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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
    • stopping payments until a DN arrives does not equal automatic sale to a DCA...if you resume payments after the DN.  
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Vanquis - Moorcroft & PRA


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Hi

- I have an account with Vanquis that went into arrears.

 

Organised a payment plan with them but had to stop as hubby was made redundant and could not afford it.

 

Heard nothing from Vanquis

but got letter from Moorcroft saying they were handling debt.

 

Then a couple of months ago started getting statements from Vanquis with a note on the statement that debt had been passed to Moorcroft.

 

PRA have now been phoning and writing (since about 2 weeks ago) saying they are now responsible for the debt!!!

 

My query is this

- if I am still receiving statements does this mean my account is in default?

 

If it says on the Vanquis statement that Moorcroft are responsible

can PRA still contact me as have been getting at least 4 calls a day on my mobile which I have not been answering.

 

Should I carry on paying Vanquis even though they have not acknowledged my reduced payment plan now that they are sending me statements?

 

The debt is for £1516.

Any advice.

Shay

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I suggest the debt has been sold on?

 

 

check your credit file see below

 

 

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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Hi - I have checked my credit report and all it has is Vanquis no Moorcroft or PRA.

 

Can Vanquis still send me statements (last one I received as 29/11/15)

saying debt is being handled by Moorcroft and then also get a letter from PRA saying they are dealing with the debt.

 

 

Can two debt collection agencies handle the debt at the same time and if yes should they not be on the credit report.

 

I don't understand why I am receiving monthly statements if my account has been "handed over" as well???

Any advice?

Shay

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No two DCA's cannot handle the account at the same time, so sit on your hands, and wait until they fight it out amongst themselves as to which creche is going to chase you for this account.

 

You should receive an annual statement of account, which will tell you the figure owing.

 

Have you received a default notice, and then a termination letter afterwards?

 

Is the figure going up, down or staying the same?

 

Keep everything in writing, if they call and you answer, laugh and hang up.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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aha not been sold on then

you can totally ignore the silly dca's

 

 

they are not bailiffs and

have no such legal powers

 

 

carry on paying Vanquis direct

have you written to them regarding your financial troubles?

 

 

and asked them to freeze interest and penalty charges [which can be reclaimed]

 

 

as well as the ROP [PPI]

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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Hi - yes they have stopped interest etc and agreed on a payment plan which went a bit out the window for a couple of months due to hubby loosing his job.

 

They are sending me monthly statements were the figure is the same but it says on the statement next to the account summary that I should contact moorcraft as it has been passed over to them to recover the outstanding debt.

 

If that is the case why are they still sending me monthly statements with payment due date etc and also why is another company chasing for the debit.

 

Just received December statement with a due date of 04/01/16.

 

Soooo confusing.

Shay

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its not confusing

the original creditor has simply asked a couple

of no powers DCA's to give you a kick.

 

 

the dca's can safely be totally ignored

they don't own the debt

the original creditor does.

 

 

just carry on as you were.

 

 

and get reclaiming!

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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Agreed, Keep paying as you are, you can ignore the powerless DCA.

 

As long as you are paying the OC then there is nothing they can do, and hopefully they might eventually realise that these tin pot DCA's are a waste of energy.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi and thanks. Very clear now

- understand that is still owned by Vanquis and not the other two!!

 

 

Have had no notice of assignment etc so was also a bit confused as I did not also fancy any more dca's coming on board!!!

 

Just as a matter of interest,

if you pay one of the dca does the money go to them or the original creditor.

Was just wonder if it does go to the dca's if they make their payments!!!

 

 

Thanks for your help clearing this up, much appreciated.

 

Shay

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The money will go to the DCA if you pay them, they will then take their cut of the money before passing on the rest of it to the OC.

 

This is why you should never pay a powerless DCA, unless they own the debt, as it only encourages them, and makes OC's believe that they can pass the responsibility to a third party.

 

The whole reason behind not paying a DCA who then passes your funds onto the OC, is that you want to tell the OC that it is pointless employing these powerless nobody's and that you will only pay them direct, each time they have passed me onto a DCA I have continued paying the OC direct, if they sell it on, I've stopped paying.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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