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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
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GE Money - Laura Ashley Storecard into Credit Card


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Hi all, apologies if anyone's raised this issue before but I've had a look and can't find anything.

 

I'll be sending of some CCA requests tomorrow, and one of them is to GE Money. I originally took out a Laura Ashley storecard in 2001 when my girlfriend (now wife) worked for them. Never had any problems with it, always made the payments etc.

 

A couple of years ago (can't remember when!) they wrote to me saying that all the storecards were being exchanged for a normal credit card, which I now have. I can't remember if this was optional or not.

 

I can't remember if I signed a new credit agreement or not. I'm just wondering if they maybe did this because they realised there was some massive omission in the original agreements that rendered them unenforcable, and by issuing a different type of card possibly requiring a new agreement and after the magic date in 2007 they could get round this.

 

I also have a Monsoon store card, but they've never offered to turn it into a normal credit card.

 

Probably would make more sense to wait until/if the CCA requests bears any fruit...

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  • 2 weeks later...

I worked for Laura Ashley too. The new cards were brought out as an optional thing, and you could either have the credit card (mastercard) or if you wanted to keep the original storecard you had to let them know. If you didn't do anything, you would have automatically received the mastercard. S I don't think you would have signed anything for the mastercard - your only signature would have been when you first signed up in store.

 

Also, Laura Ashley card is now owned by santander.

If I have been helpful in any way, please tip my scales :lol:

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Hi, I received my copy agreement from GE this morning - within 12 days as well! I have scanned and uploaded the agreement here. Any comments would be gratefully received!

 

It's definitely my signature on the form, so they haven't photoshopped it...as it happens I now use a simpler signature. It looks to me like the agreement unfortunately is completely correct so I don't have much room to wriggle.

 

However, I did notice that the form doesn't specify the credit limit as such, in the section at the top it says credit value and later in the small print near the signature box that the credit limit will be determined and notified to me from time to time. The other thing is that the APR for non-direct debit payments is 30.7%... I seem to recall that anything over 30% could be considered extortionate and is therefore unlawful, but I'm not totally sure where I remember that from.

 

Thanks in advance guys!

img006.jpg

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  • 2 weeks later...

Have looked at this again over the weekend and realised that there's loads of stuff missing from it - default charges for one, and some other stuff too. Presumably this document is really just the application form and they haven't sent the actual agreement.

 

I'm proposing to send them a letter in a few days stating that this document does not contain the required information and that therefore the account is disputed etc. Does this sound like an OK plan?

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I'm afraid that I think that is a credit agreement. You sign it AFTER the account is accepted over the phone, and I think all the prescribed terms are on it.

Also - you need to delete the card number at the top of the form - the 'ID ref no' is the card they used as ID when you applied for the account.

If I have been helpful in any way, please tip my scales :lol:

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  • 4 months later...

Hi,

Ive been looking through the forum this weekend, & hopefully can shed some light on your problem.

GE "Upgraded" storecards, mine was a Debenhams card. M&S were also doing it, basically to get you to spend more money.

 

The thing is,GE got a major bollocking off the OFT in 2004. & yet your card was issued 2007.

(The Office of Fair Trading: Clearer store card conversion for consumers).

 

So, to comply with the OFT, there MUST be an agreement.

If they try & use the agreement for the storecard to enforce the debt, they are in effect admitting that they have breached the OFT's ruling, 3 years after it was made. Catch 22 for GE.

 

Also take a look.

HELP Court Papers from M&S

Store Cards - Moneyextra.com guides

 

Debs

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