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    • Thank you Andy/Dx   UPDATED Defence, 3 days remaining.   Not sure where to mention invalid PAP. I put it under number 5. Please check if this is good to go.   Defence   The Defendant contends that the particulars of claims are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any allegation to which a specific response has not been made.   The Claimant has not complied with paragraph 3 of the PAPDC (Pre Action Protocol) – failed to serve a letter of claim pre-claim pursuant to PAPDC changes of the 1st October 2017. It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC.   1. I have in the past had financial dealings with Lloyds Banking Group. I do not recall the precise details of the agreement and have sought clarity from the claimant.   2. However, I do not recall ever receiving a Default Notice pursuant to sec 87(1) CCA1974.   3. I do not recall ever receiving this notice pursuant to sec136 of the Law of Property Act 1925.   4. I do not recall ever receiving a letter of assignment from the Lloyds Banking group advising the debt was assigned to the claimant.   5. Claimant served the invalid PAP with no connection to their court claim,   6. On receipt of this claim I sent CPR 31.14 and section 77 request. The claimant failed to provide a valid copy of the agreement and therefore remains in default of said request.   7. It is therefore not accepted with regards to the Defendant owing any monies to the Claimant and the Claimant is put to strict proof to:-   a) show how the Defendant has entered into an agreement; and b) show how the Defendant has reached the amount claimed for; and c) Show or evidence service of a Default Notice/Notice of Sums in Arrears, d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.      
    • no.   i wonder if the OP is entitled to CTAX benefit, thats only available from the relevant council...most on UC can get it..   but your MP is by far the most successful route to sorting these issues we've seen here to work.
    • dx100uk  unclebulgaria67   OP is on UC.   Could the council apply for weekly amounts to be deducted from UC claim ?
    • I suggest you start reading around this forum about the steps involved in taking a small claim in the County Court. It's very straightforward but you should understand the steps before embarking on it so that you are confident. We will help you all the way. Once you have done this basic reading then come back here and we can begin the process if you are happy to go ahead. On the basis of what you say, I expect that your chances are better than 90%. I also expect that West Cheshire Facilities Management will want to put their hands up before it goes to court and get a judgement against them. We would want to see your letter of claim before it sent off but I suggest that it is made clear that Social Security's have already been informed and that when you get a judgement against West Cheshire Facilities Management, you will make sure that social services and the health service generally are all circulated with copies of the judgement. If West Cheshire Facilities Management really want to take that risk with all of the reputational and business risk that accompanies it, then they are being extremely shortsighted.
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

Worried about losing house


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Hi everyone,my mum is worried about losing the house because she's recently split with my dad.we have a 4 bedroom house which we've had for over 20 years and us kids have grown up and left in that time.

 

So mum and dad have been in the house but if dad leaves it will only be mum there,will housing association take house from her because it's too big for her? She has no rent arrears or anything,she wants to keep house and willing to pay bedroom tax for spare rooms

 

Thanks

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Don't think they can force her to downsize or change the contract terms of a Housing Association property at this time. As far as I'm aware, it was new council house tenancies that were affected.

 

If your mum gets help towards housing costs, she may have to update information with them and could find she has to pay more from her own pocket.

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They may ask her to move to a smaller place however if she has a secure tenancy, it may prove more difficult to force that on her. (in my opinion)..

 

Thank you so much,is there anyway to find out if she has secure tenancy?

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Don't think they can force her to downsize or change the contract terms of a Housing Association property at this time. As far as I'm aware, it was new council house tenancies that were affected.

 

If your mum gets help towards housing costs, she may have to update information with them and could find she has to pay more from her own pocket.

 

Thank you smokiejoe

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If you've had the house for over 20 years, she won't be forced to move out. Some local authorities may offer financial incentives to move to a smaller property. If she claims housing benefit, she would be hit by the so-called "bedroom tax", which is not a tax at all, it means she won't get enough HB to cover the full rent.

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If you've had the house for over 20 years, she won't be forced to move out. Some local authorities may offer financial incentives to move to a smaller property. If she claims housing benefit, she would be hit by the so-called "bedroom tax", which is not a tax at all, it means she won't get enough HB to cover the full rent.

 

Thank you so much Laura,she claims housing benefit so has to pay bedroom tax,if I wanted to move back in with her would this affect housing benefit further or would it stay the same because she pays bedroom tax anyway?

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Thank you so much Laura,she claims housing benefit so has to pay bedroom tax,if I wanted to move back in with her would this affect housing benefit further or would it stay the same because she pays bedroom tax anyway?
As I said, it's not a tax she pays, she has to find the money to pay the difference between the HB and the actual rent.

 

Normally a single person is only allowed one bedroom, if you moved in, she should be allowed two bedrooms and she should get more HB, however, if you work or have an income of your own and move in with her, your income may affect the HB entitlement.

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You moving in and earning a wage will also stop her single persons allowance in relation to council tax.

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I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

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You moving in and earning a wage will also stop her single persons allowance in relation to council tax.

 

I currently receive esa for depression/anxiety so will this affect her HB?

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It will inevitably have some effect on HB, best to try one of the online benefits calculators with the new scenario to see what will change.

 

https://www.gov.uk/benefits-calculators

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

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  • 2 weeks later...

Hi. My parents separated and my mam stayed in the house.

She lives in a 3 bedroom house. My sister did live with her but has since moved out. When my sister lived there the council needed to know how much her wages were and my mam needed to pay £60 rent as my sister lived at home. My sister has since moved out and my mam now pays bedroom tax. My mam also claims full HB

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