Jump to content


  • Tweets

  • Posts

    • 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
  • Our picks

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

Money Claim


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6420 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi,

 

I have had over £2300 of charges from the Halifax in over 16 months. Direct Debits and Pending charges. Does anyone know anything about these pending charges? For example I will write a cheque or do a switch transaction. My wages are still coming into my account before they are taken out but they are charging me as pending charges.

 

Are these pending charges legal? Please advise.

 

Thankyou

 

Pete

Link to post
Share on other sites

hi everybody.wrote to my local bank requesting all charges that have been applied to my account over the past six years.told them i would contact the press if they refused.this was before i knew about this great site.they phoned me trying to claim all there charges were legal.then i hit them with the dpa . the assistant manager asked me how much i was claiming for .i told her every charge that they had applied and also a secured loan that i had to clear my bank overdraft because of there charges . shes written to me saying she will contact me shortly .ive sent her the dpa request and a short note saying i will see her in court shortly . will let you know what they decide a.s.a.P THANKS PETER

Link to post
Share on other sites

hi everybody.wrote to my local bank requesting all charges that have been applied to my account over the past six years.told them i would contact the press if they refused.this was before i knew about this great site.they phoned me trying to claim all there charges were legal.then i hit them with the dpa . the assistant manager asked me how much i was claiming for .i told her every charge that they had applied and also a secured loan that i had to clear my bank overdraft because of there charges . shes written to me saying she will contact me shortly .ive sent her the dpa request and a short note saying i will see her in court shortly . will let you know what they decide a.s.a.P THANKS PETER

Link to post
Share on other sites

shes written to me saying she will contact me shortly .ive sent her the dpa request and a short note saying i will see her in court shortly .

 

:lol::lol::lol:

Link to post
Share on other sites

shes written to me saying she will contact me shortly .ive sent her the dpa request and a short note saying i will see her in court shortly .

 

:lol::lol::lol:

Link to post
Share on other sites

Hi,

 

I have had over £2300 of charges from the Halifax in over 16 months. Direct Debits and Pending charges. Does anyone know anything about these pending charges? For example I will write a cheque or do a switch transaction. My wages are still coming into my account before they are taken out but they are charging me as pending charges.

 

Are these pending charges legal? Please advise.

 

Thankyou

 

Pete

 

I don't know why I keep missing your posts. Sorry.

 

Did you find out about "pending charges?"

I don't know without looking at your statements etc to try and see a pattern.

Why don't you just write and ask for an explanation as to what they might be.

We'd like to know too.

Link to post
Share on other sites

Hi,

 

I have had over £2300 of charges from the Halifax in over 16 months. Direct Debits and Pending charges. Does anyone know anything about these pending charges? For example I will write a cheque or do a switch transaction. My wages are still coming into my account before they are taken out but they are charging me as pending charges.

 

Are these pending charges legal? Please advise.

 

Thankyou

 

Pete

 

I don't know why I keep missing your posts. Sorry.

 

Did you find out about "pending charges?"

I don't know without looking at your statements etc to try and see a pattern.

Why don't you just write and ask for an explanation as to what they might be.

We'd like to know too.

Link to post
Share on other sites

hi .ive written for all charges on my account.there explanation about pending charges is . dont write a cheque or do a switch transaction unless you have funds in your account.ive allways done it my way knowing my wages will come into my account before the cheques or the switch transactions but they still charge you regardless.i will try and find out more thanks peter

Link to post
Share on other sites

hi .ive written for all charges on my account.there explanation about pending charges is . dont write a cheque or do a switch transaction unless you have funds in your account.ive allways done it my way knowing my wages will come into my account before the cheques or the switch transactions but they still charge you regardless.i will try and find out more thanks peter

Link to post
Share on other sites

HI

EVERY ONE.PHONED MY LOCAL BRANCH TODAY TO FIND OUT WHAT

WAS GOING ON ABOUT MY DPA REQUEST ABOUT CHARGES ON MY ACCOUNT.

WAS TOLD THE ASSISTANT MANAGERESS WHO WAS DEALING WITH MY REQUEST WAS NOT AT WORK BECAUSE OF AN EMERGENCY.

DECIDED TO CONTACT HEAD OFFICE SPOKE TO NICE LADY SHE WAS SHOCKED AT ALL MY CHARGES .

TOLD HER I HAD SENT IN A DPA REQUEST FOR ALL CHARGES ON MY ACCOUNT AND IF ANY MANUAL CHARGES I WANTED PROOF BECAUSE I INTEND TO TAKE THEM TO COURT .

SHE SAID SHE WOULD LOOK INTO IT AND CONTACT CUSTOMER SERVICES TO SPEED THINGS UP AND WOULD PHONE ME BACK.

TO HER CREDIT SHE DID AND TOLD ME A LETTER WITH THERE ANSWER

WOULD POSTED SHORTLY .I DONT HOLD OUT MUCH HOPE

LET YOU KNOW WHEN I CAN

THANKS PETER

Link to post
Share on other sites

HI

EVERY ONE.PHONED MY LOCAL BRANCH TODAY TO FIND OUT WHAT

WAS GOING ON ABOUT MY DPA REQUEST ABOUT CHARGES ON MY ACCOUNT.

WAS TOLD THE ASSISTANT MANAGERESS WHO WAS DEALING WITH MY REQUEST WAS NOT AT WORK BECAUSE OF AN EMERGENCY.

