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    • https://apertureiva.com/
    • its not a penalty charge. hope you've not used that word or the word FINE in any comms else you'll be viewed as someone that hasn't a clue what they are talking about...
    • An update 2 weeks further-on for the benefit of anyone coming along later in similar circumstances or currently following for a directly related reason.   No response to date from the Hospital, either to original correspondence or subsequent chase.   No response yet from PALS, written-to with all details/copies just a week ago after allowing a period for the Hospital to respond to a chase letter and step-up and have the penalty charge cancelled.   All corres. Special Delivery.   Parking charge reminder received from CPP dated 11 days after original (no contact intended with CPP, less than zero intention of making payment this side of eternity.)   FOI request sent Re. car parking equipment reported-faults - request received and acknowledged.   MP contacted, details/copies provided, moving toward meeting Re their involvement.   To contact press, local radio etc. accordingly.   Watch this space ...            
    • Hi all, apologies for the late degree of replies, I was using a mobile earlier and could not navigate the page very well. I have been trying to reply to each individual reply but cannot see where I can do that and I used "quote" which I am informed is incorrect (apologies if this has somewhat cocked things up)   Anyway I have established a little more info , as per Andy's enquiry, James ( my friend and the client in this instance) has confirmed it was Debt Free Direct who had set up the original IVA but they went into administration and were sold onto a company called Apperture, This is the company that Equity in Finance are supposedly holding any PPI recoveries for.   It transpires that Equity In Finance were "promoted" by Debt Free Direct as being able to recover PPI costs for James on the premise that HE would be receiving any recoveries less their fee for handling the claims, there was absolutely NO transparency that they would be with-holding all funds received for any and ALL ppi claims whether involved or not.   James is calling to see me tomorrow and we are going to check his credit file and also send off SAR's to ALL parties involved in the debacle. This will include, Apperture, Equity in Finance, The IP who handled the IVA and each of the banks/ loan companies & credit card companies he has personally claimed PPI from and also the ones that Equity in Finance have handled directly.   As I say there is definitely a rabbit off somewhere - Equity in Finance have taken / been sent every penny of the PPI recoveries including the ones that they have had no involvement in and the most recent being just in the last 4 weeks, despite the IVA being advised as closed in 2013 !!   even on the initial debt of £17000 plus fees ( currently shown on debt free direct website @ circa £3500 - yes they are apparently trading again !! ) the payments made under the IVA and the recoveries under PPI  have totalled been more than £40k so James is owed a hell of a lot of money which I can see no way that these companies are legally with-holding from him.   Lets see what the SARS bring in and then we will have a more defined basis of EXACTLY what we are looking at    Thanks guys for the initial advices - I will keep you all up to date on developments but any advices in the interim would be greatly accepted    Just a few links for reference :-  https://www.credit-connect.co.uk/commercial-news/corporate-insolvency/debt-free-direct-sold-aperture/   Debt free directs current ?? website https://www.debtfreedirect.co.uk/   Debt free direct confirmation of average fees and how paid   https://www.debtfreedirect.co.uk/fees
    • I have known some just take their commision direct from the account......as long as they are only invoicing you thats fine...ignore their invoices.
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charles1975

Terrible living conditions - Verbally abused - Possibly will be kicked out - HELP

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I've decided to post this in the Homelessness section, despite there being several issues at once and I need your advice, but mods, feel free to move this to a different section if necessary.

 

My situation:

 

- Just about to become 50

- Have lived in a terrible and dodgy guest house for 2.5 years. It wasn't dodgy and terrible when I went there

- When I went there I had a job and a single room. Now I've been on the dole for some time (on and off) and I am forced to share a room with other people.

- New people and new staff have come through the years and they have brought... how can I say.. dirtbags! Dodgy and abusive gits, people with a hefty criminal record, etc.

- The owners are the same but have given up on patrolling the place. They only come every now and again.

- Over the months I've been verbally abused by both staff and guests, mainly because I'm not in their circle of booze and drugs and what have you. This afternoon I was threatened by a fellow guest for petty reasons. I managed to speak to the owners. One of them says he'll do what he can but I can't trust him anymore.

