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    • 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)
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Sorry vanessa, for some reason I missed your post of the letter on 10 June. I can't read it! Can you use Photobucket or similar so we can see it properly?

 

Then we'll formulate a suitably stinging riposte.

 

Had a git of a day in the High Court today, so I'm in a bit of a strop and want to take it out on somebody... HFO will do nicely!

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Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I'll move out the way then donkey if you've had a bad day......don't want a kick!:p

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Not such a bad day baz as a tiring one. So much prep involved. I only kick DCAs by the way.

 

That letter is pretty disgusting.

 

I also notice they are using the old (new?) chestnut à la Cabot of saying they will only claim for arrears.

 

Is this the new fashion among DCAs and debt buyers? Did you receive a default notice and termination from Welcome? If so, arrears cannot exist.

 

Also, we need to see the Deed of Assignment or Sale Agreement relating to this. If the agreement is pre-31 Jan 2008, then the contract would have been with HFO Capital Cayman, not Ireland, and therefore the debt would belong to HFO Servces. Trust me on that! We can prove it, but it depends on the Deed.

 

Did you ever receive a notice of assignment (NoA) from HFO?

 

So, key questions and actions:

 

Write to Welcome and demand rest of SAR, inc DN, termination notice, NoA and details of exactly who and when the debt was sold to.

 

CCA request to HFO.

 

Complaint to TS and OFT about the letter. Especially OFT, as HFO Service's licence is still under review, and the companies are linked.

 

That'll do for starters.

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hi

thanx will send letter to welcome for rest of sar so can get deed of assignment etc as didnt receive them,have previously sent me an agreement that was barely legible and didnt have right to cancel or terms & conditions etc .Did send another letter stating unenforceable agreement but they didnt reply to this do I need to send them another one ?

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Another thought came to me at 4am...

 

This letter came from Turnbull Rutherford, a solicitor. Although they actually run HFO Services, they are still solicitors and must behave like one.

 

So a complaint to the Solicitors Regulation Authority is in order here too.

 

Who did you send the unenforceable agreement letter to?

 

As they are threatening legal action, I think it's also time to use CPR.

 

Have a look through PT2537's thread here, so you understand why. It's a long read but highly illuminating.

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/241827-legal-action-how-start.html

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hi

just a question I have sent the relevant letters asking for deed of assignment and notice of assignment from welcome and a letter to turnball stating dont acknowledge balance etc. Just wondering how likely is it if this does go to court that hfo will win and I will get a ccj. my defence would be incomplete agreement (no right to cancel or terms and conditions) and the terms that are included arent fully legible ) has anyone actually been sued by hfo and won?

Edited by vanessa82
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Yeah, I'm sure HFO win lots. But when they come up against CAG their success rate is very low. With Broken Arrow, they got a very bloody nose, and certain others are giving them a good kicking.

 

One key to your case is discovering for sure via the SAR if Welcome defaulted and terminated. That would scupper their 'arrears only' claim.

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Just a quick question thinking about asking hfo for a statement of the account to see where the figure theyre asking for comes from, as checked mt credit file yesterday and they updated it last month with a figure that was over 600 pound lower than what theyre asking me for, would this g oagainst me in a defence in court?

thanx

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hi just another quick question do hfo have to send me a deed of assignment and breakdown/statements of interest , or do I have to request them?

thanx

Edited by vanessa82
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  • 2 weeks later...

hi

I received a letter back from welcome , they sent me a default notice which was sent after a missed payment, they also included a statement that showed a write off in august 2005, they havent sent me any details of debt being sold OR termination notice etc they stated as this wasnt part of my customer data so wouldnt be sending me anything else. am I entitled to know who and when sold any debt?

thanx

Edited by vanessa82
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Is there any printouts included in what they sent you ?

 

If they can give you a default notice, why can they not give you a copy of termination notice and yes you are entitled to know when and to who they sold this debt.

 

They have not complied fully with your SAR, I would get back on to them.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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  • 2 weeks later...

hi

just though id update you ,its been 2 weeks since I sent a letter to turnball about the pre litigation letter they sent me and havent heard anything yet.

I did write to the oft as advised ,received a reply last week asking me to fill in a form so they could use my complaint in the future if needed ,then received another letter today asking if they can call me to do a telephone interview for a witness statement which they will type up and get me to sign, this can only be a good thing im guessing

Edited by vanessa82
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  • 1 month later...

Don;'t worry, the fools have either been told to reign in, or they have decided they have met their match..

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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