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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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    • 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 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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
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Apex Credit have bought card debt from EGG


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Melbel,

 

This is the relevant legislation regarding online signatures which came into force on 31 December 2004. Don't believe that there is a need for you to physically sign if you applied online after this date and confimed acceptance.

 

The Consumer Credit Act 1974 (Electronic Communications) Order 2004

 

Using your current address is interesting insofar as the address should be the one that was current at the time of your application. However, following the recent Manchester cases and OFT draft guidance, my understanding is that the creditor can recreate this agreement from relevant sources. Hence, providing it has the relevant address listed somewhere then it can just use this and send you another copy with the correct address inserted.

 

Unless someone has any better advice, I would be inclined to write back and tell them that the account remains in dispute as the agreement they sent is clearly not yours, but don't explain why!!

 

PS You need to look to see if the term credit limit is present and also if there are any cancellation terms which are generally the problems with older Egg agreements...if my memory serves me right!!

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

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Yours is the same as mine (now with apex too), it would appear to be unenforceable due to no mention of credit limit (this has been discussed many times on this forum).

 

Ive just got another letter from apex this morning, ive ignored them so far so now they are (trying) to be threatening, aaww..bless 'em,it just waffles on about orders of court and bailiffs, its all bollox. They seem to think that they can get 'an order of the court' out of thin air or something.

 

Andy

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Yours is the same as mine (now with apex too), it would appear to be unenforceable due to no mention of credit limit (this has been discussed many times on this forum).

 

Ive just got another letter from apex this morning, ive ignored them so far so now they are (trying) to be threatening, aaww..bless 'em,it just waffles on about orders of court and bailiffs, its all bollox. They seem to think that they can get 'an order of the court' out of thin air or something.

 

Andy

 

Awww...and here was me thinking that I was getting special treatment Andy!! ;)

 

Had same letter myself this morning and have also ignored them to date.

 

I actually have my 2000 agreement and know that it states limits/approved limit. There is also some issue regarding not correctly specifying the rate for cash advances correctly, which I'll need to check on PT's thread and also no cancellation rights being included OR an agreement to sharing data with CRA's...although this is referred to in the enclosed terms.

 

Will probably write to them next week as they are getting on my nerves with the daily phone calls. As the notice of assignment came from Apex and not directly from Egg and going to challenge this as another Cagger has done. I also want to know if Egg has terminated the agreement or if Apex are merely collecting on their behalf. Am sure when I checked out Apex's consumer credit licence they weren't able to run live agreements.

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

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Awww...and here was me thinking that I was getting special treatment Andy!! ;)

 

Had same letter myself this morning and have also ignored them to date.

 

I actually have my 2000 agreement and know that it states limits/approved limit. There is also some issue regarding not correctly specifying the rate for cash advances correctly, which I'll need to check on PT's thread and also no cancellation rights being included OR an agreement to sharing data with CRA's...although this is referred to in the enclosed terms.

 

Will probably write to them next week as they are getting on my nerves with the daily phone calls. As the notice of assignment came from Apex and not directly from Egg and going to challenge this as another Cagger has done. I also want to know if Egg has terminated the agreement or if Apex are merely collecting on their behalf. Am sure when I checked out Apex's consumer credit licence they weren't able to run live agreements.

 

 

 

OOhh..i got them to stop calling ;)

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Hiya andy and welshmam. Thanks for replying.

 

Did you two apply online with egg too?

 

Not had anything else from them as yet - i might just send them the 'in dispute' letter or keep an eye on what others here are doing and do the same

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Hiya andy and welshmam. Thanks for replying.

 

Did you two apply online with egg too?

 

Not had anything else from them as yet - i might just send them the 'in dispute' letter or keep an eye on what others here are doing and do the same

 

No Mel...my agreement is from 2000 and although Egg were one of the first internet/online banks you had to apply for the card on the phone. An agreement was then sent in the post for signing.

