Jump to content


  • Tweets

  • Posts

    • its not a good thing or a bad thing its ongoing. mines gone the same route. these new notifications are equally meaningless.
    • 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)
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 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
      • 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
  • Recommended Topics

Do you dread the postman?


beetzart
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5303 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

I am overcome with anxiety during the morning worrying what post I have got. It's not too bad if my wife is home as she can tell me what it is but if she goes out I have to grin and bear it, worrying all day. This is when I am work. I sometimes think up marvellous excuses to go home and check the post without telling people the real reason. When I know there is no 'nasty' post I am so relieved and can finally relax for the afternoon.

 

The trouble is it can become a complete obsession for the last two, three years. I have even asked the postman, on a earlier part of his round, if there is any post for my address because I couldn't wait for him to get to my road.

 

Sometimes the post comes at 1200 ish but recently has been earlier, which is good. Oh how I wish post got delivered at 7am.

 

My life is obsessed by the post. Please, there must be others out there just like me.

 

Cheers

Link to post
Share on other sites

No, do I heck. In fact and I swear this is the truth, me and the missus both wait eagerly for the postman in the hope he has brought some more drivvle written by a DCA computer.

 

Its all quite sad when the likes of Cabot or Wescott fail to grace my doormat with an envolope of DCA delights.

So I guess im totally the opposite, I get rather excited when I or the missus gets debt collection letters mainly because im all excited to see what new punishment they have in store or if its yet another final demand.

Edited by ashmk
Link to post
Share on other sites

I know what it can be like to fear what the post brings, but try not to worry to much as this is exactly how a dca want you to be as has been proved time and again with the help of sites like this you can quicly leave the bullys chasing there tails and pleading for pennies(or getting nothing).

Link to post
Share on other sites

Not in the slightest!

 

Since I CAG'd those friendly debt collectors in June last year, I've had about 3 or 4 letters since ... any letter is replied to with a "bemused" letter and I keep full records of dates and correspondence :)

When you've had all the help you need, make sure you stick around to help others too!

Just think, if everyone left the site after they'd got their help, there might not be anyone left the next time YOU come back needing more assistance!!!!!!!

Link to post
Share on other sites

love the postman calling all those birthday cards / invitations / travel tickets for exspensive holidays/ xmas cards then dca drival i just read it then decide how to pi** them off ,makes my day more enjoyable,remember once your on here your in very good caggers hands,

enjoy life keep smiling.:D:D:D:D:D:D and don,t forget keep:D:D:D:D:D:D

Link to post
Share on other sites

Got to say this place has made me dread the postman far much less than I used to when I first came here with hassle from wescot as since then i've managed to be prepared and calm and any DCA I've had hassle with since March 2009 have very quickly been eliminated out of my life (even if uncle wescot came back to visit me during september, it was a very short reunion) ;) and likely I'll have Moorcroft after me soon via vodafone but they will also be told to go bye bye ;)

Link to post
Share on other sites

Been there Beetzart, I use to dread the post on my way own from work, I even use to open the dca letters like some bomb disposal guy, with one eye closed,and at arms length, then I found CAG, the help and info here turned the tables in my favour, now I see it as a poker game, so I just call there bluff, and wait for the next hand to be played.

 

This tactic worked, at the start it was pay up or we send the boys round,

now its if you pay up now and we will knock off 60%, so from threats to begging in a few months.

"Always ask for a CCA, Simples".

Link to post
Share on other sites

Everyone who came here was afraid of the postie at one time. Thats how most of us ended up here.

 

I have got IDENTICAL letters off loads of DCAs threatening all sorts of nastiness. Im still here and the DCAs have mostly crawled back under their stones.

 

DCA letters are all designed to intimidate and bully you into ringing their telephone threat monkeys so they can bully and intimidate you even more. At the end of the day most DCAs have not got the paperwork needed to succesfully take you to Court.

 

They rely on peoples fear and ignorance to get away with their shocking and mostly illegal behaviour.

 

Help is always available here. No matter what threats or nasty letters you get from the DCA Pondlife you can rest assured that a CAGGER has already received and dealt with it before

Link to post
Share on other sites

Just remember that DCAs are Just loan sharks who managed to get a Consumer credit licence and actually never lend you any money !!! I look forward to the post, but as others on here I receive very few threats from DCAs anymore :(

The Grand essentials of happiness are: something to do, something to love, and something to hope for.

Link to post
Share on other sites

It's taken four years, but I've nearly got over the postman thing now. I say nearly because just occasionally I'll still get that awful sinking feeling every time the letter box rattles (even if it's yet another take away menu!).

It was a truly horrendous way to live, and I don't know whether I'm lucky that I'm at home all day so get to the post fairly quickly, or unlucky because at one point it didn't actually make any difference if I didn't get any threats - I would just immediately start worrying about what would turn up the next day. Either way, it's just constant anxiety which is not good for you.

 

As a positive suggestion, try to imagine what would be the worst possible letter that could come through your door - from bailiffs? a statutory demand or even an actual bankruptcy petition? court papers? Now imagine how you would deal with that letter, and imagine all the support you would get on here to do it.

