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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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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hi Guys,

I was a silly boy in my third year as a student and took out a few credit cards which i couldnt pay, and a littlewoods account. But a few months ago i decided to deal with it, rather than not do anything about it. I have blair oliver scott who keep sending me threatening letters for a debt of £630 and some company called capquest who littlewoods(very) have sold their debt to which is another £600. I managed to bring the littlewoods account down to £350 before I couldnt afford to pay anymore. I could get my parents to help me out, but I think I need to deal with this myself to learn from this mistake. I've got a job interview this week, which I should hopefully get. But how should I deal with these clowns, I've read tons of your forums and I'm not scared anymore which I was before. I want to pay as little as I can for now, because I'm saving up for travelling in november. But i think I could clear the debt in two months wages hopefully. Also i hade £78 letter from a company collecting from vodafone, but I want to dispute that as I'm sure i settled everything vodafone before I finished with my contract. Please help.

 

:(

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Morning machinist.

 

On the credit cards and littlewoods account have you asked for the CCA's (credit agreements)? No CCA then no enforcable debt.

 

Its good to see that you aren't scared anymore. I was the same as yourself. Scared sh*tless because a DCA was hounding me for money. After doing some research I too ended up on this forum and it has been a god send to me.

 

With Vodafone I think you could ask for a statement of account. That would give you your supposed charges and then you can look into disputing it.

 

Also good luck in your job interview

 

Sploits :p

<----------- If I have helped in any way please click on my scales :p

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Morning machinist.

 

On the credit cards and littlewoods account have you asked for the CCA's (credit agreements)? No CCA then no enforcable debt.

 

 

How do I go about doing this? Can anyone point me to a template letter that I can send off to these clowns?

 

 

Thanks guys

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Certainly machinist

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter

 

send a £1.00 postal order (NOT A CHEQUE) and make sure you send it recorded delivery. That way you have a paper trail and they can't deny ever recieving it from you.

<----------- If I have helped in any way please click on my scales :p

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Vodafone posted issues now moved to telecoms forum.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • Haha 1

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

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923 Finchley Road London NW11 7PE

 

 

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Hi lee,

I will sort that shortly. I've been snowed under this week.

 

 

Update

 

In the meantime, I got a letter from "h+l legal solicitors" with capquest information on the back and by the looks of it it looks like some micky mouse template. Shall i still send of my cca request to capquest and ignore them or deal with these numptys. Also they say in the letter I have to pay for solicitors and court costs? Is there much chance of them taking me to court for £650 debt. I'm a tad worried.

 

 

 

 

Regards,

 

Machinist

Edited by machinist
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I think you've answered your own question there... I've had 1 DCA try to take me to court over £1200 (online using Northampton's service), and I submitted that I would be defending and they dropped it.

 

I think some of them do take court action relying on people either buckling and contacting them with a repayment plan or they want win the court case by default with no-one defending.

 

Intimidation and fear are their greatest weapons, (Which is lucky for them because if it was intelligence and hard work they'd all be bankrupt!) and they use them just like a schoolyard bully. Just like the bully, stand up against them and they'll crawl back under the rock from whence they came :)

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

to

923 Finchley Road London NW11 7PE

 

 

Click here if you fancy an email address that shows you mean business! (only £6 and that will really help CAG)

 

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H&L legal and Capquest are one and the same.

Theres no shortage of info on them in these forums.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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H&L legal and Capquest are one and the same.

Theres no shortage of info on them in these forums.

Another bully boy tactic... try to make youself seem important so you can pick on people :razz:

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

to

923 Finchley Road London NW11 7PE

 

 

Click here if you fancy an email address that shows you mean business! (only £6 and that will really help CAG)

 

If you can't donate, please use the Internet Search boxes on the CAG pages - these will generate a small but regular income for the site

 

Please also consider using the

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Yes then theres the Teleograms-the stat demand threats-charging orders and threats of BR.

Now and again we see increased activity after they block buy.

Theres no shortage of success stories either from CAG users.

Winchester Trading Standards must have their work cut out-although they advise contacting CD.

 

What is always concerning,is given the volume of Capquest victims we see on CAG-there must be a large number of others who they frighten into paying them...with all their various tactics.

 

I am amazed that given the number of complaints we have seen,and Capquests clear non compliance to upholding codes of practice and regulatory guidelines,how they are still operating.

 

All the more reason every instance that warrants a complaint-is carried through.

 

Only this way will things change.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 4 weeks later...

Hi Gang, sent my cca letter fews a go to capquest about my very account, for which I know I did not sign an agreement with and they sent me this with a credit agreement copy for which i should have signed lol. This was from a shop finance direct.

 

Dear Mr . ..,

 

Unfortunately we could not locate a copy of your executed agreeement(because there isnt one!), but for your information we enclose a copy of the current agreement which is applied to this type of account. The version includes all contractual variations which may have taken place.

 

 

According to our records the account was on this day ... and payments were meant to be made every 28 days.

 

 

As the debt remains unsatisfied, this will noted on our internal file for future reference.

 

 

This information will also form part of your records at the credit reference agencies where we share information. This information will remain in your credit reference file for 6 years.

 

 

Your sincerely,

 

 

Bla bla.

 

 

 

My question now is what happens, next, I know now without a cca they cannot enforce a debt. Is there another letter I need to send out the capquest muppets?

 

 

Regards,

 

 

Machinist.

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