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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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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Mamakin v HBOS


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The inconsistency frustrates me.

After having sent my request for statements 10 days ago and it still saying it hasn't been received....I called the bank on Saturday to ask if they'd got it. Nothing was showing, so they told me to call back on Mon or Tue. I've just spoken to them, and once again, nothing was showing on my account. Hmm I said, I sent it on 17th, I wonder why you haven't received it yet. Well she says, I can put that request through for you manually now, but they may send a letter requesting payment for it. Ok, no problem I said, the other cheque won't get cashed if they don't ever receive the first letter, and if they do, they won't ask for payment again will they? No she said, but this way, at least you know they've received your request for statements.

So, why the hell did some woman direct me in the first place to an address I've not seen anywhere else, if she could just do it manually! Argh.

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Hi all

 

Just a quickie.

I sent my SAR to Halifax PLC, Trinity Rd. According to track and trace it hasn't been delivered (2 weeks ago!) and the cheque wasn't cashed. I have managed to persuade them to send my statements out to me over the phone though, and they've taken £5 from my account, so all is well there. What I need to know, for the Prelim letter and the LBA, should I address it to anyone, or any department in particular, or simply to Halifax PLC?

 

Thanks in advance

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Hi mamkin

I addressed mine to Customer Relations at the Trinity Road address and they got it OK.

 

Good luck:D

Prelim Sent -27/02/07....

Response Letter rec'd -13/03/07....

LBA Sent -15/03/07...

Court claim due-30/03/07

Offer received(10p/cent short)-declined for full amount-28/03/07

Success FULL 6yr amount offered-29/03/07:D

........not yet received because they want me to accept conditions!!:(

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Hi all

 

Been going through some statements with my friend that arrived today. From April 2001 until April 2003, give or take a month here and there, there has been a £5 charge (charges as notified) taken from her account. She didn't notice it being taken each month, and certainly wasn't notified about it! As far as we can see, the only time a £5 charge is applied is when a copy of a cheque or a duplicate statement has been requested. neither of which she had.

She's just made a lengthy call to the Halifax to query what these were. And......they had no idea either and were putting a call through to the business centre to investigate further.

Has anybody else noticed these charges on their account?

Like all the Halifax need right now is untrustworthy staff lol :-)

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Not worried about it. Just find it amusing that not only have the 'banks' been ripping us off, but it's possible the individual employees have too! The woman on the phone sounded 'very' concerned over it.

How many did you have showing?

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Hmm. I wonder how many of us have had these mystery charges applied.

 

Just out of interest....did yours run for a certain period? My friends started in April 2001 and ended just as suddenly in April 2003.

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Well the Halifax don't know what they're for either. The only £5 charges they apply are for copies of cheques or duplicate statements. And it's the same period as my friends got taken. I think maybe we're being robbed from all quarters here!

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God I am so annoyed!

 

17th Feb SAR sent

27th Feb Phone call stating they'd manually request the statements for me instead and NOT cash the cheque should they receive it after. And they wouldn't charge me at this time for the statements either.

1st March £5 taken from account.

9th March £10 cheque cashed (my fathers name, TSB)

Today - Statements received from 1999 - Feb 2002 (no charges on these. The last 3 years are where they are)

Another phone call. Said they'll 'order' me the missing statements now but they'll take up to 10 days.

 

AAAAAAAAAARGH!!

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Hi mamakin.

 

Exactly the same position as you. This must be a tactic of theirs.

 

I ordered mine and got them 1 1/2 months later. realised while looking through they had omitted 1 1/2 years worth of statements. the statements show a blip between lines. So angery. And its well past the 40 day limit now.

 

I phoned like you did and was tolf they would be ordered manually. That was three days ago so I will wait until Monday before phoning them again.

 

Not good enough. If no action taken this week then I will report them.

 

You should as well

Halifax Current Account - £90 won back (Feb 23rd)

Halifax Credit Card - Statement back £200 charged

Halifax Electron - Req.statements 15th Jan not arrived

Barclays - Ready to request statements

Capital One - About to request statements

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It's annoying because once the statements are in your hand, the timescale is set then and they have no control over it. But until then.....if you don't have the statements, you can't request the charges back.

And I agree, this is just their latest stalling tactic whilst their legal boffins try and find the elusive loophole they need.

 

"Is this not the information you requested then?" I was asked.

 

Oh yeah, check my account, see the £3000+ charges you've taken between 2004 and now and it's completely understandable that I'd only request up til 2002!

God, I could have screamed when I'd finished opening them this morning.

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  • 2 weeks later...

Well just an update. More for myself than for anything else :-)

 

SAR sent 17th Feb and completely ignored.

Statements received on 14th March after ordering over the phone, with a £5 charge. (I am impatient)

£10 cheque then cashed from SAR (but still no letter to acknowledge this)

 

Prelim sent 15th March requesting £1841.00 plus £487.22 overdraft interest.

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Hi there fellow Halifax victims.

 

I thought I was paranoid until I came to this site. I have been trying to get my back-dated statements since about August last year. I paid the 10 data-protection charge, and have since made 7 phone calls to get statements, usually with a wait of about three weeks between, I have always been given something with some dates omitted. They sent me a huge envelope Tuesday, I flicked through and realised they have "Magically Forgotten" all of 2003.

 

Gits!!

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Bank of Scotland don't appear to have a set tactic on this front and I wouldn't expect Halifax to be any different.

 

My sister sent her letter asking for the list of charges along with a £10 postal order on a Friday to her local branch. By the Tuesday she had a letter from an office in Leeds returning the postal order and promising to send her the charges list within 10 working days. Sure enough, 9 working days later she received the last 3 years worth and the preceding 3 years arrived the following day. She replied 2 weeks ago asking for the money (circa 2.5k) and has today recieved a letter stating that they have 8 weeks to look into it due to complaint procedure regulations.......

 

In comparison, I sent the letter asking for the charge details, including a £10 postal order, to my local branch about 5 miles from hers, and have had no response whatsoever. Both letters were sent recorded delivery, the only difference was that she had crossed the postal order making it difficult for her to get the money back anyway. When I saw they had returned hers I didn't cross mine. I expect my charges to be close to double hers so perhaps the amount defines their response.

 

If they think delaying will put us off they are sorely mistaken! Good luck to all of you.

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Standard delay tatics, most do the same, they have so many claims now they will be under instructions to slow any way possible.

When you do receive them, you may even find that they have shuffled them just to be helpful.

 

Stick to the timescales

Sharkie

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5 threads merged

please keep to the one thread for each claim.This is for your benefit as you will get a much more informed reply if people can see all what you have done so far

thanks :-)

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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17th Feb SAR sent

27th Feb Phone call stating they'd manually request the statements for me instead and NOT cash the cheque should they receive it after. And they wouldn't charge me at this time for the statements either.

1st March £5 taken from account.

9th March £10 cheque cashed (my fathers name, TSB)

Today - Statements received from 1999 - Feb 2002 (no charges on these. The last 3 years are where they are)

Another phone call. Said they'll 'order' me the missing statements now but they'll take up to 10 days.

13th March Missing statements arrived

24th March A further set of statements arrived (SAR ordered ones I presume)

24th March 'We're sorry to hear you're unhappy letter' arrived

24th March LBA sent

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Hi mamakin

 

Not trying to be funny but arnt u supposed to send the prelim letter before the LBA? Only reason i ask is that i have just calculated all my charges after receiving all my statements.

 

Cheers

 

Willo

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