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    • Shein has been linked to unethical business practices, including forced labour allegations.View the full article
    • 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
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Trapped in payday loan rollover hell!!!!!!


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Hi All

 

I have never used one of these forums before so please bear with me. I have managed to get myself trapped with 5 payday loans - Wonga, Quickquid, Mr Lender, 1Month Loan & Payday Express. My husband lost his job earlier this year and as a "temporary" measure we stupidly took out these loans to make sure all of our priority outgoings were covered, ie. rent, council tax etc. It has got the the stage where I am rolling over each loan which is costing over £700 per month and leaving us very little to live on. All in all I think the amount of debt is around £3000 :!:

 

My credit score has improved slightly since it was very poor last year but it is still not high enough for me to take out a personal loan. I am worried sick at the amount of money we are paying out, especially as we are not actually reducing the debt, just prolonging it.

 

Is anyone else in this situation or has anyone managed to overcome it? I would REALLY appreciate any advice you could give me to escape this payday trap. I am aware that I have been overwhelming stupid in taking out these loans in the first place so please don't criticize me too harshly! I have learned my lesson and hopefully if I can ever get out of this position I will NEVER touch a single payday loan with a barge pole.

 

Any advice/help/suggestions would be greatly appreciated

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Hi and welcome

 

If you have 'Continuous Payment Authorities' set up with the PayDay companies, this gives them access to your account so you will need to rescind that permission. You don't have to tell the PDL, just your bank (IN WRITING)

 

In the library are some template letters to help you get started with the letters to each company explaining your circumstances and asking them to stop charges and interest.

DO NOT engage in any phone conversation with them as they will say one thing and mean another.

 

Remember, these debts are NOT a priority so they go to the bottom of the pile. If all you can afford after taking your ESSENTIAL expenses off is a pound a month, that is all you offer.

 

I did read that the PDL co's are trying to be more pro-active but the proof is in the pudding (so they say)

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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I've always wondered why people rollover the PDL loans and create more difficulties. Surely its easier to let the loan default and negotiate afterwards, then give in to the PDL's extortionate fees.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I've always wondered why people rollover the PDL loans and create more difficulties. Surely its easier to let the loan default and negotiate afterwards, then give in to the PDL's extortionate fees.

 

Lack of knowledge that CAG brings. Simples :-)

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Hi Guys thank you so much for responding. Can I ask, what is CAG?

 

Also, I have been trying to repair my credit rating which is why I haven't defaulted yet but it has now got to the point where I will probably have to.

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CAG is the abbreviation for this entire website.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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CAG = Consumer Action Group (you will soon get used to the acronyms)

 

Your credit file is the least thing to worry about. You won't be wanting credit again for a while, will you!!

 

There are other options open to you. You may be able to go with a debt management company (CCCS or Payplan) Do not go with a fee charging one as they are a waste of time (and money)

Dependent on your income, a Debt Relief Order (DRO)could be useful or an Individual Voluntary Arrangement (IVA) may help.

 

If you are not sure which way to go, give National Debtline a ring. They are non-judgemental (just like CAG) and quite helpful

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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I have been very lucky to have been in debt long before pay day companies raised their ugly heads so never needed them but if you look around the payday forum you will be able to read what others have done.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Slow and steady, dont bow to pressure from a creditor, but most of all, KNOW YOUR RIGHTS.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thanks guys. I actually feel I whole lot better knowing I am not the only one struggling. I have been worring myself sick for ages. I know it's my own fault for getting into this situation but when I have looked at these ridiculous interest rates these pdl companies charge it's unbelievable! I hope one day they are banned!

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Thanks guys. I actually feel I whole lot better knowing I am not the only one struggling. I have been worring myself sick for ages. I know it's my own fault for getting into this situation but when I have looked at these ridiculous interest rates these pdl companies charge it's unbelievable! I hope one day they are banned!

 

Everyone on this site has been in debt at some time or another. The reason this site exists is so people can be educated to their legal rights and to share their experiences, so others can benefit from them.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Well I will keep you posted on my progress once I decide what to do. Sorry if my naivity is annoying! It's just that I have never used these forums before and feel I bit lost.

 

No need to worry or apologise. If you are having a hard time with something, just ask.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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