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    • That is great news. Many people would have given up and paid after losing two appeals so well done for hanging in and fighting. It has paid off and they have finally backed down before getting whipped in Court. I looked at your NTD and your NTK again to see if there was a chance of going for a breach of your GDPR. Sadly although your NTK on its own could have well deserved a claim, the NTD is good enough not to warrant a claim even though it wasn;t compliant with PoFA. As it is the first Notice that mostly accounts for  GDPR breaches there is a reasonable cause for the NTD to have been issued. However you are now freed from worries about appearing in Court and you have learnt about the dangers of parking especially where the rogues that patrol private parking spaces are concerned. Thank you for making a donation and should you fall victim in the future to the parking rogues or anything else that we protect from, you are always welcome .
    • Hi guys I'm about to submit the defence as per below     There has been no reply to our CPR 31:14 request.  Is it worth adding that I (driver, not registered keeper) didn't actually enter or park in the car park and was sat at the petrol station forecourt the entire time?  Or is that covered by the simple points?   Thanks
    • a DCA is not a bailiff and cant enforce anything, even if they've been to court who are they please? sar to the original creditor FIO isnt applicable they are not a public body. who was this query sent too all the more reason to teach her young upon how these powerless DCA's monsters  work... she must stop payments now  
    • Unsettling the applecart?,  I'm going to be direct here, I know how this works , I've been in far worse situation than your relative, and I can assure you , now that there i likely a default in her name, it makes absolutely ZERO difference if she pays or not. Denzel Washington in the Equalizer , 'My only regret is that I can't kill you twice'... It's the same with a default, they can only do it once and it stays on your credit file for 6 years if she pays or not, and as it stands right now she's flushing £180 of her hard earned money down the toilet  so that the chaps at Lowell can afford a Christmas party. As for the SAR this is everybody's legal right, originally under the Data Protection act 1998 and now under GDPR, it's her right to find out everything that the original Creditor has on her file, and by not doing it the only person she is doing a massive disservice to is her self. As the father of 2 young adults myself, they need to learn at some point.. right?
    • Thank you for your pointers - much appreciated. dx100uk - Apologies, my request wasn't for super urgent advice and I have limited online access due to my long working hours and caring obligations - the delay in my response doesn't arise in any way from disrespect or ingratitude. I will speak to her at the weekend and see if she will open up a bit more about this, and allow me to submit the subject access request you advise - the original creditor is 118 118 loans and from the letter I saw (which prompted the conversation and the information) the debt collection agency had bought the debt from 118 and were threatening enforcement which is when she has made a payment arrangement with them for an amount of £180 per month. It looks as if she queried matters at the time (so I wonder if I might with the FIO request get access to their investigation file?) - the letter they wrote said "The information that you provided has been carefully considered and reviewed. After all relevant enquiries were made it has been confirmed that there is not enough evidence present to conclusively prove that this application was fraudulent.  However, we have removed the interest as a gesture of goodwill. As a result of the findings, you will be held liable for the capital amount on the loan on the basis of the information found during the investigation and you will be pursued for repayment of the loan agreement executed on 2.11.2022 in accordance with Consumer Credit Act 1974"  The amount at that time was over £3600 in arrears, as no payments had been made on it since inception and I think she only found out about it when a default notice came in paper form. I'm a little reluctant to advise her to just stop paying, and would like to be able to form a view in relation to her position and options before unsetting the applecart - do you think this is reasonable? She is young and inexperienced with these things and getting into this situation has brought about a lot of shame regarding inability to sort things out/stand up for herself, which is one of the reasons I have only found out about this considerably later Thank you once again for your advice - it is very much appreciated.    
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Becoming evicted, advice please on temp accomidtion/homeless


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Im surprised that your council have not been more forthcoming, especially as there is a child involved.

 

Many councils will wait until the last minute then will offer you some accommodation, whether it will be a temp hostel or housing. They often wait like this so to give you a chance to find something on your own.

 

Have you got yourself on the housing list, I know it dosnt help at this present time but at least you are on the list and can be assessed.

