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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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Right then here goes TSB


loyalbrummie
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Welcome to the forum loyalbrummie!

 

The 40 days starts when they receive it, and relates to calendar days not working days.

 

Make sure you send your Data Protection Act Subject Access Request by recorded delivery (e.g. 'signed for') or get a signed receipt if you take it in by hand. Also include the maximum £10 statutory payment or give them authorisation to take up to £10 from your account.

 

See also:

FAQ’s:

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

Step-by-step instructions:

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/243-step-step-instructions.html

Bank template letters:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

Spreadsheet with interest:

http://www.consumeractiongroup.co.uk/forum/general/6964-spreadsheet-interest.html?highlight=constructive

I suggest you read as many threads as you can. Be patient, stick with it and you will recover all that has been taken.

Regards,

Bean

Lloyds TSB - 27/11/06 - £6377 paidrest with FOS

 

SETTLED

Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

Citi Cards - 28/12//06 - £220

Monument - 23/1/07 - £889

Barclaycard (Mrs. Bean) - 19/2/07 £376

Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

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My Mrs sent the letter off today with a cheque inside for the £10 , she got proof of posting is that enough ?

If not should i ring the bank tomorrow and ask them if they recieved my letter ?

 

LB:cool:

CAG v dca

 

CAG EVERYTIME .....

KEEP RIGHT ON TILL THE END OF THE ROAD ........

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Yes, phone the bank tomorrow to check that they have received it.

 

I find it is simplest to use 'signed for' which is not guaranteed to arrive the next day but requires their signature and is covered by the Royal Mail's online "Track & Trace". At present it costs £1 for

Regards,

Bean

Lloyds TSB - 27/11/06 - £6377 paidrest with FOS

 

SETTLED

Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

Citi Cards - 28/12//06 - £220

Monument - 23/1/07 - £889

Barclaycard (Mrs. Bean) - 19/2/07 £376

Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

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So il ring them today to see if my letter has arrived , do i have to ask for anyone inparticular , or just ask if they have recieved a letter from myself, what if the receptionist asks what its for do i tell her or tell her to mind her own business ?

 

regards

 

LB

 

40 days and counting

CAG v dca

 

CAG EVERYTIME .....

KEEP RIGHT ON TILL THE END OF THE ROAD ........

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If your Data Protection Act Subject Access Request was addressed to a specific person, ask to speak to that person, if not, then speak to anyone in the department you sent it to.

 

It doesn't matter what the receptionist says, you just want to know if your Data Protection Act Subject Access Request has been received by them and can say that to anyone who asks. As the Act says, you are perfectly entitled to ask for your data, and to require you get it within 40 days of receipt of your request.

 

Don't worry about the "if's". Your claim will very likely follow the same or very similar course to that of those that have already been run (over 1700 settlements in the survey results alone). Do plenty of reading here, you will draw strength from the experience of others. This is your claim, YOU are in control, I suggest you don't let the bank dictate one iota more.

Regards,

Bean

Lloyds TSB - 27/11/06 - £6377 paidrest with FOS

 

SETTLED

Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

Citi Cards - 28/12//06 - £220

Monument - 23/1/07 - £889

Barclaycard (Mrs. Bean) - 19/2/07 £376

Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

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Just spoke to a louise at my branch who says they have recieved my letter , they are sending it onto the copy statement department who will be recieving my letter tomorrow , so thats the first hurdle jumped , time to shift up a gear now , cant wait till im flying over the last hurdle going past colin jackson il be running that fast

 

cheers

 

LB

CAG v dca

 

CAG EVERYTIME .....

KEEP RIGHT ON TILL THE END OF THE ROAD ........

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Well done Linford... er loyalbrummie.

Regards,

Bean

Lloyds TSB - 27/11/06 - £6377 paidrest with FOS

 

SETTLED

Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

Citi Cards - 28/12//06 - £220

Monument - 23/1/07 - £889

Barclaycard (Mrs. Bean) - 19/2/07 £376

Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

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How long does it normally take for them to take the £10 , i would have thought that they would have snapped that up straight away being the greedy buggers that they are !

LB

CAG v dca

 

CAG EVERYTIME .....

KEEP RIGHT ON TILL THE END OF THE ROAD ........

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They may take your £10, they may not.

 

They may take it straight away or presumably at any time during the 40 days, even after they have provided you with your data.

