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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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itrends (Dave) vs Nationwide


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Howdy all!

 

New guy here. Been through rough patches over the last several years and am now going to try and claim back all my charges etc, mainly from nationwide and barclays. Of course I will keep each applicable case in the correct forum area.

 

This one is for myself vs Nationwide. The charges come to around £650 - £700 in simple returned direct debit fees. I assume that this particular action of claiming the money back should be quite straight forward. I have 2 accounts with nationwide and love them as a bank and indeed their online banking. Ideally I would like to not have the accounts closed, however I would assume I can open one up with them again if they decided to close as they have to give me at least a flex account by law.

 

Anyway, I will keep things documented here. I have got some files, enevlopes, stamps etc so I can keep everything organised this end and have a full track record.

 

I have been able to get all the information from my online banking, though I will try to get the printed statements tomorrow from them so I have an official hard copy too.

 

As I said, I love them as a bank, just annoyed about the charges so will be claiming them back.... onward ho...

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Hi Dave, and welcome, I see you are claiming for returned DD's, have you incurred any charges for unauthorised overdrafts or like me don't you have that facility. Also you might like the bank, but don't you think that £650+ for the privilege of the banks making money out of your money is a bit pricey?

If what we say helps you, then please tip the scales.:cool:

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Agreed, it is pricey, but I do still love the bank and my local branch. Just plan to get back what is mine.

 

Correct in the fact that I have no overdraft etc. These charges are just for returned debits / SO :)

 

Dave

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A popular parachute account is Natwests Step Account, we've allready got one set up for when Nationwide spits the dummy and takes it account home, 'coz it doesn't want to play anymore.

 

(Sorry, I promise not to mix metaphors like that again)

If what we say helps you, then please tip the scales.:cool:

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I assume I will able to go back to nationwide and open a new account with them though should I want to as they legally have to provide at least the basic flex account to me. Or have I know got that all wrong?

 

Gets to the point where I wonder if it is worth claiming £600 odd quid back when its going to mean moving a load of standing orders, direct debits, and losing the best online and offline banking I have ever had... hmmm

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Its entirely up to you wether you want to claim the charges back or not , but when doing so you do need to read through the site for hours and days for a complete picture of the whole process.

I havent heared yet of anyone wanting to go back to their bank after an account has been closed! So I dont know what the situation is there though I do know you can take them to court if you want, if they do close your account - most people dont bother because theyre just glad to get their money back.

I also have a lot of DD`s etc with Nationwide but if I get my £2k back I`ll have money to cover the transitional period with my new account at Co-operative Bank. Most banks offer good online and offline banking facilities.

You need to depersonalise and be a bit more shrewd if youre going to go ahead with your claim! Vee

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Oh I am fully aware of all that. But I have had accounts with Natwest, barclays, Alliance, LLoyds etc etc so have had a taste of all... Nationwide have beaten them all hands down thus far, and the online banking system is miles ahead of the rest in terms of features and speed.

 

I have just filled in an application for Natwest and may look at Co-op, though I think my credit history may put a stop to that one ;)

 

I guess I will claim the money, if I lose the account, ho hum, but will try and apply for another in the future. It will either work or it wont :)

 

Still got to claim against barclays yet, and that figure should be far larger... :)

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Hiya Dave - Good to hear that your going ahead:) I can tell you that Co-operative Bank let me open a basic account with an electron debit card with absolutley no fuss and I have an appalling credit history at the minute - sorting that out but thats another story! Before trying them I had tried Halifax. It seems for people with a bad credit history that Nationwide basic account and Co-operative basic account are 2 of the top ones and I spent a lot of time searching the web.

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Got the reply from Nationwide today from Sarah Watson saying look at details of tarrifs and will not be refunding etc etc.

 

So which letter should I move onto now that I have had this reply?

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Itrends,

 

Appreciate what you say about Nationwide's internet being fairly user friendly. Their messaging facility leaves alot to be desired with posts awaiting a response for ends on. Halifax's online system is pretty good too with the ability to sort transactions in a more varied manner than Nationwide though Nationwide's drop down menu login system is in my opinion more secure.

