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    • just to clarify my point look at page 5 the right hand side black line to the right of the sig box is missing that sig info has clearly been copied and pasted by lowells on to that set of t&c's and if you look at other vanquis card CCA returns here on cag for that same set of T&C there has never been that box there anyway   Exhibit_NA1_(1).pdf
    • > they keep piling on charges and CRS are now chasing me for over £100. My membership was/is £9.99 a month. > So....am I at fault? Do I need to pay? You are not at fault. It is entirely their fault for making this whole process so difficult, and I'd love to seem them argue otherwise against any British judge. Have you ever met any other company who makes it this difficult to cancel a subscription? Probably not! Because it's a (sort of) legal grey-area. You owe them nothing. In what world does it make sense to charge a customer £90 for cancelling their (£9.99/mo) membership less than a month early? What other reputable company would do this? Nobody. This is not legally enforceable!     X4L/Harlands/CRS/Zinc are all part of the same group, and they all have absolutely zero legal power over you. They are not bailiffs. Nothing will happen to your credit and nobody will show up at your door. They will never dare take you to court, because they know that they stand no chance, but they might try to scare you. Pay no attention to this. You might get a few annoying emails/texts/phone calls, but do not answer nor reply to any of these - if you do, you're just giving them more to feed on. These people prey on vulnerable people who get fooled into thinking they're in the wrong. Ignore any and all communication with these scumbags.   Feel free to check out similar threads from 2010-2016 about X4L/Harlands/CRS/Zinc on this forum, you'll notice that every OP stopped replying after so long because these cowboys gave up on trying to steal money from them after they realised that they wouldn't budge. Their whole business is based on stealing money from innocent people. You'll be fine! Good luck. Keep us updated!    
    • looks like you still paid for ppi. {£236.03}   unravelling the crap in the letter it looks like your can make a PPI reclaim directly to welcome even though they were not GISC regulated, they are saying the underwriters were, but they cant say whom they were, but from other threads here it should be easy to work that out if needs be    so you had a loan of £2269.44 of which 236.03 was PPI   so ppi/loan*100=ppi%   236.03/2269.44*100=10.4%   so anything you paid 10.4% of it was for ppi so statint sheet time      
    • bang shot yourself in the foot why did you mention PPI in the sar request?  
    • Thank you for your response Eric's Brother. I have been out of the country and was told about this on my return. It is not clear yet whether the Company have paid this PCN. They have a flawed policy of paying these and asking questions later, even deducting the money from the employees wages if they don't get a response from the employee within a certain time limit. They couldn't have got a response from my daughter as she too was away on holiday which is why she lent her car to my son. I'm not sure this policy is legal ?. Anyway, I'm getting sketchy information in dribs and drabs. My son was visiting Wrexham for a one off event so is unable to get pictures of the car park signage or the ticket machine. I will get the image supplied by Parking Eye and post it up on here. Sorry for the incomplete information so far, but that's what I'm getting. Kids eh ?...no sense of urgency.
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Ruby_Tuesday

tenancy agreement

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Apology if this is in the wrong place....unsure where it should be.

 

28yr old homeless through no fault of their own, taken in my family member but they need to have a tenancy agreement in place to get help with rent. Currently not working due to having to leave work and area as nowhere to live and relocate to family for help but keen job seeker.

 

How or can ... a tenancy agreement be made in these circumstances please.

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I am no expert in this area but i would suggest you tread carefully.

 

Who owns the property fir which a tenancy agreement is needed?

 

If the householder is already a tenant with a HA or private landlord for example then subletting could cause all sorts if problems.


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ahh I see...I was thinking this which was about to me my next question if indeed the agreement could 'be' at all... the family are council tenants and am thinking subletting the small free space may not be the best idea then...probably best to take in the family member and just declare them as now living there and do it that way.

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Ahhh right...well yes this was my next question. Assuming a tenancy agreement could even be allowed in this circumstance. The family are council tenants in their own right, I am thinking that subletting their small free space may not be the best idea, it could be that they need to just declare the family member now living with them and go from there, part of the household etc.

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Hi Rudy

 

Could you just clarify that the family members are Council Tenants and have taken in a Homeless Person?

 

If this is a Council Property they would need Permission from the Council to Sublet. (The Tenancy Agreement would have a clause about subletting & IMO it would not be allowed)

 

Also for Council Tax this may be classed as a Change in Circumstances which they would need to notify the Council.

 

I can appreciate why they have done this especially at this time of year but they do need to tread carefully.


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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.

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

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yes its a local family who are council tenants, and a relative has become homeless through no fault of their own, and they have taken them in. I have found an online calculator with non dependants calculations, I would imagine a family member staying temporarily would come under this.

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That would really depend on the Councils interpretation especially if that individual has already registered with the Council as Homeless and are staying in the Family Members Council Property.

 

I do respect what they are doing but just be careful.


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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.

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

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yes I get your point...I feel much the same, I think they are in a bit of a dilemma.

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