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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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hi all

need some advice on ppi.

 

my daughter’s boyfriend thinks he may have a claim against the Yorkshire bank

the problem is he has an outstanding loan with them from about a year ago that he stopped paying when they moved.

 

Question is if he makes a claim and wins would the bank be able to use the ppi money towards the outstanding loan

and would they then be able to chase him for any outstanding amount on the loan as they would have his current address.

 

thanks in advance

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Hi and welcome along.

 

In answer to your questions the answers are yes and yes.

 

However, is there any chance that the potential PPI refund could exceed the amount of indebtedness?

 

Has he got the agreement and a record of all payments made on the loan on which he wishes to claim?

 

EDIT: I have moved your thread to the PPI forum :-D

 

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Hi

I don't know about the amounts involved but I don't think he has any paperwork it was from quite a while ago, I recently had a successful claim and he thought he would try his luck as they have a baby and are always short of money,trouble is they both have learning disabilities,I don't think they thought it through properly.

I had dealings with this bank in the past.

when my dad passed away they stripped his account to pay an outstanding loan and credit card debt and left us with no money for his funeral.

I just didn't want my daughter and her boyfriend to get stung by these people

so thanks for the help

Michelle

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get an sar off.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi

 

I had dealings with this bank in the past.

when my dad passed away they stripped his account to pay an outstanding loan and credit card debt and left us with no money for his funeral.

Michelle

 

what!!

 

that is not allowed

 

did the exec's authorise this?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

can't remember exact events as it was a few years ago now and I was in a bit of a mess not thinking straight at the time.

we had an argument with the head office about the money in his account

eventually the manager from the Stafford branch made a check out to the undertakers so that I would sign the forms to close his account,

not long after we arrived home we had a call from the manager saying she had received a call from head office she was really sorry but they had told her to tell us not to bother presenting the check as they would not honour it.

as I said before I was an emotional mess at the time and even though we made an official complaint including to the financial ombudsman we didn't get anywhere.

in hindsight I realise that we should have just used it to pay the undertaker as it was a buisness check and they would have to honour it.

As a result of there actions we couldn't afford the funeral we couldn't get any help from anyone as we were on working tax credit and couldn't afford a loan it took from the beginning of December when he passed until the middle of February to bury him,(the hospital where he died were even threatening to charge rent for the fridge space)

my cousins heard what was going on and offered to pay for which I will be forever grateful.

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urm..

 

something smells bigtime there

 

so's not to detract from this thread

 

it might be an idea to start a new one.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks but I'm not sure I want to drag it all up again as everything seems to finally started to settle.After over 3 years of hell.

 

6 weeks after the funeral the mortgage company and a secured loan company both got suspended possession orders on the house

so we were under constant threat of eviction by the loan company(we had to pay £600 a month out of disability benefits)

 

We had an 18month fight with the DWP over ESA and DLA(o/h finally got put in support group for ESA and received high and high for DLA)

 

My brother in law was stabbed to death in his flat that December and 80 year old farther in law found out from the local paper (killer later got 22years)

 

August last year I had a heart attack at the age of 43 (I nearly died twice)

 

Just before xmas last year we had a letter from the mortgage company saying that the fixed low rate was finishing and the payments were going to double

 

We then contacted the council who took about 4 weeks to decide whether they were going to rehouse us (finally moved mid feb)

o/h then went bankrupt at the beginning of April.

 

Got to say though it was probably the best thing we have done.

 

Things are finally starting to go right in some part to the advice on here.

 

Last week I was contacted by a debt collection company about a £14000 shortfall from an old buy to let property

 

.I pleaded poverty refused to give breakdown of I/E offered them £1 per month told them to take me to court if they didn't like it

,they said they had no intention of going to court and accepted got the confirmation and standing order mandate through the post yesterday

 

sorry for going on but hope you can understand why I can't face yet another fight

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ok understand

 

don't like the idea of paying a DCA £1PCM on a shares shortfall....

 

if you DO owe the money pay the OC!!

 

you obv know DCA's are not BAILIFFs and have NO SUCH LEGAL POWERS.

never ever pay a DCA!

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Ok I do owe it.

we had a rental property got in areas with the mortgage so nationwide put it in administration.

 

they put countrywide in charge who sent in some heavy's who scared the tenants off ,

 

it then took them 12 months to find new ones (this tripled the areas on the mortgage and also caused council tax areas)

and a week later the new tenant was arrested and jailed.

 

the guarantor payed the rent from then on.

 

when the tenancy ended the house was sold with a shortfall of £13,734.26

 

as far as I am concerned the place was totally mismanaged but I don’t know what I can do about this if anything.

 

any advice would be welcome

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ok well p'haps if you wish

 

start other threads in the relevant forums if necessary

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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