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    • 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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Help With Yes Car Credit/DAF , reclaiming Complicated one?


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Hi there,

 

I have joined this forum to ask for any help and/or advice on re-claiming from Yes Car Credit

but it is a bit of a complicated one....I think.

 

I bought a car on finance from Yes Car Credit back in 2003.

It was a joint agreement with an ex boyfriend (no longer in contact and do not wish to be at all!)

 

The car was later stolen,

burned out I think and recovered by police

(so there must be something on file)

I was in between addresses then and kind of left it there.

 

A few years later-think it was 2007,

I had a debt collectors letter saying they had been trying to find me

and now that they had I owed them money for the car.

 

 

I rang, panicked asking what I should do.

They said they would write off so much of the debt (don't know why)

and that I owed them £3,000 which I paid

(Well, my grandma paid for me as I didn't have any money to do so myself)

 

then when all the PPI scandal came about I wondered if I had anything to claim back from YCC

I followed some instructions from a forum similar to this and sent off for the paperwork.

 

Sure enough I received a CD with the original credit agreement on there.

It shows (in section 3.0 - Additional Optional Non Cancellable Insurances)

 

10.£ Payment Protection Insurance Cash Premium

11.£ 550.00 Mechanical Breakdown Insurance Cash Premium

12.£ 350.00 GAP Insurance Cash Premium

13.£ 900.00 = Total Insurance Premium Cash Price (10+11+12)

14.£ 300.00 Less: Down Payment provided by Customer

15.£ 600.00 Shortfall Required by way of Credit

16.£ 251.04 Add: Interest

17.£ 851.04 Balance Payable (15+16)

18.£ 1151.04 Total Amount Payable (14+17):

19. 20.0 % APR

20. 48 Number of monthly Insurance Instalments

21.£ 17.73 Amount of each Insurance Instalment

(17+20): the first payable one month after the date of this agreement.

 

Apparently I should not have paid anything to the debt collectors as I had GAP Insurance

which would have covered the car value when it was stolen?

Also as there is a space next to PPI I'm not sure if I had PPI or not,

Is Mechanical breakdown insurance re-claimable?

 

I just don't know what to do next in order to find out if I am owed anything at all?

 

If anyone can advise me I would really appreciate it.

I am on the verge of calling a PPI claims company but I've seen the rates are 25% plus VAT!

 

Thanks in advance for any help you may be able to give me.

 

Kind regards,

 

MsQ xx

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25%+vat and the rest!! 20% income tax too now..

 

 

do it yourself dead easy.

 

 

yes you got spoofed by the DCA

that paid their xmas party I bet

yes the gap was there to cover that

and anyhow as it was stolen, your insurance co should have dealt with it at no cost to you either.

 

 

never mind you got had.

 

 

you ca 'lump'

all those insurances etc together and call them PPI.

 

 

and put in a reclaim to yes car

they do cough quite nicely

and rightly so.

if you could scan that agreement up

it would make things easier to understand.

 

 

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

************************* ************************* ***********

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice DD-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

...

YOU DONT have to put a link to the attachment in the msg box..jut upload it ..job done

.

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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unzipped and shrunk the files

 

 

so you paid £17.73PCM for all the unwanted stuff

 

 

ANd the agreement is void

they took your deposit off the insurances

that's not allowed.

 

 

dx

 

 

 

 

back later hopefully

 

 

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

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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  • 1 month later...

Hi sorry I haven't been on here for a while.

 

Just reading the thread back and wish to pick up where I left off. Okay so looks like I have a case against YCC but what do I do about it? I have no idea how to put this into writing, work out how much I am owed or where I should even start.

 

Can you tell me what to do next? Do you have any idea what I could type up and sent to them?

 

Thanks so much for all your help with this.

 

Kindest regards

 

xxxxx

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link 1 below

 

get you spreadsheet done first

 

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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Be prepared for a fight though. They won't give up easily as my thread proves. If you're going to start this you will need to stick at it and be prepared to overcome any obstacles that they will put in your way, and believe me they will try everything.

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Oh dear,

 

Maybe I should use an claims firm after all, but who would help with this kind of case? I have looked for the questionnaire but can't seem to find the link?

 

Thanks again guys

 

xxx

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Oh dear,

 

Maybe I should use an claims firm after all, but who would help with this kind of case? I have looked for the questionnaire but can't seem to find the link?

 

Thanks again guys

 

xxx

A Claims company won't touch this one I'm afraid. It's too old and not easy enough for them.

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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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  • 4 months later...

yes quite a few

 

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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  • 3 weeks later...

Evening Everyone,

 

 

I am a Newbie registered, but have been lurking and looking at posts for a year or so now and some of you guys really know your stuff and thank you so much for sharing it You have showed me so much.

 

 

I am also a victim of YCC not once but twice ( I know I know I can hear you all now saying stupid Woman i'm not proud of it I can tell you), I currently have in my possession roughly 15 pages of notes from one loan that I took from them, (I even know how much commission they got for selling the PPI) trouble is I have contacted them with the standard PPI Form plus the agreement and a letter from Aviva stating that YCC was responsible for the sale of PPI (im not entirely sure if Aviva have anything to do with this as the FOS told me they was most likely the insures, but wait for it you are gonna love this one! Ready?

 

 

 

 

Dear XXXXXXXX

 

 

Agreement Number: unknown

 

 

We refer to your questionnaire received XXXXXX

 

 

We do not appear to have received any previous correspondence in reference to your complaint. We are also unable to locate any letters which we have sent to you.

 

 

Unfortunatly we are unable to locate an agreement for you from the information you have provided. In order to help us identify you please provide us with a valid agreement number vehicle registration number and /or any previous names and addresses.

 

 

If you are in receipt of correspondence from direct auto financial services, we would ask that you forward copies onto us so that we can investigate this matter further.

 

 

Yours Sincerely

 

 

I think this could be the new standard letter that will be doing the rounds as I have received this twice with the other claim, how shocking I provide them with their agreement there employees name and the agreement with the reg of the vehicle on it and my address and they cant find me.

 

 

Please please could someone advise how I should play this, i'm quite happy to go to court if needs must. I feel so passionate about it!

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  • 3 months later...

Spoke to FSCS and they said that they can only deal with claims against Yes Car Credit that were financed after 2005 and that no other claims company would be able to do it as they would only come to them anyway. Mine started in 2003 so I'm buggered :(

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I suggest you read ukdarrens thread.........

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

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