting on the road to recovery.

 

Don't want to sound thick but is the schedual the actual dates each time the bank has charged you or for what its charged you eg. dd on such a date paid item charge ect. thanks

blueeyes

Link to post
Share on other sites

Yup. There is a spreadsheet in the bank templates library that can help you do a schedule of charges. Keep reading the FAQ's.:)

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

Thanks caro sorry i havnt replied but still trying to get use to things. one more thing as im itching to get started. on my early statements the od charge was for £10 am i claiming for these or just for when they started being for £25 sorry i just want to get things right.

blueeyes

Link to post
Share on other sites

Thanks caro sorry i havnt replied but still trying to get use to things. one more thing as im itching to get started. on my early statements the od charge was for £10 am i claiming for these or just for when they started being for £25 sorry i just want to get things right.

 

I think you can claim for whatever the charges were when you want to start claiming. My mum and dad are claiming back 6 years from the B of S, and at the start it was only (ha) £15 for going overdrawn.

A+L - £950 settled in full.

 

Bank of Scotland - MCOL filed 9 Jan for £1500

 

Bank of Scotland (for parents) - £5000 settled in full October 06

 

Bank of Scotland (mum's account) £1900 settled in full November 06

 

Intelligent Finance: DPA non compliance sent 26 Jan

Link to post
Share on other sites

I think you can claim for whatever the charges were when you want to start claiming. My mum and dad are claiming back 6 years from the B of S, and at the start it was only (ha) £15 for going overdrawn.

Absolutely right.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

Well iv done more reading in the last 10 days than i can remember and just when i think iv got it, i come across another thread and it sends me back to the start.

I have one spreadsheet but on the monthly overdraft charge do i put the date it actually gets took out the bank or the dates its for. I know on the interest it says use the second of the two dates, is it the same.

Also when you get a refund do you minus it so the totals right, and am i right in thinking if youve got 2 charges for the same day you just add them together. think i might just leave the interest.

 

thankyou all for your time and understanding.

blueeyes

Link to post
Share on other sites

The date to use for the interest is the date it is taken from your account. Put all refunds and the dates they were given as well to keep it accurate. If you haven't sent your letter and spreadsheet I hope this helps.

 

Advice does change from time to time as we learn more about what can safely be claimed, but hopefully the time taken reading and learning will pay off in the end.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

Hiya blueyes

 

You DO NOT claim interest until you come to do your Moneyclaim.

In your letters to the bank, you are claiming for charges only so do not worry, you are doing the right thing xx

You are correct Villaburd24 that you do not claim the 8% sections 69 interest until the moneyclaim stage, but you can claim the interest that you have paid on charges if they have caused you to be overdrawn. Alternatively, some people are now claiming interest at the rate that they would have been charged interest by the bank (reciprocal). See thread below plus many others on the subject.

http://www.consumeractiongroup.co.uk/forum/general/7252-new-way-looking-interest.html?highlight=reciprocal

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

Blue eyes don't worry about the standard letter guff that they send out. A & L are the easiest in my experience. See my thread claiming my brother's charges in the A & L forum. Just follow the steps in the FAQ and you will definitely get your money. A & L have a publicly stated policy to repay all claims. They will also close your account after they pay you so make sure you have made alternative arrangements.

 

It will go like this:

 

Prem letter -

we are investigating -

LBA -

Sod off -

Issue claim -

Acknowledgement of service filed -

they will pay in full -

they will at the same time say "as you don't agree to the T&Cs of your account we will be contactring you to discuss its future operation" -

they will then write to you giving notice to close the account.

 

Go get them :)

Link to post
Share on other sites

Thanks Rbrears I was a bit nervous :| but after they stopped me getting my wages for 24 hrs :mad: i now can't wait for them to get their just desserts.:D I have now changed banks so it won't happen again.

blueeyes

Link to post
Share on other sites

as regards A&L closing accounts, id like to see if they try that after you tell them in 'your Letter Before Action that any attempt to defame or disadvantage you as a result of you exercising your legal rights will result in further legal action.' as per Mr.Angrys advice in my post here. http://www.consumeractiongroup.co.uk/forum/alliance-leicester/20188-bettynomates-alliance-leicester.html#post198434

 

the fact is im not even started on the road as yet so it will be a while until im even at the LBA stage, but it would seem right that thay are indeed placing themselves in a serious position if your willing to go the whole way with this?.

 

might someone have a link to these A&L statments of closer and other related text ?.

 

if you do place Mr.A's or something amounting to it in your LBA anytime soon and get a result from it, id be most greatful to know the outcome of it please, any thoughts to make everyones cases stronger also welcome.

Link to post
Share on other sites

I can't see how they can be stopped from closing the account. The terms and conditions of all current acounts that I have read are clear in that the account can be closed by either party at any time for any or no reason.

 

I don't think the disadvantage/defamation/discrimination issues are a runner at all, to be honest.

Link to post
Share on other sites

i think this has relevance to the end users

 

interestingly i was reading another thread and the topic of the banking code was mentioned, so i went looking and found this pdf bulitin from july 28th 2006

http://www.bankingcode.org.uk/bulletins/Bulletin%2021%2027%20Jul%2006%20PDF%20FINAL.pdf

 

people should have a read, i tryed to find an easy way to snap it out and past it in full here but couldnt.

 

perhaps someone could hand type it up on add below?.

 

now while this banking code isnt a legal thing, id assume that A&L and indeed most if not all the main banks have signed up to this code and so are duty bound to uphold this code?.

Link to post
Share on other sites

They should not take retaliatory action. See link to BankFodders thread on this if you are interested, but personally I couldn't close my account fast enough. http://www.consumeractiongroup.co.uk/forum/general/14893-fsa-position-account-closures.html?highlight=retaliatory

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

Yes and yes.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...