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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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welcome finance on credit report help


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hi there ,im not sure if posting in right place

im trying sort out a old debt with is on my credit report and keep getting marker each month as late payment and only thing on file stopping me getting credit ,I give u info what happen

in 2006 I stupidly took hp car finance with welcome finanace at time I had no choice ,only insurance I took with it were mechanical breakdown and shortfall extra

in 2009 I decided to termination my agreement and would owe nothing if I had paid over 4827 ,I had actually paid £6300 so thou great

think they said car was taken to auction and didn't get much as they thought for it,and said I was liabiable for £2336 ?

I refused pay as I gave car back and had already paid £6300 ,over years money been great for me but only thing is nitemare is they keep reporting missed payments on my credit report for the £2336 they say im liabiable for ?

are the right and what can I do get get this off or sorted on my credit file

thank u

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Hi What exactly shows on your credit files, when was the account defaulted if it has been?

Welcome now only exists to collect the outstanding book debts, many of the accounts have never

been defaulted and will suddenly appear in the hands of a debt collection agency with a very late.

default made.

 

Technically the report is correct if the account has not been defaulted.

 

I think it would be advantageous to make a Subject Access Request under the Data Protection Act 1998 to get all the data Welcome hold on the account, and maybe get to the bottom of what the car was sold for.

There is a £10 statutory fee for the SAR and Welcome have 40 days to comply if you use a cheque or postal order for the fee mark the front and reverse ''for statutory fee only''.

 

There is a template for this in the CAG Library, the SAR is addressed to The Data Controller, us RM recorded delivery and check delivery the 40 days starts from the.

 

I would specifically ask for ALL documents relating to the account including but not limited to ALL information relating to the sale of the car and how the outstanding amount was calculated.

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account was never defaulted ,we handed car back in 2009 ,I do know we don't owe this money and needing info to get if sorted or off my credit file ,is that likely to happen?

I thought this would be the case and it is going to be difficult to get it sorted, which is why I suggested the SAR to get the data.

 

Why are you so certain the debt is not owed please?

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certain its not owed because we had paperwork saying if we had paid over£ 4827 and car hand back that would be it we actually had paid £6300 ,I actually still have all the old paperwork and the money they say we owe them was shortfall for when they sold the car ,im more worried about how it will affect my credit file if it doesn't say default been saying late payments since 2009

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certain its not owed because we had paperwork saying if we had paid over£ 4827 and car hand back that would be it we actually had paid £6300 ,I actually still have all the old paperwork and the money they say we owe them was shortfall for when they sold the car ,im more worried about how it will affect my credit file if it doesn't say default been saying late payments since 2009

 

Ok Lettie based on that I will draft a challenge to Welcome, meanwhile you should check all the credit reference agencies and place notices of dispute on the entries asap.

 

Welcomes admin was always extremely poor which is what they are in this state now.

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You can get credit files on line quite easily, the three main agencies are Experian (Credit expert as seen on tv) Equifax, and Call Credit which has a free offshoot called Noddle

but is not always reliable.

 

Experian and Equifax have free 30 days trials so use that get the file take a screen print and cancel the trial.

Otherwise you can write and get a £2 statutory credit report by post but this is very slow.

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A short note that the data displayed is inaccurate the CRA as a standard dispute notice you need do/say no more.

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thank u I let u know how we get on

 

Good Luck!!

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  • 3 months later...

hi again

not managed to sort this out yet due to family member being seriously injured to moved out to care for there family ,now im back I can get ball rolling

so I need send SAR to welcome ,do I pay the cheque to them and what address do post to

soz if u told b4 so much has happen over last 4 months but im ready to go now

also we have moved address does that matter as they wont have new address

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SAT to Welcomes Head Office, cheque £10 made out to Welcome and clearly marked 'For Statutory Fee Only' on back and front, use recorded signed for post.

 

You will need to supply past and present addresses.

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Thanks do in morning

A friend says I just should leave it as we have moved address and a new build house no one been at this address before and my rating would sort itself out in a few years as it new address .is this true I don't know nothing about this sort of thing sadly

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Not good advice in my opinion, DCAs can easily trace individuals these days any way, and there is always the possibility of a 'judgement by default' being awarded in the County Court.

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  • 3 weeks later...

hi thanks

have sent SAR a week ago aware they have 40 days to reply

another thing only heard that welcome fiancé are no longer a company is this right?

we from Scotland not sure if its different in England and if so no longer a company how can they update my credit file each month

thanks

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Welcome Finance exists only to pursue and collect the outstanding debts owed to the company and it is perfectly lawful for it to do so. It is their responsibility to maintain credit records.

 

When did you last pay anyone in relation to the Welcome debt?

 

As to the Law in Scotland the limitation period is 5 clear years with no payment or written acknowledgement of a debt.

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So this has not been defaulted? Just late payment markers since 2009 correct?

 

This account should have been defaulted at the latest in 2009 to continue to use LP markers instead of defaulting is a breach of the ICO Technical Guidance on Defaults and can be challenged by a Formal Complaint to The Data Controller at Welcome head office in Nottingham.

 

When exactly in 2009 this could be very nearly statute barred.

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yeah they have been putting late marker since 2009 and wasn't put in default

we had paid more than half of car when handed back ,after they sold car at auction the said I need pay shortfall as they didn't get what they had hoped for the car ,hence that's why we got late markers

it was june 2009

what do u suggest I do as waiting on SAR

THANKS

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Ok we can challenge the LP markers now if you wish, will draft a letter for you over the weekend.

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