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    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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Deteriorating dying father to move in for care


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My terminally I'll father needs 24 hour care. We want him to move in with us but our house is too small (2 children, 2 bed house) We are both with housing association new charter, is there any way we can get the ball rolling as we need this to be able to care and comfort our Father the best way possible.

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Very sorry to hear of your Father's poor health :(

 

I think you are going to be hard pushed here, it is likely that the Housing Association will look at the time your Father has left - if as I am assuming you are looking to move to a larger property to have your Father move in with you so you can care for him !

 

Does your father have a Social Care Plan in place ? Would they be able to speak to the Housing Association on your behalf, do you think ?

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While I am not a specialist on this... This should help;

 

 

Step 2 - Applying and 'bands'

 

If you are eligible to apply for a home with us, you will then be able to complete our online application form. We will use the information on this form to place your application in a “band” depending on your housing needs.

 

Gold

Overcrowded by two or more bedrooms

Former armed services personnel

 

Silver

Fitness and mental health need

Overcrowded by one bedroom

Private tenants or residents in unsuitable or insecure accommodation (includes residents in temporary/supported housing)

Lodging with family, friends or private arrangements

 

Bronze

Tenants of another Registered Provider (RP) needing to move for caring arrangements (in receipt of carers allowance)

People in tied accommodation

Under-occupying tenant of social housing belonging to another Registered Provider

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Hi Ragnbone

 

I am sorry to hear your news.

 

Where is your Father staying at present? (Are they a Tenant or own there own property?)

 

To be moved by your HA it would have to be through Medical Needs (if your Father isn't a Tenant it may be more difficult) as citizenB has pointed out in post#2.

 

It is going to take you getting as much medical evidence letters of those looking after your Father, remember they would need to put in the letter the specific medical reason for requesting such a move, size property needs to be, whether ground floor bedroom needed etc. (letter to HA are always better from Hospital Consultants as they hold more weight, Occupational therapy, Social Work etc).

 

Get as much medical backing in writing as possible, also ask your HA for the Medical Assessment form for moving property.

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Hi Ragnbone

 

Just thought I would pop in to see how you doing.

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

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  • 2 weeks later...

i did see this and i thought i would comment . please dont take this the wrong way . Are you sure you having your father move in with you in in his and yours best interests . i have been there it does put a enormous strain in the family . all i am saying are you sure he would not be better in a home where he could get the care he requires and you could visit. Apologies if this came over wrong its just i have been though your situation

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I have first hand experience dealing with mental health.

the last thing your farther will want is to put pressure on his grand kids or kids.

 

Putting alot of anxiety and stress on the family ill be part of a housing associations ethics responsibility.

 

Your initial request was for him to move in you and your family. but I agree postnm.

 

Its often hard to see poor mental help in people and those that have it learn to disguise it well.

 

Sharing a few thoughts

bankers4me

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