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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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    • 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.

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      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.

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

Funding Corporation car finance - unsigned bill of sale & PPI reclaim


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Dear All,I

'm new to this and would like a bit of advice. I'm an existing customer of the above and to be honest having a terrible time with them.

We took an agreement out in June 2007 and after a few months things got quite difficult for us and we had to send the car back.

Due to financial difficulties we then fell behind with payments and low and behold TFC then registered a CCJ against us.

 

To cut a long story short we then advised them that we were entering into an IVA agreement and passed them the details of the insolvency practioner

but rather sneekily they actually placed a charge on our property, we rather foolishly ignored the paperwork from TFC as we wanted to ensure

we still had a roof over our heads and also sort our IVA which was subsequently approved in January 2009.

 

It wasn't until recently that I was looking on this forum with regards to TFC to see if anybody had a similar experiences and I little gem I managed to pick up was regarding The Bill of Sale.

 

As I never had a copy of this from the original purchase I requested a copy and low and behold it was not executed properly.

 

It wasn't signed by myself or my partner only the salesperson from ACF when I complained to TFC they acknowledged that the Bill of Sale was invalid

but the agreement still stood as we had signed the ceredit agreemnt,

 

however, when you look at the terms on the agreement it states that "Item 4.5

"You will, immediately upon obtaining the goods from the supplier execute a Bill of Sale in the form produced by us in order to secure your obligations to us under this Agreement"

"When questioned this term with them they stated that as they had a charging order it still stood.

 

I have referred it to the fos who have had it now for 12 weeks with no action.

 

Your thoughts on this would be appreciated.

Regards

Ps Apologies for the lengthy message

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you might wis to PM postggj

 

you are both going thru the same issue i think.

 

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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  • 2 weeks later...

Update from Financial Ombudsman due to the fact TFC have a ccj and secured on property they are unable to assist. Does this mean that I now have to contact the court direct and present the new evidence of the Bill of Sale???? or is it a case let sleeping dogs lie and continue with the claim for mis sold PPI?Can anyone advise

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i'd certainly reclaim the ppi whatever else you do

 

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

i would worry about any technicalities

if you've done the fos customer complaint form and an soc then just wait for them to reply

 

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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soc is a spreadsheet of charges or schedule of charges

 

you need to let them know you have done your research and what you expect back

 

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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have a read of a few threads in the PPI forum

 

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... 

Link to post
Share on other sites

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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  • 4 months later...

I recently requested a copy of the bos, and was not worth the paper it was printed on i challanged them on this n they have admitted that they have no legal intrest in my car so i am now free to sell my car, what i do have with them is an unsecured loan. Going to continue to battle out with them as there are few charges on account which dont quite look right to me. They are a nightmare of a company to deal with this has been going on for 5 yrs now and has been a very expensive learning curb.

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I recently requested a copy of the bos, and was not worth the paper it was printed on i challanged them on this n they have admitted that they have no legal intrest in my car so i am now free to sell my car, what i do have with them is an unsecured loan. Going to continue to battle out with them as there are few charges on account which dont quite look right to me. They are a nightmare of a company to deal with this has been going on for 5 yrs now and has been a very expensive learning curb.

 

start your own thread please

 

see the info in my sig below for a video

 

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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  • 3 weeks later...

With reference to the above the FOS found in my favour back in November but TFC disputed their findings what a surprise and so it has been referred to Ombudsman for final decision. Bascially FOS ripped into TFC for selling a policy to me which basically would not of met my demands and needs due to pre exiasting health conditions. They even had the gall to say that despite having pre existing health conditions I could claim ion policy however when you read the policy it clearly states that you cant.Will update when hear more

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great news

 

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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  • 1 month later...

The Ombudsman has found in my favour - final decision.

 

They have said they want me back in the position I would of been if I hadn't taken out the PPI

 

does that mean that the PPI premium will be refunded plus 8% interest simple

+ Interest charged for the PPI + 8% Interest Simple

and refund of premiums paid + 8% interest simple.

 

Refund of Payment Protection Insurance + 8% Interest (simple) therefore 2903.03 x 8% x (1781 / 365 ) = 2,903.03 + 1,133.22 = 4,036.25

 

Refund of interest for Insurance + 8% Interest (simple) therefore 6,426.00 x 8% x (1781 / 365) = 6,426.00 + 2,508.43 = 8,934.43

 

Refund of Premiums made + 8% Interest (simple) = 1,351.42 + 460.89 = 1,812.31

 

Total owed therefore would be 4,036.25 + 8,934.43 + 1,812.31 = 14,782.99

 

The above is what I have worked out can someone advise if this is correct please?

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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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I did do the spreadsheet but TFC added 3522.97 interest onto the loan for PPI so not sure how this is treated. I have also just looked at the contract and found an error with the workings. They have stated the total amount payable is worked out as follows:Original Cash Price + Interest + Arrangement Fee + Credit Facility Fee Interest is calculated by original cash price less advance payment x aprI thought it would be Amount of credit (cash price less advance payment) + Interest + Arrangement Fee + Credit Facility FeeWould the above be correct if so is the contract voidable?

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  • 1 month later...

I have just found out the FOS has issued its Final Decision in my favour. TFC now owe me in excess of £16k for PPI, interest they charged on the PPI + 8% interest simple. Now I think its about time I turned the tables on them and gave them a taste of their own medicine and start harrassing them for my money. Revenge is sweet

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