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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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Fuzzgun vs Nationwide *WON*


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Even more excited now!!

 

Total refund in my bank this morning!!

 

My claim was for £989.53 + £227.48 (8%) + £80 court fee = £1297.01

 

The amount i have received is £1291.55 which is £5.46 short.

 

Not too bothered about that tho.

 

What do I now do re the claim, do I just email to tell them its been settled, or do I have to write them a letter too?

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Well done debt mountain and fuzzgun - i think my predictions were spot on :)

Can I ask did you claim compounded contractual interest - if so, at what rate - NW are saying I'm only 'entitled' to 8% (don't know where they got that figure from) I think it's actually up to the judge to say what I'm 'entitled' to

Spoke to some stupid women at NW - yes you know who you are! seeing as you told me you read this site all the time - who didn't know what compounded meant! :confused:

 

Redsue

 

I have not yet received the bulk of my payment yet, hopefully later today.

 

But I did claim contractual but it was at 7.75% which is the authorised interest rate, but then ontop of that I claimed loss of savings interest at esavings rate of 4.85%. So not sure what they are going to do about paying me for that.

If I have helped click my scales....

 

Find my threads by clicking here

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Thanks debt mountain, hopefully you will be refunded the rest today :)

 

I think I will email MCOL and tell them, and put it in writing also (just to be safe)

 

Redsue: I didnt go for contractual, as I found it too confusing lol but Im very happy with what I have received!

 

Will transfer to my parachute then make my donation.

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Even more excited now!!

 

Total refund in my bank this morning!!

 

My claim was for £989.53 + £227.48 (8%) + £80 court fee = £1297.01

 

The amount i have received is £1291.55 which is £5.46 short.

 

Not too bothered about that tho.

 

What do I now do re the claim, do I just email to tell them its been settled, or do I have to write them a letter too?

 

 

Well done!

 

When I had my claim settled through MCOL the lady on the helpdesk just asked me to give them a ring and let them know it was settled when I had actually received the money.

 

Sarah

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Anything along the lines of:

 

Dear Sir,

 

Account No:

Claim No:

 

Thank you for crediting my account with the sum of £xxx in settlement of the above claim.

 

I confirm that I will withdrawing my claim and will cofirm this in writing to the court.

 

Yours sincerely,

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Having had the 'We are closing your account' letter following my claim, I was wondering that will happen to the interest for this year on this account?

 

I know it wont be much, but will they send me a cheque in April?

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Had great pleasure today going into Nationwide, taking all the refunded money out and then handing my card back!

 

The assistant looked puzzled.. then I explained in a rather loud voice that the money was unlawful bank charges that NW had refunded, then they had spat their dummy out and closed the account so wanted their card back.....

 

"oh ok" says the assistant.

 

Hey ho.. thats one less PIN number to remember LOL

 

:)

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Hi Iain,

I filed my money claim online as it was convenient for me.

 

Its up to yourself it you claim online, or use the N1 form (you dont have to do both)

-Kate

 

Thanks Kate,

 

went to claim money on line and discovered that you have to have english address. Unfortunately I live in Sunny(not) Scotland and will have to do a bit more work and make two individual claims of1.5k thro the summary courts....Hey Ho but i'm now on track an all set to Claim It All Back... Congrats on your recent success.

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  • 2 months later...

Hi, I dont know if any one can help me but ive sent off all my letters to nationwide and there still adamant that there not going to pay out.... My next step is to take them to court, but I have also been charged again this month. Also can anyone tell me how you work out the interest rates? Do you put the full amount that you are owed and put in the date from the very first time you were charged?

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Hi, I dont know if any one can help me but ive sent off all my letters to nationwide and there still adamant that there not going to pay out.... My next step is to take them to court, but I have also been charged again this month. Also can anyone tell me how you work out the interest rates? Do you put the full amount that you are owed and put in the date from the very first time you were charged?

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