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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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Mbna Nightmare!!!!


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Sorry if some of you have read this on other threads (still jet-lagged, the older I get the longer it takes me to get over it!) - MBNA have replied to my S85 letter - usual tripe about the credit card mailer serving the purpose of being executed agreement. However they have not replied to my CCA request - 12 days up last week, so just counting down...., but apparently they are going to default me, and there's silly little me thinking they can't do that whilst account is "in dispute" and what will happen if I never get a copy of my agreement? I expect they will carry on with the default and then I will start being chased by DCA's and I will disappear into a little puddle on the ground still bravely whispering....account in dispute....no agreement supplied....Section 85......:rolleyes: ....

 

Bird, I would write to them immediately, email it, fax it and post it first thing monday, stating quite clearly that they cannot issue a default as the account is in dispute and they are in breach of the CCA request. Tell them you will be reporting them to everybody if they do this as it is illegal and defamatory.

 

Barstewards.:Cry:

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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Bird, I would write to them immediately, email it, fax it and post it first thing monday, stating quite clearly that they cannot issue a default as the account is in dispute and they are in breach of the CCA request. Tell them you will be reporting them to everybody if they do this as it is illegal and defamatory.

 

Barstewards.:Cry:

 

 

 

http://www.consumeractiongroup.co.uk/forum/mbna/74790-vital-fsa-mass-complaint.html

 

 

CAN ALL OF YOU WHO ARE SUBSCRIBED ON HERE, DO THIS PLEASE???!!! IT WON'T TAKE A MINUTE AND IS REALLY WORTHWHILE!!

 

THANK YOU!!!!!:D

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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http://www.consumeractiongroup.co.uk/forum/mbna/74790-vital-fsa-mass-complaint.html

 

 

CAN ALL OF YOU WHO ARE SUBSCRIBED ON HERE, DO THIS PLEASE???!!! IT WON'T TAKE A MINUTE AND IS REALLY WORTHWHILE!!

 

THANK YOU!!!!!:D

 

Blimey, I've gone platinum!!! Do I get a present????:D

 

Could everybody reading this link the mass complaint link to their thread, the more we get, the better it is!!

 

Right I have GOT to go, am in deep trouble, if I don't come back, you will know that I have been strangulated by husband and child for obsession with CAG and the comp!!!!:eek:

 

If that is the case, I will haunt you all for not putting the links up! Got it??!!!:D:D:D

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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Funny that is the card I used to have with MBNA!!

 

Not sure if I have anything to send off :( I dont like their envelopes?!

 

Put the link on my thread!! Good luck with CAG annomonous!! :)

 

Excellent, thanks Nick, much appreciated!

 

You surely must have something to complain about???? Even the envelopes will do?? Anything, I am sure they screwed you around with your SAR? If so, get onto it hun!!

 

:D

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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Excellent, thanks Nick, much appreciated!

 

You surely must have something to complain about???? Even the envelopes will do?? Anything, I am sure they screwed you around with your SAR? If so, get onto it hun!!

 

:D

 

Did not do a Sar, I was one of the lucky ones, I had all my documentation and had logged the majority of every correspondance. Then spent days going through it all working out exactly how many days they owed interest for, how many fines, interest at every stage etc etc Therefore meaning I had them by the short and curlys from the offset!! :) Will keep everything from now on!

 

Now going to convince my sister she has to do it!!

 

Unless you can think of any reason why I can complain? I think the 28 days to respond to my letters was too long and just rude! Plus envelopes are still an issues! :)

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Did not do a Sar, I was one of the lucky ones, I had all my documentation and had logged the majority of every correspondance. Then spent days going through it all working out exactly how many days they owed interest for, how many fines, interest at every stage etc etc Therefore meaning I had them by the short and curlys from the offset!! :) Will keep everything from now on!

 

Now going to convince my sister she has to do it!!

 

Unless you can think of any reason why I can complain? I think the 28 days to respond to my letters was too long and just rude! Plus envelopes are still an issues! :)

 

Just had a thought, what about the fact they increased my interest three times whilst having problems? Kept fining whilst I was paying the max I could? I phoned and pleaded regularily that I only had ten pounds a week to live on/get petrol/emergencys etc. Was advised to go bankrupt but was determined to never go that far?

 

Downside is I have accepted the money and agreed that case is closed. How do I stand legally if I continue?

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Guest Battleaxe
Just had a thought, what about the fact they increased my interest three times whilst having problems? Kept fining whilst I was paying the max I could? I phoned and pleaded regularily that I only had ten pounds a week to live on/get petrol/emergencys etc. Was advised to go bankrupt but was determined to never go that far?

 

Downside is I have accepted the money and agreed that case is closed. How do I stand legally if I continue?

 

 

Sounds like Universal Default, something they do regularly in the States, increase the interest according to your credit rating. I know they have been doing this in the UK, but getting proof is another thing.

 

Dis you sign anything to say the matter is closed?

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Just had a thought, what about the fact they increased my interest three times whilst having problems? Kept fining whilst I was paying the max I could? I phoned and pleaded regularily that I only had ten pounds a week to live on/get petrol/emergencys etc. Was advised to go bankrupt but was determined to never go that far?

