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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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Debt_Mountain vs Blackhorse charges and PPI


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Well I just finished with Blackhorse and sent them my SAR. Just have to wait on that to claim my charges.

 

but my PPI has also just been started

 

I have had 3 previous loans with them and with each because of our credit history they told us we had to take out PPI or we would not get the loan.

 

Luckily whan I sent the "Stop sending my data for a contract that is no longer valid" they sent me a copy of each of these agreements highlighting the area refering to the sharing of data. While browsing the agreements I notices the amount of PPI and insurance!!!!!£k's.

 

I thought I'll have that back please.

 

So off went the letter yesterday. Lets see what they do.

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got a reply to the SAR. I guess they are trying to scare people off at a very early stage. Here are the good parts of the letter

 

 

"We have recently received a number of letters, all worded exactly the same as that received from you, where the prime purpose behind requesting a copy of the information we hold seams to be to dispute the additional charges to an account. (thats because the charges are illegal and you have shafted the majority of your customers)

 

If this is the purpose of the request, whilst we are happy to provide a copy of the information we hold (Well send me it then, thats what I asked for!!), the production of such data will not serve any real purpose in detailing what and why the additional charges have been incurred (Oh you think!!).

 

We are aware of the recent instructions from the OFT in relation to additional charges incurred through late, missed or unpaid payments, however, this instruction relates only to charges against credit card agreement debts. As our agreement with you is not such an agreement, the instruction from the OFT does not apply. (I never mentioned the OFT and I think they are covered by the CCA).

 

If you do have a query regaurding additional charges to your account, it will be easier and quicker to discuss these with us. You can do so by calling the number at the top of this letter (Yeh right, more bull no doubt), where we will be happy to discuss matters with you, or write to us setting out the rational for why you are disputing the charge. (Another letter is winging its way to you, give me my data, then you can give me my cash!!) "

 

 

What a crock of cr4p!!!!

 

They are trying to use smoke and mirrors in this letter. Does this actually work with some people??

 

I am tempted to wait for th 40 days to pass and then they will default on my SAR, but I am also desperate to get these gitts either to pay me back or meet them in court.

 

Wonder what they are going to say to my request for £10k+ for my PPI refunds!!! they only got that a day or 2 ago.

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  • 2 weeks later...

Just sent my LBA to my pals at blackhorse, sent by fax for speed. Within 2 hours the top man at the branch called appologising that I had not had a reply to my prelim and that he was personally looking into the "serious allegation".

 

Sure is serious......£10,000 +

 

anyway told him not to call again and to put this call in writing and also any future communications.

 

I gave them 10 days for a reply before raise an N1.

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OK, I am starting to pull my evidence for my PPI claims. My reasoning for the claims that we were mis-sold the PPI with both of the companies we used was the same.

 

1 - When the application was completed over the phone I was asked if I wanted the PPI as it would ensure that the loan was agreed to,

2 - I would say that as I work for a large American owned multinational company with health insurance, full sick pay and enhanced redundancy package and Mrs DM was self employed and pays for a personal income protection policy and critical illness policy we did not need any PPI cover so we really did not need it.

3 - Again we were told that to ensure we got the loan we take out the PPI

4 - We had financial worries and did not have much choice with the lenders we could use and felt we had to take the loan that was on offer. We were not informed that we could cancel the insurance within 30 days of taking the loan after which time we could not cancel it.

 

Any comments on the above?

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  • 3 weeks later...

Sent them a further letter to the 2 sod off letters they sent.

 

On loan no 2 we had requested the PPI be cancelled but they refused at that time so I am pushing them on the legality of this if as they say the PPI was not a condition of the loan (which I still dispute).

Loan no 2 they failed to complete the text box in the agreement saying what the monthly payment we were paying for PPI was covering us for.

 

and for the other 2 loans I was just keeping up the we were missold these policies and asked them to provide evidence other that the agreement that we were NOT mis sold.

 

In a futher letter some 20 minutes later (faxed) I also claimed back the £4800 in charges inc the contractual interest).

 

All in all I am keeping their legal department busy.

 

forgot to ask that I am also disputing the settlement figure on the last loan as they are saying I still owe some cash, I have demanded they provide the actual clause in whichever act it is that states what they can legally charge to settle an agreement.

 

They gave me the verbal formula saying it meets the CCA, but when you look in the CCA there is no reference to calculating a settlement figure. So have demanded they send this clause they refer to in the CCA.

 

No really I am not enjoying this. :):):)

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  • 1 month later...

Not heard anything else about the settlement figure etc. But after them trying to say I was outwith the English Juridiction I sent them the letter in my "Jurisdiction thread" and today got a letter from Mr Judge ordering Blackhorse to provide both me nd the court with the loan agreements and any term and condition incorperated into the agreements. They got 2 weeks to do so.

 

I am currently claiming for unlawful charges plus contractual interest and also demanding they stop sharing my personal data and I want damages assigned by the court for the damages caused by them sharing my info.

 

So I think the jurisdiction thing is sorted (hopefully) as Mr Judge at the court of my choice instructed the order.

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