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    • 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
    • stopping payments until a DN arrives does not equal automatic sale to a DCA...if you resume payments after the DN.  
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    • If you are buying a used car – you need to read this survival guide.
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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.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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
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Hi

i did a newbie post here acouple of months ago but havent found the courage to gothrought with things but now things are at adesperate stae its now s**t or bust . . i am going to get a grip of things now and i hope you will support me. i am going to try and open a new bank account this week and when that is done i am going to send the first letter to barclays telling them of my intentions. they have charged me £365 in charges from 5/12/2006 to 5/1/2007 just one month and this has been happening for i dont know how long. yes i have gone over the agreed overdraft but sometimes the bank charges have come to mor than the direct debits that they have refused to pay !!

also i am about £25,000 in debt and have decided to go for an iva i havent contacted anyone yet but if anyone knows of someone thye would reccomended to me then lets hear it from you.

i had a cousin who was only 2 years younger than me who went to bed just the week before xmas and just died in her sleep and that was a big wake up call for me. i need to be in control and end these sleepless nights and mood swings caused by stress due to DEBT

i will over the next few weeks need loads of support i am not too good on the technical side so i really need a dummies guide. i have tried to get throught the questions and answers but you lose me when you talk about interst rates and database and spreadsheets.

hope you will be with me

love linda x x

ps simple thing i know but how do i look for replies to my post without trawling through all the posts - see what i mean about needing your help !!!

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Hi

i did a newbie post here a couple of months ago but havent found the courage to go through with things but now things are at a desperate stae its now s**t or bust . . i am going to get a grip of things now and i hope you will support me. i am going to try and open a new bank account this week and when that is done i am going to send the first letter to barclays telling them of my intentions. they have charged me £365 in charges from 5/12/2006 to 5/1/2007 just one month and this has been happening for i dont know how long. yes i have gone over the agreed overdraft but sometimes the bank charges have come to more than the direct debits that they have refused to pay !!

also i am about £25,000 in debt and have decided to go for an iva i havent contacted anyone yet but if anyone knows of someone they would reccomended to me then lets hear it from you.

i had a cousin who was only 2 years older than me who went to bed just the week before xmas and just died in her sleep and that was a big wake up call for me. i need to be in control and end these sleepless nights and mood swings caused by stress due to DEBT

i will over the next few weeks need loads of support i am not too good on the technical side so i really need a dummies guide. i have tried to get throught the questions and answers but you lose me when you talk about interest rates and database and spreadsheets.

hope you will be with me

love linda x x

ps simple thing i know but how do i look for replies to my post without trawling through all the posts - see what i mean about needing your help !!!

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Hi Linda... right, i know nothing about IVA's but i may be able to help a little here..

 

From now on, make it a priority that YOU WILL start the process on here and YOU WILL get your money back. If you had started a couple of months ago it would all be over by now. So no more hanging about ok.

 

Once you have started you will feel more in control, more confident and less stressed. I have posted some links here for you to have a look at, but don't worry ok..

 

Jos

 

Good luck. See you at the other end……

 

FAQ’s

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

Letter Templates

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

 

Interest Spreadsheet

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

 

Court N1 form

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

 

Court Bundle

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html

 

Bank Contact Details

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31052-contact-details-banks.html

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Guest Battleaxe

Linda an IVA is not to be taken lightly, there is also a charge for this, so again more money, when with a bit of planning you might be able to resolve the debt problem yourself and repair your credit file earlier. The IVA practitioners charge several thousand pounds for this.

 

Before I stumbled on this site I was thinking about the same thing and after talking to CCCC I decided to forego the Debt Management option and do things myself. The biggest assest of this exercise was to do a budget planner. We are coping with a life threatening illness and reduced income, as well as identitiy theft, so to me things were at the lowest ebb, amazing how life has changed in three months and my bank account is in the black for the first time in five years.

 

I bet the majority of debt is made up of charges, so the first thing to do is get cracking on SAR's from all your creditors and include a letter telling them that the account is in dispute. this will give you some time to organise yourself. Make sure in the SAR request you ask for a copy of your credit agreement, this is to ennable to check that your credit agreements are properly executed. By doing this you have at least 40 days breathing space.

