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    • Hello Friends. I cannot believe it but im being evicted again, i was given a section 48 notice 4 months into my tenancy. I already went through this process last year, i overstayed in my last place by a few months and left on 6th Oct 2023. I knew to check all the documentation that they sent to see if the notice is legal, it looks like it is. I took this place out of desperation as i had to vacate that last place. I hate this place so im not bothered about leaving it.    These cowboys lied to me when i viewed the house. I told the agent that i was evicted from my last house and naturally i dont want this to happen again. She said  the landlord has no plans to sell the house. What she did not tell me was that the landlord had tried to sell the house last year and failed. So it looks like they have used me to fill in the short period of time until its time to sell again. I did see it advertised online.   I told them im not in a strong enough financial position to find another property, cost of a deposit, 1 months rent and moving costs.   They have told me they are starting legal proceedings. They have sent me an invoice for £395 but i have not even received the court paperwork.    I dont like the job im in so i have decided to relocate to a better job and hopefully find cheaper rentals.   I can post a copy of the notice if needed.  
    • yes a judgement sorry I used the wrong word before
    • Hi So on Friday I received a copy on email from the claimants solicitors with an attached relief from sanctions application - on the basis that the solicitor missed the deadline for the additional directions and it was an oversight on their part and that the claimant should therefore not suffer.   They then attached a copy of the deed of assignment and a new witness statement.  They stated that they would be happy to delay the court date by 28 days but that they believed both parties were ready for the court case on 7th June. My first question, is there anything I need to do or do I just sit and wait to see what is decided?  Secondly, is it likely the judge will be aware that the claimants solicitors did exactly the same in the set aside court case (ie they filed their court bundle late and applied for relief from sanctions on the morning of the court date, and my solicitors had no choice but to agree because they threatened to strike my case out because my solicitors had only filed their court bundle by email and not post).  This is a clear pattern of how these solicitors work rather than it being a one off oversight! 
    • I shall find the link later this evening. It was about couples not living together but being liable for council tax. I was never married or in an official civil partnership. We lived together for 18 months, I then left for 6 months for work but continued to pay my half of the bills and rent.   We then split up I gave up my tenancy she took it all in her name. She then decided to move in with me 5 months later. She then banned me from going back to my house eventually let me back in then called the police. Took over my house and is now only paying the rent not the bills so I will be landed with those to. So over the course of our relationship I have ended up paying her debts for 5 different addresses, personal loans and credit cards. If I refuse to pay them she makes more accusations.
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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PPI calcultion help HBOS


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Hi everyone. I have received my SAR from HBOS for my credit card started in 1999 which I closed in 2007 (and yes they have sent statements for all of these dates :-o) I am now completing the running PPI calculator but do I need to continue after I cancelled PPI in 2003 or do I continue to the card cancellation date

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Hi

 

Continue to the card cancellation date, that way you have a full reconstruction of the account

 

ims

 

 

PS...are you saying you got statements/transaction history back to 1999?

 

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I finally stopped in Dec 2005 as all the statements after that had a zero balance, So being realistic what can i roughly expect to get from them, Would it be just the PPI or would I get simple 8% or can I expect the compound interest too. I have been self employed since I was 18 years old so it was definatley a mis sell

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Thank you, Should I put the calculation sheet in with my claim letter? ( Sorry for all the questions this is my 1st one)

 

Don't worry about questions....that is what we are all here for.

 

Yes included a copy of the spreadsheet with your claim letter. Don't forget to also send the completed fos questionnaire

 

ims

 

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  • 1 month later...

Today I have recieved a rejection from HBOS for my credit card claim

 

My reasons for mis sell were, I have been self employed since the age of 18 and I have always had a seperate insurance in place in the event that I couldn't work and any policy would of been no good to me. Also I was not aware of the PPI being added to the account.

 

Their reasons for rejection are.

I applied for the PPI by direct mail ( I don't remember doing this)

 

The policy documentation would of explained the limitations of the PPI and I was not significatley affected by the exclusions. (surely any exclusions make the ppi not worth having)

 

The CCA shows an additional signature in the consent form to confirm that you wanted PPI added to your account. (There has been no copy of the CCA sent to me when I SAR'd them. The account was closed in 2007 so I didn't expect one )

 

So my question is do I contact them again stating my points above or do I go direct to the FOS

 

Thanks

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Hi

 

If it were me I'd write back and refute each point on which they base their decision and go into as much detail as you need to.

 

Tell them that if they have this evidence of your signature on a consent form you want to see it and they should send it to you. Ask them to explain why this piece of personal data was not sent to you with your SAR request as you are sure the ICO would be interested in the reasoning behind withholding data.

 

I would give them one more go purely because fos will take a long time and if you can resolve this yourself it will be quicker.

 

ims

 

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