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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
    • stopping payments until a DN arrives does not equal automatic sale to a DCA...if you resume payments after the DN.  
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Can I stop a door step collection


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ok then there seems to have been a small oversite here.

 

Provident and Greenwoods are the same company from what i remember.

 

They are based in the same building and my local greenwoods collector is the same person as my local provi collector. She collects debts for eith company on the same days.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Heres another one posted today.......don't think its anything new for Provident, just seems to have found its way on here in the last few days so they may have just decided to run through their old book to try to earn a few bob :rolleyes:

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/225947-littlewoods-westcott-provident.html

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Provident Are Licenced for

 

debt Collection

 

 

They Trade As Wiseman Debt Collections

EXPRESS DEBT COLLECTING

greenwood debt collection

 

urm..now i wonder if this is actually legal......

door step collector turns up ... says pay me ...you say i cant...they say would you like a loan to pay off this debt......... bit like paying a debt with a credit card...if dca's cant do that..surely they can't sell a doorstep loan???

 

sorry me thinking out loud...

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Can just imagine some fella turning up wearing 2 hats (wiseman/provi) and having a heated conversation with himself about clearing his clients debts by offering an all new and improved loan facility.........oh and, that'd be 2000% interest please :rolleyes:

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Hi fight4myrights, I had a similar letter from Provident yesterday and on the very bottom of the letter in the small print there's an address in Bradford hope this helps Bunaki

 

Thanks for the advice. I'm probably wrong but I was told that the registered address was not for Provident but for a place such as their accountants or book keepers & that any correspondence won't actually reach the collections office.

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Thanks for the advice. I'm probably wrong but I was told that the registered address was not for Provident but for a place such as their accountants or book keepers & that any correspondence won't actually reach the collections office.

 

 

The registered address is good enough in the absense of any other in my opinion.

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Correct consumer dude, their waffle states:

 

Provident Personal Credit Limited. Registered Office: Colonnade, Sunbridge Road, Bradford BD1 2LQ. Registered Number 146091 England. Provident Visa Card is issued by Vanquis Bank Limited. Vanquis Bank can be contacted at its registered office, which is at Colonnade, Sunbridge, Bradford BD1 2LQ. Registered Number 2558509 England. Vanquis Bank Limited is authorised and regulated by the Financial Services Authority.

 

Data Protection Compliance Officer

DPA Officer, Colonnade, Sunbridge Road, Bradford. BD1 2LQ, email us at [email protected]

"Always ask for a CCA, Simples".

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Cash loans from 50 to 500 - Greenwood Personal Credit

 

Read the small print at bottom of page

For those that cant here it is.

 

Copyright © Provident Financial Management Services Ltd 2005. Written credit quotations are available on request. Available to UK residents aged 18* and over (*subject to change). Applications subject to acceptance. Calls may be recorded. Greenwood Personal Credit Limited. Registered Office: Colonnade, Sunbridge Road, Bradford, BD1 2LQ. Registered Number 125150 England. Greenwood Visa Card is issued by Vanquis Bank Limited. Vanquis Bank can be contacted at its registered office, which is at Colonnade, Sunbridge Road, Bradford BD1 2LQ. Registered Number 2558509 England. Vanquis Bank Limited is authorised and regulated by the Financial Services Authority.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Credit Today is an online 'industry' magazine that is disgusting, here is the link to them....

 

Credit Today

 

Their new awards list is up and the next ceremony is in November.

 

It isn't owned by Provident at all....

 

Thanks. Unfortunatly no address is shown anywhere on the letter, only a phone number which I'm going to ignore. I'll print off the Statute Barred letter and address it too Provident Personal Care. I'll ensure the "freindly" door step collector gets a copy.

 

As you all know, Provident must have the legally highest interest charge in Britain. I've just noticed the logo on their letter says....

Credit Today awards 09 5 star winner. Home credit provider of the year...

I presume this must be a competition that is run by their own group of companies.

 

Thanks again for all of your help.

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Well then can u tell me why the agents are the same they collect for both companies and are paid by both companys.

 

The sols, ck edrupt, have said that provident own greenwoods and they are claiming in there small print to be owned by provident?

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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THANK YOU TO EVERY PERSON WHO HAS OFFERED THEIR HELP. I now have something to fight back with.

