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    • 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
    • stopping payments until a DN arrives does not equal automatic sale to a DCA...if you resume payments after the DN.  
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NDR Money & K&co. debt - help


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Hi, you could take matters in to your own hands

and make payments direct, but it may be more trouble

than it's worth.

Is the balance very large/small compared

to the NDR charges?

 

Hi

 

NDR are managing two accounts:

 

ex K&Co - The balance prior to these five payments being made was only £60 next months payment of £30 would of finished it. But they took £150 (5 x £30) that bought my balance to about £90 in credit! But I checked the balance a couple of hours ago and it is now back at me owing them £60 - no sign of me credit!

 

Its a dam good job I took some screen shots earlier.

 

Give me a couple of hours and I will scan & upload the original payment plan letter telling me to pay £30 for 6 month back in Feb and will post some other stuff showing the 5 payments they took on the 12th Aug as well as the 52 failed attempts to £31 which, had there been money in my bank would come to about £1600 !!

 

The other account they manage is for about £900 and I havent had much problem with this one - I regular pay this every 4 weeks

 

Their APR is just horrendous - 45%

Current Debt : Approx £LOTS :-( ........................................................................Estimated Debt Free : Nov 2014 :-D

 

Barclaycard (wife) £1,080.43 Refunded

Barclaycard (me) SAR in progress

Shop Direct (x3 accounts) SAR completed. Claiming £3389.37 charges and £3,500 PPI

MBNA ..........SAR in progress. Charges & PPI from 1996 - present!

 

Your next ----> Lloyds Mastercard x2 - OPUS - Coop Visa - Monument Visa - RBS Visa - Cap One Visa x2 - Redcats x2

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Okay here are some scans. I know the balance is only for £60 but the point is that they have taken £150 when they should of only taken £31 but what is really worrying is that they attempted to take 52 x £31 from my bank.

I can only attach 5 scans so please open them in this order:

 

1. payment plan.jpg - Self explanotary. This was agreed with NDR. Regular payments was made as it was only for 6 month @ £30 which I could afford no problems. But this weird letter appered

 

2. confused acct.jpg - Letter telling me they have been trying to contact me £12 charge. *Note* the name Very next to the blanked out account number - this confused me!

 

3. nationwide statment-1.jpg - Next was the 5 payments they took from my bank when I only set up for one. This is my bank statement.

 

4. Acount View13-08-2011 19-47-30-1.jpg - This is a screen shot of my NDR account after they made the payments. Note my arrears as being £0.00 and I'm in credit.

 

My wife spoke to them on Friday 13th and they stated that their accounts dont show any payments. I send an email - they reply denying any knowledge. Look at my NDR account today (14th August)

 

5. 14-08-2011 14-14-29-1.jpg - Interesting! My arears are back and I still owe them money, so where did my £150 go??

 

EDIT - dam attachments are too small ! payment plan.pdf

nationwide statment-1.pdf

confused acct.pdf

Acount View13-08-2011 19-47-30-1.pdf

14-08-2011 14-14-29-1.pdf

Edited by geordieman

Current Debt : Approx £LOTS :-( ........................................................................Estimated Debt Free : Nov 2014 :-D

 

Barclaycard (wife) £1,080.43 Refunded

Barclaycard (me) SAR in progress

Shop Direct (x3 accounts) SAR completed. Claiming £3389.37 charges and £3,500 PPI

MBNA ..........SAR in progress. Charges & PPI from 1996 - present!

 

Your next ----> Lloyds Mastercard x2 - OPUS - Coop Visa - Monument Visa - RBS Visa - Cap One Visa x2 - Redcats x2

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Hi I think I can see what has happened the

payment has been auto processed 5 times instead

of one there may have been manual intervention to

correct instead of reversing 4 payments they

have reversed them all your money should show

back in your account shortly and therfore no payment

shows as being made to NDR.

 

Brig.

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Hi .. Ive PDF'd the attachments

 

But what about the 52 x attempts ?

Current Debt : Approx £LOTS :-( ........................................................................Estimated Debt Free : Nov 2014 :-D

 

Barclaycard (wife) £1,080.43 Refunded

Barclaycard (me) SAR in progress

Shop Direct (x3 accounts) SAR completed. Claiming £3389.37 charges and £3,500 PPI

MBNA ..........SAR in progress. Charges & PPI from 1996 - present!

 

Your next ----> Lloyds Mastercard x2 - OPUS - Coop Visa - Monument Visa - RBS Visa - Cap One Visa x2 - Redcats x2

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Hi, geordie these bl**dy automated systems if they

fail once and it's not properly rectified the go on trying

to access the account until intervention or they blow a gasket.

Check your bank account if you get any charges you can of course claim them back'

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

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Cheers Brig ... I will do ! I hope they do return the money because its needed elsewhere! Like between now & 28th when I get paid !