 

In my experience, each of my credit card companies did not bank the £10 cheque I sent them.

 

I sent one Data Protection Act Subject Access Request to LTSB for my current account and my credit card, including authorisation for them to take up to the statutory maximum of £10 from my account. They provided data for my current account at 18 and 20 days (2 parts) after receiving my request. They debited £10 from my current account at about 25 days. They provided data for my credit card at 43 days.

Regards,

Bean

Lloyds TSB - 27/11/06 - £6377 paidrest with FOS

 

SETTLED

Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

Citi Cards - 28/12//06 - £220

Monument - 23/1/07 - £889

Barclaycard (Mrs. Bean) - 19/2/07 £376

Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

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  • 2 weeks later...

hi all , just a quickie , i have not heard anything at all from TSB regarding my statements , would it be worth ringing them again and seeing how far they have got with my case ?

 

cheers

LB

CAG v dca

 

CAG EVERYTIME .....

KEEP RIGHT ON TILL THE END OF THE ROAD ........

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...i have not heard anything at all from TSB regarding my statements , would it be worth ringing them again...

 

Yes

Regards,

Bean

Lloyds TSB - 27/11/06 - £6377 paidrest with FOS

 

SETTLED

Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

Citi Cards - 28/12//06 - £220

Monument - 23/1/07 - £889

Barclaycard (Mrs. Bean) - 19/2/07 £376

Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

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What a surprise they have taken my 10 pound for the S.A.R - (Subject Access Request) , how long does it take after that to start recieving my statements ?...

 

They have 40 days to comply with your Data Protection Act Subject Access Request. The timing of them taking the £10 seems to have no bearing on when your data arrives.

Regards,

Bean

Lloyds TSB - 27/11/06 - £6377 paidrest with FOS

 

SETTLED

Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

Citi Cards - 28/12//06 - £220

Monument - 23/1/07 - £889

Barclaycard (Mrs. Bean) - 19/2/07 £376

Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

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Didnt have to wait too long for the waiting game as the postie delivered my statements today , what a shock to find that they have taken nearly £1200 pounds form me over the years (EDIT barstewards) , now to the next level .!

The o/d interest does that include even when the charhe is for a direct debit or is it just for the o/d excess fee .

 

Thanks for the help guys

 

 

 

**Moderator Note: Edited due to libelous content.

 

Regards

LB

CAG v dca

 

CAG EVERYTIME .....

KEEP RIGHT ON TILL THE END OF THE ROAD ........

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You can claim the O/D interest that was applied on top of just the unlawful charge. It does'nt matter what the charge was for, so yes you can claim it on a D/D charge, but please note that you CANNOT just claim the total monthly overdraft interest - it has to be only the interest that was applied as a direct result of the unlawful charge. There is a spreadsheet to help you with this in the templates library, but it is quite complicated and personally, I don't bother. You are intitled to it back though, so it may be worth giving it a go - its completely up to you.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Send all correspondance here;

 

Martin Orton

Manager

Customer Care,

Lloyds TSB,

125 Colmore Row,

Birmingham

B3 3SF.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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hi

 

I have called Lloyds today and they have given me the following address:

 

Lloyds TSB Customer Care

3rd Floor

Colmore Row

Birmingham

B3 3SF

 

Also I have emailed them at :

[email protected]

they got back to me in 4 hours asking that I also send the letter by email to them, however i will just deal with post for now. Any questions though you may aswell email them there.

Franco;)

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Re: Contact address, point of contact:

 

Technically, you can use any address where Lloyds TSB conduct their business, though presumably a branch or customer services are best prepared to handle your claim.

 

I found it handy to direct all my correspondence via one person in my local branch.

 

There are several advantages to this:

 

- This manager has knowledge of my personal banking history.

 

- Documents can be hand-delivered and signed for over the reception counter as necessary.

 

- There is no duplication or confusion as all correspondence to the bank arrives via him and is then distributed accordingly.

 

- If anything were to go adrift for any reason, I could speak to him and ask him to resolve it.

Regards,

Bean

Lloyds TSB - 27/11/06 - £6377 paidrest with FOS

 

SETTLED

Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

Citi Cards - 28/12//06 - £220

Monument - 23/1/07 - £889

Barclaycard (Mrs. Bean) - 19/2/07 £376

Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

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