 

I have never known the council here, essex, to wait for the bailiffs to turn up, some thing will be done before that. Have you been offered anything from the council at all. where they are likely to house you as an emergency case.

 

As for broadband they usually hold or cancel if you move into a property where you cannot have BB and as for the other utilities just inform them of the situation as long as bills are paid up to the date when you moved out there should be no repercussions.

 

It does sound scary, its because its not knowing, but hold in there ok, you wont be left on the street. :hug:

have you popped in to see your MP, you never know, they may ba able to help you

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Im surprised that your council have not been more forthcoming, especially as there is a child involved.

 

Many councils will wait until the last minute then will offer you some accommodation, whether it will be a temp hostel or housing. They often wait like this so to give you a chance to find something on your own.

 

Have you got yourself on the housing list, I know it dosnt help at this present time but at least you are on the list and can be assessed.

 

I have never known the council here, essex, to wait for the bailiffs to turn up, some thing will be done before that. Have you been offered anything from the council at all. where they are likely to house you as an emergency case.

 

As for broadband they usually hold or cancel if you move into a property where you cannot have BB and as for the other utilities just inform them of the situation as long as bills are paid up to the date when you moved out there should be no repercussions.

 

It does sound scary, its because its not knowing, but hold in there ok, you wont be left on the street. :hug:

have you popped in to see your MP, you never know, they may ba able to help you

 

Hi everyone thanks for replies.

 

We are on the housing list. Have been for 8 years.

 

I already have housing trust helping me and a case worker there, they work just the same as shelter.

 

I've spoken to shelter who advised me on joining the housing trust which I have.

 

We will be put in emergency accomidation around 12-13th this month. We will stay there until we are put in tempoary accomidation.

 

It's just a very insettling situation to be in.

 

(Sorry for spelling am rushing)

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lets hope it wont be long

 

The lady was quite frank said emergency accomidation can be full of recovering alcoholics/drug users. She said we'll stay there for 6 weeks before moving into a more family suitable place like a small temporary flat but it does depend on what's available. I'm terrified really I've packed 5 boxes so far but I know tonight I will panic.

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I think someone has already mentioned calling your MP but have you already contacted your local ward councillor? They are a mixed bunch, but some can be very helpful.

 

I've never heard of a ward councillor???

 

I really don't know about contacting my mp I'd like to but what would I say or outline my visit with ?

 

Thanks for reply..I'm feeling very fragile this evening :(

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Hang on in there Shreddies, you've been really strong and I think you'll be fine. We're all allowed a little wobble from time to time.

 

I'm sure DD will be back to tell you more or someone else will know about councillors. But I think the word 'ward' refers to your particular little part of the council's area. So the councillor who looks after the part of town that you live in. If I'm wrong, I expect DD will put me straight. :)

 

HB x

Illegitimi non carborundum

 

 

 

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The worse of it is over, at least you know you are going some where and not out on the street, I doubt very much you will end up in a place full of druggies and drunks etc, that would not be a wise move from the council, they tend to say these things in the hope that you will find something for yourself, hang in there ok, try and be strong for your little un ok. Have you any family around you who you can go and talk to about this

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Hi shreddies,

 

Honeybee is right. Each borough council is divided into wards, and each ward has a certain number of councillors depending on its size. It depends where you live - town or country. If you go on your borough council's website you should be able to type in your address and be directed to your little area's ward councillors. It doesn't matter whether they are in the political party you support, they are there to represent everyone in their ward. If you can't find it tonight, call the town hall in the morning and they will tell you the name(s). District council's vary; some will give you your ward councillors' telephone number, but others you need to contact by email. They usually have some details about the councillors so start with the one who sounds most helpful, and if you don't get a response quickly then try the next one.

 

You are being strong, and I know everyone here will do as much as they can to point you in the right direction for help.

 

Many of us here, including me, have been through our wobbles and we will do our best for you.

