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    • Shein has been linked to unethical business practices, including forced labour allegations.View the full article
    • Hi I have to agree with @unclebulgaria67 post#3 For the funding side of moving to a new area and it being private supported accommodation I would also suggest speaking to private supported accommodation provider about funding but also contact the Local Council for that area and have a chat with them about funding because if you are in receipt of Housing Benefit certain Supported Accommodation that meets a certain criteria is treated as ‘exempt accommodation’ for Housing Benefit purposes but you need to confirm this with that relevant Council in your new area especially since it is Private Supported Accommodation as each Council can have slightly different rules on this. If you have a certain medical condition look up the charities and also have a wee chat with them as they may be able to point you to different Grants to assist with moving costs and your question about funding for private supported accommodation as well.
    • Hi Just to be clear a Notice to Quit is only the very start of the Housing Association going down the Eviction route there is a long process to go. Also to be clear if you leave at the Notice to Quit date only and go to the Council claiming you are Homeless they will more than likely class you as Intentionally Homeless therefore you have no right to be given temporary housing by the Council. The only way that works is when the Court has Granted a Possession Order then you can approach the Council as Homeless with the Court Order. As for the Housing Association issuing the Notice to Quit because there investigation has proved it's not your main residence but you have witness statement to prove otherwise. From now on with the Housing Association you need to keep a very good paper trail and ensure to get free proof of posting from the post office with anything you send to them. You now need to make a Formal Complaint to the Housing Association and please amend the following to suit your needs:   Dear Sir/Madam FORMAL COMPLAINT Reference: Notice to Quit Letter Dated XX/XX/2024, Hand Delivered on XX/XX/2024 I note in your letter that you stated that the Housing Association has carried out an investigation into myself and came to the conclusion that I am not using this property as my main residence and have evidence of this and have therefore issued a 'Notice to Quit' by XX/XX/2024. I find the above actions absolutely disgraceful action by the Housing Association. 1. Why have I never been informed nor asked about this matter by my Housing Officer. 2. Why have I never been given the opportunity to defend myself before the Housing Association out of the blue Hand Delivered a Notice to Quit Letter. 3. I have evidence and witnesses/statements that prove this is my Main Residence and more than willing provide this to both the Housing Association and the Court. I now require the following: 1. Copy of your Complaints Policy (not the leaflet) 2. Copy of your Customer Care Charter (not the leaflet) 3. Copies of your Investigation into this not being my main residence.    As well as the above you need to send the Housing Association urgently a Subject Access Request (SAR) requesting 'ALL DATA' that simple phrase covers whatever format they hold that in whether it be letters, email, recorded calls etc. The Housing Association then has 30 calendar days to respond but that time limit only starts once they acknowledge your SAR Request. If they fail to respond within that time limit its then off with a complaint to the Information Commissioners Office (ICO).     
    • Hi Sorry for the delay in getting back to you The email excuse and I do say excuse to add to your account and if court decide LL can't recoup costs will be removed is a joke. So I would Ask them: Ask them to provide you with the exact terms within your Tenancy Agreement that allows them to add these Court Fees to your Account before it has been decided in Court by a Judge. Until the above is answered you require these Court Fees to be removed from your Account (Note: I will all be down to your Tenancy Agreement so have a good look through it to see what if any fees they can add to your account in these circumstances)
    • Thank you for your responses. As requested, some more detail. Please forgive, I'm writing this on my phone which always makes for less than perfect grammar. My Dad tries but English not his 1st language, i'm born and bred in England, a qualified accountant and i often help him with his admin. On this occasion I helped my dad put in his renewal driving licence application around 6 weeks before expiry and with it the disclosure of his sleep apnoea. Once the licence expired I told him to get in touch with his GP, because the DVLA were offering only radio silence at that time (excuses of backlogs When I called to chase up). The GP charged £30 for an opinion letter on his ability to drive based on his medical history- at the time I didn't take a copy of the letter, but I am hoping this will be key evidence that we can rely on as to why s88 applies because in the GP opinion they saw no reason he couldn't drive i need to see the letter again as im going only on memory- we forwarded the letter in a chase up / complaint to the DVLA.  In December, everything went quiet RE the sleep apnoea (i presume his GP had given assurance) but the DVLA noticed there had been a 2nd medical issue in the past, when my father suffered a one off mini stroke 3 years prior. That condition had long been resolved via an operation (on his brain of all places, it was a scary time, but he came through unscathed) and he's never had an issue since. We were able to respond to that query very promptly (within the 14 days) and the next communication was the licence being granted 2 months later. DVLA have been very slow in responding every step of the way.  I realise by not disclosing the mini stroke at the time, and again on renewal (had I known I'd have encouraged it) he was potentially committing an offence, however that is not relevant to the current charge being levied, which is that he was unable to rely on s88 because of a current medical issue (not one that had been resolved). I could be wrong, I'm not a legal expert! The letter is a summons I believe because its a speeding offence (59 in a temp roadworks 50 limit on the A1, ironically whist driving up to visit me). We pleaded guilty to the speeding but not guilty to the s87.  DVLA always confirmed to me on the phone that the licence had not been revoked and that he "May" be able to continue to drive. They also confirmed in writing, but the letter explains the DVLA offer no opinion on the matter and that its up to the driver to seek legal advice. I'll take the advice to contact DVLA medical group. I'm going to contact the GP to make sure they received the SAR request for data, and make it clear we need to see a copy of the opinion letter. In terms of whether to continue to fight this, or to continue with the defence, do we have any idea of the potential consequences of either option? Thanks all
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Darling 2 takes on the TSB**won**


