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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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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newbie want to do ppi but unsure where to even begin


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Hi there

 

Any advice appreciated I have literally just discovered this forum. We (hubby and I) may have about 6 ppi claims. We'd like to put this into the hands of a company to deal with where there are no up front charges and no win no fee so less hassle for us really. We have some papers but not all of them. It's just over 5 years ago but we were paying literally hundreds every month on credit cards and loans with different people eg lloyds, barclays, RSB, Capital 1.

 

I'm just worried we may get charged by an ireputable company so who do we know who we can trust? Is there anyone out there who can give us good feedback on a firm they have used please? Any advice appreciated we are aware we need to get the ball rolling to be in the itmescale to be able to claim but are just worried about it.

 

Boston

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Hi

 

Welcome to CAG

 

Firstly, there is no time limit on PPI claims so don't worry about that.

 

I would recommend you steer well clear of the claims companies that advertise on TV....they will do nothing for you that you cannot do yourself. AND they will charge you anywhere between 25 and 35% of any oney they get back for you (plus VAT).

 

If you haven't got all of your statements, agreements etc., start by sending a subject access request (SAR) to each lender. The cost is £10 and it will yield all of the information they hold on you. Ther is a template for a SAR in the CAG library, the link to which is at the top of every CAG page in green. They will have 40 days to comply.

 

In the meantime have a read around the PPI forum to get an idea of what is invloved and also have a read of the case study PDFs on the fos website.

 

We can help you with all of your claims for free.

 

ims

 

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Hi ims thank you and please can you tell me - if I have some account information but not enough to do full workings out to put an amount in the letters, is it still ok to send the request with what information I do have and leave it to them as to how much they pay out or is it better to do a SAR eg with the TSB we had several credit cards and several loans? With the other companies though we have the account numbers but are unable to work out the exact amount so is it ok to leave the amount out and let them work it out? many thanks

Boston

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hello I am new to all of this. Can I say well done to anyone who has had a successful ppi claim. My husband and I previously had several credit cards and loans and 2 mortgages. I don't have all the paperwork. I know some of the account nos for the TSB (for husband and I)but not all we had credit cards loans and 2 mortgages with them. I will apply for a SAR from the TSB. For the others, I have most of the account nos but not enoough info to work out how much to ask for - is it sufficient that I have the account nos please or do I need a SAR for each one to ensure I get all that i may be owed?

 

If things were in both hubbys name and mine some were separate is it £10 for each SAR for each of us so £20 if it involved both of us? Sorry to sound thick any advice really appreciated I think we could be owed a lot of money. My husband wants to get a claims company to handle it so I dont get stressed but I believe I'd be better off handling this myself.

 

We were previously in an IVA we have successfully completed this and have had the completion certificate for some time so now would be a good time to go for PPI, especially as we always were lead to believe thaat if we did not take it out we would not get the credit and if it were not for that we would have been able to pay all of our bills for a lot longer we were paying literally a few hundred plus every month on these things and that's just what I can remember.

 

Also, what about a debt that got sold on eg from Barclays to Maxrecovery, do i still write to Barclaycard?

 

Sorry for so many question but there are so many of you who can help me and any info or advice appreciated. Do you really think I may have a claim(s)? Can I really do this? Will it cost me anything other than for the SARs please? Absolutely any info at all welcomed I am totally ignorant on this issue. many thanks anyone.

 

When I read about people going to Court this worries me, when would this happen?

 

sorry if this post should be elsewhere hoping someone can move it for me.

 

Boston

Edited by bostonteaparty
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Re: PPI Successes

hello I am new to all of this. Can I say well done to anyone who has had a successful ppi claim. My husband and I previously had several credit cards and loans and 2 mortgages. I don't have all the paperwork. I know some of the account nos for the TSB (for husband and I)but not all we had credit cards loans and 2 mortgages with them. I will apply for a SAR from the TSB. For the others, I have most of the account nos but not enoough info to work out how much to ask for - is it sufficient that I have the account nos please or do I need a SAR for each one to ensure I get all that i may be owed?

 

If things were in both hubbys name and mine some were separate is it £10 for each SAR for each of us so £20 if it involved both of us? Sorry to sound thick any advice really appreciated I think we could be owed a lot of money. My husband wants to get a claims company to handle it so I dont get stressed but I believe I'd be better off handling this myself.

 

We were previously in an IVA we have successfully completed this and have had the completion certificate for some time so now would be a good time to go for PPI, especially as we always were lead to believe thaat if we did not take it out we would not get the credit and if it were not for that we would have been able to pay all of our bills for a lot longer we were paying literally a few hundred plus every month on these things and that's just what I can remember.

 

Also, what about a debt that got sold on eg from Barclays to Maxrecovery, do i still write to Barclaycard?

 

Sorry for so many question but there are so many of you who can help me and any info or advice appreciated. Do you really think I may have a claim(s)? Can I really do this? Will it cost me anything other than for the SARs please? Absolutely any info at all welcomed I am totally ignorant on this issue. many thanks anyone.

 

What is the involvement of a court please this is the only bit worrying me?

 

Boston

 

 

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  • 1 month later...

Can Ims or anyone else help please. I'm about to collect my first SAR pack from the TSB. I am also about to do SARS requests from others eg. Amex.

 

With Amex and First Direct where will I have to collect the SARS pack from as I don't know of any offices anywhere near me? Any advice welcomed many thanks again.

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I got it from an old loan agreement I found that we had protection on. Also, Ims if we had eg a joint loan am I right in thinking I'll get all the info I need from just one SAR in either name?

 

I'm having a worry attack reading about goiong to Court. Will my ppi application only go to court if I take it there (I was previously in an IVA)

Edited by bostonteaparty
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Are there no address details in the small print on the agreement or on the back?

 

For SAR on joint account you can just prepare the SAR in joint names.

 

It is your choice whether you go to court for it or not.

 

ims

 

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