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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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Please read and comment on letters to and from Welcome Finance


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Letters sent -

As yet I have received no reply to the letter below and so I will send it again -

By Recorded Delivery on the 18th of September 2009

By Recorded Delivery on the 18th of August 2009

 

Dear sir/madam

I purchased in connection with the loan referenced above Payment Protection Insurance (PPI) .

I believe that I was miss-sold this policy for the reason(s) given below and request you investigate my complaint in accordance with the Financial Services Authority (FSA) Regulations .

Despite it being explicitly required under the rules of the FSA - at no time did Welcome Finance ask about existing insurance cover .

Welcome were at the time well aware that I am a mortgage holder and as a condition of mortgage I must remain insured against every possible eventuality , it seems reasonable that while acting as an insurance broker Welcome Finance should have questioned the need for PPI of their own accord thus preventing the sale of an entirely unsuitable insurance.

At no time was it explained to me that the insurances were optional and I accepted them assuming that obtaining the loan relied on my acceptance .

At no time did Welcome Finance explain to me the amount of interest that is payable on the premium as is required under disclosure rules .

At no time did Welcome Finance explain or bring attention to the exclusions and limitations of the policy .

It follows that I was unable to make an informed decision regarding the PPI as a direct result of Welcome Finance failing to act within the rules explicitly required by the FSA .

I trust you will uphold my complaint and so refund all premiums paid including both statutory and compound interests and compensation in the prescribed manner within an acceptable timescale .

(1 of 2)

(1 of 2)

Please note ;

Though I would expect the loan agreement to be restructured to take into account these changes but any attempt rewrite the loan agreement will only convince me that I should look to resolve the matter either through the Courts or the Financial Ombudsman .

Also I am advised as I dealt solely with Welcome Finance while purchasing PPI that Welcome take responsibility for any third parties involved .

 

Welcomes Reply -

I write further to your letter dated 21 August 2009

Having reviewed our records . it appears that we have not recieved the questionnaire requested in our original correspondence .

As explained in our original letter , we are not yet in a position to accept your complaint, until the questionnaire has been completed and returned to us at the above address. Upon receipt of the aforementioned correspondence, i will investigate the matter thoroughly and issue a final response within the regulatory timescales allowed.

Please note that if the questionnaire is not returned within the next four-week period, Welcome Financial Services Ltd (WFSL) shall close your complaint file .

Signed Ian Brocklesby .

 

My response not yet sent and i'd be happy to accept any suggestions or corrections . -

 

By Recorded Delivery on the 25th of September 2009

Dear Sirs

Thank you for acknowledging my letter of complaint with your letter dated the 21st of September 2009 a copy of which is enclosed .

Please note the questionnaire you describe was never received at this address and therefore cannot be returned . In that regard I can only suggest that you make enquiries with the Post Office . However as it is highly unlikely a questionnaire of any kind might alter the basis of my complaint or invalidate it . Therefore I must accept your letter as nothing more than a delaying tactic and thus further evidence of Welcome Finances contempt for the ethics codes and rules of good business practice . I am advised that if Welcome should close my complaint on such contemptible grounds it is reasonable to state that I have exhausted Welcome’s own complaints procedure .

This allows me to seek the assistance of the Courts or the Ombudsman .

As your letter states a reply must be received within four weeks if the complaint is to stay open I must insist on your reply to this letter within 21 days assuring that my original complaint will remain open and will be dealt with accordingly .

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Hi,

 

I've had the questionnaire and am trying to work out whether I need to complete it or not. As you say it does not alter what you are claiming for and I am wondering whether it is a delaying tactic or an attempt to draw you in to shooting yourself in the foot with your responses to their questions? I was thinking they figure that everyone is just sending template letters and don't really know what they are doing, so getting people to respond in this way could result in them writing something that would invalidate their claim through ignorance?

 

Any further information / suggestions would be most welcome (no pun intended) as I'm not sure what to do.

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Thanks andie 303 , i have decided to send all letters by recorded delivery and each time i do i will include copies of all previous letters , i hope by doing this it will become obvious , even to welcome , as the pile gets heavier that i am compiling evidence for a lawyer to look at .

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Thanks very much Andie 303. I've been sitting on this questionnaire for a couple of weeks trying to figure out what to do next.

 

Thanks also minus-millions, I hadn't thought of sending previous copies of correspondence all the time but will do.

 

I can't believe that despite being warned about being obstructive Welcome continue to be just that!

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