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    • 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.  
    • Sleep apnoea: used to require the condition  to be “completely” controlled Sometime before June 2013 DVLA changed it to "adequately" controlled. I have to disagree with MitM regarding the effect of informing DVLA and S.88 A diagnosis of sleep apnoea doesn't mean a licence wont be granted, and, indeed, here it was. If the father sought medical advice (did he?) : this is precisely where S.88 applies https://assets.publishing.service.gov.uk/media/64edcf3a13ae1500116e2f5d/inf1886-can-i-drive-while-my-application-is-with-dvla.pdf p.4 for “new medical condition” It is shakier ground if the opinion of a healthcare professional wasn’t sought. in that case it is on the driver to state they believed they met the medical standard to drive. However, the fact the licence was then later granted can be used to be persuasive that the driver’s belief they met the standard was correct. What was the other condition? And, just to confirm, at no point did DVLA say the licence was revoked / application refused? I’d be asking DVLA Drivers’ Medical Group why they believe S.88 doesn’t apply. S.88 only applies for the UK, incidentally. If your licence has expired and you meet the conditions for S.88 you can drive in the U.K., but not outside the U.K. 
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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I dont have a loan or any debt to this company now but ive emailed them asking them to remove my account, my details off their databases, card details, and phone numbers yet i can still log in.

 

i received a response saying they confirm i dont have a loan or any outstanding balance

and that they hope to be of service again...

 

is there anything more I can do to remove my whole details off their systems does anyone know?

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Had to apply again for loan from wonga, to be repaid on may 6th 2013, but due to go away at the end of april and have just been paid from work, but my spare money from this months pay, and the spare from next months pay will not cover what im due to repay in May. what do i do? should i wait until default?

 

Problem being, the account where the loan is paid into, is different to the one to the one that pays it back.

Is it worth getting a prepaid card and changing the details, but also im scared that if i give the Prepaid card details and they cant take the full amount, they will use the other two account details they have.

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Get in touch with Wonga via email. Explain your current financial difficulties and ask for a repayment plan.

 

Wonga have been rather accommodating for a while now and have set up repayment plans with not much hassle.

 

Would you be able to afford to pay back your loan over 12 months? £276 / 12 (about £23 a month?). Ask them if this is possible.

 

I've said recently that Wonga seem to be the best of a bad bunch!

  • Haha 1

It never rains but it pours...

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I know this but i have two different bank accounts registered with their site...one is where loan is paid into, and other is where loan is repaid from. I worry that should i not be able to make the payment and they cant take it from the repayment account, they will strip other one.

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Erm. Ok. I think I understand. I think I went onto my online Wonga account and just updated my bank details to the account that I wanted them to take the money from.

 

Might be worth having a look online before contacting them.

It never rains but it pours...

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I understand you but I cant change the place where the loan is paid into....I can only change where it goes from to repay them. Im concerned that they will raid the account where my loan is paid into if they cannot take it from the account they are supposed to.

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I currently have a wonga loan, I rang them and explained I could not make payment in 1. I asked for a repayment plan and they said ring 3 days before my due date. What info do I actually put in there online form when they send me the form? And do I need to make a payment on that day when I ring them?

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Thanks for that guys :) this has helped me alot as I have no idea how they go about it. Hopefully then I can just sort it on the phone to them tomorrow! I also dont want them to send any mail to my house, if I mention that to them it shouldn't be much of a problem hopefully! Thanks again guys :)

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Thanks for that guys :) this has helped me alot as I have no idea how they go about it. Hopefully then I can just sort it on the phone to them tomorrow! I also dont want them to send any mail to my house, if I mention that to them it shouldn't be much of a problem hopefully! Thanks again guys :)

 

 

 

You should never deal with these on the phone as there is no proof of it. However if you choose this method you need to get a confirmation email that its been set up and all charges and interest have been frozen. You will need to keep pushing them.

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Yeah I spoke to them about a week before, and they said to ring 3 days before my due date. If I now ring them tommorow, should I say that I would like the confirmation e-mail and account to be frozen or won't that happen anyway if I set up a plan?

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A friend of a friend asked me to ask you guys whether you know if Wonga take prepaid card details to help pay off their loan cos when theyve tried to give new details, it says 'mastercard debit and then it says there was a problem updating the bank details. Although it was a new prepaid card and the balance was zero. could this be why?'

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Hi turkwyfe4lyfe,

 

I've moved this thread to the PayDayLoans Forum and unapproved your duplicate post, you should get some help in this forum.

 

Regards,

 

Scott.

Any advice I give is honest and in good faith.:)

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Pre-paid cards can be detected by their card number. I would anticpate that Wonga's system detects them and forbids them to be used for setting up a payment authority. There are a number of exclusions for pre-paid cards such as pay-before-dispense petrol pumps so they are completely detectable in advance by merchants.

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Yes. He tried. But it said they encountered a problem.... like i said, it was a new p/p card with zero balance. But when you add a card, and it asks for the type of card...it has visa visa electron, couple of others, and Mastercard Debit... this p/p card is just mastercard only on logo.

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Yes. He tried. But it said they encountered a problem.... like i said, it was a new p/p card with zero balance. But when you add a card, and it asks for the type of card...it has visa visa electron, couple of others, and Mastercard Debit... this p/p card is just mastercard only on logo.

 

 

The idea with a prepaid card is to have money ON it before attempting to use it.

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