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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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Can someone take a look please


unluckyone
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Hi, CCA'd welcome via Howard Cohen, and received letter from welcome headed Subject Access Request. I haven't done a DSAR yet. Anyway, they've sent me the current agreement, No T&C's, but they've also sent me a statement. It was signed at their offices.

I've read quite a bit on welscum, but can't find the answer.

 

Is this agreement enforceable?

 

http://i890.photobucket.com/albums/ac105/skipjack360/welcome%20album/welcomestatement3.jpg

 

http://i890.photobucket.com/albums/ac105/skipjack360/welcome%20album/welcomestatement2.jpg

 

http://i890.photobucket.com/albums/ac105/skipjack360/welcome%20album/welcomestatement1-1.jpg

 

http://i890.photobucket.com/albums/ac105/skipjack360/welcome%20album/welcomeagreement.jpg

 

Many thanks

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The £1 lewis payment was Howard Cohen creditting the account with the CCA request money! It has been reversed though to be fair.

I just need someone to look at it as welscum loans seem to be different to everybody else's. i.e signed for at their office, so no cancellation period, fixed sum loan, consolidation of an existing loan etc etc

The agreement seems to be a standard personal loan agreement that I've seen elsewhere on the site. I suppose the next step is to DSAR them and see what they give me, although I don't hold out much hope of getting the previous agreement that was made before this. I've read some of the other threads and they don't send everything that they should.

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urm

fleecing you badas usual

 

all the telephone fees can be reclaimed

 

and you also need to get the agreement or post it up

 

any PPI?

 

and dont forget that consolidation

 

interest on interest, fees on fees, and PPI on PPI everything charged twice at two interest rates

bet you didnt get anything back!

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi DX, what they sent me was the agreement, number four on the photobucket, the one that says welcomeagreement in the url. Are you telling me that this means nothing? I'd love it if that's all they got. All I need is someone to tell me its unenforceable and why, then I can rest easy..

Many thanks

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silly me

 

welcome agreements are always wrong in one way or another....

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Is this agreement the refinance one????

Apply for the original loan copy. IF that has insurances etc on it then the refinance one could be unenforceable.

A refinanced agreement I believe must contain all the information stated on the original agreement....So if insurances were on the original and not on the rewrite/refinance they become hidden charges..

We may require clarification on this by another cagger

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Is this agreement the refinance one????

Apply for the original loan copy. IF that has insurances etc on it then the refinance one could be unenforceable.

A refinanced agreement I believe must contain all the information stated on the original agreement....So if insurances were on the original and not on the rewrite/refinance they become hidden charges..

We may require clarification on this by another cagger

 

I would be interested in this point myself!

 

I have my own thread (Me and Welcome Finance (long) ) where I had PPI on the original loan but not on the refinanced one.

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sorry what do you mean

ofcourse it is hidden

thats the game they play

the also hide their charges that way too.

 

i bet you had several letter fees and more stuff

that gets rolled over into the refinanced loan. int on int!!

 

 

unles you get a FULL SAR you will never know

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I would be interested in this point myself!

 

I have my own thread (Me and Welcome Finance (long) ) where I had PPI on the original loan but not on the refinanced one.

 

If you didn`t get a Rebate of some kind for early settlement due to the Re write then ALL figures on the Re Written Agreement are Wrong!!! ;-)

 

Cheers, MARK

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So basically I need to do a DSAR to welcome in order to get all the information from them. Should I specifically ask for the previous agreement? I've read on the forum that they won't normally send a closed agreement as it's not current. But I know that it should be included in the subject request as it contains data to do with me.

 

What do you think??

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on an SAR they MUST send evrything they have about you.

 

CCA is a diff matter, ifthe A/C is closed , the agreement is finished so they dont have to comply to it.

 

look at the top stickis of the PPI forum and fire off the full SAR for PPI one.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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