Jump to content


  • Tweets

  • Posts

    • Will get them done asap My job changes week to week so at the time I didn’t know. 
    • You will probably get a couple more reminders followed by further demands fro unregulated debt collectors with even increasing amounts to pay. They are all designed to scare you into paying.  Don't. It's a scam site and they do not know who was driving and they know the keeper is not liable to pay the PCN. Also the shop was closed so they have no legitimate interest in keeping the car park clear. So to charge £100 is a penalty as there is no legitimate interest which means that the case would be thrown out if it went to Court.  Keep your money in your wallet and be prepared to ignore all their letters and threats. Doubtful they would go to Court since a lot more people would not pay when they heard  MET lost in Court. However they may just send you a Letter of Claim to test your resolve.  If yoy get one of those, come back to us and we will advise a snotty letter to send them.  You probably already have, but take a look through some of our past Met PCNs to see how they are doing.
    • Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
    • hi all just got the reminder letter, I have attached it and also the 2nd side of the original 1st pcn (i just saw the edit above) Look forward to your advice Thanks   PCN final reminder.pdf pcn original side 2.pdf
    • The airline said it was offering to pay $10,000 to those who sustained minor injuries.View the full article
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Housing Benefit


Ktker
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5120 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

hope someone can help with this problem. I am on JSA and have a child on DLA. I got offered and accepted a council house (was on the waiting list for 14mths and desperate). The last tenant left the house in a squalid condition - if fact its disgusting. The grim is unbelievable, there are holes/cracks in the walls and ceilings. But the main problem is/was that I did not have any money to buy furniture/paints/carpets etc (bare walls and floors). I applied for a community care grant but the social fund advised that they had a six week backlog! this meant that I could not move into the house. I council were informed by JCP that I had not moved into the house and they stopped my HB. I called the council and advised them of the situation - they said they would only accept a delay into the house under certain circumstances i.e. the over 60s, those on DLA, child on DLA. I pointed out that I did have a child on DLA and they asked me to put everything in writing to them, which I did. Got a letter today from the council saying I owed them £111 arrears and they are sending a housing officer round to discuss the matter with me. I also had a maintenance inspection this morning from the council who said my house was in such a mess that work would need to be done in it i.e. plastering/new front door/skirting. I told the officer that I need to move into the house ASAP and he advised that I didn't until the work was done as the plastering will be a 'messy business'. So now my house move has been delayed further and I am worried that I will need to find the rent for this as they are not giving me HB.

Link to post
Share on other sites

The rent being paid is stipulation of the tenancy agreement. Your ability to pay the rent is not of concern to them, so I am afraid that they will press you for the arrears.

 

However if the house is not in a livable condition there may be something you can do about this in regard to the payment of rent. In some circumstances you can withhold rent but this is a complex legal issue. I suggest contacting Shelter for advice on this.

 

You may also be able to get a discretionary housing payment from the council to cover the rent given the circumstances.

 

In regard to the Community Care Grant, this is extremely difficult to get, and if awarded, there are many items that they will not pay for as they do not consider them necessery to a given situation so I would not depend too heavily on getting a grant to cover everything you need. If the grant does not get awarded,or if it is awarded but you feel that they have not awarded it in proper consideration of the circumstances, there is a right to request a review, then a right to request an independent review after this if you remain dissatisfied with the decision.

 

There are other ways to get items too. Some local areas operate a charitible scheme such as "homestart" although the name can vary from area to area. These schemes offer starter packs to new tenants in certain circumstances, and consist of small items to get a tenant started.

 

You can also ask the council for decoration payment; some local authorities offer this scheme where they will pay for the decoration of rooms. It used to be vouchers but I think now, you have to buy the paint/wallpaper and provide the receipt for reimbursement. It is a limited amount per room.

 

There is also freecycle, sometimes known as Freegal. It is internet based. There is a group operating in most areas. It is a site designed to stop products going to landfill, where people advertise the goods they no longer want with one catch: no payment changes hands. All the goods given away are free. You can also place a "wanted" ad on there. People give away allsorts on there. Of course there is often a lot of tat but I find it is also frequented by people with more money than sense who, when they decide they want a change of scene they'll just buy new furniture and put their used (or barely used) furniture on freecycle. A mate of mine got a pair of leather sofas on freecycle, practically new!

 

As your child is on DLA you may also be eligible for the family fund.

My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

forum rules to advise via private message, therefore pm's requesting private advice will not receive a response.

(exceptions for prior authorisation)

 

 

 

 

Link to post
Share on other sites

I received a community care grant this week of £1700 which pays for everything I need but still can't move in due to the repairs the council need to carry out - but still have to pay rent even when on JSA (rent is £56pw) I simply can't afford it when I am not even able to move into house. With regards to decorating grant, yes I received this - a whole £20!!

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...