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    • 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.  
    • Sleep apnoea: used to require the condition  to be “completely” controlled Sometime before June 2013 DVLA changed it to "adequately" controlled. I have to disagree with MitM regarding the effect of informing DVLA and S.88 A diagnosis of sleep apnoea doesn't mean a licence wont be granted, and, indeed, here it was. If the father sought medical advice (did he?) : this is precisely where S.88 applies https://assets.publishing.service.gov.uk/media/64edcf3a13ae1500116e2f5d/inf1886-can-i-drive-while-my-application-is-with-dvla.pdf p.4 for “new medical condition” It is shakier ground if the opinion of a healthcare professional wasn’t sought. in that case it is on the driver to state they believed they met the medical standard to drive. However, the fact the licence was then later granted can be used to be persuasive that the driver’s belief they met the standard was correct. What was the other condition? And, just to confirm, at no point did DVLA say the licence was revoked / application refused? I’d be asking DVLA Drivers’ Medical Group why they believe S.88 doesn’t apply. S.88 only applies for the UK, incidentally. If your licence has expired and you meet the conditions for S.88 you can drive in the U.K., but not outside the U.K. 
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blank CC agreement.pdf

 

 

This is the blank application form they sent me, with my details removed. Why would they send me this?

 

what a pigs ear I've made of this!!! Hope it doesn't put everyone off giving me their views.:doh:

 

ps. could you delete the previous one shadow, or tell me how to delete it? thanks.

Edited by leopard lady
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not sure whats viewable now, or what is relevant, but i recieved (and tried to post!!!)

 

cover letter

application form (which they say is the agreement)

blank app form with my name and address on???

cca request faq (laughable)

7 page terms of agreement

signed statement with what I originally thought was default notice

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Ok, it looks to me like they've sent you a set of terms & conditions, a blank agreement with your details in it... + the original agreement...

 

Does the original agreement have your signature on it, I ask because it looks to have the prescribed terms in the left hand column although they are very small so I suspect MBNA have copied it from a microfiche copy. Hence the blank agreement which will be clearer and should contain exactly the same terms as the original.

 

I think its fair to say they have complied with s78 and will possibly be enforceable in court subject to a judge.

 

All just my opinion tho....

 

S.

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It's an interesting one actually.

 

Being very pedantic the T&C's on the side could be deemed a separate document, they are outside of the main agreement and are in fact headed up as a separate item.

The are you sign does not refer to those terms, nor do you agree to them

 

The agreement is improperly executed though as it is not laid out correctly

 

Would I want to take either of those issues to trial - No way!! but if there are other issues as to how MBNA have dealt with you in hardship etc etc you MAY add those items to building up a case for an unfair relationship

 

The penalty for an unfair relationship, could be as simple as an order for them to remove certain charges and interest (if there is any) and for you to repay the remaining debt by affordable repayments.

 

The Court's powers are extensive in this area and so far little has been tried AFAIK

 

(I have not read the thread and do not know any other details of the account or claim if there is one - I am only commenting on the agreement - as requested) :D

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Thanks gh2008.

 

I have only put in a request for repaymant terms as in financial hardship in Nov, as they put the interest up to 34.9%,

they have told me twice by phone that I have an arrangement to pay with interest and charges frozen,

to get a payment out of me when they were blatantly lying, as interest and charges are being added.

 

They refuse to answer my letters.

 

I have put in a formal complaint, but requested the cca as if it wasn't enforceable I had a little leverage re:the payment arrangement.

 

If they had frozen the interest and charges as ccca advised me to request, and set up the payment schedule THEY initially suggested to me, it would be paid in 5 yrs.

 

As it is they are now adding over £300 a month. How do I go about stating a case for unfair relationship, please?

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As seems to be their way, they are squeezing the last bit of life out of the cash cow before they pass it on. I honestly dont think they want to help LL, the wording in letters is only there to comply with the various guidelines in my opinion. :sad:

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complain VERY LOUDLY

 

MBNA have recently been given a very severe knuckle rapping for exactly this.

 

It is also against their Code of Practice (which I will try and dig out)

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I think Minimoo has got it spot on unfortunately...... when I made my complaint through FOS about MBNA, the adjudicator told me over the phone that it was and I quote "Difficult for MBNA as they have two sets of laws to work with" Frankly I didnt have much sympathy for them :)

 

S.

 

Will look for something...back in a mo

 

Here:- http://www.oft.gov.uk/news-and-updates/press/2010/136-10

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"We will not increase interest rates in the following circumstances. Where a customer has failed to make the minimum contractual payment requested on the last two or more consecutive monthly statements; or Where an agreed repayment plan is in place in respect of the account; or Where we have been formally notified by a not-for-profit debt advice agency that the customer is in serious discussion with it."

