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    • gives them a feeling of grandeur. dx  
    • yep they can be a bit like the TV licencing lot. for 4yrs ive been getting a series of about 8-10 diff letters that just go round a loop. currently upto 61
    • thread tidied. new thread for the court claim is here  
    • new thread created for this claimform please post here now for anything to do with it now . pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’. Choose ‘Create sign in details’ to register for the first time. You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID. You should make a note of your memorable word, or password as these are not included in the email.  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .. get a CCA Request running to the claimant . https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . .use our other CPR letter if the claim is for an OD or Telecom Debt or Util debt]  https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ on BOTH type your name ONLY Do Not sign anything .do not ever use or give an email . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............  
    • Which Court have you received the claim from ? Northampton  Name of the Claimant ? lowell Solicitors : Overdales solicitors  How many defendant's  joint or self ? Self Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to.  13 may 2024 What is the claim for – the reason they have issued the claim? 1. the claim is for the sum of £6163.61due by the defendant under an agreement regulated by the consumer credit act 1974 for hsbc uk bank plc. Account (16 digits) 2. The defendant failed to maintain contractual payments required by the agreement and a default notice was served under s 87(1)  of the consumer credit act 1974 which as not been compiled with. 3. The debt was legally assigned to the Claimant on 23/08/23, notice on which as been given to the defendant.  4. The claim includes statutory interest under S.69 of the county courts act 1984 at a rate of 8% per annum from the date of assignment to the date of issue of these proceedings in the sum of £117.53 the Claimant claims the sum of £6281.14. Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ?   Not to my knowledge. Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Do you recall how you entered into the agreement...On line /In branch/By post ? Online but it was for a smaller amount they kept on increasing this with me asking Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. It was assigned to a debt collection agency  Were you aware the account had been assigned – did you receive a Notice of Assignment? yes  Did you receive a Default Notice from the original creditor? Yes I also made offers to pay original creditor a smaller amount but was not replied to Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? No Why did you cease payments? I was made redundant and got a less paid job I also spent some time on furlough during covid and spent some 3 months on ssp off work. What was the date of your last payment? May 2021 Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes at the time I communicated with all my creditor's that I was running out of funds to pay the original agreements once my redundancy money ran out that was when my accounts defaulted. I then wrote to all my creditor's with pro rata offers of payments but debt collectors took over the accounts.
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Under Occupancy Tax


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Morning all

My Housing Association wrongly told my council that my house has 4 bedrooms which meant my Housing Benefit was cut and I had to pay the bedroom tax. Yesterday the HA finally said it is a 3 bed house.

As money is very very scarce at the moment how do I claim this money back? The HA said they wont give me a refund as my rent is already set for a 3 bed house.

Many thanks for all help and advice.

LT

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I don't know how all this works, but if this was me I would be advising the council in writing of the error (you need the HA to confirm in writing its a 3 bedroom and not 4) send copy to council etc, any adjustments should then be made, as the error was not your doing.

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Surely you should be reimbursed housing benefit from the council, when they adjust your claim after the error.

We hang the petty thieves and appoint the great ones to public office ~ Aesop

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it may depend upon whether are you up to date on your rent account or in arrears

 

when the council reassess your hb, they will credit the difference to your HA rent account

 

if you are up to date, this will result in a credit on your rent account which you can request be refunded to you

 

if you are in arrears, any payments you made would just be offset against the arrears

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First things first

 

What does your Tenancy Agreement say the property is 3 or 4 bed?

 

Do you have anything in writing from the housing association stating your property is a 3 bedroom from (Date your HB was reduced by 14% extra bedroom)?

Edited by stu007

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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

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Hi little teacup

 

sorry for not getting back sooner, right what I think you will need to do here is

 

1. Make a Formal Complaint about this to the Housing Association concerned getting written confirmation.

 

2. Once you have written confirmation from Housing Association write to the Housing Benefits Team of council enclosing a copy of that letter requesting that your benefit decision is re-looked at due to this error by the Housing Association.

 

Suggestion on letter to Housing Association - (Always keep a copy for your records and keep Proof of Posting)

 

You’re Address

Their Address

Date:

 

 

FORMALCOMPLAINT

 

 

DearSir/Madam

 

Housing/Tenancy Reference No:

 

I must now formally complain about the actions taken by the (Insert Housing Association name) in wrongly informing (insert councils name) that my property was classed as a 4 bedroom property as due to these actions the council imposed the extra room charge on my Housing Benefit of a 14% reduction.

 

This only came to light after receiving correspondence from the council of the imposed housing benefit reduction and why to my benefit. The reason for this imposed charge was the information received by the council from the housing association which was incorrect.

 

On 10th May 2013 I was informed by the Housing Association that the property is actually a 3 bedroom property and that they will not compensate for this error as the rent for the property is already set at the 3 bedroom property rate.

 

Due to this I require the following:

 

1. Clarification as to why the rent for the property is set at the 3 bedroom property rate but the Housing Association informed the council it was a 4 bedroom.

2. Clarification that the Housing Association has informed the council (housing benefit department), that the property is a 3 bedroom and not a 4 bedroom property as initially informed by housing association from the actual date this error occurred.

3. Full copy of the properties details as held by Housing Association to include bedrooms.

4. Copy of Rent Statement from Dec 2012 to date.

5. Copy of your Complaints Procedure.

6. Copy of your Customer Care Standard/Charter.

7. Full explanation as to how this was allowed to happen and what actions the Housing Association is taking to rectify this matter that has caused distress and financial hardship due to this error.

 

Yours Sincerely

 

 

Print Name

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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

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in addition to the information that stu007 has requested, I would be tempted to request "a full written explanation of the calculation that has been used to determine the rent charged"

 

...because if there records showed the property to have been 4 bedrooms, then they may have been overcharging you rent since start of tenancy

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