Jump to content


  • Tweets

  • Posts

    • Hi, I’m hoping someone can help me understand what is going on with my mortgage lender. I fell into 4 months arrears but have a repayment arrangement in place for the mortgage amount & to clear the arrears this was arranged by another organisation who work on their behalf.   I have now received a court hearing date letter for 20th December for a possession hearing and I’m really confused as to why I’ve received this. I’ve contacted the organisation I arranged the repayment plan with but haven’t had a reply yet.   What is the best thing for me to do now to get this resolved? 
    • It is at the dealer that performed the service that identified the issue. I have not moved it, because even if I wanted to I came drive it now knowing what I do. I told the finance company sitting in the dealership reception.   I did not decide to take it for repair to a garage near me. I had no idea this was there until it was shown to me. I have also straight up asked them if they are happy where it is and they said yes. I have incurred no further costs outside the initial service it was due, that I have obviously no intention of claiming back.    to summarise facts: I purchased a 2015 car on HP for £31,980 in July from an independent dealer. The car has full main dealer service history and had done 36000 miles Car went in for its 6 year service at my nearest main dealer on 25th November When it came to change the spark plugs, coolant was found in the spark well for cylinder 7. I saw this myself. Could not definitely say what it was caused by (apart from the obvious - a crack) as no one had seen a similar fault so performed more diagnostic tests. I contacted finance company via their live chat informing them of issue- yes I have a transcript. Was told a complaint was raised and they would be in touch. I then went home. when I got home a form had been emailed to me to fill out that asked questions such as what I had done so far, where it is, what resolution I would like and other needless things like was it taxed or insured. I completed and forwarded the form Dealer diagnosed a crack in the cylinder heads water jacket the next morning, causing a slow leak under pressure. The dealer did not charge for the diagnosis. I asked the dealer to email me a report. I then forwarded this to the finance company with an updated version of the form sent the previous day. The following Tuesday I got an email saying they tried to phone me and asking, I quote “I understand you were in the process of getting a Diagnostic Report completed on the vehicle, please can you send this into us so we can forward this on to the dealer to investigate?” To which I sent it again, informing them I sent it the previous Friday  I contacted their customer services to ensure receipt, getting through to my case handler appears impossible. They said they had. Not having heard anything I finally managed to get through to my case handler last Thursday. They say they are waiting on the dealer. At this time I said I am raising it under my credit agreement with you to be told “ we do this everyday we need to hear from them” I get an email back, back peddling a bit saying  “Further to our conversation, we have forwarded the information and report you have sent in to the dealership <name>.  We are jointly liable with the dealership for the issues with the vehicle, however as we don't have a work shop to repair the vehicle, we give the dealership the responsibility and a single opportunity to repair the faults. Once the dealership have reviewed the information we have provided, and we receive a response from them, we will contact you to update you. ”   I then received a phone call where I was told they need their engineer to inspect the vehicle, I asked if that was necessary as they already have a report for a pretty simple fault. I was told yes. I then said I insist on being there for it. I also confirmed if the car is ok where it is. I followed up with an email summarising our call and haven’t heard anything since. I don’t want to be bent over here, nor do I want this to drag on. So I am not keen on waiting eons for the local guy from the pub to inspect it then get his mum to write a report which evidence points to being the quality delivered from the engineering company they use. I may be over cynical here but I’ve already had one crappy bit of news so why not more.   If I have to pay for it myself then try claim it back I’d probably go down a more legal route. What is a reasonable time frame to agree that the solution is to fix a crack in a lump of aluminium?    
    • This discussion has become rather stop start – mainly, I suppose, because of the difficulty you have had in getting quotes. However, could you just sum up here the cost of addressing all of these defects – and how much have you paid already?
    • SALE OF THE CENTURY: The government’s plans to sell off the UK’s vaccine manufacturing plant will leave the country vulnerable to emerging Covid variants ahead, the head of the centre behind the Oxford jab has warned.   Professor Adrian Hill told The Independent that the sale of the Vaccine Manufacturing Innovation Centre (VMIC) in Harwell was like “having been in a terrible war and you suddenly cut your defence budget substantially”.   Labour’s Wes Streeting, the new shadow health secretary, said it “would be unbelievably short-sighted and complacent” to sell off VMIC with a pandemic still raging. Meanwhile, concern mounts over the slow rollout of booster jabs. Data shows at least 300,000 housebound people haven’t yet had their booster, according to The Telegraph.   -Independent         Vaccines Manufacturing Innovation Centre, Oxfordshire, UK WWW.PHARMACEUTICAL-TECHNOLOGY.COM Vaccine Manufacturing Innovation Centre (VMIC) in Oxfordshire will become the first-ever facility dedicated for the development and...        
    • So what is the next step here?
  • Recommended Topics

  • Our picks

  • Recommended Topics

Housing association


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2285 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I don't believe HAs are covered by FOI requests as they aren't public sector but you should be able to get a copy of their published accounts. A sar will only give info about your dealings with them.

