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    • Shein has been linked to unethical business practices, including forced labour allegations.View the full article
    • 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
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hi All,

 

I have been browsing the forums for a while and am finally in a position to aim to repair my credit file.

 

This is where I stand at the minute:

£428 - Lowell - Showing as Defaulted in 2014(not sure of original creditor)

£767 - Kapama - this a payday loan and is FAR FAR higher than original debt to i beleive minicredit - Defaulted 2014

£216 - Myjar - Defaulted 2016(don;t understtand this as had no contact since February 2015)

£77 - Lowell - Defaulted 2014, again, unsure of original creditor

£251 - MKDP - Defaulted 2011 - Again, unsure of original creditor#

£291 - British Gas - Defaulted 2014

£1368 - British Gas - Defaulted 2014

£865 - British Gas elec - Defaulted 2014

 

As you can see I was in quite a mess but I aim to sort this out. I have got kind of lost within the forums and wonder if anyone would be able to respond or DM me on where to start.

 

The questions I have are many but start with, how do I check original creditors with the debts that are with the likes of Lowell, Kapama and mkdp. I know I need to send them CCA requests but the issue I have is I beleive a couple of them are for debts that I have had no contact with since around 2009 so past the 6 year statute. so how can lowell etc re-add a default that the original creditor already defaulted me on.?

 

Basically... where do I start and can I through negotiations have defaults Actually removed from my Credit file(I aim to get a mortgage soon)

 

Many Thanks

Me

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You know what to do, get the CCA requests off to them with the exception of british gas, i dont think those will be covered by any CCA but you can ask fir statements if account.

Ultimately tho if these are genuine debts and you have defaulted on them, it will be very difficult getting them removed.

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Hi, Thanks for the response and I understand that with the DCA's I have a good chance of getting all info removed but the issue I have is.. is it ok for a bank for example to have registered a default against me and then a DCA to reregister a default for what is in all intents and purposes an exising default?

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Did the bank default you?

There are many cases where the banks "could" and probably "should" have issued defaults but didnt.

What we are seeing is a big rise in banks waiting until an account is getting close to being at the point where it would naturally drop off your credit report, only to sell it on to a DCA who immediately default you.

In many of these the OC/bank continues reporting but with a zero balance and the DCA shows as a new account but in default, stuffing you for a further 6 years.

This is something i too am fighting atm with Barclaycard.

Utterly underhand and wrong IMO but unless you challenge it either through the ICO and/or court, they will continue to do so.

Even when the ICO order corrections, it sometimes still requires a court directive for them to comply.

 

In short, far from easy to get them removed and certainly not by simply paying them, that makes zero difference.

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Thanks... again..

 

The bank issued a default against me(this was sometime in 2008 and no longer shows on my credit report) and then sold the debt... this is where I have an issue. Is a default able to be placed on what is essentially the same debt.

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No, you cant be defaulted twice for the same debt.

 

If you can prove they are both the same debt ie via your credit report then you have a case to take to the ICO

 

This may involve obtaining historic info from the CRA's to show the original default and then the transfer to the DCA and new default for same debt.

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