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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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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To DD or not, that is the question...


lizzie47
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I must say, I will never understand why people in precarious financial situations ever pay by d/d, which give THEM all the power of how much comes out and when...

This is not addressed solely to you, btw!

 

 

 

HI Bookworm

Have read loads on this site and almost always found your replys informative,well thought out and 99.9% fair and accurate.

I was shocked by your last post and feel have to reply to your "off" remark asking why do people in a bad way with money go the D/D route,must say this irked me,Its because they have to.

Im disabled,any money i have is benefits,I dont have credit cards any longer,Its not as easy as pick up the phone and pay by card (taken off me)!!Nor do i have a cheque book(taken off me).Are you sugesting i pay all by cash,or porstal orders? There is no longer a gas or electric office in my town,nor does my mortgage provider have a branch any where near etc.etc,I as millions of others do not have a viable choice.And have been forced into this situation.Have you any alternative to the banks,i hate the buggers always have.Would love an old "under the mattress"account but this will never happen.Awaiting your reply

 

regards lizzie

Dont get mad :-x get even :)

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It's not an "off" remark at all. It's a remark based on personal experience first, and compounded by the examples I read here and on MSE every day.

 

Viable alternatives to d/d: standing orders. You give instructions to pay, you dictate the date, you dictate the amount. Most companies will accept standing orders. They might not like it, because they'd much rather they had the control, but I can assure you from personal experience that what they want most of all is payment.

 

You're disabled. That means you get DLA, right? So, paid 4 weekly. A large amount of companies pay themselves monthly. Sooner or later, your payments are going to be out of sync with the d/d. Yes, you get 13 payments, but how many people do you know in dire straits who can put the money aside nearly 1 month ahead for a future d/d when there's hardly enough money to go round? Not many, I'd bet.

 

Do I have an alternative to banks? No. Maybe surprisingly considering what I do here, I have no desire to see those venerable institutions disappear. Banks have a use in society. I would very much like to see them heavily reformed and brought under a firm thumb, and forced to confirm to the law, and made to deal more sympathically with the more vulnerable elements of our society.

 

I know that we only started coming out of the spiral of debt once we took control. That meant Internet banking, and Standing Orders. For the first time in our lives, we say what goes in and out of our bank accounts.

 

I stand by what I say: Direct Debits are the means for THEM to dip into an account pretty much as they please. I refuse to let them have that control.

 

If you have a bank account, you should have the means to access your money. Are you saying that the only way you can get money is by going in a branch and withdrawing over the counter? If that is the case, I suggest you make a stinking complaint, as you should be allowed at least a cashcard.

 

I'm happy to carry on discussing this, but we'll have to start a new thread if that's the case, as we're currently hijacking Peepo's.

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Hiya

Thanks for speedy reply and expanding on your comment,Much appreciated,am lot clearer as to what you intended.feared i was hi jacking...(sorry peepo) would love to start thread,could you move this ? or should i start my own ?.Am green computer user,let alone the net,By your reply not so ripe on banks either :confused:am very slowly learning more about both,an both hard work but worth it ,I hope:oops:

 

 

 

Thanks

Dont get mad :-x get even :)

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Actually, you got me thinking (doesn't happen often, make the most of it!) about your situation.

 

Do you have no card at all? Or only a cashcard? Can you do anything with it apart from withdrawing cash?

 

It's just it seems to me there is a glaring injustice in not being allowed to use your money for.. well, Internet shopping, for instance. Disabled persons are prime candidates for benefiting from home shopping deliveries, but if they can't shop online, a whole range of help will be closed to them, even if they do have the money...

 

There's something bugging me there...

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Hiya

 

Title is ace very funny :D

Thanks for moving me ..didn,t feel a thing..glad i got you thinking :)

Do indeed have just cash card..an yes its annoying.. :evil: only recently got dla(after a fight),got it early this year ,had accident at work jan 2003. been nightmare always worked an not the first clue where to start with benefits.severe money worries took me to the c.a.b.they great.i was minus £70 per wk that was after taking into account essentials, nothing else,had been that way 3yr,Am registering for net banking,Swotting up bout S.O "v" D/D an any thing else i can learn as nothing short of lottery win is going to change my finances an i need to get more sorted.pared down in every area i can (honest bet even martin lewis would struggle to "make me rich")so thats only area i can hope to make some change.Got damage/negligence claim hitting courts in september but who knows how that will go so have to prepare for worst.Any tips advice re banking or otherwise more than welcome:)

 

Regards Lizzie

Dont get mad :-x get even :)

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It's just it seems to me there is a glaring injustice in not being allowed to use your money for.. well, Internet shopping, for instance. Disabled persons are prime candidates for benefiting from home shopping deliveries, but if they can't shop online, a whole range of help will be closed to them, even if they do have the money...

