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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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      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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Mevsthem vs Halifax cca advice


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From reading default notice and letter i recived yesterday am i right in thinking that they have not allowed enough time for the default notice as its only the 29th october today. The letter I have just recieved must have been posted on the 26th at least, thats if they used first class post. Surely they are at fault

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From reading default notice and letter i recived yesterday am i right in thinking that they have not allowed enough time for the default notice as its only the 29th october today. The letter I have just recieved must have been posted on the 26th at least, thats if they used first class post. Surely they are at fault

 

dont think they are defective in service - even if they did send it second class

 

now is the right time to send a SAR

 

i would (personally) write a short letter (sent proof of posting) acknowledging their letter of XXXX and noting that you accept that the account is now terminated.

 

 

use these exact words underlined

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Hi, diddy I sent for a Sar a while ago and all i recieved was statements and nothing else. No agreements or applications just statements. Should I do this again ?

I am just about to send the letter 42man has posted do you think this is advisable ?

 

Many thanks for your advice

b

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Hi, diddy I sent for a Sar a while ago and all i recieved was statements and nothing else. No agreements or applications just statements. Should I do this again ?

I am just about to send the letter 42man has posted do you think this is advisable ?

 

Many thanks for your advice

b

 

i know its after the event but IMO SAR before they have dn and terminted are usually a waste of time

 

i would send another asking for information from the time the last one went up to and up to date

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Many Thanks Diddy will send another SAR off tommorow. Thanks for all replies, just off to do my last shift at work before being finished. Only thing im my favour now is that I may be eligable for a hardship case in reclaiming my £1800 worth of bank charges, what a year !

Many thanks again

b

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  • 4 weeks later...

Good Afternoon all, Just a quick update. Sent the letter 42Man advised and had no reply to it. Now I have had a few letters from a company called Albion collections basically saying you owe xxxx amount and to pay it immediatley otherwise legal action will be taken and a debt collector may visit my home. I spoke to them on the phone the other day and told them the account was in dispute and that I have lost my job so they are basically getting nothing. They even had cheek to ask if a family member would pay it. Im just wondering if I should send them some kind of letter, or should i just leave it. Many thanks for everyones help

regards

b

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Ok thanks for that info, Truecall to be ordered this week will not speak with them ever again,

Thanks much appreciated

 

one neat trick with truecall is that if you do have a converstion with anyone, and half way through the converstion you think it would have been a good idea to recored it- you just hit the red button and it records all of the call, right back to the start of the call

 

neat or what!

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Hi, recieved 2 letters yesterday regarding my gold account. One from the halifax and one from Albion. Could anyone please advise what would be a suitable reply as I really dont want anyone visiting my home. Also I have posted the cca reply to jog peoples memory.

Many thanks in advance

b

 

http://i386.photobucket.com/albums/oo308/faulty500/goldnov2009.jpg

 

http://i386.photobucket.com/albums/oo308/faulty500/albiongoldnov.jpg

 

http://i386.photobucket.com/albums/oo308/faulty500/agreement1-1.jpg

 

http://i386.photobucket.com/albums/oo308/faulty500/agreement2-1.jpg

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  • 2 weeks later...
Have to disagree as they will call but it's pretty harmless.

 

Apolagies I didnt make myself clear before although they can come to your house they have no legal powers except the power to be told to "Sod off my property". What I meant was its just another way to try and get you to talk to the Halifax so they can try and scare some money out of you (that you allegedly owe them ;))

"I am no Solicitor but deal with REAL hard case lawyers everyday, this gives me the strength to deal with the lightweight idiots that are thrown at me everyday by DCAS :D"

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