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Hi Darling

 

Hope you dont mind me tagging on? I am claiming just over £10000 from Lloydstsb too so am very interested. I am at the point of filing claim with court.

 

Want to wish you the very best, i will be right with you!!!

Martinengo[sIGPIC][/sIGPIC]

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hope todays the day and you don't have to go to the court tomorrow. I will be keeping my fingers crossed all day for you sue

 

good luck.

Pen

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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THank you all. We are feeling very worried, even though nothing can be won or lost tomorrow, we have tried to prepare, But are not sure that we are up to Judges and their clever ways - if you know what I mean, But will let you all know asap when we get back, GULP:o.

Hi Pen - missed you:p

 

Darling1

If I have been of any help to you please be kind enough to click on my scales! Thank you

 

:D Halifax Bank...December 2006 ..... WON! 1 week after N1 filed.

:eek: Lloyds TSB....... April 2007 Lloyds TSB.....WON, 1 day before prelim. court date, still went before judge.

:p Nationwide.........April 2007 Nationwide.......WON, 3 weeks after N1 filed.

:rolleyes: Nat West....June 2007 (on behalf of friend) Settled after LBA and before filing.

:smile:HSBC - full settlement ...on behalf of my son...

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Hi Sue, glad someone does. if they are there tomorrow give them what for, only if they are smaller though otherwise stand on a chair and give them a clowt from all of us.

 

get in touch as soon as you get back, i will keep my computor on all day waiting to hear what happend.

 

Go Get Em

Pen

oh hows hubbies homework going, hope he does not come down with a sore throat. if he does throttle it.

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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Thanks for that Pen!........I'm sure the OH will apreciate that!! Also happy to keep you happy Lorraine!!! Keep up with it all and hopefully we will also be laughing by this time tomorrow, or if not we will at least know what the future holds and then we can plan what to do next, all this time waiting around is really boring and stressfull, I manage to keep a smile on my face by thinking about all the interest they are racking up!! So my claim should be considerably bigger by the time it is sorted!

If I have been of any help to you please be kind enough to click on my scales! Thank you

 

:D Halifax Bank...December 2006 ..... WON! 1 week after N1 filed.

:eek: Lloyds TSB....... April 2007 Lloyds TSB.....WON, 1 day before prelim. court date, still went before judge.

:p Nationwide.........April 2007 Nationwide.......WON, 3 weeks after N1 filed.

:rolleyes: Nat West....June 2007 (on behalf of friend) Settled after LBA and before filing.

:smile:HSBC - full settlement ...on behalf of my son...

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I'VE WON...........I'VE WON............I'VE WON.................I'VE WON..........

 

I'VE WON ..........I'VE WON............I'VE WON.............I'VE WON...etc..etc

 

well actually, I have done all the work and the OH has won :o , Oh well whats mine is his (the bills) and whats his is mine!!!!.....:rolleyes: He just looked at his online bank statement this evening about 10 mins ago and there it was! He just said "would you believe it" I on the other hand shouted whooooooo!! and have done 20 laps of the house!

