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

I Won! Against Rbos


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hostie,

 

where did you address all of your correspondence to? I haven't gotten a peep out of the bank yet.. prelim and lba to branch, follow up email to tommy clean. Still not a word?

Congratulations! how much was your claim for?

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Hostie,

 

well done! Have you talked to the Press yet? RBS seem to be losing all over the place at the mo, and Cobbetts their Solicitors must be grateful of the free money!!:D

 

Westable,

 

they will drag their feet, they don't want to give you the money (your money) back and will try to make you give up due to time wasting and legal 'intimidation'. Don't worry, it will happen, if you want read thread by Stacymason, Davidhannam, Tomba90 and mine, we are all at the stage where RBS/Cobbetts have filed a defence but the history all reads very similar. Hostie appears to have struck it lucky, but don't give up hope. I'm claiming £2859 plus interest and costs and I started out with the DPA letter in mid-Apr, it will be more than worth the wait. Also, if you think your case is bad, read Blueruby's and you'd better believe it!:cool:

 

BC:p

Big Col:p

RBS LBA 20/06/06. WON - 21/10/06

MBNA(1)-Start-20/06/06, Claim-£250, 15/8 - Winner!!

MBNA Virgin(2)-Start-20/06/06, Claim £100, 15/8 - Winner!!

BoS MCard Data Protection Act Sent 20/06/06 - WON 16/10/06

Green On!

If the post/advice helps, pse click on the scales!! :cool:

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Missm,

 

most of us have addressed our correspondence to our Branches. Most send it recorded delivery or hand deliver to make sure it gets there and get a record/receipt of delivery. You may want to call your Branch and just make sure they have recieved your letters, they may claim to have no record, in which case, unless you can prove that the letter got there, you'll have to start again and go down the rec del/hand del route. I posted and faxed my letters, following the fax up with a call to check they recieved it (noting time, date and RBS employee's name). Sorry if this is bad news, but it needs to be done. Mr Tommy will probably go down the line of it is a Branch problem to begin with and deny knowledge (next email, send it with delivery/read receipt requests on outlook).

 

I would advocate calling your Branch straight away, if they have no record of your letter, get their fax number and fax them a copy of your 1st letter (prob DPA Request?) and explain the situation, they may start by ordering your statements for you which for 6 years will take a week or so, they should waive the £10 fee also, if not ask them to do so as a show of goodwill! Don't forget to keep pleasant at all times, they are only employees and not the corporate crooks we seek to disavow!

 

Best of Luck, keep in touch with your own thread (if you haven't already)

 

BC:)

Big Col:p

RBS LBA 20/06/06. WON - 21/10/06

MBNA(1)-Start-20/06/06, Claim-£250, 15/8 - Winner!!

MBNA Virgin(2)-Start-20/06/06, Claim £100, 15/8 - Winner!!

BoS MCard Data Protection Act Sent 20/06/06 - WON 16/10/06

Green On!

If the post/advice helps, pse click on the scales!! :cool:

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Hostie, could you just tell me if in your claim they paid the contractual rate of interest or just the normal 8%. The reason I ask is because I am currently claiming against their card division the contractual rate of 24% - they have come back with the usual garbage about t & C's but have offered to pay the charges back only. Having been polite enough to put a personal telephone number on the letter I telephoned to see how far they would negotiate and I was told " You are the first to ask for the interest and nobody has been paid the interest so I'll have to go and speak to Legal dept."

 

Strange I thought! I have told them I want all the interest and that if I don't get it at the contractual rate then I'll see them in court - please themselves as I have 50,000 people coming to support me ( if theres room in the court! ). She's gone off to ask...

 

I presume you've got your interest though haven't you?

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Hello all,

 

Just to answer a few of your questions:

 

I directed all my pre-court correspondence to my branch in Scotland. I sent it recorded delivery and my branch were kind enough to telephone me and leave messages letting me know the progress of each letter. So from that point of view I can say that the RBS at least at branch level, have been good. The branch had to send each of my letters to head office and await a response from them.

 

When it came to the court stage I used the English online court system (Moneyclaim) as I live in England. In order to use this system you need to have an English address for the bank so after a few postings on here trying to clarify the correct English address for the bank and a telephone call to direct banking to confirm it, I submitted a claim against the English address. Since then my correspondence has been from them and I will therefore write back to them (1 Princes Street London EC2R 8PB).

 

My claim was for less than £700. I specifically tried to keep it to the charges that I knew they couldn't defend in court. i.e. I only claimed for charges they made for things that they had not paid - cheques, direct debits etc. I did not include the charges for going over my overdraft as these were only £10 each and I felt the bank might be able to defend them as, if I went over my overdraft, essentially they were covering the money. Another reason for keeping my amount low was that I didn't know if it would go through the English or the Scottish court system and I believe that to qualify for the small claims court in Scotland (and therefore not have to cover the other parties costs if you lose) the amount has to be less than £750.

 

With regards to the interest I definately didn't get 24%

I might have got the 8%, but, and this will REALLY make you laugh, I can't find the cheque they sent me !!!:) :) :p so at the moment I can't check this for you. If you really need to know how much interest I was paid I will try to work it out for you.

 

I think I did get the 8% but I think that I worked it out in a way that benefitted the banks. I just worked out 8% of the amount I was claiming and added this onto my claim amount. I'm not very good at sums and suspect that I could have squeezed more out of them.

 

Sorry to rant on but I thought these details might help you. I'm afraid I won't be posting the exact figures even when I find that cheque as I suspect that some of you are spies for the RBS (I know I am the eternal conspiracy theorist!) and don't want to make it TOO easy for people 'on the inside' to be able to work out who I am!!!

 

Good luck everyone. If I can be of any help let me know.

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BC,

 

I didnt need to do the DP step as my account has only been open for 2 years I have all my hard copy statments (kind of relieved there as that seems to be the most painful step waiting game-wise :-)

Both letters (Prelim and LBA) were sent recorded delivery. :) which i stated in my email to Mr. Mclean.

So just being ignored I guess :(

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