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    • No I'm not. Even if I was then comments on this forum wouldn't constitute legal advice in the formal sense. Now you've engaged a lawyer directly can I just make couple of final suggestions? Firstly make sure he is fully aware of the facts. And don't mix and match by taking his advice on one aspect while ploughing your own furrow on others.  Let us know how you get on now you have a solicitor acting for you.
    • Oil and gold prices have jumped, while shares have fallen.View the full article
    • Thank you for your reply, DX! I was not under the impression that paying it off would remove it from my file. My file is already trashed so it would make very little difference to any credit score. I am not certain if I can claim compensation for a damaged credit score though. Or for them reporting incorrect information for over 10 years? The original debt has been reported since 2013 as an EE debt even though they had sold it in 2014. It appears to be a breach of the Data Protection Act 1998 Section 13 and this all should have come to a head when I paid the £69 in September 2022, or so I thought. The £69 was in addition to the original outstanding balance and not sent to a DCA. Even if I had paid the full balance demanded by the DCA back in 2014 then the £69 would still have been outstanding with EE. If it turns out I have no claim then so be it. Sometimes there's not always a claim if there's blame. The CRA's will not give any reason for not removing it. They simply say it is not their information and refer me to EE. More to the point EE had my updated details since 2022 yet failed to contact me. I have been present on the electoral roll since 2012 so was traceable and I think EE have been negligent in reporting an account as in payment arrangement when in fact it had been sold to a DCA. In my mind what should have happened was the account should have been defaulted before it was closed and sold to the DCA who would then have made a new entry on my credit file with the correct details. However, a further £69 of charges were applied AFTER it was sent to the DCA and it was left open on EE systems. The account was then being reported twice. Once with EE as open with a payment arrangement for the £69 balance which has continued since 2013 and once with the DCA who reported it as defaulted in 2014 and it subsequently dropped off and was written off by the DCA, LOWELL in 2021. I am quite happy for EE to place a closed account on my credit file, marked as satisfied. However, it is clear to me that them reporting an open account with payment arrangement when the balance is £0 and the original debt has been written off is incorrect? Am I wrong?
    • OMG! I Know! .... someone here with a chance to sue Highview for breach of GDPR with a very good chance of winning, I was excited reading it especially after all the work put in by site members and thinking he could hammer them for £££'s and then, the OP disappeared half way through. Although you never know the reason so all I can say is I hope the OP is alive and well regardless. I'd relish the chance to do them for that if they breached my GDPR.
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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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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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