 

Newbie here anyway so hope I'm not trashing forum etiquette by jumping on to your thread - gurus what happens if you have two accounts with Nationwide as I do and only want to claim charges on the one? Seems like Nationwide flips and closes accounts when challenged on charges. Will they close both or just the one I will be claiming on? Anyone been through this? Also do you think they would pull a credit card too? Ta.

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  • 4 weeks later...

Ok

 

I sent my initial letter asking for money back

got a reply saying sorry, cant help, write to claims etc

 

Sent second letter (think thats the LBA) and today I got back

"Following Richard Huntley's recent letter..."

and they say to go bank elsewhere as their charges are clear yadda yadda yadda

 

So what do i do now? Do I file a court claim against them for the charges?

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Hi Dave - 14 days from sending the LBA you then file your claim - providing thats what you told them you would do! Disregard the yadda yadda letters and stick to your timetable. Providing they dont pay up in the 14 days you can now add the 8% at court stage in your schedule of charges.Vee

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Thanks for that. I have used it too, just before you posted a reply :)

 

Now I have to work out the claim details to enter. Joy of joys.

 

I am innumerate, thus my number skills are not all that great, as such I don't think I will bother claiming the interest.

 

Dave

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Unless someone can help me work out the interest?

30 June 2005 Unpaid Direct Debit Fee . £28.50

30-Jun-05 Unauth Overdraft Fee .

£15.00 30 July 2005 Unpaid Direct Debit Fee (3) .

£90.00 30 August 2005 Unpaid Direct Debit Fee (4) .

£120.00 30 September 2005 Unpaid Direct Debit Fee (3) .

£90.00 31 October 2005 Unpaid Standing Ord Fee .

£30.00 30 November 2005 Unpaid Direct Debit Fee (3) .

£90.00 30 December 2005 Unpaid Direct Debit Fee (2) .

£60.00 30 March 2006 Unpaid Direct Debit Fee (4) .

£120.00 01 May 2006 Unauth Overdraft Fee . £20.00

30 May 2006 Unpaid Direct Debit Fee . £30.00

Sub Total: £693.50

 

 

So this would mean I put what in this paragraph...

 

5. Claimant claims: (a) return of the amounts debited of £XXXX; (b) Interest per S.69 County Courts Act 1984 of 8% - £xxx [enter interest total at date of claim] continuing at 8% until judgment or settlement at a daily rate of £0.xx;

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I have been trying to work this out. :(

 

I come out with 0.15257 which I guess is 15p per day. But then what do I do with this number? How do I work it into the paragraph and calculate the interest?

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Ok. Filled in all details with moneyclaim, about to pay and submit it.

 

Once I do, do I need to send anything to the courts or to nationwide?

 

If I do, what do I send? Just a letter confirming action taken and a copy of the costings spreadsheet?

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Bit late in my response... but better late than never!

 

I, too, want to keep my accounts with Nationwide. I fully understand the argument that I should not want to stay with a bank charging me ridiculous costs etc for returned DDs and unatuh overdraft fees BUT a quick scroll down the main page of the forum shows that almost all the banks are doing it. So why not stay with one I like, and importantly for me, one that doesn't charge me to take out my money abroad.

 

If you search for the thread about account closures, someone has worked into their particulars of claim that they do not want their account with Nationwide closed and this formed part of the Court Order. Worth a look, i'm afraid I'm not sufficiently technically proficient on a Friday to do a link, but it was replied to only a few days ago so shouldn't be too far down the list. Incidentally, I think you can probably just apply for an account a couple of days after the close yours. I suspect though that you may have to leave a couple of days after they close the one in question before applying.

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Agreed. I already planned on opening another after they close it...

 

that is IF they don't close my second account.

 

Because they messed up when i opened my account with them I have ended up with 2 seperate flex accounts and one savings account.

 

Hopefully they will only close one of the flex accounts and save me the trouble :)

 

Dave

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I also have two flexaccounts and a savings account (mine is e-savings though). If you are making no claims on one flexaccount and the savings account you may be ok, although I'm sure I recall reading somewhere that most people have had all accounts closed, even those they are not claiming for. But don't quote me!

 

I don't know at all whether this works, but if they do try and close all your accounts you can't lose anything by simply politely asking that they don't! Has to be worth a shot.

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