 

http://www.theukcardsassociation.org.uk/best_practices/-/page/681/

http://www.lendingstandardsboard.org.uk/docs/addendumjan2011.pdf

 

EDIT MBNA are a board member of the UKCA !!!

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Oooops did see Shadow beat me to this one :D

Edited by gh2008
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Thanks all for your help. I have a formal complaint in at the mo, refering to the fsa directions to mbna which came into force 1 jan 2011, as shadow kindly linked, specifically to make it clearer in letters sent to customers in financial difficulty that it will accept the repayment amount they have demonstrated they can afford to pay, (lol), and they have replied saying they will respond in 28 days, although I believe they have double that and usually take it.

 

I presume I need to wait for the out come of that before I complain to any of the other agencies suggested above?

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If they have breached the UKCA guidelines then complain to them anyway

I would complain everywhere - what's the worst you can be told - 'wait for their process to end first' ok, so what ....

 

It might not get you anywhere but it makes you feel better :D

It also builds up a history and for any future litigation (should it come to that) that history could be useful ....

If you find my advice helpful - please click on my scales

<<<<<< - they're over there!

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The small print - any advice I give is freely given on the understanding that I am a layman and am not legally qualified in anyway.

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Think I'm going to leave this until after AQ for other case is sent in on monday or I'll be suffering from acute mbnaitis!!!

 

OK, so they increased the credit limit first, which caused the inability to meet the payments. Don't know if that makes a difference?

 

On tuesday I will go through all the guidelines and see whats appropriate. I'll draft a letter briefly explaining my dealings with mbna and how its breached guidelines. Is it guidelines specific to that particular organisation of all regulatory bodies?

 

Thanks again, all.

Edited by leopard lady
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Hi Leopard Lady..... thank you for your PM.... :-)

 

That's a tricky one..... on the face of it, it does look like one of those rare forms that doubles up as an application and an agreement. You could query it but in doing so, you need to be aware that they might try and push it through the courts at some point.... If they've sent you a microfiche copy, as has been suggested on this thread, it may be worth asking for confirmation as to whether they hold a true copy, or a microfiche copy..... as what they've sent you is not easily legible..... see what they send back. and then post on here again.

 

You could word it to them in a very polite (rec. delivery) letter..... thanking them for their correspondence but the doc. they've sent is not legible. Please can they send you a legible copy of any agreement pertaining to yourself if this is available. If it is not avalible, then please confirm so in writing. If they've sent you a microfiche copy (a copy of a copy), please confirm so in writing under CPUTR 2008.

 

That way, you should know where you stand with this.... :-)

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They have sent me also a seperate blank application form with the t&c on.

 

That doesn't mean anything.... and could well indicate that what they have is from microfiche records. I have challenged microfiche records before now.... but you need to establish if what they've sent is indeed from microfiche before you do anything else. This is not a straightforward enforceable/unenforceable doc. in my opinion, which is why you'll need to do a bit more digging to know more about it.

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Yes, you're right. Whats the difference between them having the original or only a microfiche copy?

 

A microfiche is not a copy; it's a copy of a copy..... pedantic I know but if your argument is strong enough and you're sure of your footing with this, they may drop it. Very hard to say at the moment though....

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tbh all I wanted was their original offer to pay £150 for 6 mths then the balance in 4.5 yrs and freeze interest and charges.

 

They have agreed that verbally twice and it been false.

 

This is why I sent the cca request, hoping for a bit of leverage.

 

I am petrified they'll go for a charging order if they take me to court and anything that gives me a fighting chance I'll try!!!!!

 

If they keep adding £300+ a month interest it'll end up more than the house is worth lol.

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tbh all I wanted was their original offer to pay £150 for 6 mths then the balance in 4.5 yrs and freeze interest and charges. They have agreed that verbally twice and it been false. This is why I sent the cca request, hoping for a bit of leverage. I am petrified they'll go for a charging order if they take me to court and anything that gives me a fighting chance I'll try!!!!! If they keep adding £300+ a month interest it'll end up more than the house is worth lol.

 

Are they even allowed to add that much in interest?.... ask for a full breakdown and explanation of all charges and interest added to the account, in accordance with the documentation they've sent you.

 

As for the Charging Order, they can't get one without a CCJ and you would need to default on that CCJ first anyway.... so stop worrying. The way it's going at the moment though, you may be better off going to court. At least that way, a Judge could see how reasonable you've tried to be.

 

:-)

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