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    • I am aware of this treatment. Field Debt Solutions approached me at my door claiming to have a warrant of entry, (one of many lies they used) they KNEW I was classed as vulnerable prior to the visit. This was (later found out by The Ombudsman) allegedly to install a pre payment meter (They know I can not use one). Long story short: I was threatened with criminal damage, the police and them not moving till I let them in. They stated they had a warrant, they did not. One FDS employee was waving a crowbar and smiling, the other was basically terrorising me through the window. I complained to EON and all that they did was lie further, covered up their behaviours After contacting the OMBUDSMAN all the truth came out. I am totally disgusted with the way this company operate. I am equally disgusted that the Ombudsman ere not taking any of the FDS Employees behaviours into account (yet all my claims were upheld) this feels like this section of the whole process is left wide open and that's why this is happening imho. The Ombudsman made me feel like they work for EON, (when it came to the consideration of the employees from FDS, they seemed immune to scrutiny) a very confusing and shocking experience when the penny drooped. I have looked at CISA (?) whom are some sort of organisation who debt collection agencies register with (no idea what for) anyway, FDS are not registered, I can not find them anywhere, they are like some sort of enigma and this is where i am thinking how they are protecting themselves from scrutiny and people gaining remedy from them. I also witnessed a EON employee telling me that "FDS do not have to answer anyone," they would not give me any way of complaining directly to them as is the Gov's advice before A Small Claims Tract. I am just making sure now that I record all my efforts to do what I can to give a chance for FDS to attempt to put right what they did to me. I have witnesses and I intend to take them to court. EON has damned them and all the info they provided shows how messed up and disgusting they are, I seriously have witnessed staff laughing at me on the phone when I am trying to tell them what happened. I t seems if you do not pay a bill (in my case this was out of my hands) Then your deserving of what seems to me an inside laugh as the know how we (the vulnerable) get treated when FDS turn up, yes, very much felt this and challenged one employee once.. I have spoken to a Solicitor and they are happy  to do something for me over this. Also the police were phoned by myself even though they threatened me with police "To Help Them Take My DOOR OF ITS HINGES" The police did turn up, they told me that they rarely ever turn up for these idiots as the FDS and others attempt to use the police through bull crapping them. They also said go through a few hoops and if your not happy come back to them, I have a mobile number as they said that a crime number would come after I have exhausted the other moves. They do not like these Debt People one bit, that was comforting. Sorry if this is a little all over but it was all over complexed (I can see why now) but  just wanted to share my experiences and I will be happy to share further if anyone needs to know. I am still wondering what to do but one thing is for sure, I will not be going away, EVER! good luck
    • what does it say if the claimant fails please?
    • Thanks for the feedback.  We have a professional surveyor friend who is willing to give an opinion, and once done as you say, there's no reason not to inform insurers. And as Eric's brother says, that will also give us, hopefully, a more specific discussion with neighbours. No, we can't view the neighbour's roofing from where we are, and neither can they as it's under their conservatory (we always thought it was a bad move on their part to cover felting with a conservatory!) Interesting that council have enforcement powers, hadn't realised that.  I've also had a builder advise, without visiting the site, that the dividing wall (which may be double-skinned) should have waterproof capping, which it doesn't; so maybe a simple solution is to install that across top of both sides.  Anyway, some next steps for us to take so thanks again.
    • un-en doesn't mean its written off but SB'd passing does.. and no why should you get the money??   they are notional charges that weren't paid by you anyway in the 1st place as there is was outstanding balance greater than the refund.
    • If WFH is what leaves people feeling unsupported then I completely agree that's not good.  I wonder if some organisations were better at keeping communication open, managing the situation and making their employees still feel supported and included.  It's likely there have been lessons learned.
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znowdonia

URGENT HELP NEEDED re MARAS referencing, may be homeless in 7 weeks

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Urgent urgent advice needed re maras reference application

Hi

 

I have been in my HOME for nearly 5 years now but the lettings agent made the lanlord re-refernce me. I am currently unemployed and in receipt of benefits so I knew I would not pass the referencing also because my income isnt 3x the rent and my partner no longer lives here, so I managed to get two of best friends to be Guarantors on the property. Their referencing has gone through but I still had to be referenced.