 

Big hug,

 

DD

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Hi shreddies,

 

Honeybee is right. Each borough council is divided into wards, and each ward has a certain number of councillors depending on its size. It depends where you live - town or country. If you go on your borough council's website you should be able to type in your address and be directed to your little area's ward councillors. It doesn't matter whether they are in the political party you support, they are there to represent everyone in their ward. If you can't find it tonight, call the town hall in the morning and they will tell you the name(s). District council's vary; some will give you your ward councillors' telephone number, but others you need to contact by email. They usually have some details about the councillors so start with the one who sounds most helpful, and if you don't get a response quickly then try the next one.

 

You are being strong, and I know everyone here will do as much as they can to point you in the right direction for help.

 

Many of us here, including me, have been through our wobbles and we will do our best for you.

 

Big hug,

 

DD

 

 

 

Thank you everyone for replies, it really brought tears to my eyes:(

 

I'm going to check who us my ward tonight and contact them...but I have no idea what to say? Of course I need support with housing bug I'm not really sure what I should ask.

 

As for family my parents live in Germany, they have for two years now and my sisters baby is due soon do they are not much interested with what I have to say.

 

Thanks everyone so do much

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No need to apologize at all.

 

Firstly, find out what the contact details are - telephone or email. If it's email, I'll draft something for you.

 

If it's the telephone, there may be a secretary if the councillor is based at the Town Hall.

 

The important thing to emphasise is that you have a child of 7, and that you've been told you may be in accommodation with drug addicts, etc. That must come first. Then you can say why you are about to become homeless, that you work, have been on the list for eight years, etc.

 

If you would like to, you can send me a p.m with the councillor's name and if there is a secretary I could sound her out generally and see if she sounds kind and helpful or not. Obviously I wouldn't mention you or the forum but it would be good to see if she's likely to be helpful.

 

DD

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No need to apologize at all.

 

Firstly, find out what the contact details are - telephone or email. If it's email, I'll draft something for you.

 

If it's the telephone, there may be a secretary if the councillor is based at the Town Hall.

 

The important thing to emphasise is that you have a child of 7, and that you've been told you may be in accommodation with drug addicts, etc. That must come first. Then you can say why you are about to become homeless, that you work, have been on the list for eight years, etc.

 

If you would like to, you can send me a p.m with the councillor's name and if there is a secretary I could sound her out generally and see if she sounds kind and helpful or not. Obviously I wouldn't mention you or the forum but it would be good to see if she's likely to be helpful.

 

DD

 

 

Thank you!! You are so kind I'm so grateful you would do that for me.

 

I'm going to check the details in a moment of the councillor, I have to work tomorrow until 5 so I won't get much done in terms of my situation. I told my manager earlier all that is happening and she has offered me time off next week which is great.

 

I'm so great full for everyone's help here! I wish you all lived near by.

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I know families can be difficult, but do your parents actually know how bad things are? Even if you think they wouldn't help you, surely they wouldn't see their grandchild go through this? Are you absolutely certain they wouldn't lend you a deposit for a flat, even if it has to be a very small flat? How about your sister? She is the aunt after all.

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I'm very happy to do what I can. If you can get the councillor's details tonight or first thing tomorrow I'll see what I can do tomorrow.

 

Also, why don't you ask everyone at work if they could email their friends about a flat. You don't have to tell them how awful the situation is - not their business at all - just that you are looking for a new flat.

 

Absolutely anything is worth a try. I once found a flat through a friend of a friend because the girl was getting married and her fiancé lived miles away and she didn't want to sell the flat. Just explore as many options as you can in the next week or so.

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Also, Barnardo's can help with accommodation in some areas if a family with a child is about to become homeless, or if they can't they may have more contacts. It's worth calling the South East Regional Office which is on 01293 610660. The switchboard couldn't give much information but you can leave your number and a duty officer will call you back.

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There is also Southdown Support 4 Housing. They get referrals from the Council, but have just started a scheme where you can apply directly to them. They are on 01273 645430.

 

Yeah this is the one I use now. They are very good.

 

Thanks everyone for replies

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