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    • Shein has been linked to unethical business practices, including forced labour allegations.View the full article
    • Hi I have to agree with @unclebulgaria67 post#3 For the funding side of moving to a new area and it being private supported accommodation I would also suggest speaking to private supported accommodation provider about funding but also contact the Local Council for that area and have a chat with them about funding because if you are in receipt of Housing Benefit certain Supported Accommodation that meets a certain criteria is treated as ‘exempt accommodation’ for Housing Benefit purposes but you need to confirm this with that relevant Council in your new area especially since it is Private Supported Accommodation as each Council can have slightly different rules on this. If you have a certain medical condition look up the charities and also have a wee chat with them as they may be able to point you to different Grants to assist with moving costs and your question about funding for private supported accommodation as well.
    • 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
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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lowell joined 3 debts [2 mobile, 1 credit card]made me BK, now want my house!!


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If you want I can always meet you at Victoria and be there for moral support, I live about a 35 min train ride from Victoria.

 

Thats a very kind offer SG:-)

We could do with some help from you.

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  • 1 month later...

Theda, you along with everyone else have 10 minutes to edit a post

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?9-Forum-rules.-Please-read-these-before-posting

Forum rule 3.3

 

If you have issues regarding your account - your thread is not the place to debate them. Please use the admin email or report button.

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Uploading documents to CAG ** Instructions **

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Theda, you along with everyone else have 10 minutes to edit a post

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?9-Forum-rules.-Please-read-these-before-posting

Forum rule 3.3

 

If you have issues regarding your account - your thread is not the place to debate them. Please use the admin email or report button.

 

Thank you for the list of rules… I'm not aware that I have contravened any of them, but I definitely don't have the ability to edit my post… not even for 10 minutes. TB

 

Hang on… the edit post facility and PM button have both just reappeared…Result…thank you! TB

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Hang on… the edit post facility and PM button have both just reappeared…Result…thank you! TB

 

I think you will find that andyorch sorted that out for you.. however, happy to accept any kudos on offer :lol:

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 1 month later...

HI all just to update waiting for court to give date of next hearing, it will be between the 3rd and 9th of May.

 

 

Will let you all know when I hear from them.

 

 

Kind regards WB aka Watson still here on those moors xx

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Hi Ford no I have submitted every thing the Judge asked for,

he has that already,

 

it was just a question of when he could fit me in as he has been working on other bigger cases to mine.

 

 

Regards WB x

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Hi Ford no I have submitted every thing the Judge asked for,he has that already, it was just a question of when he could fit me in as he has been working on other bigger cases to mine.

 

 

Regards WB x

 

We will be thinking of you and hoping for a good result! TB x

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  • 4 weeks later...

Good luck ! Hope you get the chance to appeal this.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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  • 4 weeks later...
  • 3 months later...
Hi WB....any news yet? I hope it's all sorted now! Got my hearing next month....Please let me & Holmes know how things work out... thinking of you! xx

 

i have won !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Trustee wants me to drop my new appeal and all creditors and the Trustee will meet all costs.

 

Case was due to be heard this Monday, but........................Do I continue ????????????

 

Wendy boats aka Watson did this will the help of many but one name stands true and that my friends is the MOULD XXXX God bless you!

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I have won !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Trustee wants me to drop my new appeal and all creditors and the Trustee will meet all costs.

 

Case was due to be heard this Monday, but........................Do I continue ????????????

 

Wendy boats aka Watson did this will the help of many but one name stands true and that my friends is the MOULD XXXX God bless you!

 

That is brilliant news Wendy ! Very well done.

 

I had been thinking the worst, because of not hearing anything.

 

I think you need to get an email or letter if you have not, where they state exactly what they are intending to do.

 

They need to remove the bankruptcy from your record wit notice to court, remove all debts and pay your costs you incurred as a consequence of all of this.

 

Has your Solicitors recommended accepting appeal withdrawal ?

 

I should have added that if any notice has been sent to land registry regarding this, that they should also remove anything they have added.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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I have won !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Trustee wants me to drop my new appeal and all creditors and the Trustee will meet all costs.

 

Case was due to be heard this Monday, but........................Do I continue ????????????

 

Wendy boats aka Watson did this will the help of many but one name stands true and that my friends is the MOULD XXXX God bless you!

 

SQUEEEEEEEEEEE!!!!!! Oh, well done! Hugs and kisses.... I will pass it onto Holmes for you... this will make his day!! Fantastic news.... I am still out on the lonely moors... will let you know what happens. xxxxx

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  • 1 month later...
I have won !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Trustee wants me to drop my new appeal and all creditors and the Trustee will meet all costs.

 

Case was due to be heard this Monday, but........................Do I continue ????????????

 

Wendy boats aka Watson did this will the help of many but one name stands true and that my friends is the MOULD XXXX God bless you!

 

Well done Wendy. Did you go to court or is this truly resolved now?

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 1 year later...

Yes i did, thanks to this fantastic Advise forum, I have recomended "YOU" to around 100 + friends ,family ect.

 

Update is some what late and i appologise for that.:wink::sorry:

 

Trustee off land reg, Bankruptcey removed from my records, i have a great credit score again.

 

Big hugs to all you guys, I hope you in admin realised who sent that "thank you" donation last year.:wave:

 

Wendyboats xx

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The main thing is that you never gave up and if we played a part in helping you achieve a result, then that is fantastic ! Forums like CAG plug a major gap in providing advice/information and probably more importantly SUPPORT. There is plenty of information online and elsewhere, but often it is knowing how to use it. And if you have oponents such as you faced who have a job in making life difficult for those they try to get money from, then it is the SUPPORT to keep battling that is key.

 

Wishing you a much better 2018.

 

Good luck.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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