 

I was worried if the Landlord or Leting agent knew I was unemployed they would make me move out so I said I was self-employed (silly i know) but now they want my accountants details? They have served me a notice of possession until they get my accountants details and I get fully referenced. I thought the most important thing would be the gurantors passing the checks.

 

I dont know what to do now.

 

Please please give me some urgent advice as I could lose my home in 7 weeks time and be on the streets as hardly any private landlors accept HB and theres a massive council waiting list and I could end up in a hostel.

 

Your advice is much appreciated!!!

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I've asked for your query to be moved to the Residential Lettings board as it isn't really anything to do with Benefits. You will get more answers on whether you can be evicted or not on the other board.

  • Haha 1

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Can you send me the link to that forum and I will move it myself? Thanks so much!

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Done now.(only site team can move threads.)


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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Its a duplicate of a thread already in this section.


7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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Hi znowdonia, seeing as you do not have secure accommodation (since you received a section 21 notice of repossession) you should immediately apply to your council as a homeless person because in the eyes of the law someone who is threatened with homelessness is treated as being homeless. I'm afraid that temporary hostel accommodation is what you'll get to begin with, however they will be obliged to find you a secure tenancy within 2 years of your application. Furthermore, they must pay for storage of any furniture and goods which you cant take with you immediately, and, the application is also a gateway to receiving other assistance e.g. a bond to cover a deposit and a loan to help with the first rent. Make your application in writing and if you can get to the council offices with it, make them photocopy the application and give you a copy with their official stamp and date-stamp on it for your own proof. I always do this because verbal dealings can be denied by the council when they fail to carry out their "main homelessness" duties.

 

Here's an example application:

 

Homelessness Application Letter

Date: (fill in as required)

Applicant’s name: (fill in as required)

Contact Address: (fill in as required)

 

Telephone: (fill in as required)

Mobile: (fill in as required)

To: Homelessness Section,

Housing Options Team

Address: (Your own Borough Council)

Council Offices

(fill in as required) Road

town, town, county, postcode.

 

Dear Sir or Madam,

 

I wish to apply as homeless under Part 7 of the Housing Act 1996 as amended by the Homelessness Act 2002.

I provide some basic details below, but would like an appointment to see a homelessness officer urgently.

 

(add your details, e.g. S.21 notice and when received, on benefits and LL says NO WAY etc.)

 

Yours faithfully,

 

 

The following link will give you advice and access to the relevant (aforementioned) Laws/Acts and also to the "Homelessness Code of Guidelines for Local Authorities" which I found invaluably helpful because my council spouted misleading and inaccurate misinformation in order to discourage me from obtaining their help.

http://www.yjb.gov.uk/en-gb/practitioners/Accommodation/LegislationandResponsibilities/HousingAct1996PartVIandVII/

 

Another good source of advice and help is: http://www.shelter.org.uk/

 

With regards to you either lying or making misleading claims when obtaining a tenancy, I'm afraid that this is grounds for eviction whereby a council could consider you as having become "intentionally homeless" thereby voiding their homelessness duty, however seeing as you've not been granted a new tenancy through this, I think you are probably in the clear for now. However it may be wiser not to tell the council this bit,

I was worried if the Landlord or Leting agent knew I was unemployed they would make me move out so I said I was self-employed (silly i know) but now they want my accountants details? They have served me a notice of possession until they get my accountants details and I get fully referenced. I thought the most important thing would be the gurantors passing the checks.

 

I dont know what to do now.

Good reading and good luck, best regards,

Paul.


I'm not a qualified welfare rights adviser, but I'm planning on becoming one. I'm no substitute for more competent advice from trained CAB and welfare rights workers - [URL="http://www.consumeractiongroup.co.uk/forum/benefits-tax-credits-minimum/127741-benefits-advice.html"]see this post[/URL] by Joa, great advice and links! I've been running a Crisis Loan campaign and help since Jan 2007 . See my annotations c/o "theyworkforyou". I'm also currently interested by the recent DWP Medical Services reform and the effect this is having on valid claims, seriously - someone needs to be keeping a suicide count.

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im hoping it wont come to that but thanks for the advice...........

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