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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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Nailz v Halifax


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Hi All,

 

Came across the site and spent most of my day reading through the posts about how people have challenged Halifax and won, I must say I was very apprehensive at first but this site has given me the confidence to push forwards and challenge them!

 

I sent off for my statements on the 3rd Jan, they arrived yesterday and I didnt even get charged for them!

 

I have calculated I have paid £1554.00 in the last 6 years on charges, today I send my first letter requesting my money back!

 

Wish me luck, and thanks to you all for your support, if you hadnt of posted your experiences, I may never have got the bottle to do this!

 

Nailz

Hard Working, Hard Drinking, Hard Done By!

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Ok Nailz, am subscribed to your thread now, so will keep an eye out....sorry, site is really slow today so posts taking time to appear!

Crash

 

 

 

 

DAY 1: 12/09 - S A R to British Gas

DAY 45: 27/10 - Data Non-Compliance sent off

DAY 67: 18/11 - N1 Deemed served

DAY 114: 03/01 - Judgment served £60 cheque rec'd; Prelim sent for overpayment refund of £393.06

24 Days: E2Save Settled in full £70

59 Days: Barclaycard claim Settled in full £134.39

162 Days: Halifax Settled in full £1543.80

179 Days: Barclays1 Settled in full £2450.45 + £447.02 in costs

254 Days: Barclays 2 Settled in full £1450.91

 

Advice & opinions offered are personal, and are offered informally, without prejudice & without liability. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I recieved my "thanks for your letter but the charges are justified letter"

 

They have forwarded it onto Customer Relations (should of just sent it there and not to my branch) (but then again my branch didnt charge me for my statements!) I didnt leave my tel number on the letter, will that hinder my claim, or will they use a number I have left on the account?

 

T-minus 11 days until I threaten them with court action!

Hard Working, Hard Drinking, Hard Done By!

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Hi Nailz,

 

Don't worry about the telephone number, just add it into your next correspondence...

  • Haha 1

Crash

 

 

 

 

DAY 1: 12/09 - S A R to British Gas

DAY 45: 27/10 - Data Non-Compliance sent off

DAY 67: 18/11 - N1 Deemed served

DAY 114: 03/01 - Judgment served £60 cheque rec'd; Prelim sent for overpayment refund of £393.06

24 Days: E2Save Settled in full £70

59 Days: Barclaycard claim Settled in full £134.39

162 Days: Halifax Settled in full £1543.80

179 Days: Barclays1 Settled in full £2450.45 + £447.02 in costs

254 Days: Barclays 2 Settled in full £1450.91

 

Advice & opinions offered are personal, and are offered informally, without prejudice & without liability. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Will do, just read that someone won a claim without even threatening court action... I so hope that happens with me!

 

So should I call them maybe the start of next week and check they have my letter, or just send my next - I am taking you to court letter?

Hard Working, Hard Drinking, Hard Done By!

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Nailz, no need to call them to check if they've received the letter, get a proof of posting certificate which will suffice if you ever need to argue about it being sent/received in court. As you say, you may get lucky and get paid before any of that which would be fab.

 

Just send them the next letter about 16 days from the date of the prelim, as this will allow a couple of days postage grace too :)

Crash

 

 

 

 

DAY 1: 12/09 - S A R to British Gas

DAY 45: 27/10 - Data Non-Compliance sent off

DAY 67: 18/11 - N1 Deemed served

DAY 114: 03/01 - Judgment served £60 cheque rec'd; Prelim sent for overpayment refund of £393.06

24 Days: E2Save Settled in full £70

59 Days: Barclaycard claim Settled in full £134.39

162 Days: Halifax Settled in full £1543.80

179 Days: Barclays1 Settled in full £2450.45 + £447.02 in costs

254 Days: Barclays 2 Settled in full £1450.91

 

Advice & opinions offered are personal, and are offered informally, without prejudice & without liability. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hi everyone it's my first time to post on the site but have been reading all the stuff on here for a number of months.

 

I issued my claim on the 5th Jan 07 and it was acknowledged on 9th Jan, but i've had no paperwork yet about a defence being lodged, so I'm keeping my fingers crossed that they won't defend and I can just enter judgement against them.

 

my brother took them on recently and after saying they'd defend the case they paid out in full.

 

So here's hoping they do the same for me!!

 

i'm a bit lost as to what date i can enter judgement if I fail to receive anything about a defence can anyone help?

 

Cheers Chichi

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  • 2 weeks later...
I posted my "I am taking you to court letter Monday", do you think it is worth calling them??

 

Should I start putting my court bundle together?

 

Nailz, it's up to you if you want to ring them but they don't usually start negotiating until you've been issued a court date.

 

In the meantime, have a look at my Halifax thread...it's been moved to the 'Successes' bit!!!! :razz:

Crash

 

 

 

 

DAY 1: 12/09 - S A R to British Gas

DAY 45: 27/10 - Data Non-Compliance sent off

DAY 67: 18/11 - N1 Deemed served

DAY 114: 03/01 - Judgment served £60 cheque rec'd; Prelim sent for overpayment refund of £393.06

24 Days: E2Save Settled in full £70

59 Days: Barclaycard claim Settled in full £134.39

162 Days: Halifax Settled in full £1543.80

179 Days: Barclays1 Settled in full £2450.45 + £447.02 in costs

254 Days: Barclays 2 Settled in full £1450.91

 

Advice & opinions offered are personal, and are offered informally, without prejudice & without liability. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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No Nailz, your court date will be issued after you and halifax file your allocation questionnaires (which are sent to you from court) so no need to do the bundle yet, but so start putting stuff together, and researching/reading up on the bundle info, available in the library. And there's no need to panic about not knowing the law stuff...I only said about stuff I knew/had read up on. Anything I couldn't handle I just turned around and said I'll see you in court to argue it out. That soon had him squirming!