- I'm struggle to find a job and leaving the place immediately is not an option. Virtually no landlord would rent to a 50yo unemployed, at least not in my area. So, in other owrds, I'm stuck here.

- Part of the staff (the dodgy ones) hate me and they told me straight in my face that they'll do what they can to convince the landlords to kick me out (I have no formal rental contract. I pay month to month) and I think they are very close to their goal.

 

So my questions are:

1) In the immediate what can I do? I was thinking of calling the police but what can they do? And the landlords have already hinted that if I call the police, my future at the place is at stake.

 

2) If they do kick me out, can I receive help as homeless? I'm on benefits, but I have some savings (under £6k).

 

Please I beg you not to think I'm just an intentional bum. I was in IT circa 10-15 years ago but my career is finished and I have nowhere to go. Thanks for reading.

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Hi

 

Are you sure this is a Guest House? sounds more like a Hostel

 

Did you decide to move into a Guest House yourself or were you placed there?

 

You are in a difficult situation especially if you cannot easily move elsewhere.

 

Now I am going to mention the Police and they Council, with both of these you insist that you wish to remain anonymous.

 

Contact the Police to arrange a meeting the your local community officer at a suitable venue and explain what is going on in the Guest House and insist that you want to remain anonymous due to the threats made against you.

 

The Council ask to speak to the department that deals with Guest Houses and make a formal complaint to them and that it should also be passed to the anti social behaviour team and again that you wish to remain anonymous due to the threats.

 

Look up all the different Housing Associations / Council Housing in your area and get a Housing Application filled in for each one as this gets you added to there housing list and at least you are on there waiting lists for housing (yes it can take some time to even get an offer) make sure if you move to inform them as most will annually review if you want to remain on list and if no response from you then removed from list so this is important.

 

This PDF may be of use:

 

Incident Log-with form fields -----.pdf


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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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It is also worth contacting Shelter, either a personal visit or call to the nearest office, or using their online chat service: https://www.shelter.org.uk/

 

I have found spareroom to be quite useful for locating lodgings and lodgers. Have used it to source a lodger in the past, and I was quite happy to accept HB from the right applicant. There are avenues that you can explore, so don't give up hope of finding somewhere decent even if it means looking in different areas of the country.


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Hi

 

Are you sure this is a Guest House? sounds more like a Hostel

It was a proper guest house; now it looks like a halfway house, but legally this is not a social hostel. They are on booking.com and a few other portals.

Did you decide to move into a Guest House yourself or were you placed there?

I decided it myself. I was working back then and it was at a stone's throw from work

You are in a difficult situation especially if you cannot easily move elsewhere.

 

Now I am going to mention the Police and they Council, with both of these you insist that you wish to remain anonymous.

 

Contact the Police to arrange a meeting the your local community officer at a suitable venue and explain what is going on in the Guest House and insist that you want to remain anonymous due to the threats made against you.

 

The Council ask to speak to the department that deals with Guest Houses and make a formal complaint to them and that it should also be passed to the anti social behaviour team and again that you wish to remain anonymous due to the threats.

 

Look up all the different Housing Associations / Council Housing in your area and get a Housing Application filled in for each one as this gets you added to there housing list and at least you are on there waiting lists for housing (yes it can take some time to even get an offer) make sure if you move to inform them as most will annually review if you want to remain on list and if no response from you then removed from list so this is important.

 

This PDF may be of use:

 

[ATTACH]72205[/ATTACH]

Thanks.

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It is also worth contacting Shelter, either a personal visit or call to the nearest office, or using their online chat service:

Shelter have told me they can only deal me if and when I am evicted, and also they said that, prospectively, they wouldn't consider it as a proper eviction as there's no rental contract. The CAB in my area is pretty much useless.

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Hi

 

 

 

This PDF may be of use:

 

[ATTACH]72205[/ATTACH]

 

 

Hi Stu007,

have you got an excel spreadsheet copy of this pdf? It's very difficult for me to edit. Thanks.

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Hi charles1975

 

Its in PDF Format only.

 

Could I ask what issue your having with the PDF?


How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

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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Hi charles1975

 

Its in PDF Format only.

 

Could I ask what issue your having with the PDF?

I find it difficult to fill it and edit.

 

 

I'll make a spreadsheet version myself.

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