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    • No problem. Just thinking - if you are not named on the mortgage why is the lender discussing with you? 
    • I'm gonna try fill out income expenditure later on this afternoon hun x  
    • I am inquiring about how older, single people are treated on UC and how often they are likely to be sanctioned compared to other age groups.   I am 47 in September and have always been Single, and if I was to be put onto Universal Credit soon (as I think I may be) then I am wondering how often people in my group would be at risk of sanction. I have seen charts where, the older the claimant is, the chances of sanction are less likely, but I have not been able to find out information about single people. I have seen a pie chart of that kind mentioning single parents or couples and even disabled people, but no mention of single people at all. Are people in my group hit hardest or not?   I am currently on ESA as I have a physical "limitation" and have mental health issues (anxiety and paranoia) but I heard that next year, everyone on legacy benefits will be moved over onto UC. Is that still the plan?  
    • Hello and good morning, I have been informed that my DLA is stopping and was asked if I wanted to claim PIP which I have done over the phone. I was hoping to download the form online until the proper form arrives in the post. I thought if I could fill in the forms with a little more time to consider my answers without the pressure of returning the completed forms on the dates that they require. Does anyone know whether the 2018 forms are the same for 2019 because I don't want to download them if the government has decided to change anything. Thank you for any help you could give me. Alan.
    • Thats what was reported as being the 'offer to labour wasn't it -   Effectively that they will agree that we will each aspire to have the option to pursue what we like, and whoever is next in power can pursue what they like. - ergo Gobbledegook meaning Nowt positive apart from limiting choices further per Mays withdrawal agreement limitations and making a hard no deal exit or indefinite uncertainty; both devastating UK investment and business; almost certain     I think that Johnson being voted in to be the scapegoat May was intended to be would cause an actual split in the Tory Party rather than just the internal war that's occurring.. I have severe doubts he would get in anyway - but he could probably end up as effective 2nd in power continuing the increased levels of backstabbing, power politicking and conflict in the Tory party.       Voting Lib Dem or Green in England and SNP in Scotland  seems to be the ONLY options for remainers, even if they are just there to promote a revoke/re-ref.   Not sure on the Welsh position          
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
        • Like
      • 0 replies

Recommended Posts

I am trying to find out information for a friend.  She was moved from her accommodation which she shared with others but each having a studio flat, as the Landlord wanted the property back.  As the group did not wish to be evicted, they contact an organisation called Hope Worldwide. They helped her move into another property in a different borough but it was a shared accommodation. She has been in the property for over 3 years.  She recently spoke to the Landlord and found out that he contract with the landlord had expired. She asked if it could be renewed however the Landlord refused but is still allowing her to remain in the property as the rent is still being paid by the DWP.  She is currently receiving Universal Credit but looking for a job. She would like to move out of the flatshare but as she is a single person is not considered a priority.  Any suggestions?

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Housing rental likely to be open ended with landlord required to give notice, if they wanted tenants to move out for reasons other than eviction due to rent arrears.

 

Universal credit housing compared to council housing benefit does not appear to be as restrictive in terms of people moving to other parts of the UK. If your friend can find housing elsewhere, then subject to UC housing amount payable being enough, then there is nothing stopping your friend moving.  If your friend is is aged 35+ or in receipt of a disability benefit then they can receive at least 1 bed rate.


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Hi

 

I assume this is private housing and she has been in the present flat share for 3 yrs so here tenancy agreement is more than likely a periodic tenancy now as the fixed term has expired (this is me guessing)

 

What tenancy agreement did they sign for the flat share and do they have a copy?

 

They need to look at what social housing is in the area i.e. council housing, housing association, housing trusts etc and get there application forms and fill them out and send them back to each. This way they get there name added to the waiting list for housing but if they move they must inform each of that move otherwise they may be removed from that list as contactable ( most review there lists each year and send confirmation to the application address unless updated, if no response removed from list)

 

 


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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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Thank you for this information. I have messaged the company who placed her in the property and asked if they can intervene.

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Why does she want to renew the contract if she wants to move out? A new contract would mean that she is bound by the fixed term so would be liable for rent until the term finished. Because there is no renewed tenancy does not mean that she has no tenant's rights. The landlord still needs to give sufficient notice to evict her, and she needs to give sufficient notice to leave too. What that notice period is depends on what type of tenancy was originally signed.

Edited by Will Goodfellow

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Thank you for your reply.  I have tried to get her to contact the organisation who placed her there in the first place. She is waiting for them to make contact to sort this out for her. 

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