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    • 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
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Where the hell do I start?


leilani
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Hi Leilani,

 

Whilst you can reclaim Barclaycard's charges because they are unlawful penalties, this is no longer possible with a current a/c after the OFT Test Case ruled that the bank charges were not unlawful.

 

I think you should now go to the FOS on the basis that you were experiencing financial hardship when the bank levied their charges, which were taken from your benefits income.

 

You will need to demonstrate that this hardship covered a period from whatever date initially up to the present (if this is the case).

 

:)

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How would I demonstrate it?

 

I am self employed, I do have accounts however they are so bad for the past few years because of the "recession" and my illness as a result I have benefits for the roof over my head only, any other income has been from selling what I have to cover bills.

 

Any suggestions as to what kind of documents would I need to provide?

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Fill in a budget Planner that you'll find linked in the Hardship Claim letter that's in the Bank Templates forum.

 

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  • 2 weeks later...

Have found the budget planner works or excel version but links doesn't work. Just takes you to another page with a list of sites.

 

Anyone know where I can down load this file?

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hi leilani

 

i've just had a quick look over yr barclays problem and couple suggestions:-

 

have you done a SAR request on them? it maybe worth doing it as they have to send you all the info they hold on you and . . .

 

know its a stab in the dark (but believe me its not that unbelieveable) but if they did not send you a o/d confirmation letter within 5 days of yr last o/d increase - they are in breach of the CCA and as such the debt is unenforceable. worth a go i'd say. good luck honey. and beleive me when i say its worth a try because i know people who work there and how lapse they can be in this. also, if it was a joint acc - the letter had to be addressed to both parties and linked under both names on their Pc - once again - this rarely happens.

 

do a sar request and then you will see for yourself. GOOD LUCK! X:p

:cheer2: Pretty Princess Charlie :cheer2:

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Hi Leilani,

 

This should open the CAG budget Planner for you - http://www.consumerforums.com/attachments/117_Hardship%20Spreadsheet(2).xls

 

Please confirm if it opens ok. :)

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  • 4 weeks later...

Question - Is it illegal to have a recorded message on a mobile informing the person who is ringing i.e. BC, mercers or calders (passed to them now) that their number has been logged for harassing of a debt?

 

I am so tired, ill and haven't managed to submit court action against bc, I can't take the daily calls they are stressing me out so much that I am becoming extremely ill. I found an application for my phone called advanced call manager which I can put all the numbers that call and dedicate a particular message too.

 

Would appreciate any knowledge that would help me...

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Hi Leilani,

 

Answer - No !! It's not illegal. You can do this if you want, to avoid taking their endless calls on your mobile.

 

You can also record their calls if you want.

 

Also, remember the Trucall device mentioned in post #15 on the 1st page of this thread which can deal with any calls to your home number.

 

Try and stay strong so you can deal with the matter of reclaiming charges. The FOS may take a long time to deal with the case, so it's best that you start any action as soon as you can manage.

 

In fact, you may find it cathartic to take the initiative and pursue those who are currently pursuing you. Take back some control and turn the tables on them.

 

Most importantly, remember the DCA's have no power or authority. Try not to let them wear you down.

 

:cool:

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Excellent!

 

I am passed their 8 weeks does that make a difference?

 

I will be doing it but I have to go to my sister who is much more used to dealing with forms. I need support unfortunately and yes it will be good to get it over with before my body conks out...the forms are stressing me so much I am have to tablets everyday to stop me combusting from the inside out!

 

Thank You Slick : )

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Excellent!

 

I am passed their 8 weeks does that make a difference?

 

I will be doing it but I have to go to my sister who is much more used to dealing with forms. I need support unfortunately and yes it will be good to get it over with before my body conks out...the forms are stressing me so much I am have to tablets everyday to stop me combusting from the inside out!

 

Thank You Slick : )

 

Re the 8 weeks, are you saying you've already made the complaint to the FOS and are waiting for them to come back to you.

 

:confused:

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HI Leilani,

 

Don't worry that you're passed the 8 weeks Barclays said they'd keep the complaint file open.

 

Get on to the FOS as soon as you can. Don't get upset or angry..................... get even !! :mad:

 

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  • 3 weeks later...

Hi Slick...thank you for the words of encouragement, unfortunately the stress has knocked me on my arse these past few weeks, so haven't got any further but I building up momentum. I also now have Creation on my back! I am gonna start another thread for that don't worry! :)

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HI Leilani,

 

I don't think you really need to worry too much about the 8 weeks that Barclays gave you - it just means they've closed their own file on case. You can complain to the FOS when you want and Barclays will just have to re-open the file again. :wink:

 

Of course, the sooner you do it, the better so keep building the momentum. :thumb:

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