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    • @defender90 welcome to the forum and it's very interesting news that new say that you have evidence. Any chance that you might start your own thread and tell your story there. We may be able to offer you help – but more importantly, the more threads there are with the name and the business name et cetera in the title, the more likely that Google is going to pick it up and that may attract others. Would like very much to know what the evidence is that you have 
    • Bum deal on Covid tests   https://www.euroweeklynews.com/2021/01/27/bum-deal-chinese-health-authorities-begin-anal-covid-swabs/
    • Hi guys.   Ok - so since I was last here I have set up a new basic bank account, which my salary and priority dd's will come out of from March.   Just wanted an opinion on a couple of thoughts I've had -   1) I have just agreed with my mortgage provider a 3 month covid payment holiday, which will help for the short term - however, I have an overdraft is with this bank. Am I causing a problem if I contact them now about my financial situation, or should I leave it until the holiday ends?   2) My salary has recently come down, which is a contributing factor to my plight - However, my income over the last few months will not reflect this. On my budget sheet, I have put in the new ongoing i and e.  Is my bank likely to turn down my request of freezing interest etc. on this basis? They can see what has been coming in and going out. I'm concerned they'll think I've been creative with my income sheet?! Or can I simply refer to this new situation in the pro-rata letters?   Thanks again.   A  
    • Hello Taxhelper   Thanks again . Your so kind and Im very grateful.   I am about to submit the form in the next few hours. Before clicking the submit button there is a calculation page that has been generated by the site based on the info I provided ( income from PAYe and income from self employment etc...with all expenses deducted). their calcs are correct.   The figures are correct and I do owe them a sum as well as 1st payment on account for 20-21. I just am not sure I can pay the lot by 31/1/2021 because I did not anticipate that the hospital may not be able to pay me on time ( my jan pay). Thats because I did submit my 'timesheet' to the HR on time but they delayed processing it in time for it to be paid by the end of this month. They have said they have asked for an exceptional CHAPS payment to be made but I remain uncertain whether they will pay it into my account by then or not. thats why i wasnt sure if its best to call HMRC and give them the heads up or not.  
    • Current account switching continued to bounce back in the last three months of 2020 as customers took advantage of three-figure switching bonuses from Britain's biggest banks. View the full article
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
      I opted for mediation, and it played out very similarly to other people's experiences.
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
      Many thanks, stay safe and have a good Christmas!
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies

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Hi, am hoping I can get some pointers about my situation.



My mother died on 11 July this year, she lived in a 1 bed-roomed flat via Bradford Council (incommunities now) on a secured tenancy. She had been a council tenant since 1993 (although not the same house, but, the same tenancy as she did inter-tenant swaps) she was in her last property for 7 years.


My nephew, her grandson, now 17 (well 18 tomorrow 13 October) has lived with her for several years, my mum pretty much brought him up, although not legally by adoption or anything.


Now on the death of my mother we applied top the housing officer for a succession of the tenancy to my nephew, we were told to provide proof that he was residing for last 12 months.


This has been hard to come buy, as he was under 18 and all the bills were in my mums name.


Anyway, we only notified the council 2 weeks ago as we were grieving, we had an appointment where we were told to go gather evidence and report back. This appointment was 8 days ago.


We have now received a letter yesterday stating the succession application was unsuccessful as we had not provided prove of residency.


The only way we can prove it is by Subject Access Requesting his last school where his school records will show the address of my mothers flat.


We were given 5 working days to get this proof which is not long enough.


In their letter, they have given my nephew 72 hours to vacate the premises.





1) Can they just come straight in an change the locks and throw my nephew out?

2) Should they have given more time for us to prove residency?

3) Can we appeal?

a) Is there any basis in law where we can appeal, or is it just at the discretion of the housing office?


4) Where do we go now?



Please any suggestions at all would be great, we don't want to be emptying the house with little under 48hrs to go.


My nephew will have no where to live, he does not see or associate with his mother or father, and I just do not have room, although I will not see him sleeping rough so will offer him a couch, as I have a family of 5 in a 2 bedroom house myself.



Thanks in advance




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was your mother getting the single person discount on council tax?,they would have asked her if anyone else was living there at some time,did she declare that your nephew was staying there? if the councils evidence is that no one but your mother has been declared as living there,also her benefits would have been adjusted for someone else living there,the council will disregard someone showing up,as they see it,and asking for a succession of tenancy

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Places that you could request a letter from (not sure why you're going straight to "SAR" when you don't appear to have asked nicely)_





If your nephew is 17 (now 18, happy birthday to him!) then he should have been put on the electoral register (there's a bit to put 16/17 year olds on so that when they turn 18 they're eligible to vote) - that in itself may be proof enough?

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Main question at this stage is.


They want the keys and house back tomorrow after less that 7 days notice.


Do we have any legal standing to stay while apealing?


Do they need a court order?


Or will they just turn up tomorrow and be allowed to take possession.


Need help quick if anyone can answer these questions

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