 

There's something bugging me there...

 

Possibly the disability rights act? No company has the right to refuse service to someone purely because of their disability.

 

Therefore, I believe if someone is internet shopping because they can't get to the shops easily they have the right to the same service as an able-bodied person who could go to the shop directly.

 

I'm not sure exactly how this works though as the issue would be choosing not to have a debit/credit card rather than being disabled. It is however your right to choose not to have a card...

 

I agree with Bookworm on Direct Debits - I realised a while ago how much of a blatant [problem] they are. The banks and companies you have DDs with both charge you if it fails, and they can take their money whenever they want.

 

I had Natwest Mortgages try to take 4 payments in January. The last three failed of course due to insufficient funds. And although they admitted these were made in error they refused to refund the charges as I had 'behaved badly and missed payments in the past'.

 

I do like the idea of using standing orders - do most companies accept/have to accept these?

If you found this post useful please click on the scales above.

 

Egg - £400 - Prelim sent. On hold.

Mint - On the list Est £800

GE Capital - On the list (3 accounts!) Est £4000

 

MBNA - £545 Prelim sent 13/11/2006

LBA sent 1/12/2006

£350 partial payment received 18/12/2006.

Full settlement received 20/1/07

 

NatWest - Est £4000 not incl interest

Data Protection Act Sent 10/1/07

Statements received 24/1/07

Prelim sent 3/2/07

Full Settlement received 22/2/07

 

The contents of this post are the sole opinions of The Cornflake and not necessarily the opinions of any other members of this group. They do not constitute sound legal or financial advice and if in doubt you are advised to seek advice from a qualified professional

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Hi cornflake

RE- so v dd (dont know how to quote posts yet but old dog slowly learning new tricks :oops: )

Huummmnn yes we live an learn eh

sure as eggs is eggs am going to try change dd to so (cheers bookwrm) :)

Dont get mad :-x get even :)

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Lizzie,

 

To quote a post just click the Quote button at the bottom of the specific post you want to quote. this will start a reply with the post in there between

tags. You can edit out parts you don't need to quote. Anything within the tags will appear as a quote when you post your reply.

If you found this post useful please click on the scales above.

 

Egg - £400 - Prelim sent. On hold.

Mint - On the list Est £800

GE Capital - On the list (3 accounts!) Est £4000

 

MBNA - £545 Prelim sent 13/11/2006

LBA sent 1/12/2006

£350 partial payment received 18/12/2006.

Full settlement received 20/1/07

 

NatWest - Est £4000 not incl interest

Data Protection Act Sent 10/1/07

Statements received 24/1/07

Prelim sent 3/2/07

Full Settlement received 22/2/07

 

The contents of this post are the sole opinions of The Cornflake and not necessarily the opinions of any other members of this group. They do not constitute sound legal or financial advice and if in doubt you are advised to seek advice from a qualified professional

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Lizzie,

 

To quote a post just click the Quote button at the bottom of the specific post you want to quote. .

 

 

Brilliant thanks(still got my computer "L" plates

Dont get mad :-x get even :)

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:) I have found this thread greatly interesting. We do internet banking so is it a case of phoning the relevant companies and getting their details and then we personally delete the DD?

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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:) I have found this thread greatly interesting. We do internet banking so is it a case of phoning the relevant companies and getting their details and then we personally delete the DD?

 

 

Not sure am in first stages of registering...(First stage in lot of things of late :-o) If you find out first let me know an ill do the same..If any one else knows how we change..Please do tell..An any other tips to help :)

Dont get mad :-x get even :)

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I don't think the companies can legally stop you paying by standing order but this will firstly only work when the payment is the same each month, and secondly they may try to get away with charging extra. For example, Sky are currently charging me £4 extra a month because I'm not paying by DD. I do intend to contest this charge as I believe the extra cost to them of sending out a bill is less than this.

