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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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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Mortgage, CreditAgricole ,BirminghamMidshires, Halifa x, HBOS, CurtisSolicitors


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Andrew, excellent, as ever. I have already made a Part 18 application which the o/s have agreed to comply with at a later date. Maybe now is that time. I'll contact my brief and request a copy of this, along with the other information I am missing. I have stepped up the progress of this over the weekend and I'm now pushing for answers with my Solicitor. As you know, the Judge has told me I cannot proceed without representation.

 

BTW the system won't allow me to Rep you unless I spread it around elsewhere first!!

 

Many thanks

 

Tide

 

It's my pleasure Tide - all mine - you'll be glad you asked for it once you take a read..:D

 

Gezz 02.12..sac time! Night!

 

Sarah. ;)

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Tide, just one further thing. In my Lending Policy Document which is not for any of the banks mentioned in your thread header, under the heading " Mortgage Indemnity Guarantee Policies" (MIG) it states the following and it's not so much what it says as the way it's said...and it's implications in the event they had to claim on it..anyway, take a read of this and bear in mind this is like an employees policy hand book to use doing their job:

 

" A Mortgage Indemnity Guarantee policy is a form of additional security which some lenders purchase by charging a fee which is similar to a higher lending charge. xxx Bank does not reveal whether it purchases MIG security with its Higher Lending Charge. We may simply collect the fee as a risk- related fee or we may purchase MIG. Customers need only be advised that it is a risk-related fee in that a loan which carries a higher degree of risk will cost more"

 

 

So, there may or may not be an insurance to cover a risk...then what happened to it? or is the fee just a comfort fee for the hell of charging more? whatever it is it either pays out upon default - so in your part18 request I'd ask if there is one..and on the other hand why would a customer never be told their money was just a figure plucked out of the air for the fun of it?

 

These things are built in behind the scenes which tens of thousands never get to know about and no doubt the banks claim these insurances and never offset it against what the punter has to pay them back... Just a thought..

 

 

Sarah.

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  • 2 weeks later...

Hi Tide,

 

Just wondered what you were up to??

 

My mates case is in the lap of the courts at the mo - the judge has ordered the claimant, within 7 days, to file full details of their attempts to settle the claim and "in default the claim be struck out"....as they don't appear capable of answering our letters we are hoping that they don't answer the court either and the claim is stuck out - if this happens are they able to refile?

 

We have also just heard that a similar case has been allowed to go to trial based on the banks none compliance with the CML code of conduct - according to the judge the defendent has an arguable case for estoppel as they did not "begin recovery action" within 6 years - the claimant's solicitors tried to argue that they had used tracing agents to try and locate the defendent, but the judge said that that did not in itself constitute recovery action!

 

Here's hoping that all cases where the bank has not obtained a monetary judgement order and the defendent has not admitted liability within the six years that they are all thrown out!!!

 

Jody

Jody123

Please note I have no legal training - the information I have has been gleaned from too many hours on this site! :-)

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tide,

 

I'm reading all my case law notes in preparing my mates skeleton argument and I came across a point that may be of interest to you - apologies if you are already aware of it, as I may have copied and pasted from your thread in the first place, but I didn't fancy reading all 15 pages of your post to see...

 

Failure of a Default Notice or a Termination Notice to be accurate not only invalidates the default notice (Woodchester Lease Management Services Ltd v Swain & Co NLD 14 July 1998) but is an unlawful rescission of contract which would not only prevent the Court enforcing any alleged debt, but give the Claimant a claim for damages. (Kpohraror v Woolwich Building Society [1996] 4 All ER 119)

 

Jody

Jody123

Please note I have no legal training - the information I have has been gleaned from too many hours on this site! :-)

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Hi Jody,

 

Apologies for not getting back sooner. I investigated this prior to the initial hearings, and believe it played a big part in the other side writing off any claim for a shortfall. They did, however, claim that they were writing it off to off-set against any claim for charges made against the account.

 

As the OS are still stalling, and their claim for costs is grossly over inflated, I have suggested to my legal eagles that:-

 

1. Interest should be claimed at the statutory rate of 8% compounded on the entire claim (this wipes out any claim for costs)

2. Their costs claim is scrutinised (detailed assessment)

3. Any claim for costs not substantiated may be fraudulent (at the very least a complaint to the Law Society).

4. A seperate claim for undersale is brought, plus interest.

 

Their arguments are fickle, but I'm prepared for the long haul. I'm not getting complacent, but I feel there is a certain amount of stubborn stupidity, which is costing them money daily.

 

If they're hanging in there for a fist fight, they'll end up with a bloody nose (Trolls take note).

 

Chattels, Undersale, Charges, Interest, Stress, Self Respect. Do these people seriously think I would ever lay down?

 

Do you have an interest calculator?

 

Tide

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1. Interest should be claimed at the statutory rate of 8% compounded on the entire claim (this wipes out any claim for costs)...
County Court Act 1984 s69 8% p.a. Interest is calculated as Simple Interest NOT Compounded Interest.