 

Thanks, for the info & sorry for the late reply and a "BIG" THANK YOU to everyone who has helped me. I suffer with Multiple Sclerosis & I've not been too well over the last few days, hence my late reply, sorry.

 

It seems to me that Provident are a very underhanded company who prey on the people who need the most help. I think a law should be passed to cap interest rates and perhaps have this company investigated. They are commiting legalised robbery in my opinion.

 

Thanks once again, I hope that I can be of help to someone in the future.

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Credit Today is an online 'industry' magazine that is disgusting, here is the link to them....

 

Credit Today

 

Their new awards list is up and the next ceremony is in November.

 

It isn't owned by Provident at all....

 

 

Thanks for showing me this. I've just looked at the online magazine. It is sickening to think that awards can be given to the best debt collector. You can just imagine their smirking faces when they receive their award for destroying peoples lives. Until today, I had no idea that such a magazine or corporation exists. I wonder if anyone has ever informed the newspapers about this, it would make a great story.

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  • 2 weeks later...
Well then can u tell me why the agents are the same they collect for both companies and are paid by both companys.

 

The sols, ck edrupt, have said that provident own greenwoods and they are claiming in there small print to be owned by provident?

Provident bought Greenwoods some time back. Function as seperate co's though. It does cause some confusion.

If my post helped you feel better, click my scales.

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yep i thought that as far back as 2003. We had the same collector for Provident and Greenwoods then.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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May I offer the following:

 

Have the following text fixed next to your front door bell.

 

"The following does NOT apply to invited visitors with appointment, friends, family, neighbours, emergency services, those asking for directions and postman

 

By ringing this bell or knocking on my door you are requesting informal 'bucket of water' service. Which is especially valuable during hot weather. This service is performed in form of a bucket of cold water splashed on you in exchange for 35£. After the service is provided please kindly leave your billing address so that I can send you a bill for this service.

 

By ringing the bell or knocking you accept the above contract.

 

"

 

Have a bucket of water ready, once they knock ask if they are postman or asking for directions or younger than 18. If not, use the bucket of water on them and than ask for billing address.

 

Works well not only with DCA's but also with all the beggars and salesmen.

 

Could be a good income source on streets popular with door to door salesmen and other door to door beggars.

 

;-)

  • Haha 1

--------------------------------------------------

Yorkshire Bank ~1200£ of charges reclaimed many moons ago, settled out of court

HSBC ~350£ of charges reclaimed many moons ago, settled out of court

HSBC ~4000£ flexiloan CCA request sent May 2009, 'sorry, we do not have your CCA' letter received June 2009, AccountInDispute letter sent.

HSBC ~9000£ CC CCA request sent May 2009, no response, AccountInDispute letter sent.

HSBC - preliminary letter for about 300£ of unfair charges plus interest sent May 2009, LBA sent June 2009, N1 POC and Schedule of charges submitted July 2009

Egg - CCA, SAR, "no more calls" letter, DMP offer sent July 2009. Got a DN from Egg - wont say a word on this one until court papers are received.

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It seems to me that Provident are a very underhanded company who prey on the people who need the most help. I think a law should be passed to cap interest rates and perhaps have this company investigated. They are commiting legalised robbery in my opinion.

 

PROVIDENT= DOORSTEP KNOCKERS, OFFER LOANS OR HIGH STREET VOUCHERS, TO PERSONS ON LOW INCOME OR BENEFITS, INTEREST RATES 200%+ THIER PROFITS ARE MADE FROM THE POOR ! LEGALISED ROBBERS INDEED THEY ARE!

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May I offer the following:

 

Have the following text fixed next to your front door bell.

 

"The following does NOT apply to invited visitors with appointment, friends, family, neighbours, emergency services, those asking for directions and postman

 

By ringing this bell or knocking on my door you are requesting informal 'bucket of water' service. Which is especially valuable during hot weather. This service is performed in form of a bucket of cold water splashed on you in exchange for 35£. After the service is provided please kindly leave your billing address so that I can send you a bill for this service.

 

By ringing the bell or knocking you accept the above contract.

 

"

 

Have a bucket of water ready, once they knock ask if they are postman or asking for directions or younger than 18. If not, use the bucket of water on them and than ask for billing address.

 

Works well not only with DCA's but also with all the beggars and salesmen.

 

Could be a good income source on streets popular with door to door salesmen and other door to door beggars.

 

;-)

 

 

Stolen. :D

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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