Current Debt : Approx £LOTS :-( ........................................................................Estimated Debt Free : Nov 2014 :-D

 

Barclaycard (wife) £1,080.43 Refunded

Barclaycard (me) SAR in progress

Shop Direct (x3 accounts) SAR completed. Claiming £3389.37 charges and £3,500 PPI

MBNA ..........SAR in progress. Charges & PPI from 1996 - present!

 

Your next ----> Lloyds Mastercard x2 - OPUS - Coop Visa - Monument Visa - RBS Visa - Cap One Visa x2 - Redcats x2

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Geordie keep a close eye on your account poss warn the bank

sometimes the reversal can take days.

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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not under the guarantee

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Take with one hand and give with the other!

 

Four of the payment they took arrived back in my bank this morning.

 

When I was talking to someone from my bank about this, I explained to him that one of my concerns was that I was worried that I would wake up (for example) the day after pay day only to find more 're-occurring' payments has appeared from this lot. I was astonished to be told that if they (DCA) could locate my money and that if they were owed it, then they could try to get at it by any lawful means. !

 

Anyway ..I'm happy because I have my money they took.

PS ... I did get a email from NDR expalining that they had "experienced difficulties on the website" ......just imagine if all 57 payments had gone thru = £1,767 would of been taken from my bank without my authority!

Current Debt : Approx £LOTS :-( ........................................................................Estimated Debt Free : Nov 2014 :-D

 

Barclaycard (wife) £1,080.43 Refunded

Barclaycard (me) SAR in progress

Shop Direct (x3 accounts) SAR completed. Claiming £3389.37 charges and £3,500 PPI

MBNA ..........SAR in progress. Charges & PPI from 1996 - present!

 

Your next ----> Lloyds Mastercard x2 - OPUS - Coop Visa - Monument Visa - RBS Visa - Cap One Visa x2 - Redcats x2

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Well at least it's admitted there was a tech fault,

personally I would use a standing order, after this they

cannot possibly object.

 

Brig.

 

ps glad I was right:jaw:

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!

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The bank employee is talking bowlarks, you should have just laughed at them, they are clearly as ill informed as the majority of the population when it comes to what DCA's can & can't do.

If you ever gave your card details to these clowns (DCA) then cancel your card immediately, and instruct the bank that under no circumstances are any further payments to be made to this outfit via direct debit or card transaction. You will only authorise a standing order which you will set up yourself.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Cheers Brig (and others)

 

I can set up a 'faster payment' method via my bank online, is that the same as a SO. (I can cancel this as I wish)

Current Debt : Approx £LOTS :-( ........................................................................Estimated Debt Free : Nov 2014 :-D

 

Barclaycard (wife) £1,080.43 Refunded

Barclaycard (me) SAR in progress

Shop Direct (x3 accounts) SAR completed. Claiming £3389.37 charges and £3,500 PPI

MBNA ..........SAR in progress. Charges & PPI from 1996 - present!

 

Your next ----> Lloyds Mastercard x2 - OPUS - Coop Visa - Monument Visa - RBS Visa - Cap One Visa x2 - Redcats x2

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Do you mean this??

http://en.wikipedia.org/wiki/Faster_Payments_Service

 

Here is a better explanation with flow chart, and yes it does appear to be similar to the SO..

http://www.ukpayments.org.uk/faster_payments_service/how_does_the_faster_payment_service_work/

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Best be safe the SO is the safest way, online

this old luddite does not approve:madgrin::madgrin:

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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Hmm

 

This is Nationwide Faster payment

 

Seems very similar to a SO

I have complete control about payment & frequency etc

http://www.nationwide.co.uk/faster_payments/default.htm

Current Debt : Approx £LOTS :-( ........................................................................Estimated Debt Free : Nov 2014 :-D

 

Barclaycard (wife) £1,080.43 Refunded

Barclaycard (me) SAR in progress

Shop Direct (x3 accounts) SAR completed. Claiming £3389.37 charges and £3,500 PPI

MBNA ..........SAR in progress. Charges & PPI from 1996 - present!

 

Your next ----> Lloyds Mastercard x2 - OPUS - Coop Visa - Monument Visa - RBS Visa - Cap One Visa x2 - Redcats x2

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wow my type font is small !

Current Debt : Approx £LOTS :-( ........................................................................Estimated Debt Free : Nov 2014 :-D

 

Barclaycard (wife) £1,080.43 Refunded

Barclaycard (me) SAR in progress

Shop Direct (x3 accounts) SAR completed. Claiming £3389.37 charges and £3,500 PPI

MBNA ..........SAR in progress. Charges & PPI from 1996 - present!

 

Your next ----> Lloyds Mastercard x2 - OPUS - Coop Visa - Monument Visa - RBS Visa - Cap One Visa x2 - Redcats x2

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wow my type font is small !

 

I've heard people call it some strange names in the past, but never a type font! :gossip:

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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