 

They ahve sent £335 more than I originally claimed on the N1 and that just about covers the extra interest that they owed after that date and the £100. aq fee....But if its a few quid short - we are not going to argue anymore over it.

 

No correspondance from them yet, but will let you know what happens - don't actually care anyway now!

I assume that I should write to the court and deliver it first thing to the court office, problem is that the court office opens at 10 and the case was to be heard at 10. we shall have to go down, and hand in the letter, hope the Judge doesn't still need to see us!

 

ITS OVER HORRAHHHHHHHHHHHHHH!

 

THANK YOU TO YOU ALL ESPECIALLY.. GARYH, GUIDO, AND MY OLD MATE PEN FOR ALL THE SUPPORT AND GUIDANCE, COULDN'T HAVE DONE IT WITHOUT YOU ALL.XXXXXXXXXXXXXXXXXXXXXXXXXX DARLING1 :p

Will try and make a donation to the BAG right now!!

If I have been of any help to you please be kind enough to click on my scales! Thank you

 

:D Halifax Bank...December 2006 ..... WON! 1 week after N1 filed.

:eek: Lloyds TSB....... April 2007 Lloyds TSB.....WON, 1 day before prelim. court date, still went before judge.

:p Nationwide.........April 2007 Nationwide.......WON, 3 weeks after N1 filed.

:rolleyes: Nat West....June 2007 (on behalf of friend) Settled after LBA and before filing.

:smile:HSBC - full settlement ...on behalf of my son...

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FAN-BLOOMIN-TASTIC!!!!!!:D

 

CONGRATULATIONS!!!

 

And to think he ever doubted you! Tut, tut...:razz:;)

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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In the most read thread and the longest in CAG history it would seem, it gives me great pleasure to say

THANK GOD FOR THAT!!!

 

MANY CONGRATULATIONS.

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Many CONGRATULATINS

well deserved :D :D

MY CASE

 

Newbody Vs Abbey

 

NB: Please read the FAQs & step-by-step instructions thoroughly & completely before commencing any action

 

the following is a link to a web archive of abbey websites over the time click on month under year to access Abbey's site for that time period to get what the terms and conditions were for when you opened your account Internet Archive Wayback Machine hope it helps or here for where i have started to pull them out to http://www.consumeractiongroup.co.uk/forum/abbey-bank/91707-archives-abbeys-web-pages.html

 

Advice & opinions given by me are my views or how i would respond, and are not endorsed by the Consumer Action Group & are offered informally, without prejudice & without liability. Your decisions & actions are your own - if in any doubt, seek the opinion of a qualified professional

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Hi Ho Hi Ho, its off to disney you will go. get it all book and paid for and enjoy it. leave him of little faith to do the house work. oh no its hi money, why do i keep forgetting, i am so proud of you you deserve it all and so glad you stuck to your guns with the CI thing. what am I going to do now I have lost a friend. you will have to join Gary and the gang and advice me now your joined the experts oh "great one".

 

CONGRATULATIONS SUE

sending you all my love

Pen xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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Thankyou all for your lovely comments,I could not have done it without all the support and advice, but we are thrilled with the outcome,

Off to court now, as we had a prellim at 10.am, so had better turn up and deliver the letter telling them of our success! - Better keep the courts happy, don't want to upset them at this stage! still have two other cases to settle yet! and have yet to look at all my cc charges!!! - Think we will still be needing the court and this formum for a while yet!! :razz:

 

 

Are off to town to pay off our debts, you have no idea how good that will feel, then we may be able to squeeze a little holiday out of the remainder!!!:p :p :p YES!!!!

 

Sue (Darling1)xxxxxxxxxxxxxxxxxx

If I have been of any help to you please be kind enough to click on my scales! Thank you

 

:D Halifax Bank...December 2006 ..... WON! 1 week after N1 filed.

:eek: Lloyds TSB....... April 2007 Lloyds TSB.....WON, 1 day before prelim. court date, still went before judge.

:p Nationwide.........April 2007 Nationwide.......WON, 3 weeks after N1 filed.

:rolleyes: Nat West....June 2007 (on behalf of friend) Settled after LBA and before filing.

