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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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Circuit Judge Hearing .


MarkOne2
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Hello Everyone - Its tough out there isnt it.As you know i have had for many years battled to hang on to the home where we have lived for 25 years ! Despite paying a lot my situation has dipped again recently and they have got an eviction date for next Tuesday - I am going to try and get it suspended but it may be difficult.At the last hearing it was put in order "no more applications unless approval of circuit judge" - can i still apply in the normal way -NT244 ? Does it cost more ? When i go in later should i tell them ?

Thanks everyone and Best Wishes

MarkOne2

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Hello Again - The mortgage comapny have the first charge -I have a second charge on as well -Should they be notified of any eviction as a matter of protocol ? Just thinking in technicality terms after all they would lose there charge as there would not be any £ left after sale .

Any response (fast)appreciated.

Kindest Regards

MarkOne2

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Hi there, you will need to put in a N244 but when you take it to court, you should show them the last order with the comment about the circuit judge, they should then be able to arrange the hearing with a CJ, although it may be at another court, so be prepared to travel if necessary.

 

Do you need help with the N244 defence?

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Thanks Ellen - You are a real star.Is the cost the same £35 ? - Any comments on other charges on the property or is best to keep quiet if they dont know ?

Thanks

MarkOne2

Will come back on about defence statement as i have over the last year used everything i can i think !

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Im sure all will go ok for you, with Ell-enn on the case your in good hands. Sorry to be nosey but why does it need to be heard by a circuit judge and not a district judge. Just interested in case anyone else may be in this situation. I am due for repo on thursday but hopefully will be able to sort it out in court.

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Hello Everyone - What a day yesterday was !! Before going to file my NT244 i tried again to have a reasonable conversation with lender -all to no avail they said would oppose and oppose !!

So went to court and filed and paid (£35 ) -Thinking i would get listed today - Wrong ! At the last hearing (to suspend) in January the order stated "no further applications to suspend without leave of appeal from a circuit judge" - Enforcement section came back out tosee me and siad you have to pay another £40 here is the form and then we can get you before a circuit judge .Bear in mind eviction is Tuesday @11.45 !!

Anyway filled another form (NT244) QUICKLY realised it needed to say the right things etc paid my money and waited.

After 20 mins please come with me we have a circuit judge free - 6th Floor.

Whilst in the waitng area quickly read signs /posters on how to address the circuit judge etc.Get called in - Court Rise.(BALIFFS OFFICE STAYED IN COURT)

The Circuit judge then read through my application of leave to appeal -Based on still in work and since last suspension we had sadly had a close bereavement (Mother in law) and any monies we had went on costs etc.

Did have evidence of death (certificate).

He listened and summarised and granted leave of appeal and then to my amazement went straight to the application to suspend (no one from other side obviously) - He then granted the suspension .Eviction cancelled for TODAY on same terms as last time .He gave me a good talking to though !!

What a relief and total shock ..

Yesterday came accross a great keaflet and will post up details later.

10x Suspensions now cannot take a lot more !! Hope i can stay afloat - Keep Fighting to save your home.

Regrads and Thanks

MarkOne2

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Well done for being so brave!! I applaud your courage in defending your home on so many occasions and winning!! You must feel so relieved.

 

Again, well done you're a credit to all of us who take on the lenders :)

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Thanks Ell-enn.

I Sunday i fired off some e-mails to the Government .I have had a reply (Preventing Repossessions Strategy Team - did not there was one !) which contained some usefull information.

I am particularly looking into the process of applying to the "Local Authority (ENGLAND) Repossession Emergency Small Interest Free Loans Fund "

When i have more information i will post it up .

It is a relief ...i am not out of woods yet but will battle on.....

Finally the lenders had the last laugh ... when i got home a letter from them stating my mortgages payments havve gone up by £ 23 a month !!!

What a drag.

Keep On evryone - Do Not Give Up.

Regards

MarkOne2

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