Jump to content


  • Tweets

  • Posts

    • 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. 
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

wescot .please help


maggie
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5767 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Maggie,

 

Like a carrot to a donkey. We need to find out if they are licensed credit brokers. By the way they are 'passing off' their terms in the catalogue, if they are licensed, they have clearly broken the primary rules which allow them to exist as such, and reading between the lines, it appears that they are saying that they haven't got an agreement and are therefore referring TS to the terms as stated in their catalogue.

 

They've been found out big style - if they can't produce the agreement signed by both parties, it is clearly a [problem], and is based on service charges and unlafful penalties.

 

I think TS need to look further into this company, as it is clear they are acting outside of the regulations provided by the CCA as a provider of Credit.

 

I repeat "put up or shut up".

 

Let's scrutinise the statements, then we'll act.

 

Tide

Link to post
Share on other sites

  • Replies 602
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi Tide,

As soon as I receive the statement from T/S ,I will post it here and p/m you a copy.Just reading thru other threads on Studio,it seems that they HAVE refunded the service charges to some people.

Also ,the refund they have offered ,does NOT cover the interest that has been added onto the account from the admin charges,or the PPI.

Maggiex

Link to post
Share on other sites

Maybe we'll be the first to get the interest Maggie, you will ONLY be paying for services and products which they can fully justify.

 

They may well find an action being brought against them. Keep an eye on Tom Brennans case - exemplary damages www.tombrennan.co.uk

 

I'm not far behind Tom and believe that where damage is caused (albeit taking a day off work and losing a days pay, paying for travel to Court, writing letters, postage, time, effort, causation - ill health, etc. etc.) then this should be reclaimable. Maybe this would stop these people from totally disregarding the Law and acting like they own the Gaff.

 

Tide

Link to post
Share on other sites

By the way,Interesting action being brought by Tom Brennan,as all this hassle I have received from Studio,thru Wescot,and now IT,have NOT helped my health at all,but caused me undue stress.

 

Maggie

Link to post
Share on other sites

He, he, he,

 

Where's the party going to be Maggie?

 

The downfall of these people will and has been greed. We now require justification for all of this.

 

It is clear a strategy has been put in place. Get attention. Get Client. Apply extortionate charges. Await default. Make extortionate charges as penalties. Instruct bully boys free of charge (costs applied to clients account) to suppress any repercussions. Ignore any plea for leniency regardless of the clients situation.

 

The gentleman at TS may be interested to learn about this 39.8%, as will other Studio customers.

 

Where's the contract??????

 

Tide

Link to post
Share on other sites

Hi maggie...keep up the great work and fight to the end!! (look's a clear cut case to me) I know what it's like to be ill and then have stress of these debt companies to deal with..

I have dealt with wescot and i.j before and they used to hang up on me when I advised them i was recording my call's

Link to post
Share on other sites

thanks for your support.I received the statement of my account from T/S today,and I don,t want to say anything yet,until I hear from Tide,but I think Studio,in black and white on the statement they have sent to T/S ,have made a major c---k -up.

Maggie

Link to post
Share on other sites

Hi Maggie, I have just read this thread through and I don't mind admitting that when I got to the posts around Christmas I had difficulty reading through the tears. I really hope that things are improving now.

 

Westcot are real bast**ds. I have been paying them £50 a month for a while now and today they phoned me at work, on my mobile ( god knows how they got that number ), and offered me a £400 discount to settle in full. When I said I'd think about it, she then said that if I didn't they would review the payment up to £75 or £100. I said that I didn't like being blackmailed and she became very arguementative. I am ashamed to admit that I got so wound up that I told her to f**k off and hung up. I'm not proud of it but I've had enough of these leeches. I think that I'm going to go after them as well

Paul

Link to post
Share on other sites

Hi Snapper

Report them to T/s ,and record all calls you receive from them.The more people that do this,the better,as they are ,I agree,leeches.I haven,t finished with them yet,as I want to sort Studio out first,and then I,ll go from there.Trading Standards have been marvellous..Don,t hesitate in contacting them,at Wescots home town,which is Hull,and also your local office.

Let me know how you get on.

Thanks Maggie

Link to post
Share on other sites

Hi Maggie,

 

The results are in - it is no wonder Studio have dragged their heels on this.

 

Invoices - £1102.86

Payments - £1177.09

Charges - £670.13

 

I now have a spreadsheet with these on, if we add the dates, these charges may be added into an interest calculator to show how much Studio owe you. After making unfair charges to your account which do not reflect on any actual expenses incurred by Studio.

 

In the absence of any agreement, they haven't got a leg to stand on here.

 

I have forwarded the results of the spreadsheet on to you. This can have the dates inserted to work out the interest they owe you on charges made.

 

Do the statements include any payments made to Wescot?

 

From these calculations, you are due a lot of money back.

 

Everybody should now take a good look at their statements, follow the steps above, and work out the amount owed themselves. DO NOT rely on anything Studio or Wescot tell you, insist on a copy of your contract and copy statements and then go at them for overpayments and interest on charges they have made.

 

Refuse to deal with Wescot and get Trading Standards involved as early as possible.

 

Bailiffs next Maggie, let's go repossess a few nice cars.

 

Unbelievable.

 

Tide

Link to post
Share on other sites

Hi TiDE,

 

THANK GOD!!!!

i WAS HOPING i WAS CORRECT WITH THE FIGURES.i HAVE JUST SENT YOU AN E-MAIL with an attachment of an old Studio invoice.

Sorry about the above sentence.my caps lock got stuck.

Andrew1,I hope now that this will do the trick of the different amount they say I had paid.As for how much I paid Wescot Tide,I have no Idea ,.as I am still waiting for a reply from my S.A.R. from months and months ago.The payments I made to Wescot look like the last payments entered on my statement dated 2006.

Maggie

Link to post
Share on other sites

I informed Trading Standards, by e-mail ,last week,of the disputed payments on the account,and asked them to look in to it for me.

I received a reply from T/S this morning,stating that he is going to contact Studio,ask them to double check these statements,and ask them to explain why there is a difference in the payments made/invoices.

The total amount of charges,calculated by T/S ,amounts to=£557.52 ,this amount includes the administration charges,PPI (which I did not request,therefore added unlawfully,and service charges at 38.9%.

The gentleman from T/S will get back to me ,as soon as he receives a reply from Studio.

 

Maggie

Link to post
Share on other sites

I have also informed the gentleman at T/S, that without a properly signed ,executed credit agreement,between both parties,Studio have NO RIGHT ,TO PURSUE ME FOR THIS DEBT.

 

Maggie

Link to post
Share on other sites

Maggie that is great news!

 

I don't know where you find the strength from to fight the leeches as well as your illness you amaze me....... I wish you all the very best I really do!

 

minky xxx

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...