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    • 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
    • stopping payments until a DN arrives does not equal automatic sale to a DCA...if you resume payments after the DN.  
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Compton and Woodhouse debt - Paladin now global/Tower Investigations LTD


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Hi all

 

My friend has recieved a letter from this company saying they are collecting £159.95 that has been assigned to them by Compton and Woodhouse.

 

They say she ordered something in April 2006 and she made 3 payments but the remainder is still outstanding.

 

I called them today (recorded of course) to get these details as their letter was very vauge. I asked for a signed agreement and was straight out told there wasn't one as that is not how the company works. They say they are relying on a proof of delivery, I asked if this was signed for in her name they say no.

 

So I asked how they could possibly prove anything at this point the man just said she just needs to pay us.

 

Now there is and has never been a notice of assignment to this company and no default registered however they have said they will register one within 28 days unless payment is made.

 

Any ideas where to go here?

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I would send the OC a sar and demand all info, and while waiting for that snd the DCA a cca request, may as well get it official that there is no agreement

 

looking at comptons website, if they want to send out expensive goods and rely soley on a signed delivery then they are asking for trouble, I mean a teddy is £250 and its not even a stieff

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  • 9 months later...

Well well well - you could be easily fooled by a letter I recieved today if it wasn't for one small thing.......

 

The letter has big titles on it that says

 

TOWER INVESTIGATIONS LTD

PRIVATE INVESTIGATORS

GENEALOGICAL EXPERTS

Ok so you deal with geneology - lots of people are looking up their family tree - me included so could make perfect sense.

 

The letter goes on to read....

 

Dear XXXXXXXXX

 

We act on behalf of a client and are currently conducting as investigation in order to establish/verify information held.

 

In order to help us progress with our enquiry we would greatly appreciate it if you could contact us to confirm a few details. You can do this by contacting freephone 0800 877 8757 or +44 (0) 208 336 7155.

 

All assistance is provided is used discreetly, no information is disclosed to any third party. All help recieved is treated in the strcitest of confidence.

 

_______________________________________________________________

 

Ok so a little out the norm but they are geneology experts aren't they.......

 

So why in the tiny writing at the bottom does it say......

 

Consumer Credit Licence No 565360?????????

 

Hmmmmm suddenly me thinks you are not a geneology expert anymore....more likely you are a DCA masquerading yourself.

 

However I am intrigued to know a) who is it?, I have a documented history with an account with Lowell who know they have no leg to stand on but I'm wondering if this is a latch ditch attempt by them.

b) where I to ring them (which I wouldn't) and confirm my details - they have said they cannot disclose to a third party - so I assume even shouting accross the office to whoever the DCA is would be a breach of DPA??

 

A naughty way of trying to trick people I think!

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Now unless Lowell have sold their crappy no leg to stand on account to Globabl they would have no reason to contact me.

 

Am I right in thinking Global are bottom feeders on linking people with similar names/ dob's etc??

 

Also am I right in thinking that if Tower is registered as a seperate company that they cannot pass any details on to Global without breaching DPA and what they say in their own letter that will not pass information to 3rd parties?

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Now unless Lowell have sold their crappy no leg to stand on account to Globabl they would have no reason to contact me.

 

Am I right in thinking Global are bottom feeders on linking people with similar names/ dob's etc??

 

Also am I right in thinking that if Tower is registered as a seperate company that they cannot pass any details on to Global without breaching DPA and what they say in their own letter that will not pass information to 3rd parties?

 

Even if they were a legit geneology company making a statement like we won't pass your details to any 3rd party makes there whole existence a waste of time as they would never reveal the results of their investigations to anyone even your long lost great aunt who wants to leave you in her will ;)

I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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Even if they were a legit geneology company making a statement like we won't pass your details to any 3rd party makes there whole existence a waste of time as they would never reveal the results of their investigations to anyone even your long lost great aunt who wants to leave you in her will ;)

 

 

Agreed - just a wondering really as a breach of DPA could prove costly...to them....Just musing out loud really.

 

Silly of them to put that statement in their letter really

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  • 3 weeks later...

Well eventually Global have crawled out of the woodwork with their real names this time.

 

Their letter starts with "you have returned correspondance marked adressee unkown which is incorrect"

 

Funny as I didn't return anything - in fact this is the first correspondance I ever had with them and the Tower front letter went in the shredder....

 

Anyway they are now pursuing an account passed to them by Paladin who had written it off as a non starter as no CCA...infact no paperwork at all!

 

Hence the once in a lifetime 75% off offer - errrrr how about 100% off as you have nothing!

 

So they have bought an indispute account...surprise surprise...

 

And they have said "we ask that you contact us immediately whilst you still in a position to have control of entries on to your credit file"

 

So lets start from the beginning again speaking S....L...O.....W....L.....Y and LOUDLY so they understand........

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Thanks Cerebrus - their response was....

 

In order for us to deal with the matters raised in your last communication you will need to telephone us and discuss the details.

Yours sincerely,

Amy James

0208 336 7271

Main Line: 020 8336 7000

Fax: 020 8949 8033

 

Guess you really did mean write in capitals with a crayon!

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Thanks Cerebus - I will be ignoring them now - though I did send a cheeky email with a copy of the above saying that they had obviously misinterpreted my asking for written communication, them obviously thinking writing to me to tell me to call constitutes written correspondance!!

 

Just leave them to it now.

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  • dx100uk changed the title to Compton and Woodhouse Paladin Commercial Credit .
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