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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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Citi Financial & PPI Claim


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Gullible,

 

You need to send them a SAR, which is available from the link below..

 

The Consumer Forums - Bank charges templates (consumer)

 

As you can see my claim is up in the air at the minute, Ive "partially accepted" the £388.64 they have sent me but am going for the remainder.

 

Id also advise you to start a Fresh thread, this way you can keep track of your claim and its easier to reference back too so others on this "Wonderful" forum can help :-)

 

Good Luck and keep on at them. Its YOUR Money!

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Are you using the CAG PPI XLS calculator to work this out, it is really straightforward. As for Citi, watch them, they take everything to the final point, and then roll over. I had to write to Vikram Pandit in the USA before they acknowledged my complaint, its been through FOS who found them guilty, still negotiating direct, and they have stalled. I am trying to now enforce with a court order. Who are you dealing with? All major stuff now goes through Derby

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Are you using the CAG PPI XLS calculator to work this out, it is really straightforward. As for Citi, watch them, they take everything to the final point, and then roll over. I had to write to Vikram Pandit in the USA before they acknowledged my complaint, its been through FOS who found them guilty, still negotiating direct, and they have stalled. I am trying to now enforce with a court order. Who are you dealing with? All major stuff now goes through Derby

 

officejet,

 

Yeh Ive used the PPI Calculator, but I must be doing something wrong?! Its coming up with figures at about £7.5K, but obviously as I have only made 5 payments before the loan was settled am thinking that the calculator has based the figures on the PPI being paid off over the 3 year term of the loan.

 

I know for a fact I paid approx 5 payments of the loan and "over" £3500 for the settlement (I had a cheque made out to Citi Financial with my re-financing loan for £3500 and had to pay extra on top of this, which was unexpected).

 

I will double check when I get in from work of where I received my £388.64 cheque from.

 

:)

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Gullible,

 

You need to send them a SAR, which is available from the link below..

 

The Consumer Forums - Bank charges templates (consumer)

 

As you can see my claim is up in the air at the minute, Ive "partially accepted" the £388.64 they have sent me but am going for the remainder.

 

Id also advise you to start a Fresh thread, this way you can keep track of your claim and its easier to reference back too so others on this "Wonderful" forum can help :-)

 

Good Luck and keep on at them. Its YOUR Money!

 

Thanx Very Much for this..will get onto it asap x

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Sorry to be a pin..but when I send off the letter I do not remember my account number nor do I have any details left to try and find out what it was. How will they be able to trace my details?? I am such a fool I wish I held on to everything.

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Sorry to be a pin..but when I send off the letter I do not remember my account number nor do I have any details left to try and find out what it was. How will they be able to trace my details?? I am such a fool I wish I held on to everything.

 

Just use your address and name as reference, obviously use the address that was used when the loan was taken out...

 

They may reply back asking for further info, but from an old loan I had all I quoted was my address details and they located the details I requested.

 

Get stuck then let us know, Im sure we can offer the help you need.... but again, start a fresh thread and youll be able to use it for reference etc...

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If you send me your email add , I can email you the spreadsheet, as it looks abit confusing here but I would go for contractual, of £927.43 +£18,599

Loan Details (From agreement) Actual Costs (Over full term of loan)

Loan Amount £3,500.00 Total True Cost £7,893.00

PPI Premium £927.43 (A ) Total Interest £7,893.00

Total Loan Annual Int.% 40.56

Apr% 51.7 Annual PPI Int. £376.17

Monthly Int.% 3.380 Total PPI Int. £1,128.50

No. of Payments 36

No. of Years 3 Actual Costs (So far)

Monthly Payment £219.25 Monthly PPI Int. £31.35

No. of Months Paid to Date 5

PPI Interest Paid to date £156.74

 

Settlement (If applicable)

Settlement Figure £3,500.00 PPI Kept by Lender £-

Settlement PPI Rebate £927.43 >>>

Actual Settlement £4,427.43 What should be refund£927.43

 

Statutory Contractual

Total Paid £1,052.83 £1,052.83

Total Interest £468.10 £17,546.31

Total Refund Required £1,520.93 OR £18,599.14

 

Date Calculated: 14/01/10

Statutory Interest (Simple)

In Respect of: Date Incurred Amount Days since Charge Interest Rate Applied (APR) Interest on Payments Made Total Owed

PPI Premium – Loan No. 1 20/06/04 £927.43 2034 8.00% £413.46 £1,340.89

PPI Premium Interest – Loan No. 1 - Month 1 20/06/04 £31.35 2034 8.00% £13.98 £45.33

PPI Premium Interest – Loan No. 1 - Month 2 20/07/04 £31.35 2004 8.00% £13.77 £45.12

PPI Premium Interest – Loan No. 1 - Month 3 20/08/04 £31.35 1973 8.00% £13.56 £44.91

PPI Premium Interest – Loan No. 1 - Month 4 20/09/04 £31.35 1942 8.00% £13.34 £44.69

£1,052.83 £468.10 £1,520.93

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well done

should of used that last night!