DECIDED TO CONTACT HEAD OFFICE SPOKE TO NICE LADY SHE WAS SHOCKED AT ALL MY CHARGES .

TOLD HER I HAD SENT IN A DPA REQUEST FOR ALL CHARGES ON MY ACCOUNT AND IF ANY MANUAL CHARGES I WANTED PROOF BECAUSE I INTEND TO TAKE THEM TO COURT .

SHE SAID SHE WOULD LOOK INTO IT AND CONTACT CUSTOMER SERVICES TO SPEED THINGS UP AND WOULD PHONE ME BACK.

TO HER CREDIT SHE DID AND TOLD ME A LETTER WITH THERE ANSWER

WOULD POSTED SHORTLY .I DONT HOLD OUT MUCH HOPE

LET YOU KNOW WHEN I CAN

THANKS PETER

Link to post
Share on other sites

  • 2 weeks later...

Hi.

Every one halifax have just sent me two years worth of statements.

I phoned there customer relations department on01422-333465.

Told them that i didnt ask for statements just a list of all charges on my

account over the last six years .

Also said to them that they had ten days left to comply under dpa.

And then i would be taking court Action against them .She said the halifax have set up a special team to deal with dpa requests and she would

pass on my phone call.

 

Thanks Peter

Link to post
Share on other sites

She said the halifax have set up a special team to deal with dpa requests and she would pass on my phone call.

 

I wonder if that is a recent thing?? :lol::wink: No doubt all the other banks will have to follow soon as more and more people are made aware of the banks practice of unlawful charging

Status:

 

Halifax - DPA sent 03/03/06.

Prelim Letter - Sent 27/03/06 ignored.

LBA sent 10/04/06 - Ignored

Moneyclaim filed - 26.04.06

Acknowledgement received 3rd May. Halifax state they intend to defend.

Halifax Settled in Full - 17 May 2006

 

If you've found this post helpful, I would be grateful if you could click on the 'Scales of Justice' button in the top right corner of this post.

Link to post
Share on other sites

Hi every one.

Decided to look through the statements the halifax sent me just for fun

until my dpa data arrives.Anyway my mistake there is six years worth ive

added it up and they owe 860 pounds .

What i have noticed is all charges they refunded to me in the past are not on the statements i.e a charge then a refund is this legal or are they on

the fiddle.

 

 

Thanks Peter

Link to post
Share on other sites

Very strange that they are not on the statements.

It's nearly the deadline for the DPA so maybe you will have more info soon.

Link to post
Share on other sites

Maybe you intercepted your charges before they hit the statement. It's happened to me. As they charge up to 2 months after the letter, you can often stop them before the statement comes. Result is no record of the charge and no record of the cancellation, which balances out.

 

just a thought!!

Link to post
Share on other sites

Hi the bank have sent me another lot of statements they have suggested this instead of dpa information im getting abit peeved with this .

Im going to issue court proceedings tomorrow. On the statements they have charged me 960 pounds and 300 pounds interest over three years.

What should i sue them for i mean compensation as well please advise i have not got a clue.

 

Also do i put on the forms head office or my local branch. And by the way im running on a overdraft so i will be doing it by cash in the courts just to be safe i hope you understand guys .

 

there letter is to long to put on here but should i use it against them if i have to go to court . Please give me a ball park figure i just want to get started now it does concern me that they really dont want me to see the dpa information

 

Thanks Peter

Link to post
Share on other sites

I'm not too sure where you are on this.

 

You say that you haven't received your DPA repsonse yet you do have statements and you know that you have paid £960 and £300 interest over the last 3 years. What is missing?

Link to post
Share on other sites

Hi they have said i have had 1450 in refunds allready .But this does not take into account this 960 . If i can believe them understand what i am saying just want to put an end to this and get my life back

 

Thanks peter

Link to post
Share on other sites

I think that putting in a claim for compensation as well as your charges and interet will take you nto an area which will be too complicated.

You might not get much anyway.

 

Claim the £960 plus interest but make sure that you can show that this does not include the £1400 odd which they have already paid you.

They might try to say that the £1400 already takes into account the £960

Link to post
Share on other sites

Hi,

 

I have had over £2300 of charges from the Halifax in over 16 months. Direct Debits and Pending charges. Does anyone know anything about these pending charges? For example I will write a cheque or do a switch transaction. My wages are still coming into my account before they are taken out but they are charging me as pending charges.

 

Are these pending charges legal? Please advise.

 

Thankyou

 

Pete

 

I don't know why I keep missing your posts. Sorry.

 

Did you find out about "pending charges?"

I don't know without looking at your statements etc to try and see a pattern.

Why don't you just write and ask for an explanation as to what they might be.

We'd like to know too.

 

Hi I believe pending charges relate to charges which you have incurred since your last statement which you have been notified about but has not yet been taken from your account.

 

I think :?

Link to post
Share on other sites

Hi,

 

I am about to sumbmit my moneyclaim form. However I need some help calculating the interest.

 

I have entered all of my charges into the spreadsheet.

 

The total is £916.00 and the 8% interest is £163.92

making a total of £1079.92.

 

When I make a claim for interest on the moneyclaim site it mentions the daily interest rate aswell. What do I put for this? or how do I work it out?

 

Thanks

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6420 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...