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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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1st Credit - Old Debt


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right gone throught the total thread

and i think i've sussed it.

 

post#1:on a credit card that I had settled with a previous company for £1,000//I think it was paid with the previous companies bank giro paying in book in cash so I am unable to trace any payment from my end

post#3:No, it was registered with the previous debt recovery company (don't want to say who with because I am sure 1st creditlink3.gif read these forums and I don't want to give too much away here) in 2006 and it was not long after that I paid the £1,000 off as a final settlement. Something that seems a complete and utter waste of money now sadly.

 

please name this previous company you paid the £1000 too

 

because what has happened is they pocketed the £1000, thats why its not on your CRA file. it had already been wriitten off by the OC.

 

so, ignoring that, your SB date would be the last payment to the OC.

 

and that IS more than 6yrs - so thats why its not on your CRA file.

 

sorry, you've been fleeced blind and 1st credit has found out you were, and they've tried their arm at pulling the same stunt.

 

cash cow once...cash cow again trick.

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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Totally agree DX, all of the people

who make large payments in a supposed

full and final settlement MUST

make sure there is a clear and accurate

paper trail for the payment.

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This was paid exactly when, and did

you get a letter of acceptance?

I'm thinking along slightly different

lines at the moment.

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oh well

that paid for the staff outing then.

 

we've got words that describe BOS but they are rude.

 

Bunch Of SHifters will do...

 

pers i'd not do anything.

 

its for 1st crap-it to prove its not SB'ed

not for you to prove it is.

 

it would be interesting to see a statement of account

to see where that £1k went

but i think we know!

 

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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Share on other sites

This was paid exactly when, and did

you get a letter of acceptance?

I'm thinking along slightly different

lines at the moment.

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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I was Wondering about a SAR to Blair Oliver Scott,

to get the low down on this payment, and it

still concerns me some what that 1ST have knowledge

of it.

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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its int where the £1k has gone and to find out.

 

if they suddenly find it, then would it then clear the debt?

or will it open a can of worms.?

 

or could they turn around and say its more than 6yrs

which again would be funny, the debt WOULD be sb'ed.

 

cant see an advantage sadly

the OP has no proof? that they paid the £1k

so what can be done even if it doesnt show on the SB'ed A/C?

 

 

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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There's the problem DX, maybe

just tell 1ST there was a full and final

made and consider that their claim

has no merit and then ignore

Or state it's SB and leave them to

prove it's not, if they come back

with the payment then state is was

an F&F.

Your choice Janice I guess.

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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  • 1 year later...

Hello again all,

 

It is over a year since I last posted here and I wonder if you might be able to give me some advice once more.

 

Well I did ignore 1st Credit and even reclaimed PPI and charges from HBOS.

 

Everything went completely quiet until almost a year to the day,

a letter has dropped through the door today telling me that I have a "Limited Time Discount Opportunity" to pay off my (supposed) debt

where if I pay 10% of what they claim is owed, they will pay 90%.

 

This figure decreases month by month, ie 90% this month, 80% if you pay it in December, 70% in January etc. etc.

 

Somewhat tellingly however when reading over the page it states

"All payments will be accepted but only constitute an arrangement/settlement where previously agreed".

 

Do you think this is a con to get this debt up and running again or simply the last throw of the dice to recoup a measly 10% of a debt that is either state barred or un-enforcable in court?

 

I have to say that I thought I had heard the last of all this,

especially as a year has passed since I heard from these horrible people but the most annoying thing is that I paid £1000 to Blair, Oliver and Scott years ago

as a full and final settlement and as I say, there is no sign whatsoever of this debt on any credit file relating to myself.

 

I would greatly appreciate any help or advice you may be able to provide please.

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Yes Brigadier,

1st Credit again unfortunately.

 

What do you think I should do?

 

Ignore them or tell them to "get stuffed" in a strongly worded letter that once again informs them that the debt has already been settled years ago with Blair Oliver and Scott?

 

Whatever way, they are not getting a penny out of me.

 

Thank you for the welcome back by the way. I hope you are well and that life is treating you kindly.

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its a discount letter designed to spoof you

 

ignore

 

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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Share on other sites

Okay DX. Is this a tactic that is used often? I sort of figured it was a spoof as surely if there had been any merit whatsoever in their so called "claim" against me, then they would have persued 100% long ago and not left it a year also before contacting me about this.

 

So I should just totally ignore this now and not write to them in any form then?

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Send a stroppy complaint to the compliance manager Janice refer them to the settlement and finish the letter with FINAL RESPONSE>

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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