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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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albion collections please help


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If they decide to go to court you should receive a letter before action and or a

final response letter.

If they proceed you will receive a claim pack, with all the necessary forms for acknowledging the claim, and making a defence.

#I it does happen we will help you.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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IT WON'T MATE, DON'T WORRY.

 

As the Brig say's were here if it does............. Don't worry about the statements or any mail that comes unless its from the courts..... You tell them what you can afford.... not the other way. Lloyds are trying that trick on the old Hippy and guess what,,,, £1.00 is what I can't afford but hey I have to show willing... They have stopped all interest and send a statement each month,,, the odd pond life appears mainly in house and say's phone to arrange payment plan,,, hippy writes back IN WRITING ONLY AND YOU HAVE A PLAN IN PLACE I (NOTE THE I NOT YOU) WILL REVIEW IN 12 MONTHS.

[sIGPIC][/sIGPIC]Happyhippy1959

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are these scare tactics? do they send the same old thretaneing letters to everyone?

im expecting a reviw letter then soon from halifax all i can afford is £1 they know this so it seems stupid to send at same time as statement a collections letter saying pay min £18k now they know i cant pay so why wste paper?

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They have an obligation to send regular statements, any way it gives a threat monkey

a button to press to keep them amused,yes every body get the same old c**p.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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David please dont be so scared the guys on here will help I have spent the last 10 years hidding I know that when the **** at the botom of the pond come for me they will help. Please be brave debt is just a piece of paper your life is worth so much more. They have taken over my life for years I at one point was so paranored that I through they could track me through my pc but not any more. Knowledge is Power and the people on CAG can give you that just listenr keep strong VH

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thank you so much

 

today i have recieved 3 letters 2 from halifax 1 from albion

if yyou dont mind i shall put them here for your opioions

thanks

 

ALBIONS COLLECTIONS

 

MR XXXXXX DATE 3RD JUNE

 

PAY £15,154.35 NOW

 

our client halifax bank

acccount no xxxxxxxxxxx

amount you owe $15,154.35

dear sir or madam

 

we are debt collectors working for halifax bank. We have been told to recover the money you owe

 

you need to pay £15, 154.35 now

 

if your having probs making the payment calls us on xxxxxxxxxxxxxx

 

yours xxxxxxxxxxxx

 

also

halifax date 1s june

retail bank collections

accou no xxxxxxxxxxxxxxx

 

dear mr xxxx

thnaks for your recent contact

we need to discuss your query in more detail we would like to help and it may be easier if we speak to you rather than write. please call us on number above

 

if you wish to set up a repayment plan, when you call us have your income and expendiutre details with you

you can seek independent advice from c a b and payplan

if you have any further enquiries contact us with your account details

yours xxxxxxxx

also

 

halifax

mr x date 7 june

acc no xxxxxxxxxx

 

dear mr x

thank you for your recent letter regarding your current situation we have accepted your offered of £1 and this arrangement wil be reviewed in 6 months

we are committed to helping our customers in financial difficulty in a sympathetic way and a positive manner and will work with you to find the right solution to your financial problems

 

a standing order can be set up for min payments or pay by postal order or cheque we can be contacted by the above telephone number

 

while payments are maintained under this arranegement, interest will be applied at a reduced rate of 0% p a

charges will be surpressed or reversed during this arrangment

if your financial siutaion remains unchanged following the review in december, we may refer your account to our recoveries team who will assist you with along term debt repayment solution with the added beneift or permanent suspension of interest. this allows the payments you make to directly reduce the outstanding debt

 

the repayment £1 is due to the account on the 28th of the month bla bal bla etc

 

your xxxxxx

 

ive had lots of similar letters

what do you think?

i already 3 times send income details

 

let me know

thanks everone for helping me

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the letter dated 7th is the last in the sequence, so they are saying they are happy to keep receiving £1 per month.

 

Set up a standing order for £1 then you will not have to remember to send payment. Please don't send cash in the post. There is no way of proving it has been sent, plus it costs you the price of a stamp everytime!

 

Standing Orders mean you are in control, as previous posters have already said. SOs are SENT by you, unlike a Direct Debit which is TAKEN by the creditor. Put this to the back of your mind and concentrate on getting the rest of your life sorted. There are bigger fish to fry :-)

Today is the tomorrow you worried about yesterday, and all is well!

 

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Yep there you go David, as Tootles says a RESULT.... A pound it is... Now, get there bank details,,, do it in writing but if you want to ring then use a public telephone..... any other hamster bedding that comes just show them the letter of the 7th.

 

NOW GET YOUR LIFE STARTED AGAIN AND FOR GOD'S SAKE CHILL MY MAN OR ELSE THE HIPPY WILL TAKE YOU AROUND MY WARD AND SHOW YOU MISERY OF YOUNG PEOPLE WITH INCURABLE ILLNESSES THAT WANT SO MUCH TO LIVE AND WOULD TAKE ALL THE PUERILE MISSIVES THAT THESE POND LIFE SEND OUT FOR A PAIN FREE LIFE OR A LIFE AT ALL.

[sIGPIC][/sIGPIC]Happyhippy1959

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Hear Hear Hippy! Life is for living David. Someone earlier in the thread suggested talking to your GP. I think this would be a good idea. Get some help to get your head in a more positive mode and get out there and grab life!

 

My Dad has this sent to him when he was made redundant and life turned to total poo:

 

"Today is the tomorrow you worried about yesterday, and all is well. "

 

Sarah

Today is the tomorrow you worried about yesterday, and all is well!

 

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I think Tootles that our David is food to those pond-life,,, I believe I read somewhere that only 7% of people go for help on debt, including the internet.... Man that is bad.... I wondered how those **** could keep in business in this day and age but reading Davids thread I can well see why..

 

My job at home or work or out is to make sure all my friends know about CAG.. I talk about my debts openly and some one a complete stranger a middle aged lady came up to me I was standing round the Bar and pulled me to one side and said,,, Can I have CAG's number, she thought it was a chap a financial service, told her it was a forum of people in the same if not worse mess than myself.Wrote it down for her I hope she came on this site. She told me she could not understand how I could be so chilled with it ( well not quite that word a posh word for blasé) about it, she was worried sick.... Hope she found the site.

[sIGPIC][/sIGPIC]Happyhippy1959

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Yes come on David START TO LIVE YOUR LIFE NOT THE DCA's WORLD OF STUPID THREATS>

 

GOOD LUCK MY FRIEND!!!!!!!!!!!!!!!:whoo:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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It's all rubbish David file=13 is the best place for those letters :thumb:

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 2 weeks later...

thanks all

i send payment of £1 by postal order

now ima waiting to see if i get any more silly demands

id like to know if halifax have defaulted me, its just rbs have but they always showed up on credit file halifax never has so i wondered if halifax has now but im scared to get a copy of credit file to find out

would this affect my future? says if life improves and i want a morgage? does having maybe 2 defaults on file affect chances of getting a mortgage in the future?

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  • 1 month later...

BLAIR OLIVER AND SCOTT

anybody heard of these?

it looks like same letter as albion but with above name

in still sending the £1 a month and today i get this letter with above name saying there acting for their client halifax please pay 15k etc now

or you may get door step visit or court

its in same wording as albion

is this to try to scare me into paying? i would if i could

or have albion been taken over by these?

has anyone had any dealings with them?

what do i do?

worried

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Bank of Scotland's in house threat monkeys '' BOS''.

David, I would just go on paying your £1.00, tell them if you want

that's all you can afford and they wouldn't get more if they

took you to court.

Always remember YOU are in charge of YOUR finances NOT THEM.

Brig.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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