 

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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Date Calculated: 14/01/10

Statutory Interest (Simple)

In Respect of: Date Incurred Amount Days since Charge Interest Rate Applied (APR) Interest on Payments Made Total Owed

PPI Premium – Loan No. 1 20/06/04 £927.43 2034 8.00% £413.46 £1,340.89

PPI Premium Interest – Loan No. 1 - Month 1 20/06/04 £31.35 2034 8.00% £13.98 £45.33

PPI Premium Interest – Loan No. 1 - Month 2 20/07/04 £31.35 2004 8.00% £13.77 £45.12

PPI Premium Interest – Loan No. 1 - Month 3 20/08/04 £31.35 1973 8.00% £13.56 £44.91

PPI Premium Interest – Loan No. 1 - Month 4 20/09/04 £31.35 1942 8.00% £13.34 £44.69

£1,052.83 £468.10 £1,520.93

 

This is the bit that is throwing it off I think (highlighted in RED), obviously this states that a payment was made on the 20th June 2004 of £927.43 whereas only the 4 payments were made on the PPI (4 x £31.35, plus any outstanding was paid via the settlement).

 

:confused:

 

Im confused :lol:

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me thinks you need to re-jig your reclaim sheet !

told you you'ed been screwed!

 

dx

  • Haha 1

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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dx100uk,

 

Yup looks like it.... Ive still no idea what I can claim for though, Ive filled out the details as before but its still coming back with a figure of £18K+ (contractual interest) so....

 

I gave them 8 weeks from my initial letter which was posted 28th Nov, so the time is ticking good and proper.

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  • 3 weeks later...

you dont

leave it blank

 

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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gullible - As dx says leave it blank, just ensure you get it posted recorded to ensure they receive it (mistake Ive made)

 

Well as I heard nothing I thought Id give them a call yesterday to ensure they were in receipt of my declining offer (my mrs in her wisdom just posted it first class "WOMEN!!" ;-) ). They informed me they werent in receipt of my reply and advised me to scan and email them a copy, which I have done and have received 2 "Read Me" replies so....

 

I have also extended their deadline until the 18th Feb which gives them 7 days to respond (have I been too leanient?)

 

So its a case of sitting and waiting again..... Im guessing my LBA is the next step though if they dont come to a comprimise?!?

 

Hope all are well? :)

 

Thank god its "FRIDAY!!"

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dx100uk,

 

Yup looks like it.... Ive still no idea what I can claim for though, Ive filled out the details as before but its still coming back with a figure of £18K+ (contractual interest) so....

 

I gave them 8 weeks from my initial letter which was posted 28th Nov, so the time is ticking good and proper.

 

 

what this £18k figure...not a PPI refund i hope..if so it must be wrong

 

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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dx.... thats what it came back with BUT... thought thats a little bit too much (would be nice though).

 

So I have hit them with a claim of £1340 this is guestimated on payments made and their non refund of the £690 they insist that they paid on Settlement.

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  • 2 weeks later...

Been reading your thread and thought I'd tell you what happened to me. I've found that Citifinancial are absolute sharks!!! I consolidated 2 loans, one of which I had with them originally and alarm bells started to ring when I questioned the payments and she told me that that was inclusive of insurance. When I told her that I didn't want it, she had to go in and alter the forms that she had already filled in (before I arrived) on my behalf, very thoughtful of her!

 

They also neglected to pay off the loan with the other company and I wasn't aware until 2 months later when they started ringing me asking when I was going to make a payment.

I complained to the Ombudsman in October 2008 and I have just received an answer to my complaint and he has asked if I will sign to agree what he has said which I don't in principal but where will my principals get me?

 

Unfortunately I have already been told that Citi 'aren't in a position to deal with this right now' and that they have asked for it to be referred to an ombudsman so basically its a wasted exercise.

One thing that has annoyed me is that unless you can provide absolute proof to the Ombudsman, they seem to side with the Company involved or give them 'the benefit of the doubt'. I was not informed of the PPI, the loan arrangement fee or the extorionate interest rate on the second loan but because Citi 'filled out a checksheet' they've been given the benefit of the doubt. The Ombudsman said that he believes that I would have taken the loan anyway and therefore cannot comment on the interest rate - I felt it was nice of him to speak on my behalf about that but unfortunately he is very wrong.

 

Good Luck but don't give them too much leeway before you go to the Financial Ombudsman.

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Heard absolutely nothing off them.

 

Is it now time for my LBA? :-)

 

they prob wont write back, guestimates are just that.

you are guessiing what they owe you, so they are saying back, guess what, you got it, we won't pay up.

 

you need to hit them with a proper breakdown via a spreadsheet.

 

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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dx100uk.

 

Im obviously at a brick wall then now aren't I?

 

Firstly - I know what my PPI payment was but of course the loan was paid off early so....

 

Secondly - They tell me a rebate was made upon settlement which of course I am again guessing at....

 

Looks like Im gonna walk away with the £358 they paid me and made do.... unless I complain to the FLA? who would probably take it up on my behalf? or am I now past that stage?

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