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    • 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
    • stopping payments until a DN arrives does not equal automatic sale to a DCA...if you resume payments after the DN.  
    • Sleep apnoea: used to require the condition  to be “completely” controlled Sometime before June 2013 DVLA changed it to "adequately" controlled. I have to disagree with MitM regarding the effect of informing DVLA and S.88 A diagnosis of sleep apnoea doesn't mean a licence wont be granted, and, indeed, here it was. If the father sought medical advice (did he?) : this is precisely where S.88 applies https://assets.publishing.service.gov.uk/media/64edcf3a13ae1500116e2f5d/inf1886-can-i-drive-while-my-application-is-with-dvla.pdf p.4 for “new medical condition” It is shakier ground if the opinion of a healthcare professional wasn’t sought. in that case it is on the driver to state they believed they met the medical standard to drive. However, the fact the licence was then later granted can be used to be persuasive that the driver’s belief they met the standard was correct. What was the other condition? And, just to confirm, at no point did DVLA say the licence was revoked / application refused? I’d be asking DVLA Drivers’ Medical Group why they believe S.88 doesn’t apply. S.88 only applies for the UK, incidentally. If your licence has expired and you meet the conditions for S.88 you can drive in the U.K., but not outside the U.K. 
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Full and final settlement offer accepted advice please


mrjon

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I made an offer to Barclaycard for a full and final settlement of £2.3k for a debt of £7.1k, the £2.3k to be paid by a family member, Barclaycard accepted the offer, and written confirmation is on its way,

from the telephone conversation it was stated the debt will show as partially settled on the credit file and they would not pursue the remaining balance.

Are these terms acceptable?

I am not worried about my credit rating,

can I be taken to court for the remaining balance?

can interest be restarted on the remaining balance or does the not pursue in effect end the matter?

If the debt is sold on, the agreement not to pursue the remaining balance will the new debt buyer be also hold to that? 

Thanks for your help.

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Don't make payment until you have received the letter of conformation and uploaded a copy here. Partially settled leaves the door open for a mire  of possibilities .... If the debt has previously defaulted, the term settled is not used and the term satisfied is used instead. I personally would want to see the debt satisfied but lets wait for their letter.

Topic moved to Barclaycard Forum.

 

Andy

 

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when did you take this card out?

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 months later...

Dear Forum

Can someone read the letter I received from Barclaycard and comment, I made an offer for full and final settlement of a Barclaycard debt and received this letter as terms of the agreement and acceptance of my offer. I have paid the money.

My credit file is still not updated to show the settlement and when I enquired on the phone, they confirmed the account was closed and I would not have to pay the outstanding balance,

I pointed out that the payment I made was for the final settlement of the outstanding balance, and that they agree to clear the rest of the debt and why were they still referring to a balance,

the person went off and spoke to a manager and said what they mean by clear the debt is to clear my liability to pay the balance, that is not how I understand clearing a debt to mean,

I did not argue further as I thought to wait to see how the settlement is described in my credit file when it is updated as sometimes the person you talk to on the phone does not know what is going on.

They are saying there is nothing to pay and the account is closed, but I worry are they up to something?

Barclaycard.pdf

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threads merged for clarity.

Looks like they've accepted F&F and you have proof of acceptance.

See what they say on your credit report, it can take a couple of reports to update depending on when Barclaycard declares it as partially settled/satisfied.

Best not to post up and go radio silent though. 

We could do with some help from you.

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48 minutes ago, mrjon said:

I have paid the money.

They state 10 days after receiving payment they will mark the account partially settled and inform the credit agencies. 

The account is now closed. 

 

 

.

We could do with some help from you.

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thanks for the response,

on the phone, they insist that an existing balance still exists and will be reported as such, my understanding is that credit files should show a partially settled account with zero balance,

Barclaycard seems to say that the outstanding balance remains, that's my problem, I feel the letter of acceptance indicated the balance is cleared.

And if they report the account with an outstanding balance then how can at the same time be settled, the 2 conditions cannot exist at the same time.

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I did advise in my post# 2 above before you made payment.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Are you thinking based on the offer letter I made a mistake in paying? the letter reads to me quite clearly that the matter is settled in full, 

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It is settled in full and now closed but as I advised in my initial post....

Quote

Partially settled leaves the door open for a mire  of possibilities .... If the debt has previously defaulted, the term settled is not used and the term satisfied is used instead. I personally would want to see the debt satisfied but lets wait for their letter.

I doubt you will hear anything further but the entry is not ideal that they will mark your credit file with although accepted and should not affect your credit rating.

We could do with some help from you.

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which is why we say F&F is always normally a total waste of time.

when did you take this card out?

what is the defaulted date on your credit file.?

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Card taken out in 2017,

default 2021 or 2020,

paying a full and final for me was about me trying to rebuild my life without having a 7k plus debt hanging over me,

I am nearing retirement and want some peace of mind,

I read the agreement letter and thought this is good enough and doubted that a third party claim would succeed if they tried to take me to court.

I just wish Barclaycard would say thank you sir matter is all settled now rather than trying to maintain that a balance exists, even though they say I do not need to pay it.

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13 minutes ago, mrjon said:

paying a full and final for me was about me trying to rebuild my life without having a 7k plus debt hanging over me,

urban myth sadly.

17 minutes ago, mrjon said:

I just wish Barclaycard would say thank you sir matter is all settled now rather than trying to maintain that a balance exists, even though they say I do not need to pay it.

it is only written off on their books and as they say, a balance still, legally, does exist.

you most probably didnt owe the whole balance anyway as unlawful penalty fees and the the interest they accrue typically inflate a debt to a much greater level.

your saving grace here is this was to the original creditor and the fact you've had a default notice sometime vack?

so regardless to whatever happens, the debt will vanish from your credit file on the DN's 6th B'day.

though that doesnt mean a debt is still not owed and that it wont be sold on.

just keep that letter from BC safe.

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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