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    • Hi All,   I was going to post an update after a month had passed since I sent my SN but didn't get around to it, after about two weeks I received a letter from Highview letting me know the opportunity to appeal had been missed, Shame, lol! .... Anyway, on Sat 13th (the 13th! Aaarggghh! 🤣) I received a Claim Form from DCB(L) .... seems they wish to pursue the matter through the courts! These people really are tiresome ....   Details to follow ....   (EDIT: just noticed this is the 13th post as well! .... not that I'm superstitious, lol! 😂)
    • I have just checked Experian too and there is nothing on there about CCJs or any other suspicious or adverse info that would impact me like this, other than my present situation of course.   Bankruptcy, CCJ or IVA This includes court judgments (CCJs), debt relief orders, bankruptcies, individual voluntary arrangements (IVAs) and other public records recorded against you. You have no public records. GAIN (Gone Away Information Network) Lenders use GAIN to tell each other about customers with unpaid debts. If in the past you’ve left unpaid debts when living at a previous address, you may appear on GAIN and so lenders may be less likely to give you credit. You have no GAIN records.
    • I think I might have had a CCJ but it was way longer than 7 years ago and I have been able to apply and get loans, credit cards etc. I have been pretty fine with my finances until now, until this mess I managed to get myself into this year   There is nothing showing on the TransUnion credit report about an old CCJ. Is there another place I can look to see if there was one and if so how long ago?  I have signed up to TransUnion and on there it says (in Search History):   ORGANISATION PURPOSE DATE Transunion Consumer Id Check (Ml)   Identity Check for Credit 15 Apr 2024   Nationwide Building Society (Sr,Tac,Ct,Cval,R) Nationwide Building Society Bav (Cval Ml) Anti-Money Laundering 11 Apr 2024   Monzo Bank (Cosmos, Cr, Sa, Ar, Ct Batch) Monzo Bank Limited 2 (Cosmos Ar) AF 10 Apr 2024   Monzo Bank (Cosmos, Cr, Sa, Ar, Ct Batch) Monzo Bank Limited 2 (Cosmos Cr Bsb) Quotation Search 10 April 2024 I think AF means a financial association with someone or something, but I have just read that that could be something as simple as sharing an address with someone (which I do).    Public Information Details of any Bankruptcies, Insolvencies or Court Judgments that are in your name in relation to settlements of money. Bankruptcies and Insolvencies You do not have any Bankruptcies or Insolvencies on your credit report. Judgments You do not have any Judgments on your credit report. There are no Cifas markers registered against you. You do not have any Notices of Correction on your credit report. Does any of this make sense? I don't mean the information I have provided above, I mean why I am being rejected by every bank I have applied for, except Monzo (so far) Every loan I have ever taken out has been paid and settled on time, I have never missed payments on things. The only things I have outstanding at the moment are the ones I listed at the start of this thread when I completed the budget planner. 
    • have you got any more historic defaults or CCJs (Say, in the last 7 years) that you think would still be showing on your credit record? Something's not adding up here.
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    • Hello,

      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.  

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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Govan Law Centre's call for a mass challenge of bedroom tax housing benefit decisions


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Mike Dailly of the Govan Law Centre has written a guide on how to challenge a decision which can be downloaded from here:

 

http://www.govanhilllc.com/brtax/

 

 

Although written with a Scottish audience in mind, all of the arguments apply equally in England, Wales and NI.

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just giving this a little nudge.

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Just to let you know, citizenB, that - for me at least but presumably others - there is a problem with the mini form Govan are asking you to submit. Everything is ok and can be filled out until you come to the last box. This is where you retype the code you see. Unfortunately the box to retype the code into doesn't seem to exist ...

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Just to let you know, citizenB, that - for me at least but presumably others - there is a problem with the mini form Govan are asking you to submit. Everything is ok and can be filled out until you come to the last box. This is where you retype the code you see. Unfortunately the box to retype the code into doesn't seem to exist ...

 

Try this http://www.govanhilllc.com/brtax/brtax.pdf

 

Corruptissima re publica plurimae leges

 

Being poor is like being a Pelican. No matter where you look, all you see is a large bill.

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I've saved that as when a child leaves sometime soon I will be charged HB and may well challenge it. Mind, I will also be applying for DHP as I am legally tied to a DFG for another 3yrs 9 months which I'd have to pay back if I moved out before then. Would I be able to appeal the decision AND apply for a DHP?

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Sorry about that, I will try and get a message to Mike Dailly who produced the form and see if there is anything that can be done.

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Sorry about that, I will try and get a message to Mike Dailly who produced the form and see if there is anything that can be done.

 

It would be good if folks having trouble could post up the name and version of the browser they're using - that might help the page designers figure out what's up.

 

Looks OK to me in Firefox 20, Windows 7/64.

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Fine in latest version of chrome on OS/win 7 64. My guess is its just a CSS issue. Some browsers render them pretty weird.

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..

 

 

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Is there any chance this could go out as a news email to all CAGgers as there is only one month to appeal and many may lose out. Time is of the essence here.

 

 

Yes, we do plan on including this in the CAG newsletter for the next issue.

 

Itactually says:

 

If you have been issued with a 'bedroom tax' decision by your local council you only have one month to challenge it.

in other words, you have a month to appeal once they have notified you that you will be losing benefit.

 

I would think these letters are being sent out over a period of time rather than en masse.

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1: How can BCOBS protect you from your Banks unfair treatment

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I would think these letters are being sent out over a period of time rather than en masse.

 

Letters would have gone out as part of the annual uprating, so might have been spread out over a few days, but normally they are all out by end of March

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according to the GLC twitter, 4,000 people across the UK have downloaded the toolkit.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Charity wins appeal over bedroom tax for Sheffield family

 

A CHARITY has secured exemption from the ‘bedroom tax’ for a Sheffield family – and say others could have success too.

 

The family were originally told by Sheffield Council that they would have to pay the tax because their children could share a bedroom – despite one of them being severely disabled.

 

The Sheffield Law Centre successfully argued the ‘tax’, which came into effect last Monday, was a breach of the family’s human rights because they were not being treated differently from non-disabled families, despite the impact of the bedroom tax being worse on them than families where children can share a room.

 

The verdict means the family, who declined to be named, will now not be penalised by the bedroom tax.

 

http://www.thestar.co.uk/news/charity-wins-appeal-over-bedroom-tax-for-sheffield-family-1-5564992

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