 

What specifically do you want to know?

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

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

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

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.

Link to post
Share on other sites

I want to find out how they allocate funding for repairs and property maintenance.

 

Across the rear of my back garden and my neighbors garden their were hedging.

 

The housing association put a new fence along the back of my neighbors garden but did not put one across the back of my garden.

 

To make matters worse the sub contractors that carried out the fencing work have left a gaping hole in my hedgerow compromising the security at the back of our home.

Link to post
Share on other sites

I don't believe HAs are covered by FOI requests as they aren't public sector but you should be able to get a copy of their published accounts. A sar will only give info about your dealings with them.

 

What specifically do you want to know?

 

Was not some sort of parliamentary debate instigated on this subject??

 

There was discontent Government contracts were being given to companies such as G4S and Capita with no oversight.

 

It was debated that these companies will be covered under the FOI Act on matters associated with Government contracts as if the request was made to the actual governing body.

 

It seems the topic just faded away or timed out of parliamentary debate time

 

Can anyone update this issue??

Link to post
Share on other sites

Was not some sort of parliamentary debate instigated on this subject??

 

There was discontent Government contracts were being given to companies such as G4S and Capita with no oversight.

 

It was debated that these companies will be covered under the FOI Act on matters associated with Government contracts as if the request was mayde to the actual governing body.

 

It seems the topic just faded away or timed out of parliamentary debate time

 

Can anyone update this issue??

 

I don't know about that but from the link provided by termi it says:-

 

Housing Associations

Not subject to FOI unless they are are wholly owned by the a single public authority/ the Crown and fall within the definition of Section 6.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

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

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

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.

Link to post
Share on other sites

I want to find out how they allocate funding for repairs and property maintenance.

 

Across the rear of my back garden and my neighbors garden their were hedging.

 

The housing association put a new fence along the back of my neighbors garden but did not put one across the back of my garden.

 

To make matters worse the sub contractors that carried out the fencing work have left a gaping hole in my hedgerow compromising the security at the back of our home.

 

It depends on the type of repair and the type of property, eg general needs, shared ownership, leasehold. Was the fence blown down, is the hedge maintained by a gardener paid for in a service charge?

 

Generally repairs are covered by a proportion of the rent though.

 

Have you asked the HA to put a fence there too?

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

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

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

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.

Link to post
Share on other sites

**you can post up images/letters by this method immediately. You don't need 10 posts**

.

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 http://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. Just upload it ..job done

 

Thread moved to the appropriate forum.

 

Regards

 

Andy

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 The National Consumer Service

 

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

Link to post
Share on other sites

Hi

 

Ref FOI what has been stated is correct HA are excluded from FOI unless they are are wholly owned by the a single public authority/ the Crown and fall within the definition of Section 6.

 

IMO the best way to deal with issue is to use the Housing Association own Complaints Procedure.

 

(Please bear in mind that when you make a formal complaint to the HA need to keep records of this and when the regulator does an inspection they can access these record but also the HA needs to record to complaints statistics in its annual return to the regulator).

 

So you need to follow the HA own complaints procedure and you must fully exhaust their complaints procedure and if still unhappy you can them approach the Housing Ombudsman but you must completely exhaust the HA own complaints procedure before approaching the ombudsman). http://www.housing-ombudsman.org.uk/

 

Something to remember in case the HA try to fob you off to the sub contractor is that the sub contractor was employed by the HA to carry out the work on behalf of the HA therefore any issues with or caused by the sub contractor are the full responsibility of the Housing Association to deal with.

 

Put you complaint in writing, title the letter Formal Complaint explaining your issue with the fence and anyone from the HA you have talked to and names if possible, keep copies you want to keep a good paper trail, get free proof of posting from the post office.

 

I would also ask for copies of the following documents:

 

1. Copy of the Complaints Policy.

2. Copy of the Repairs and Maintenance Policy.

3. Copy of Customer Care Standards.

4. Estate Management Policy.

5. Right to Repair Policy.

 

Now if the HA refuse to provide you with copies of the requested documents in your complaint just write back but this time requesting full clarification as to why the HA are refusing to provide copies of these documents how is the HA been Open & Accountable to its Service Users.

 

(check their website you may be able to download the documents if on their website and if not something else to add to your complaint why the HA policies aren't available on the HA Website)

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...