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    • Thank you so much for heads up.
    • Thanks DX - I wondered about the blacked out bits. That's their doing not mine obviously.   Attached is the exhibits part of the bundle. Sorry about this, no matter what I compressed the whole thing down to I got the oversize message, even if the filesize on my computer was showing as well under 4.8mb   The_exhibits-compressed.pdf
    • Thanks Bankfodder!   Hello again everyone.    I received my SAR back from Elderbridge and what and absolute load of **** it is!   1.  They did not send any transcripts or recordings of any phones calls  - both myself and my husband spoke to them in Aug 2016 (noted in their diary notes) and I called them in Dec 2018 (again noted in their diary notes) it was the same day they sent the reply even though they have mentioned me calling in their notes on that day, so not sure I should let that go or not!   I also spoke to them in July 2016 (again in the notes) and I spoke to them in Dec 2012 (again in the notes)    2.  Going through the diary notes in the beginning notes were sporadic mainly because we were making payment and everything was ok, then later as things changed there were notes almost once a month, then in NOV 2012 and Dec 2012 frequency of notes increase as this is when they began court proceedings.  and throughout 2013 again lots of notes made - mostly their in house stuff about court dealings and so on - so that's fine. then in NOV 2013 hey made a not re the court date in OCT - saying that they were ordered to treat the loan as having a fixed rate from inception and sent off etc.  BUT from 21 Nov 2013 to 17th June 2014 there are no notes at all!  Now the hearing was on the 10th Jan 2014!   17/06/2014 14:43 *****Substantial EVS costs to be added to any SF ****** 17/06/2014 14:43 EVS Defended + At the hearing on 10/01/2014 an SPO for 500 on 26/01/2014 and then CMI + £60 wef 26/02/2014 plus MJ for £103,331.03 suspended on the same terms. It was also held that we could add our costs - Defended costs on this case are £33,879.80. 17/06/2014 00:00 Reviewed Reviewed 17/06/2014 00:00 ***Defended Costs*****:To be added to any SF ***Defended Costs*****:To be added to any SF 21/11/2013 04:13 ADHOC Statement Printed From 03/10/13 To 13/11/13 Batch 2015 Sequence 28 Printed 13/11/2013 00:00:00   Above you can cleary see the gap then suddenly the first notes talk about the court case and costs etc, at the trial in OCT the judge reserved cost till the next hearing (also stated on the documentation from the court)  but then at that hearing in Jan 2014 we did not discuss costs - the 6 month gap I feel is very suspicious.    The final court document  dated 13th Jan 2014 says to pay the claimant £103,331.03 which is the amount outstanding under the mortgage and goes on to says order were not to be enforced as long as we pay etc.  no mention of costs at all - so they seem to just be adding them   3.   They sent a field agent to me in Jan 2018, I only knew this as on the 9th Jan 2018 I was working at home and heard the letterbox, thought it was the postman, went to the door to find an envelope shoved through the door with a letter in it saying they had been requested to visit me and that they called today but I was not in! and gave a number for me to call ( I saw the woman walking down the driveway - but she did not ring the bell! and I wasn't about to run after her!)   But in the notes they have written this utter lie!   30/01/2018 12:44 Field Agent Report Received The field agent visited the security address on three occasions. The customer was spoken to through the window. They refused to discuss and refused to answer the door. The contact number on file is not recognised. RFA - Not known Reasons for items not verified:N/A Details of variances of items outside of expenditure guidelines and reasons N/A Property is a detached house in good condation valued at £406,000. Equity not known. I actually cannot believe what I have read here! Can I ask them for some kind of proof of this, because I don't know who they are talking about but it certainly wasn't me!   4.  the documents they had sent me a joke, they have sent 77 documents in total, none of these are copies of letter from Elderbridge (which is who I sent the SAR to) all from First Plus and certainly not ALL of them, they have been bulked out by sending me copies of documents that I sent TO THEM for my court defence and there are strange Black boxes over some of the text!? which I don't understand!     After receiving this info from Elderbridge I decided to send a SAR to Barclays and I got a small package with a couple of letters, some diary notes and screen shot of the account, as well as a short statement of account. This was for our ORIGINAL loan from Feb 2006,  (we topped it up in June 2006) and the first one was closed.  The second one is the one that has been transferred to Elderbridge but Barclays seem to know be denying ALL knowledge of it! and I know that they still hold the beneficial interest of these loans and that Elderbridge regularly contact Barclays for help and advise - I have contact with other account holders who have diary notes from Elderbridge showing contact to Barclays!..   This week I also had a reply from the FOS (only from an adjudicator not an ombudsman) and his initial opion is that it's ok for Elderbridge to claim the costs as we defaulted, he seems to be ignoring my argument that the relationship is unfair etc but I will be sending this back and asking for it to be looked at by an ombudsman.   But was hoping that someone here could give me any advise re all of this - sorry I know it's a lot!!
    • why all the blanked out stuff in the parking contract? and no proof its paid this year either?  
    • pop the exhibits as a sep file i'll merge them for you
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stu007

Discretionary Housing Payment **Updated April 2015**

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Discretionary Housing Payment

 

 

What is a Discretionary Housing Payment (DHP)?

 

Each Local Authority is given a pot of money each year to help people who qualify for Housing or Council Tax Benefit, but are having trouble paying their Rent or Council Tax. The Council decides who should be given the payments. When the money for the year runs out, no more payments can be made.

 

What can a Discretionary Housing Payment Cover?

