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    • I cant help thinking that if we had to complete a questionaire that asked if you were "physically able bodied" before you were interviewed then this would be classed as discriminative.   Yet you can be asked to explain a gap in employment and that this is not classed as discriminative to people who may have had a mental breakdown.   Ok on this occasion I had taken a work break, if thay had asked a bout a break I had taken 10 years earlier then it would have been a different story as I had suffered depression and anxiety at that time.   It just seams to me that it puts people who have had a mental health issue at a disadvantage.      
    • I am just outside of the HS" zone for compulsory purchase. However,I put my house up for sale 4 weeks ago, and have had 2 viewers. Both said they like the house but the threat of HS2 having framework across the road put them off buying my house.    I am aware that I can take HS2 to court and get the court judge to (hopefully),force HS2 to purchase my house at market value under the Blight Order.    How do I go about starting the process?. Which court would the case go to?. Am i best enlisting a claims specialist with success in this field?.    The estate agent who my house is on the market with has told me that they have the feedback documentation from the 2 viewers testifying that HS2 put them off buying my house, so they would be available to the court.    Apparently there has already been 1 successful case on my street, and 1 two streets down, and there is another case on my street going through the court.    Any help, laws,quotes etc would be greatly appreciated.
    • Hi HubbaLoo and welcome to CAG   It's no surprise that the likes of CARS and Harlands  make far more charging admin fees than they do from taking a small monthly percentage of the gym fees.   It's best to tell CARS your new address - best that you know what they're up to at all times.   Send them a typed letter (no emails for now) saying:-   Dear sir or madam,   Membership at [town/city] DW Gym   My current address is as shown above.   I cancelled my membership when I relocated and supplied details of moving. I do NOT have to supply utility bills etc as demanded from you and will not enter into further correspondence with you.   If you continue to harass me for payments of admin fees, I will make formal complaints to the appropriate authorities.   Yours faithfully.    
    • It is not the DVLA that insist it must be insured, it is s.144A, Road Traffic Act 1988. Off road and SORN is one of the exceptions - s.144B of the same act.
    • Update  Ico and tpos are both useless Martin quinn has said to them that the signature on the tenancy agreement is diffrent and neither have asked for proof  The police have not given me an update on the supposed burglary or speakers that went missing that the man n van was meant to deliver  even after asking 9 times so now I'm trying to put pressure on them to tell me why they wont    I'm also going to try and get him under the Protection from Eviction Act 1977 as what he has done is a criminal offence
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gd47

Rental Exchange

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Hi,

 

Just had a letter from the local council saying they are going to participate in the "Rental Exchange" scheme with Experian.

 

Perhaps I'm being a bit over concerned, but the mention of Experian, council and sharing information immediately makes me extremely cautious!

Should I opt out from this scheme?

 

Incidentally, I have never had any rent arrears, so in theory should have nothing to worry about.

Additionally, I wonder how much the council is making out of the deal, given that neither Experian nor the local council are world-renowned names in the field of philanthropy.

Edited by Andyorch
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Hi

Irrespective of whether there is any financial benefit to councils/landlords, I too would be worried. Yes, I see some benefits but the negatives may outweigh the good.

 

If the housing information was included in a credit report, lenders would see whether the rent is being paid-in full and on time. With Universal Credit, most tenants will be responsible for paying their own rent. This is (IMO) a good thing but, what about those that pay in full but a bit late? Would a late payment marker be placed against the tenant? (not so good)

 

How about those who pay rent in two instalments a month? A late marker every month will be placed and will make lenders more cautious as to whether to offer a loan even though the tenant can easily pay the monthly charges.

 

There is very little info on the Experian site to explain these issues. My credit file is fairly good but is held back by my not having (nor wanting) a credit card. I could get a card with my rating at the moment and have a good interest rate as well. I would hate it if my rating was hit when I forget to pay my rent on time (a regular thing with me).

 

As it stands and if/when I get contacted, I wouldn't want to enrol.


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Hi

 

I have to agree with silverfox1961 I know a lot of Councils/Housing Associations are trying to bring this in under the pretext of a financial benefit to improve your credit file.

 

My own Housing Association tried this and it backfired on them.

 

I certainly would not give them my permission to share information

 

Does the letter you got at all mention the General Data Protection Act coming into force on 25th May 2018 and your rights.

 

The GDPR provides the following rights for individuals:

 

1. The right to be informed

2. The right of access

3. The right to rectification

4. The right to erasure

5. The right to restrict processing

6. The right to data portability

7. The right to object

8. Rights in relation to automated decision making and profiling.

 

https://ico.org.uk/for-organisations/guide-to-the-general-data-protection-regulation-gdpr/


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To answer your query about how much the council make out of this the answer is nothing in cash terms.

 

I would however bet that they then get free access to your credit files so if you do a runner without paying the gas bill they will come looking for you as well as the gas co. This is all a govt wheeze tohelp solve a problem by creating a bigger one.

 

The council and the govt seem to have forgotten why you have a credit file and it isnt to show you are a good payer, it is so people can lend you money and make a profit from you and paying your rent wont affect this one bit

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