 

I haven't bothered replying to Apex at all yet but will have to get around to it sometime!

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

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  • 3 weeks later...

:mad: They have written back with a statement of account and demanding i contact their office as a matter of urgeny!! this is dated 26 feb

 

I have today recived another letter dated 1 march moaning i havent contacted them etc etc, call now to discuss payment etc etc..

 

The letters are only 3 days apart!!!! Thats really annoyed me!! any ideas on what i could send back and also what do i do about my agreement ??

 

is it enforcable? if not - how do i tell them?

 

thanks in advance

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:mad: They have written back with a statement of account and demanding i contact their office as a matter of urgeny!! this is dated 26 feb

 

I have today recived another letter dated 1 march moaning i havent contacted them etc etc, call now to discuss payment etc etc..

 

The letters are only 3 days apart!!!! Thats really annoyed me!! any ideas on what i could send back and also what do i do about my agreement ??

 

is it enforcable? if not - how do i tell them?

 

thanks in advance

 

Hi Mel, i have exactly the same letters....3 days apart too :-) Makes you feel real special.....I have complained to The ombudsman about them, and sent them something similar to this http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/246638-egg-cca-enforcable.html#post2777891

 

with of course bits added and removed. As of yet had no reply, but keep an eye on this thread too http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/249132-egg-apex-ombudsman.html

 

I am going thru the same process as you....I did not default with EGG after the agreed reduced payments, so unsure why Apex would be assigned debt?

I am seeing this all the way to court if need be!!! Keep us updated 8-)

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Hi Melbel & everyone,

 

I am in exactly the same position as you, having received the same two letters dated 26th Feb & 1st March.

 

The CCA they sent me at the end of January also contained my current address (where I have only lived for the last 6 months) and not the address I lived at when the card was taken out in 2001.

 

Apex have my mobile phone number, but surprisingly I haven't received any calls from them recently, only these letters.

 

I am undecided whether to send off an "in dispute" letter now or just leave it a while and see what they do next.

 

Hangus.

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Hi all

 

Hangus, i had a call this morning too which really peed me off. I have drafted a letter to send them - could somebody have a look and tell me if it is ok. Its as follows...

 

''Thank you for recently supplying me with a copy credit agreement for my Egg card. Unfortunately you have provided me with a copy agreement tha i do not recognise to be mine and which does not comply with s61(1) of the CCA 1974 regulations.

 

- There is no credit Limit

- There are no cancellation terms

- My address is not on the agreement

- There were no Terms & Conditions signed for upon inception.

 

Also, you wrote to me on 26 February 2010 and 1 March 2010, both times demanding payment. This is unacceptable, these letters are THREE days apart and this constitues harrassment.

 

I also do not wish to receive calls from your offices, i demand you remove my number from your database and contact me by post only.

 

This account is in dispute until relevant socumentation can be provided.''

 

I just want to check that was ok and that id got my facts straight regarding my bulletpoints

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ok.. i tweaked that letter a little, added some bits and pieces i have picked up from around CAG and am sending it tonight. I am in two minds though whether to mention where the agreement has flaws..

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ok.. i tweaked that letter a little, added some bits and pieces i have picked up from around CAG and am sending it tonight. I am in two minds though whether to mention where the agreement has flaws..

 

My inclination is not to show your hand Mel until/unless you really have to and to keep the letter vague at first. What I'm trying to do is to stretch the correspondence process out until we know the outcome of PT's case in Cardiff as this should hopefully give us all an idea of where we stand legally with these Egg agreements.

 

One other point that PT mentioned was to check out is whether or not you could only pay by direct debit as this may be considered an unfair term. I know it's in my t&c's but your agreement is much later. This would be another defect to add to your list if and when you disclose the information.

 

Best of luck with this!! ;)

 

PS...they will inevitably come back and tell you that their lawyers say that the agreements are enforceable. What we all have to remember is that Egg (Apex) have a lot riding on this and are highly unlikely to say otherwise!!