 

A discretionary housing payment (DHP) may be used to pay for:

 

Ø Rent deposits.

Ø Rent in advance.

Ø Rent arrears (but not if you were receiving enough housing benefit to pay all of your rent at the time the arrears built up).

Ø A shortfall between housing benefit and rent.

Ø Reductions in housing benefit, after changes in April 2013 known as the 'bedroom tax'.

Ø Reductions in local housing allowance resulting from changes from April 2011.

 

A discretionary housing payment cannot be paid if the reason for shortfall is that your housing benefit has been reduced to recover an overpayment or because your other benefits have been reduced, for example, because you left your last job voluntarily.

 

What do the Council take into Consideration?

 

The council will usually take into account any special circumstances that contribute to your financial difficulties, for example, if:

 

Ø You have to pay child maintenance.

Ø You have to pay legal costs.

Ø Your heating costs are high as you spend a lot of time at home because of sickness or disability.

Ø You have additional travel costs because you travel to a doctor or hospital or you care for a relative or friend.

Ø Your work-related travel costs have increased because you had to move as a result of cuts to in the local housing allowance.

Ø You are likely to become homeless if a payment is not made.

 

How can you Claim Discretionary Housing Payment?

 

You will need to contact your Local Councils Benefits Section and request a Discretionary Housing Payment Application Form and complete it and return and await decision.

 

The criteria for the Discretionary Housing Payment and the Application Form is set by each individual Local Council therefore the criteria from council to council will be different throughout the UK.

 

What Information may you be required to send with your claim?

 

You may be asked for details of your Income and Outgoings. You could send copies of relevant bills or bank statements. You should also provide any information about your circumstances that make things difficult for you financially.

 

Can you Appeal if you don’t get a Discretionary Housing Payment?

 

There is No Right of Appeal to a tribunal if the Council say it will not give you a Discretionary Housing Payment, but you can ask the Council to have another look at its decision.

 

If that fails, the only way to challenge the decision is in the courts using judicial review. However, this is not always possible - get advice from a local advice centre about this.

 

Check with your Local Council to get an Application Form as each Councils form is slightly different

 

Note: Please also check Post #4 as it has Sources of Interest on DHP

Edited by stu007

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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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Claiming Discretionary Housing Payment - Housing Benefit Claimant Factsheet was published 7th January 2014 and can be downloaded from this link:

 

https://www.gov.uk/government/publications/claiming-discretionary-housing-payments


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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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DISCRETIONARY HOUSING PAYMENT

 

SOURCES OF INTEREST

 

DWP - (2013a) Discretionary Housing Payments: Guidance Manual.

https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/184207/discretionary-housing-payments-guide.pdf

 

DWP - (2013b) News Release, 30 July 2013 Spare Room Subsidy: Funding Update.

https://www.gov.uk/government/news/spare-room-subsidy-funding-update

 

DWP - (2013c) Housing Benefit Circular S6/2013.

https://www.gov.uk/government/publications/hb-circular-s62013-discretionary-housing-payments

 

DWP - (2013d) Use of Discretionary Housing Payments. Analysis of Mid-Year Returns from Local Authorities.

https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/268411/use-of-discretionary-housing-payments-dec13.pdf

 

DWP - (2014) Housing Benefit Circular HBS1/2014.

https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/275971/s1-2014.pdf

 

Hansard - (2013) HC Deb 5 Dec 2013 : Column 1101 Autumn Statement.

http://www.publications.parliament.uk/pa/cm201314/cmhansrd/cm131205/debtext/131205-0001.htm#13120554000002

 

Scotsman - (2013) SNP Faces Showdown over Bid to Beat Bedroom Tax, 3 February 2013.

http://www.scotsman.com/news/politics/top-stories/snp-faces-showdown-over-bid-to-beat-bedroom-tax-1-3292222

 

Scottish Affairs Committee - (2013) Scottish Affairs Committee - Fourth Report. The impact of the Bedroom Tax in Scotland: Interim Report. http://www.publications.parliament.uk/pa/cm201314/cmselect/cmscotaf/288/288.pdf

 

Scottish Government - (2013) A Budget for Scotland’s Future. News Release, 11 September 2013.

http://news.scotland.gov.uk/News/A-Budget-for-Scotland-s-Future-400.aspx

 

Scottish Government - (2014a) Discretionary Housing Payments in Scotland: 1 April to 31 December 2013.

http://www.scotland.gov.uk/Resource/0044/00443672.pdf

 

Scottish Government - (2014b) Scrap ‘Bedroom Tax’ help cap. News Release, Monday 4 February.

http://news.scotland.gov.uk/News/Scrap-Bedroom-Tax-help-cap-8ee.aspx

 

Scottish Parliament Welfare Reform Committee - (2013a) 19th Meeting 2013, Session 4, Official Report, Tuesday 19 November 2013.

http://www.scottish.parliament.uk/parliamentarybusiness/28862.aspx?r=8658&mode=pdf

 

Scottish Parliament Welfare Reform Committee - (2014) 1st Report (Session 4) 2014: Interim Report on the Bedroom Tax. http://www.scottish.parliament.uk/parliamentarybusiness/CurrentCommittees/72586.aspx

 

Welsh Affairs Committee (2013) Fourth Special Report - The Impact of Changes to Housing Benefit in Wales.

http://www.publications.parliament.uk/pa/cm201314/cmselect/cmwelaf/1012/101202.htm

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.

Please Donate button to the Consumer Action Group

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 1547 days.

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