 

Get cracking on the bank first and get that in motion, then prioritse the other debts.

 

I created folders on my computer to track my posts and also with every letter I write, I print off a copy and put it in a lever arch file, indexed by creditor, their letters to me go in this file also and I make sure I reply to every letter they write to me. it is all in writing, replies are sent recorded delivery and every request which needs a payment is done by crossed postal order - never talk to them on the phone.

 

Since I started this action I have found several thousand of pounds have been able to written off and at no cost other than the £10.00 for each SAr, the £1.00 for CCA requests and of course the £1.00 for each recorded delivery post.

 

I have thought I was savvy regarding finance, but find out I am not as smart as thought I was, Accountancy 101 did not prepare me for this, the biggest lesson so far.

 

Be guided by the more experienced, do not deviate from your plan and tackle no more than you can handle.

 

If you get the wobbles just holler, PM or whatever and one of us will hold your hand. The MODS and site helpers are fantastic and so giving of their time.

 

Good luck

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Hello Linda

 

You have come to the right place. Sorry to hear about your loss. It does make you look at things in a different way when someone close to you passes on unexpectedly. My cousin passed away on Dec 5th in Ireland where he was taken ill. He had a tumour and passed away 3 days after the tests were carried out.

 

You will find tackiling the banks for your charges very frustrating at times. The letter writing and the knock backs do make people feel like not bothering with the hassle. But you must carry on. You will get loads of help, and make a friends too.

 

The first thing you need to do is get all of your data / statements for the last 6 years from the banks and credit card companies you have accounts with. You send an S.A.R (Subject Access Request) to them. The cost is £10 for all of the information they hold on you. Maybe an idea to call them all first and request the paperwork. You may get it all for free. When you receive your statements, go through them all, and add up the charges for Direct Debit returns, overlimit charges, unpaid cheque fees etc.

The companies involved have 40 days to comply with your request. It probably won't take that long if you call them.

 

You need to post your thread under the banks name so that others can help you straight away.

 

The other thing is you need to do is an income and expenditure form. Put down all of your living expenses. This will enable you to see how much money you have left each month. There is a formula to then work out how much you are able to pay back your creditors. This is :

 

Individual Debt X Disposable Income = Monthly Offer

Total Debt

 

You may be able to negotiate an interest freeze on your accounts and lower repayments to assist you get out of debt. An Iva will certainly help you, as debts can be written off and negotiated for you. This is your decision, i am just giving a possible solution by another route. There is a link here for you to do some reading.

 

http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/

 

Hope this helps

 

Ukaviator

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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thnks so much for your replies. i am going to try and sort out another bank account tomorrow so that i can get started with barclays. what do i say if they ask why i want to open a bank account with say for instance nat west ? i have been with barclays for about 25years. they must have had their moneys worth out of me !!

love linda x

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Guest Battleaxe

You don't even have to set foot inside a bank. I opened my Natwest Step account on line. I also opened an account with Lloyds, have a few pounds in it, but found it was not as convienient as the Natwest Step account. I don't miss having a cheque guarantee card or having a cheque book. I can pay my bill s over the phone using the solo/maestro card and DD's can be set up on the account (shudder). I have not an occassion since opening this account to query anything, and to have several hundred pounds in the bank at this time of the month is amazing. I manually pay all my bills on the monthly pay day, so I know the bills are paid and the rest of the money is MINE, not the bank's and this is the difference. Once I sort all the charges on the old current account then I will negotiate with my old bank repayment of that rotten overdraft.

 

CCCS will want to take over all your bills, they wont negotiate just Barclays, so this might not be the solution for you. Once you have removed your money from Barclays, they will have to talk to you and will have to listen. if they take you to Court to get their money and you have a budget sheet completed the Judge will tell them what you can repay, so don't let this be worry for you any longer. They wont want to appear as being unreasonable in Court. Once you come to an agreement with them, you will have to stick to it. This is just my opinion. I weighed up my options after talking to CCCS and this was not what we really wanted. We need a credit card and CCCS arrangements wont allow this. The option they offered was 10 more years in debt and I knew with a bit of hard work I can be debt free in three years.

 

PM me. There are enough of us who will help you with the bank problem.

 

You have got through today and tomorrow is another new day for you.

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