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    • thread title updated. so a sold debt. who are the solicitors? TM legal? why didn't ovo do this themselves as they do but chose to sell the debt on for 10p=£1? funny debt you state you reived a letter of claim, why did you not reply too it.? also is there is no indication of the date this bill comes from on the claimform? how do you know its from 2022? what other previous paperwork have you received? please scan page 1 of the claimform and bothsides of ALL previous letters upto one mass pdf read upload carefully. .................. pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’. Choose ‘Create sign in details’ to register for the first time. You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID. You should make a note of your memorable word, or password as these are not included in the email.  then log in to the bulk court Website https://www.consumeractiongroup.co.uk/topic/466952-lowelloverdales-claimform-old-cap1-debt/?do=findComment&comment=5260464 .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ type your name ONLY Do Not sign anything .do not ever use or give an email . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............  
    • Thank you again. I'm hoping it will come out in the wash and will endeavour to check my online account. I'm a bit unsettled by not hearing from Booking.com but the host is sounding helpful at the moment. HB
    • I've just remembered that a friend of mine had bookings cancelled on Booking.com about a month ago - and the good news is that all worked out in the wash. I'm at work now but will scribble properly in a couple of hours with the full tale.
    • Thank you Dave. I've had nothing from Booking.com, just a message via the site from the host. I know I need to check my bank account, just trying to resolve some technical issues. HB  
    • Which Court have you received the claim from ? Civil National Business Centre Name of the Claimant ? JC INTERNATIONAL AQUISITION How many defendant's  joint or self ? Self Date of issue – 22 May 2024  Particulars of Claim What is the claim for – 1. The def owes the claimant £300 in respect of gas and electricity charges supplied by OVO. 2. Debt was assigned to the claimant with notice given to the def. 3. Despite formal demand the def has failed to pay the debt and the claimant claims £300 and further claims interest pursuant to s69 of the CCA 1984. What is the total value of the claim? £385 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Energy debt When did you enter into the original agreement before or after April 2007 ? After Do you recall how you entered into the agreement...On line /In branch/By post ? Moved home and they were the current energy supplier  Is the debt showing on your credit reference files (Experian/Equifax/Etc...) ? No Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt assigned to JC International Were you aware the account had been assigned – did you receive a Notice of Assignment? Not sure probably  Did you receive a Default Notice from the original creditor? Again can't remember but probably  Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? No Why did you cease payments? Changed supplier What was the date of your last payment? Never  Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No
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Housing Benefit Advice


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Apologies if this is the wrong forum/area. Admin - please move if appropriate.

 

OK, will try and be brief:

 

I live at home with my parents, we have a2 bed property and a joint tenancy (my signature and my parents signature are on the agreement) I get HB and ESA (previously JSA) and my Mother and Father between them get HB, Disability (higher for Father middle for Mother and carers allowance), pension and pension credit.

 

Our HB is paid monthly for the cost of the rent (50% Father and 50% myself) and I transfer my money to Father who pays rent from his account. As we are joint tenants (1 room each) we get the 50% of actual rent each.

 

If we were to move house would we still be entitled to (in the same area) the 50% each as long as we do a joint tenancy? Also, at the moment our rent is £700pcm so we get £350pcm each - of we found somewhere nicer at say £800pcm would we get the £400pcm as long as it remained within the allowance for the council?

 

I think the single rate in my council is around £444pcm so in effect would it be feasible to look for somewhere at £888pcm (we are not but want to maybe go a bit higher at say £800pcm) or would the council see it as 'no need to move if not given notice' or 'why should we pay more when you should be decreasing value not increasing' or would itbe exercising our right to fall in the allowance guidelines whatever we choose to do?

 

A bit confusing but a few issues with landlord and agreement is up mid December so if possible want to look at options.

 

Many thanks

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the council are unlikely to be in the least bit concerned

 

local housing allowance rates are fixed by VOA which is independent of the Council - you are free to shop around and live where you want

 

if your rent is less than or equal to LHA rate, you are eligible for help towards full rent

if your rent is more than LHA rate, you would need to make up any shortfall

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Thanks, I just called housing office and they don't let you have more for moving to a higher value as other stuff is taken in to consideration - will need to find out more. They also said (not sure how true it is) that if Father is disabled and in private sector no bedroom tax on renting 3 bed instead of 2 even though 2 is entitlement is that right?

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the bedroom tax only applies to social landlord properties

 

LHA applies to private landlord tenancies

 

so you cant be affected by both

 

if your parents require an additional bedroom for a non-resident overnight carer - then they can be allowed an additional bedroom for the carer

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