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    • Shein has been linked to unethical business practices, including forced labour allegations.View the full article
    • 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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    • 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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Payplan & Excel Counselling Services/LTSB


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Hi there,

 

I have made an arrangement with Payplan to manage my debts as I suffer from anxiety and depression, therefore, not able to cope on my own. I have only been with Payplan for a couple of months, my third payment to this will be at the end of this month and I know it can take time for them to finalise agreements with my creditors.

 

LTSB have been calling me several times a day for the past couple of months. I have never told them that it is me they are talking to but have said I was not home as Payplan advised me not to talk to them over the telephone and is it much easier for me to say I'm out rather than get into a discussion which I may not be able to handle.

 

On Thursday I received the following letter:

Excel Letter 1 picture by SkyeL23 - Photobucket

 

The very next day, Friday, I received this letter which was not post marked so I know it was not posted but hand delivered:

Excel Letter 2 picture by SkyeL23 - Photobucket

 

I am now very frightened that they will continue to come to my door and may catch me in, or worse, may catch my daughter in who will probably agree to anything they ask as she would be too scared to say no.

 

Payplan cannot do anything about this it seems, so I'm wondering if there is much point in me continuing with this arrangement if I am going to have to deal with these people on my own anyway.

 

Also, living in Scotland, I believe I cannot legally stop them from coming to my door each and every day, so would appreciate any advise I get on how to deal with these people, bearing in mind my mental health state is not good.

 

Many thanks for any help/advice you can offer.

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I am more or less in a similar situation. I suffer from anxiety and panic attacks as well and from depression, and I had been implanted with a pacemaker last september. I have debts and a big part of those are bank charges both on personnel(LLyodTSB) and BARCLAYS business account. due to those problems, I have open other accounts. I have allowed Disability living allowance from june of last year when I went on income support due to my health problems. Recently I launched my activity as a freelance photojournalist, so now I am on tax credits. As the amount of my debts is about 6000£ and being on income support I was advised to go to Drumpchapel Law and Money Advice center in Glasgow, there are many of those in Glasgow. I was told there that I had nothing to fear. At first I used to have a debt collector from Provident (being new in the country I had no credit history) so although I started at the begining of last year with a good business plan, no bank would lend me money or authorised overdraft to help me start work (I even got a grant for having a very good business plan) so I had no other choice than the loan shark.

The Law and Money Advice Center took my file, and their sollicitor wrote to all my "lenders".

If you have such panics dealing with those issue I would advise you to go visit a CPN in one of the NHS center, and visit your doctor for advice and maybe medication as well as doing a therapy. Anxiety and depression don't help to deal with money issues. I would advise you to register on this site:Living Life to the Full which is supported by the NHS as well as other people. It had helped me a lot, as well as getting the right medication. If possible don't go in bankrupt as this may have a huge impact on your life.The money advice people would help freeze your debts, and the process would help you breathe for several month. You will still receve letters, put them in a file, don't even read them if that makes you anxious and bring them to your adviser. Then after several month you will be able to find how you may realistticaly pay back each month, if one month you cannot pay the full amount try to make a phone call and if possible pay a small amount: this will show you are doing your best. if you wish support, send me a private message or post here.

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you can send send them this and keep a copy as well and if anyone does come to your door you can hand them this as well,

 

Dear Eejits

I refer to your recent correspondence.

I note it is your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you.

There is only an implied license under Scots Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc. Therefore take note that I revoke license under Common Law for you, or your representatives, to visit me at my property and if you attempt to send such a collector to my home, you will also be reported for harassment and I shall seek damages for a delict of trespass. You would also be liable for conspiring in a delict of trespass by acting in defiance of my instructions and sending someone to visit me nevertheless. Should it be necessary, I will obtain an interdict from the Court to prevent you carrying out your threat.

 

ida x

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Also, living in Scotland, I believe I cannot legally stop them from coming to my door each and every day, so would appreciate any advise I get on how to deal with these people, bearing in mind my mental health state is not good.

 

Many thanks for any help/advice you can offer.

 

Ida is correct: you can revoke their right to visit you under Scots Law!

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I thought you could?

 

It's relevant to Trespass:-

 

'Certain types of trespass have been criminal since the Trespass (Scotland) Act 1865 was passed, an Act no-one has ever heard of. Section 3 makes it an offence for any person to lodge in any premises, or occupy or encamp on any land, being private property, without the consent of the owner or legal occupier. Admittedly this section envisages a degree of permanency which will not be present in every situation of trespass.'

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thats for permancey there is no law of tresspass in scotland

 

 

ida x

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Agreed for the PERMANANCY, but there has to be a boundary where that 'permanency' becomes tresspas, and I think that once there is a precedence, the Law would be amended to our benefit. I would contest uninvited visits and appearances on my property and would contest that in court , up here.

 

If enough of us stand up about it?

 

The Law is there to protect us; if we send enough examples before the court I am confident that description of premanency would be amended.

 

Goodness sake, if we've got this far..................

Edited by FlyboyAgain
addditions; punctuation
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yeah it stinks but most companies dca's etc don't know the difference anyway and most only say they will visit to scare you

 

idax

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