 

Yes, it's scary, but what's the worst that could happen? You will not lose your liberty, you will not lose your family or your friends. They are the most important things and stuff is just that - stuff. It was when I realised that that I started to get better.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

Link to post
Share on other sites

beetzart, been there, done that. I was at my lowest ebb, then a letter would come through the door and I was finished for the day. However, I found CAG and started sending off CCA's which helped me. Then I started trawling the threads and realised that everyone had had the same sort of thing through the post, but more than that, a hell of a lot of people had had the exact same letter that I had just scared myself silly with, and apparently they had not exploded in a ball of fire as had been threatened.

 

Once I stopped taking it so personally and realised it was a computer sending me all this toot, it kind of took the fright out of it.

 

I'd just about managed to stop worrying about it and dealing with it on a day to day basis when a notice of intended prosecution dropped through the letterbox. This scared the hell out of me and I came on here for advice, which was to send a request under the Civil Procedure Rules. I did this and it all went quiet. At that point I realised how full of crap these people are - not just the DCA's but the banks too, as they have studiously ignored my questions regarding their lack of response. This was about a year ago.

 

I genuinely don't mind their letters now. At worst it annoys me that the tw*ts haven't read my last letter properly, but it always gives me a chance to practice my letter writing skills and improve my typing speed:D

Time flies like an arrow...

Fruit flies like a banana.

Link to post
Share on other sites

I never really dreaded the postman because I never opened anything... kept it all in a cupboard. I never answered the phone, and never listened to any messages being left. I guess it was head in the sand although I always felt it would come crashing down on me eventually. Since having found CAG I now look forward to the post, enjoy answering the phone and have the strength to deal with it all.

Link to post
Share on other sites

I do really sympathise with this. I have been there ... to some extent I still am. However, CAG has been a great support and I am now turning the tables. It does make you feel a lot better when you start to take control.

 

Having said that, I do know from previous non-debt related problems how scary the post can become. If it is really starting to have an impact on your life then have a word with your GP ... they can be really helpful when things are starting to get you down. Whilst not a great advocate of getting medication to help, if you need it then there is nothing to be ashamed of. It certainly helped me when I was very low.

 

Good luck.

Link to post
Share on other sites

I never really dreaded the postman because I never opened anything... kept it all in a cupboard. I never answered the phone, and never listened to any messages being left. I guess it was head in the sand although I always felt it would come crashing down on me eventually. Since having found CAG I now look forward to the post, enjoy answering the phone and have the strength to deal with it all.

 

 

Exactly the same for me

Eyes opened and back in control of my life thanks to this site x

Link to post
Share on other sites

I used to hate the postman coming. I lived with parents and hated the thought that people were going to turn up at my parents house and start taking things (which I believed would happen at the time later to find out it was a load of tosh). I once had a calling card off a DCA saying they were coming to see me at my home on 25th December. Imagine the panic of that thinking they were gonna turn up on the door at my parents house on Xmas day. I lost weight (went down to 9 stone, I'm a skinny lad anyway so being skinnier didnt help) and could never sleep. I then found the power of the internet and googled the DCA. Amazingly CAG came out on top and I had a snoop round there and asked question in which i got helpful and lifesaving answers from fellow CAGGER's. Now I'm up to 13 and a half stone, sleep soundly at night and have bombed off around 6 DCA's. I love getting letters off them now (which are few and far between unfortunately) as I know its all empty threats and I know how to handle them and kick them where it hurts.

It may seem bleak at the moment but trust me, use the advice you get off here and you will find life just gets easier and easier :D

<----------- If I have helped in any way please click on my scales :p

Link to post
Share on other sites

Mine wasnt so much the postman, i had visions of people being out side watching and waiting for me to leave my home and for 2 weeks i didnt leave home at all while i was on holiday from work, then i found this site and its getting easier and some days i'm fine, all this from an SD, i feel so silly now.

Link to post
Share on other sites

This is exactly how DCAs have operated for years and years. They could threaten whatever they liked and Jo Public had no way of knowing it was all a load of bovine excrement. Then along came the internet and forums like these and suddenly we all have power. I predict that, along with the credit crunch thing, sites like this will be the cause of a lot of 'restructuring' in the debt collection industry. My only regret is all the people out there still hiding letters in the cupboard and being frightened to go out because they haven't found us yet.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

Link to post
Share on other sites

This is exactly how DCAs have operated for years and years. They could threaten whatever they liked and Jo Public had no way of knowing it was all a load of bovine excrement. Then along came the internet and forums like these and suddenly we all have power. I predict that, along with the credit crunch thing, sites like this will be the cause of a lot of 'restructuring' in the debt collection industry. My only regret is all the people out there still hiding letters in the cupboard and being frightened to go out because they haven't found us yet.

 

I have helped alot of people locally to me because I am forever ranting about parking tickets and DCA's on Facebook. You mention things like that on there and your friends start asking questions because like most people they have been bulied and intimidated by DCA etc. Even my bestfriend came to me when i posted about DCA's and the help from CAG. I didnt even know he had them kind of problems. He is now a happier man and has no DCA's after him. I point EVERYONE here as like me it helps them out of what seem like awful situations

 

Feel free to add me on facebook also. PM me and I will give you my facebook address thingy :cool:. Only have 1 CAGGER a a friend and that is Dave (1 of the founders for CAG :))

<----------- If I have helped in any way please click on my scales :p

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...