ANY deviation from this will require U to give a full explanation to the Court.

 

 

 

 

 

Do you have an interest calculator?
Try inputting your data into the following User friendly spreadsheet (...originally devised by Mindzai) TT...

 

Mindzai's Contractual Interest Spreadsheet

 

...It can calculate BOTH types of Interest as the same time btw...;)

 

 

...:)

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mtm

 

Can you explain why - statte of limitations say they cannot have interest on a deed after 6 years - yet the County court Act says they can....

 

Why is this so and which is right??

 

Jody

Jody123

Please note I have no legal training - the information I have has been gleaned from too many hours on this site! :-)

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mtm

 

Can you explain why - statte of limitations say they cannot have interest on a deed after 6 years - yet the County court Act says they can....

 

Why is this so and which is right??

s69( 8 ) of the aforementioned CCA specifically states...

 

(8) In determining whether the amount of any debt or damages exceeds that prescribed by or under any enactment, no account shall be taken of any interest payable by virtue of this section except where express provision to the contrary is made by or under that or any other enactment.

 

Therefore, the Limitation Act 1980 terms would carry precedence.

 

 

...:)

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mtm are you saying that where a claim includes interest under s69 on a mortgage shortfall that they are not entitled to that interest if more than 6 years have elapsed?

 

Jody

Jody123

Please note I have no legal training - the information I have has been gleaned from too many hours on this site! :-)

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hi mtm - you're right - they would be the mortgage lender....but I had asked on this point before and someone told me that interest would have a separate cause of action, so they could actually claim for the past 6 years.... and even after reading the s20 link you gave three times I still cannot get my head around it!!!

 

jody

Jody123

Please note I have no legal training - the information I have has been gleaned from too many hours on this site! :-)

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MTM,

 

Thanks for the input.

 

Regarding Chattels, S3(1) and S3(2) of the Limitations Act deals with conversion and caps the recovery period as 6 years. This case was brought before Court within 6 years, however, it remains unsettled. If (by procedure) it continued for 20 years, the OS would be liable for the interest (calculated daily from the date of damage).

 

S69(1) refers to simple interest, but this does not apply to a loan which attracted compound interest.

 

In contract, both parties must have an equal benefit.

 

Will research more tomorrow, and post what Counsel advises.

 

Tide

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In contract, both parties must have an equal benefit.
Not necessarily true - see http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/97691-contractual-interest-precedent-lost.html

 

Dad claimed compound interest on charges on this basis and lost on appeal

 

 

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Hey Tide,

 

Hope you got the case law that I sent you...if it transpires that your counsel think any of it is relevant would you mind posting the reference on your thread as I quite literally sent you what I had copied and pasted over the last year!

 

If you need a good law costs draftsman I can recommend a family member - who only ever works for the defendant, and for a percentage of the costs reduced (which is not a bad deal in my opinion), but obviously I am not touting for business on his behalf!

 

Let us know how you get on with counsel...again I can recommend a good solicitor in Bristol if you find that yours is a little too clicky!

 

Jody

Jody123

Please note I have no legal training - the information I have has been gleaned from too many hours on this site! :-)

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Tide

When it comes to costs I can help we have fought for 2 years and have won back 25% of the costs they charged us but you cannot go down that road till the end Just make sure your team ask for the costs to be assessed if not agreed

Were in court in two weeks re our claim that the estate agents under sold our house dodgy im afraid

Bona

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Many thanks Jo, the OS provided a decleration that the property was not sold to an associated company or person, although this was untrue. ROGER MICHAEL & ORS v DOUGLAS HENRY MILLER & ANOR (2004) is particularly interesting.

 

Costs assessment is also interesting, they had 4 (inc Counsel) in Court and tried to claim for these. Now they know they will be scrutinised, they have withdrawn these. May use your friend if I'm not happy with progress by end of this week.

 

Bona, very best of luck, go for the jugular, and don't allow any intimidation. Take your time over any last minute deals they may put forward.

 

Andrew1, always a pleasure.

 

Go get 'em guys, I'll be stepping up the pressure from this end.

 

Tide

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Thanks for you well wishes unfortunatley the otherside are such Bxxxxxds that we have had to go to our solictor who know needs the case put back as they havnt done proper disclousure so our expert cant do a proper report anyway lets hope this works There seems to be an understanding that an estate agent is due his commission if he sells your house regardless of the mess he makes this group is part of the Skipton Building socierty I wonder where I have heard that before

 

Im watching closely tide get them

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Hi All,

 

Just off the phone to my Solicitor, we will be disputing any costs claimed in full and pursuing the remainder of the claim asap.

 

Where the other side have attempted to claim ridiculous costs, does anybody know the best way to highlight or complain to a regulatory body and have their bill scrutinised? Bill assessed by cost draftsman appointed by Sols.

 

It is clear their bill is ludicrous, and I can prove it is clearly deceptive if not fraudulent.

 

Would the Law Society investigate if I complained?

 

Any help appreciated, PM if necessary.

 

Many thanks

 

Tide

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