Crash

 

 

 

 

DAY 1: 12/09 - S A R to British Gas

DAY 45: 27/10 - Data Non-Compliance sent off

DAY 67: 18/11 - N1 Deemed served

DAY 114: 03/01 - Judgment served £60 cheque rec'd; Prelim sent for overpayment refund of £393.06

24 Days: E2Save Settled in full £70

59 Days: Barclaycard claim Settled in full £134.39

162 Days: Halifax Settled in full £1543.80

179 Days: Barclays1 Settled in full £2450.45 + £447.02 in costs

254 Days: Barclays 2 Settled in full £1450.91

 

Advice & opinions offered are personal, and are offered informally, without prejudice & without liability. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Welcome to the site.

Unfortunately you cannot run your progress in the welcome site this is for newbies.

I have moved your posts into the Halifax bank group with fellow claimers.

Feel free to post any further requests for help,and log your progress here.

Help is at hand from me or other members of the Cag support team should you need it.;)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Thanks Martin!

 

The letter I sent Monday was my LBA ( I didnt realise)

 

So I have given them 7 days to respond before I issue Court papers.

 

I didnt include interest though, have I messed up?

 

When I dont hear anything, I write to the court, is this form N1?

 

If so, do I send 1 to court, keep 1 and send 1 to halifax?

 

I live in swindon so would I send it to Swindon crown court?

 

Is it too late to add interest to that form?

Hard Working, Hard Drinking, Hard Done By!

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As crash said, there is more room on the N1 form for the particulars of claim. Yes the N1 form can be used to start your action. The are templates in the library and particulars of the claim that need to go on it. Also include a copy of your schedule of charges with interest calaculated. Take this (3 copies needed actually, i had to pay a couple of quid at the court to get the other 2 copies!) to the court and they will advise you how much it will cost to start the claim, again the cost depends on the amount of claim, it can be up to £120. At the Aq stage there will be a further £100 to pay as your claim is over £1500

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yes nailz,

on the N1 form you will claim charges as per your schedule of charges , plus £xxx in interest as calculated on the spreadsheet, and also interest pursuant to S.69 County Courts Act 1984 from date of issue to date of judgement/settlement at £xx.xx per day {(enter daily rate here - (CHARGES+OD interest)x 0.00022 = pence per day) }OR at such rate and for such periods as the court deems just.

take a look at this template from bankfodder in the templates library

 

4. Particulars of claim- N1- hard copy version

 

I must learn how to paste in links!!!!

 

kevin

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Excellent, I was advised to fill out the N1 but I might have to do it online, I cannot get to the court at all next week, and I need to do it Monday.

 

At least if I complete it Sunday night it will be issued Monday. I will read up on the MCOL stuff tonight to familiarise myself with it

 

Bullocks! I demanded a response in 7 days of my LBA not 14... I am not doing very well here am I!

Hard Working, Hard Drinking, Hard Done By!

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Nailz, don't panic, even though you've stated 7 days, give them 14-16 days. Then file your court claim on an N1 form, which you can post to your local court (I posted all mine, all handled very promptly). And when you're ready to file N1, pm me and we can chat on MSN about how to do it. In the meantime, have a read of the information in the Bank Templates Library on the N1 form. It tells you the wording etc.

 

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

 

Getting exciting now, isn't it?!

Crash

 

 

 

 

DAY 1: 12/09 - S A R to British Gas

DAY 45: 27/10 - Data Non-Compliance sent off

DAY 67: 18/11 - N1 Deemed served

DAY 114: 03/01 - Judgment served £60 cheque rec'd; Prelim sent for overpayment refund of £393.06

24 Days: E2Save Settled in full £70

59 Days: Barclaycard claim Settled in full £134.39

162 Days: Halifax Settled in full £1543.80

179 Days: Barclays1 Settled in full £2450.45 + £447.02 in costs

254 Days: Barclays 2 Settled in full £1450.91

 

Advice & opinions offered are personal, and are offered informally, without prejudice & without liability. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I must learn how to paste in links!!!!

 

kevin

 

Kevin, go to the relevant website page, copy the full web page address at the top, and then paste it direct into the post :)

Crash

 

 

 

 

DAY 1: 12/09 - S A R to British Gas

DAY 45: 27/10 - Data Non-Compliance sent off

DAY 67: 18/11 - N1 Deemed served

DAY 114: 03/01 - Judgment served £60 cheque rec'd; Prelim sent for overpayment refund of £393.06

24 Days: E2Save Settled in full £70

59 Days: Barclaycard claim Settled in full £134.39

162 Days: Halifax Settled in full £1543.80

179 Days: Barclays1 Settled in full £2450.45 + £447.02 in costs

254 Days: Barclays 2 Settled in full £1450.91

 

Advice & opinions offered are personal, and are offered informally, without prejudice & without liability. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 2 weeks later...

go for it - good luck!!:grin:

Halifax - paid out without getting to court - £250 WON - no intention of going, stated too costly!!

Halifax no 2 account - paid out without a fight - (by mistake, £1650 - should have been £1200 - had to pay some back)

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