:smile:HSBC - full settlement ...on behalf of my son...

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Went to court today at 5 to 10 to hand in the letter saying we had settled and the Barrister for LTSB was there!!:o

 

Told her that we had settled and had the money in our account already! she didn't know that. She also told us that the amount that we had settled on was below what we were claiming by about 2 grand :confused: She said we were claiming over 13000 - no we wern't! And that when we did our calculations we had added some totals twice and some items they had no record of, I pointed out that we had never claimed that amount and that the amount paid in to the account was actually £335 more than we had requested - but with the AQ fee and a bit extra for interest we were happy! (I then thought Damn what did we miss!!!:o )

(OH and the barrister had to go and see the judge and say it was settled - gave the judge the letter....)

 

She also told me that she had come down from Leicester to defend LTSB (what a waste of money IMHO) and that she has done 7 bank charge cases in 4 weeks -

 

When I said why do the banks bother when they have no intention of letting it go to court, she pointed out that she has just been to court and successfully defended a bank against a BAG-ER, because the bank defended the interest, The CI !! She told me that had I gone for it they would have definately defended in court,

I am glad I didn't go for that (MTM!!) - the extra costs in the fast track would have been a nightmare!! - I was also told that a lot of people are making mistakes in their calculations aswell, and adding things twice! They are defending those aswell.

 

I have one more funny postscript to this that I would LOVE to tell you - but I cant let you know on the forum! So PM me if you would like to know!!! Darling1 :D

 

 

if I have been of any help to you - please be kind enough to click on my scales! Thanks

  • Haha 2

If I have been of any help to you please be kind enough to click on my scales! Thank you

 

:D Halifax Bank...December 2006 ..... WON! 1 week after N1 filed.

:eek: Lloyds TSB....... April 2007 Lloyds TSB.....WON, 1 day before prelim. court date, still went before judge.

:p Nationwide.........April 2007 Nationwide.......WON, 3 weeks after N1 filed.

:rolleyes: Nat West....June 2007 (on behalf of friend) Settled after LBA and before filing.

:smile:HSBC - full settlement ...on behalf of my son...

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Darling

 

Great news about you getting your money back!!! As i said earlier I am in the same boat claiming around the same amount just over £10000. Gary H directed me to your case.

 

I have sent the first letter, had the reply, sent the 2nd letter giving them 14 days or court, its been nearly 20 days and no reply. Ive tried to phone but always engaged so need to start court action. This is where i am lost i need all the help i can please.

 

Oh by the way didnt understand that last bit in your last message about Lloydstsb going to court for interest??? Can you explain please

 

Thanks Darling, and once again well done!!! :D :D :D

Martinengo[sIGPIC][/sIGPIC]

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Hi Martinego,

The LTSB barrister told me that they will defend the contractual interest part of a claim, - that is if you have opted to claim CI as well as your charges - and not the 8% statuary interest that everyone is entitled to at court.

Hope that helps! Darling1

if I have helped in any way please be kind enough to click on my scales!

  • Haha 2

If I have been of any help to you please be kind enough to click on my scales! Thank you

 

:D Halifax Bank...December 2006 ..... WON! 1 week after N1 filed.

:eek: Lloyds TSB....... April 2007 Lloyds TSB.....WON, 1 day before prelim. court date, still went before judge.

:p Nationwide.........April 2007 Nationwide.......WON, 3 weeks after N1 filed.

:rolleyes: Nat West....June 2007 (on behalf of friend) Settled after LBA and before filing.

:smile:HSBC - full settlement ...on behalf of my son...

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So in your opinion, it is worth triple-checking your calculations to make sure all the charges you are claiming for are spot on?

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Yes I think that that is definately very important - its looks like if they can catch you out they will have a go!

If I have been of any help to you please be kind enough to click on my scales! Thank you

 

:D Halifax Bank...December 2006 ..... WON! 1 week after N1 filed.

:eek: Lloyds TSB....... April 2007 Lloyds TSB.....WON, 1 day before prelim. court date, still went before judge.

:p Nationwide.........April 2007 Nationwide.......WON, 3 weeks after N1 filed.

:rolleyes: Nat West....June 2007 (on behalf of friend) Settled after LBA and before filing.

:smile:HSBC - full settlement ...on behalf of my son...

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