 

However, paying by standing order isn't really any different from DD so I don't think they would get away with it as easily.

 

I'll be interested to see how you get on. Also whether you get charged when a standing order fails - no mention of charges for this in my bank contract...

If you found this post useful please click on the scales above.

 

Egg - £400 - Prelim sent. On hold.

Mint - On the list Est £800

GE Capital - On the list (3 accounts!) Est £4000

 

MBNA - £545 Prelim sent 13/11/2006

LBA sent 1/12/2006

£350 partial payment received 18/12/2006.

Full settlement received 20/1/07

 

NatWest - Est £4000 not incl interest

Data Protection Act Sent 10/1/07

Statements received 24/1/07

Prelim sent 3/2/07

Full Settlement received 22/2/07

 

The contents of this post are the sole opinions of The Cornflake and not necessarily the opinions of any other members of this group. They do not constitute sound legal or financial advice and if in doubt you are advised to seek advice from a qualified professional

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Thanks cornflake

 

Suspected it would have to be same amount each month at least thats the mortgage,gas,lec,t.v licence,tinternet(by heck would sell kids first before that goes now)that i can start with, which dont leave a lot phone,(on it to change to reg outgoing)water rates,ill ring them, think thats it then,As you say though banks still have it stiched up for charges,But not for long i hear you all say :D

Out of interest have you been on the penaltycharge site ? "Bankhell" going same route as you with sky

 

Thaks for taking time out to reply

ill keep posting :)

Dont get mad :-x get even :)

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Hi,

 

Wouldn't a manual payment via online banking be a better option (if this option is available with your account)? That way you have full control of the date and amount. With a SO it may still come out when the money isn't available.

 

The downside of removing DD is that many organisations give a discount for paying that way which you will lose - but it may be better if you get to retake control over your payments.

 

Cheers.

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

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Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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Hi,

 

Wouldn't a manual payment via online banking be a better option (if this option is available with your account)? That way you have full control of the date and amount. With a SO it may still come out when the money isn't available

 

Thanks jeep n wife

Yes bet it would be better to pay as bill is due like "olden days :grin:".Forgive me for being thick but will that mean paper statements or would they bill you via"tinternet" Yes i was thinking you would still be charged for a missed or late payment by SO an bet it not much less if any cheaper than DD,But then i suppose you would not get hammered from other side for it not being there to take ! think im whats termed a silver surfer :lol: and have a lot to learn bout technology,an banking.thanks all for enlightenment

Dont get mad :-x get even :)

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Thanks jeep n wife

Yes bet it would be better to pay as bill is due like "olden days :grin:".Forgive me for being thick but will that mean paper statements or would they bill you via"tinternet" Yes i was thinking you would still be charged for a missed or late payment by SO an bet it not much less if any cheaper than DD,But then i suppose you would not get hammered from other side for it not being there to take ! think im whats termed a silver surfer :lol: and have a lot to learn bout technology,an banking.thanks all for enlightenment

 

In most cases I get a paper bill anyway - phone, cable, CCs, etc. The others like gas & lecky, mortgage, loans, etc. are on fixed payments (mainly). Once a week you log in to your account and pre-book the payments that are coming due, making sure that you have enough to cover them and wherever possible they are paid on time. You even have the option of making a part payment to show good faith if there's not enough and you are waiting for something to clear, etc.

 

If a SO is unpaid you get charged by the bank just the same as a bounced DD or cheque - but at least the payee doesn't get to retry and force extra charges on you.

 

Just my thoughts on the matter - I don't know how well it would work in practise - but it's definitely what I'm thinking of doing when I get my refunds - I need to get back control of my money and stop funding the bank's boardroom! :evil:

  • Confused 1

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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- but it's definitely what I'm thinking of doing when I get my refunds - I need to get back control of my money and stop funding the bank's boardroom! :evil:

 

Here Here ;)

 

 

learning more every day thanks for your time and imput it realy helps:)

Dont get mad :-x get even :)

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  • 12 years later...

This topic was closed on 10 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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