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    • god they've got at you haven't they. told you all the usual utter BS. a CCJ vanishes from your credit file on it's 6th B'Day regardless to being paid off or not or paying or not. same with any debt with a registered defaulted date - it vanishes from your file on the DN's 6th B'day regardless. creditfix are Knightsbridge, (they renamed) there are 100's of threads here on Knightsbridge, if i remember rightly 2 of the directors of a certain very big IVA provider were struck off for embezzling £1m's out of debtors. pers i'd stop paying now.  end of . just ignore them all. 99% of your debts are to utterly powerless DCA's and probably were never owed in the first place only goes to firm up my belief from post one..you got had blind. its very easy to deal with the debts even those with CCJ's. can you copy and paste what you credit file says regarding the IVA please?   
    • Sorry I meant credit fix - I really wish I'd known this before - kicking myself right now  If they come back to me asking for more money I'll cancel it and start trying to deal with the debt myself let's see what they say  Feeling tempted to cancel it now but scared that some of the debts will do more CCJ's on me and I'll have to wait 6 years again.  2 of the CCJ come of this year and then I'll only have the iva in credit file - effectively if I'd have not took out the iva in 2021 I'd have clear score by now - but then again would I because I would have been hounded the last 3 years, as bad as it is it's saves me lots of headaches whilst my debt was still within the 6 year mark.  I think most of them are near there but in all honesty no point chasing them if I do cancel iva I'd jjst wait for the ones who contact me and then start the relevant letter process on them.  Of over 6 years easy if not still possible to write off. My true victory would be having the iva wiped off my credit file as mis sold or something that way I Don't have to wait till 2027 Other option is to fight back and ask for them to offer the creditors to accept payments so far and use the following method    Will your IVA firm agree to complete your IVA on the basic of funds paid to date? The Guidance lists a lot of factors to be considered in deciding whether a settlement on the basis of funds paid to date should be proposed. You should read the list. But that may not give you any feel for whether they apply to you or not. The following are my thoughts on when an IVA should be treated as settled, not failed. They assume that you have £75 or less to pay a month: if you would currently qualify for a Debt Relief Order, then your IVA should be settled now  There is no point in making your IVA fail and you have to apply for a DRO – it will not generate another penny for your creditors. If you are renting and owe less than £50,000, check the DRO criteria now and talk to National Debtline on 0808 808 4000 about whether you qualify. You may have been told at the start of your IVA that you aren’t eligible – still check now as the DRO criteria have changed, your situation has got worse, and some people were given incorrect information about DROs at the start. if you have no assets that would be realised in bankruptcy (eg a house with equity, car worth over £2000), then your IVA should be settled now Same as (1), there is no point in making you apply for bankruptcy after your IVA fails. if your only asset is a car that is worth less than £8000, then your IVA should be settled now A car that is worth say £5000 would normally be sold in bankruptcy and you would be given a small amount to buy a cheaper car. But your creditors would not get any benefit from this as the Insolvency Service takes the first £8000 raised to cover its own costs. if you have significant assets, the closer you are to the end of the IVA, the less reasonable it is to fail it If you have been paying your IVA for 4 years, you have done your best over a long period. It isn’t your fault you can no longer continue. The fact you may have had equity to release isn’t relevant as that simply isn’t going to be possible. if your situation will clearly improve soon, then it’s unlikely your IVA will be settled I mean real improvements, not hoping that prices fall. If I can get them to accept payment to date or threaten with cancellation hopefully they may accept it -  Other option is to try and borrow money and pay make a full and final offer  Or I can just ignore and hope for the best which I'm very tempted to do especially if they respond to my review with bullying tactics despite me being skint as a fart with no mortgage as renting  It's so stressful but I've just checked the iva agreement from 2021 and it's Cabot 2 accounts Lowell about 5 accounts and then lots of repeats of the same debt with for example zopa and Cabot same amount listed twice -  also loyyds banks but I'm sure that's older than 6 years and not on credit file anyway  If I can somehow remove the iva from my credit file I'd be happy 
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taking council to county court **Resolved**


sajeel
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Hi,

 

I will attempt to keep the story short, in summary i lost my rented due to rent arrears, i was receiving housing benefit when working for part of my rent, i submitted change of circumstances and it all went downhill from there my previous allowance was cut, the council kept asking for wrong information and eventually i was on their doorstep with my wife and 2 year old son, i was placed into hostel and was told they would look into matter on 27th May 2014 i was given a room in hostel.

 

 

I tried to contact the council prior to this but they ignored my letters. On 22nd July 2014 a letter was sent with false information from landlord and acting agent and based on that without proof the council said we were intentionally homeless.

We are still living at hostel and on 26th August an appeal was made, with a follow up letter to ceo on 4th November 2014, No reply was ever received expect a minded to letter on 24th October 2014.

 

I have opened a case with the local government ombudsman for maladministration and negligence.

My case worker has contacted the council and they were due to reply by 23rd March 2015 and this has been extended to 2nd April 2015.

In regards to decision they have advised i take them to county court regarding their decision of intentionally homeless, any advice appreciated ?

Edited by Conniff
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It would usually be by JR (Judicial Review) in High Court not county court. You will need to seek a good solicitor specialising in Housing and they will engage a barrister to represent you.

 

http://england.shelter.org.uk/get_advice/going_to_court/advice_and_representation

 

Is a good place to start.

 

Hope this Helps.

 

N

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hi,

as far i am aware Judicial Review is not available on legal aid and can cost thousands of pounds, so the option currently is county court, i am surprised there has been no more replies. Thanks for link have already been on shelter website.

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Have shelter not been able to offer any advice - it was my understanding they did have a legal department that would help with this type of issue ?