 

Downside is I have accepted the money and agreed that case is closed. How do I stand legally if I continue?

 

Hi Nick, I don't think there is any harm in complaining about any of the above given how they have treated you, you must get over to our thread and join in.....the more the merrier! They are shocking ****ards and deserve everything we can throw at them!:D

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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Sounds like Universal Default, something they do regularly in the States, increase the interest according to your credit rating. I know they have been doing this in the UK, but getting proof is another thing.

 

Dis you sign anything to say the matter is closed?

 

When I get home I will double check, but i thought it said that if I accepted cheque then matter closed. I have already put cheques in so assumed that was matter closed?

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Hi Nick, I don't think there is any harm in complaining about any of the above given how they have treated you, you must get over to our thread and join in.....the more the merrier! They are shocking ****ards and deserve everything we can throw at them!:D

 

Hmmm...it is calling me...... :)

 

My fiance reckons that I now complain about everything...in fact too much!! :)

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And why shouldn't you complain.

The charges levvied in the way the banks are doing - is unlawful.

If you conned an 80year old spinster out of a £1000 for cleaning her windows, thats unlawful (and immoral!)- would you not expect the law to come after you?

 

How was their letter worded to you on offering the cheque in settlement?

When was it received by you - and did it have a 'if we hear no more from you, we'll assume the matter is closed' statement in it?

 

If not - there's hope you can still pursue them!

 

Perseus

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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Hi people, we have movement.............

 

We have this morning received this letter from Eversheds :

 

Dear Mr Corn

 

Our Client : Arrow Global LLC

 

We refer to your recent correspondence, the content of which has been duly noted (this will be our CCA default notice, sent to Arrow but copied in to Eversheds and MBNA).

 

We can confirm that your account remains on hold, pending your further correspondence with MBNA regarding this matter.

 

We will write to you again once this matter has been concluded.

 

Yours faithfully

 

Eversheds

 

 

Any comments or thoughts? Does this mean that they will step up their campaign of harassment again.........I am surprised this is the first I've heard from them in weeks!!!

 

How peculiar!!:confused:

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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Guest Battleaxe

Corn,

 

I reckon they have had fear put into them as you are now fighting back and they realise MBNA have not done them a service. This action fo going back to the source MBNA is really making the DCA and their solicitors sit up. thewy are now realising they cannot terorrise us anymore.

I have three letters like this from different DCA's and they have been true to their word. it looks like the DCA's might have a case against the banks for selling unenforceable debts on to them. Oh could we hope that they will start fighting amongst themselvbes and the whole lot implode as shower of sh?t on each other.

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Do I note distention in the ranks - oooh that would be funny to have DCA's taking MBNA to court over a mis-sold debt, and MBNA being taken to court over an un-enforceable debt by Corn...

 

hehehe

 

I'd pay money to be a fly on the wall, I bet MBNA are sweating, thinking - Oh my god - what do we do know??

 

Laugh, I nearly got an MBNA credit card!

 

Perseus the mercyless :cool:

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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Things are afoot at MBNA for me as well. Don't want to give away my identity at the mo. BA, are you in later on tonight? I'm going for a council of war via email. These guys are arguing that an output from a web based system is part of an agreement, and that by stamping this totally different page, they have executed an agreement BEFORE they have my permission to process an application in the first place.

 

OMG, who do they think they are? Do they believe a little squiggle put onto a page that predates the printed agreement before I even sign it? And I didn't even sign this paper, I hadn't even seen this paper, this paper PREDATES my sig by WEEKS...........

 

UNBELIEVABLE. I'm so close on getting a s85 default to court I don't want to mess it up by a sloppy error now.

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Guest Battleaxe

I am home M55. I am prepared to help in way I can, so long as it is lawful. I have my ninja suit ready in case we have to scale the walls at Chester Towers. I had better get my numchuckers back off the local kids as well as my throwing stars.

 

Wee willie winky, in his night gown

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I need to find the regs which state both sigs need to be on the same page. I need to find someone up on all of the regs.......

 

I can smell victory...

 

I love the smell of napalm in the morning, it smells like victory. One day this war is going to end son, one day.

 

They took the bar, the whole f****** bar [glug glug glug] thanks, I needed that [smash]

 

Credit cards work on a completely different kind of lock.

 

This cars gotta lot of pickup

 

Hi, this is car fifty-five, we're in a truck

 

This don't look like no expressway to me!

 

Did you get my cheese wiz boy?

 

We got a full tank of gas, half a packet of cigarettes, it's dark and we're wearing sunglasses....... hit it!

 

They can't do that to our pledges, only we can do that to our pledges

 

I think he can hear you Ray

 

He doesn't even have his license Lisa

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Guest Battleaxe

Good Morning Vietnam...I love the smell of Napalm in the morning

 

Full metal jacket

 

Thelma and Louise

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Corn

 

Churchill said "Now this is not the end. It is not even the beginning of the end. but it is, perhaps, the end of the beginning."

 

Looks like you have finally got MBNA/Arrow Global/Evershed's attention and that things may be coming to an end in your favour.

 

We will fight them on the beaches (sticks up two fingers)

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