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

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Hi again Melbel,

 

I spoke too soon about not receiving any phone calls from Apex!

 

Got a call on my mobile at 8:01 this morning from a number 01789 775841. I didn't recognise it so I didn't answer. Then I Googled the number and found out it was them. They have been trying to call me again this afternoon.

 

This has now made my mind up about sending off an "in dispute" letter - I will get that sent off at the weekend.

 

I agree with what WelshMam2009 is saying. I wont state what I think the flaws are, and hopefully this will delay things a bit longer.

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Hangus

 

I had a call this morning at 08.00 hahah, they must have tried me, had no joy and decided to hunt you down :D.. They also tried me at 6pm last night..

 

Well, i sent that letter off, they should have it today - if i get anymore calls i will answer and bo****k them..

 

no doubt i will be back soon with an update...

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Righto welshmam - thanks for the heads up - i didnt point the flaws out in the end, i will wait and see what they come back with.

 

I'll have a look later when i am home and check the direct debit thing too.

 

speak soon

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Hi all.

 

I havnt responded to any of the Egg/Apex letters and they have slowly become more frequent and threatening in tone, building up to the usual big red font, threatening court action and going into some detail about CCJ's and bailiffs, they talk like they had already started (and won) legal action !

 

Anyway I ignored them and the 10 day limit to respond and was curious to see where they would go from there, the answer ?....well..nowhere really..ha..I've just received a very lame letter informing me that my account may be deemed suitable for a 'doorstep' collector to visit..pathetic !. What happened to all the court action ?!

 

So it would seem that Apex are another in a long line of DCA's who are all talk.

 

I very much doubt anyone will turn up here but he'll quickly be told to bog off, I 'spose I could send the 'withdraw permission to visit' letter to them but ignoring them seems to work so far.

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Hi all.

 

I havnt responded to any of the Egg/Apex letters and they have slowly become more frequent and threatening in tone, building up to the usual big red font, threatening court action and going into some detail about CCJ's and bailiffs, they talk like they had already started (and won) legal action !

 

Anyway I ignored them and the 10 day limit to respond and was curious to see where they would go from there, the answer ?....well..nowhere really..ha..I've just received a very lame letter informing me that my account may be deemed suitable for a 'doorstep' collector to visit..pathetic !. What happened to all the court action ?!

 

So it would seem that Apex are another in a long line of DCA's who are all talk.

 

I very much doubt anyone will turn up here but he'll quickly be told to bog off, I 'spose I could send the 'withdraw permission to visit' letter to them but ignoring them seems to work so far.

 

That made me laugh Andy!! Did they also give you the name of your personal representative who would be dealing with your case in the legal section?!! Anyway, if they've got any sense they will await the outcome of PT's case which unfortunately, has been put back until 4th June but will establish a precedent for these agreements.

 

I did eventually respond telling them not to darken my door but only because I have children and don't want them upset. Haven't heard from them since but hey, if they want to waste money litigating when the outcome of PT's case is unknown, then so so be it!! :p

 

PS...how did you get them to stop ringing if you haven't contacted them? Or do you have TrueCall??

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

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Morning all..

 

The telephone calls stopped on Monday i think it was so it looks like they have my letter.

 

I will let you know if i receive any more correspondence from them - I'm bound to :)

 

Keep you posted.....

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Anyway I ignored them and the 10 day limit to respond and was curious to see where they would go from there, the answer ?....well..nowhere really..ha..I've just received a very lame letter informing me that my account may be deemed suitable for a 'doorstep' collector to visit..pathetic !. What happened to all the court action ?!

 

So it would seem that Apex are another in a long line of DCA's who are all talk.

 

lol Andy...Postie's arrived with the exact same letter for me also!!!! :-D

 

Sorry Mel for hijacking your thread...but think it's useful for Caggers to know what comes next!! ;)

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

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