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hi,

as far i am aware Judicial Review is not available on legal aid and can cost thousands of pounds, so the option currently is county court, i am surprised there has been no more replies. Thanks for link have already been on shelter website.

 

 

 

What do you hope to achieve by going to county court? Apart from starting a claim, has your case worker said what you're claiming, grounds, etc.

 

 

We really need much more information.

 

 

Have you been in touch with your local councillor, MP, or even parliamentary candidates from other parties. You might find them falling over each other to help you at the moment.

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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  • 3 weeks later...

Hi Thanks for the replies.

 

Have had meeting with shelter family advisor and they have appointed legal team to look into case as there is ground to challenge their decision and take to court if necessary

 

I have tried the mp, councillor and mayor all of which have been a waste of time no help or replies from these people.

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If the council has made a determination that you are intentionally homeless under the Housing Act 1996, the route of appeal under s204 of that Act is to the county court.

 

You must have requested that the decision be reviewed (s202) and unless you have "good reason" not to have done so, an appeal must be brought within 21 days.

 

On the face of it you are well out of time and I doubt whether you would get permission to bring a late appeal.

 

What is a "minded to" letter, was that the outcome of the review of the initial decision?

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i did appeal within 21 days of their letter, also sent email complaint to ceo who sent a minded to letter stating they would stick by their initial decision. I have not got a final decision from them so cannot do county court procedure until they send final decision.

 

An interesting news article:

 

Government ends term with 55% rise in illegal B&B use

 

26 March 2015 | By Daniel Douglas

The number of families in bed and breakfast for longer than six weeks as at 31 December 2014 was 55% higher than the year before, according to official statistics released today.

The latest Department for Communities and Local Government (DCLG) figures show 780 families were in B&Bs at the end of last year for six weeks or more compared with 500 at the end of the year before.

The stats show a total of 2,040 families were in bed and breakfast-style accommodation at the end of 2014, which was a 31% rise from 1,560 the year before.

In the final statistical release on homelessness before the general election in May, the government data also shows that there were 20,000 more children in temporary accommodation in the last quarter of 2014 than there were when the coalition came to power in 2010 (see chart) – a rise of 31% in four years. In the last quarter of 2010, there were 69,050 children in temporary accommodation.

Source: DCLG live tables on homelessness

In the wake of an affordability crisis, a record 16,000 families (93% from London councils) have been sent out of the local authority area to cheaper temporary housing elsewhere. That’s a 31% rise from the last quarter of 2013 – when it was 12,190 – to the end quarter of 2014.

Government guidance says councils must house homeless families within their area unless this is not ‘practicably possible’.

Source: DCLG live tables on homelessness

Homelessness acceptances were also up 6% in the last quarter of 2014 compared with the same quarter the year before – rising to 13,650 households from 12,950 in the last quarter of 2013.

The number of people found to be ‘intentionally homeless’ – where a council decides it does not have a legal duty to giving housing assistance to a homeless household – is the highest ever on record, as a proportion of total decisions, having risen to 9% of total decisions in the most recent quarter for the first time, and up from 7% in 2009/10 (see chart).

 

David Orr, chief executive of the National Housing Federation, said: ‘These shameful figures reveal the true cost of us not building enough homes in England – more children stuck in temporary accommodation like hostels and B&Bs, often living in cramped and poor conditions.’

Campbell Robb, chief executive of Shelter, said: ‘This madness has to end. When our housing shortage has created a crisis this deep, there’s only one way out and that’s for politicians to commit to building the affordable homes we desperately need.’

Kris Hopkins, homelessness minister, said: ‘Throughout this parliament, departments have worked together to coordinate action on the issues facing homeless people

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So they reviewed their decision and send a letter saying they were minded to uphold the original decision?

 

Did the letter say they were minded to, subject to some other information being available or similar?

 

I don't understand why you haven't got a final decision.

 

Still, you've got the shelter legal team on it now and you won't have any difficulty with time limits if they haven't told you their decision, the shelter boys/girls willl be the best people to help you.

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  • 1 month later...

Just a quick update after getting the ombudsman involved and having shelter as a backup the council have finally decided that the change their and do not find me intentionally homeless and will help me in finding accommodation.

A year later but better late than never.

 

Regards,

 

Saj

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Thank you for the update.

 

If you want to help other members that may be going through a similar situation, feel free to let us know what you did and what happened.

 

Regards

 

SS

PLEASE HELP US TO KEEP THIS SITE RUNNING

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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Sajeel, the council may have changed their mind because of a recent Supreme Court decision on intentional homelessness: Haile (Appellant) v London Borough of Waltham Forest (Respondent) [2015] UKSC 34:https://www.supremecourt.uk/cases/docs/uksc-2014-0185-judgment.pdfThe judgment was published in The Times a day or two ago.

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Sajeel, the council may have changed their mind because of a recent Supreme Court decision on intentional homelessness: Haile (Appellant) v London Borough of Waltham Forest (Respondent) [2015] UKSC 34:https://www.supremecourt.uk/cases/docs/uksc-2014-0185-judgment.pdfThe judgment was published in The Times a day or two ago.

 

You could be right although i think the ombudsman complaint caused them to respond.I was prepared to challenge in county court and had shelter legal team on board as well. As each case is slightly difference my advice will be generic.

1) complain to council

2) complain to review officer

3) complain to ceo also speak so shelter at this point

4) after 12 weeks and no response from ceo them open complaint with ombudsman.

 

Most of all don't give up hope if you believe the council is being unfair then keep fighting back it seems with the councils its a battle of the strongest who will give up first and normally this is the applicant.

 

Hope this helps if anyone wants specific help then you can message me or reply to this post.

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I am pleased to hear that you managed to obtain help from the shelter legal team :)

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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