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    • its not a good thing or a bad thing its ongoing. mines gone the same route. these new notifications are equally meaningless.
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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)
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Laffar v's Natwest


laffar
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Hi Laffar

I am reading with interest how you are getting on. I have just recieved the letter saying the charges stay - they did offer me £630 compensation even though I have claimed just under £5000.0. I need to let them know I am not going to accept the offer but do you just send a standard letter or a special letter? I feel stuck to this computer at the moment and as you stated it is pretty frightening stuff. I would appreciate your help. Thanks

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Great news!

:p MY POSTS ARE MY OPINION ONLY...IF IN DOUBT TAKE PROPER ADVICE...I'M JUST CLAIMING TOO !

 

NatWest SETTLED IN FULL 25/08/06

Capital One settled in full 12/10/06

LTSB prelim letter sent 25/08/06

LTSB standard prelim response received 02/09/06

LBA sent 15/09/06

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Hi Laffar

I am reading with interest how you are getting on. I have just recieved the letter saying the charges stay - they did offer me £630 compensation even though I have claimed just under £5000.0. I need to let them know I am not going to accept the offer but do you just send a standard letter or a special letter? I feel stuck to this computer at the moment and as you stated it is pretty frightening stuff. I would appreciate your help. Thanks

 

 

Have you passed the stage of filing your claim on-line? Or is this before the Letter Before Action?

 

If its after the moneyclaim online stage i wrote the following (but reading back it may be a little aggressive)

 

Dear Sir or Madam:

Claim No: ********

Your Client: National Westminster Plc

I Acknowledge receipt of your letter dated: Whenever

I believe that my claim will not fail in court and will only accept a settlement for the full amount of the claim including interest.

Therefore I am declining your offer of £600.

 

 

I don't think there's a specific template letter to send in response to this, however, the standard reply is to say thanks and you'll accept it as a partial refund but will continue with the claim for the full amount.

 

If their offer was in response to your Prelim letter i would add this to the Letter Before Action ... you don't want to be delaying more than you have to by sending seperate letters. They won't give you the £600 seperately anyway.

NatWest:

Sent LBA on 12 May.

Submitted MoneyClaim on 30 May.

Acknowledged 7 Jun, 3 Jul deadline for response

Defence filed 4 Jul

Received their copy of AQ 21 July, awaiting court date

*********** SETTLED IN FULL - 17 August *************

Egg Card:

Requested Payment Protection Refund on 20 May,

Sent Data Protection Act request, egg acknowledged,

8 Jul deadline for response.

26 Jul: Sent Prelim Letter

01 Sep: Sent LBA

Citibank:

Not Started

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Hi Laffar - Thank you so much for your reply. I have sent a basic breakdown of charges with dates and reasons for charge with the letter stating unjust charges etc. They replied well within the 14 days to say the charges stay. I have done nothing since and that was 2 days ago. I thought now I needed to send the charges with the 8% interest added onto the spreadsheet from the web and another letter? What is the LBA everyone mentions - I cannot find it anywhere. When do I send the online claim? Sorry, I must sound like a right DIV. I think I will send a similar letter as you wrote to say not acceptable although I dont think I am as ard as you. ha ha.

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There is a template somewhere, but, like you, i can't find the template library either ... it's been a while since i've had to dip in there!

 

Anyway, i've found the perfect response for you in the Barclays forum, just fill in the stars.

 

On the subject of interest. The interest you claim at this point is that incurred on any overdraft thats made up of these charges, this is NOT the 8%. The overdraft interest can be calculated by using the spreadsheet vampiress has so kindly made.

 

The 8% is only added at the moneyclaim stage.

 

Hope this is clear

 

 

Dear Sir/Madam

 

Letter Before Action

 

I now understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations.

 

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

 

I calculate that you have taken £**** plus £*** which you have charged me in overdraft interest for the sum which you have taken. Total £*** to date.

 

With reference to the above, and to your letter dated ****. I wish to thank you for your offer of £**** in respect of bank charges levied over the last *** years on my account. I will be happy to accept this offer as an interim payment (not Full and Final Payment), but wish to inform you that I require the outstanding balance of £**** to be paid within 14 working days.

 

I require repayment in full of this money. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.

 

Yours faithfully,

NatWest:

Sent LBA on 12 May.

Submitted MoneyClaim on 30 May.

Acknowledged 7 Jun, 3 Jul deadline for response

Defence filed 4 Jul

Received their copy of AQ 21 July, awaiting court date

*********** SETTLED IN FULL - 17 August *************

Egg Card:

Requested Payment Protection Refund on 20 May,

Sent Data Protection Act request, egg acknowledged,

8 Jul deadline for response.

26 Jul: Sent Prelim Letter

01 Sep: Sent LBA

Citibank:

Not Started

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Ooooo yes, i'm psychic, got a cheque for the full amount when i got back from my weekend away!! it's a big relief i can tell you, just hope it doesn't burn a hole in my pocket.

 

thanks for everyones support and advice.

 

Congratulations!!!!!!

I am just soooo pleased that you got your cheque as well!!!

Im sorry its taken a little while, I havent been on for a few days, and this is just the best news ever.

its great isnt it?

Lynne

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Thanks Lynne, it's fantastic news isn't it. Now i'm on to Egg, but that case is a little more tricky.

 

Thanks for your help and support

 

Ross

NatWest:

Sent LBA on 12 May.

Submitted MoneyClaim on 30 May.

Acknowledged 7 Jun, 3 Jul deadline for response

Defence filed 4 Jul

Received their copy of AQ 21 July, awaiting court date

*********** SETTLED IN FULL - 17 August *************

Egg Card:

Requested Payment Protection Refund on 20 May,

Sent Data Protection Act request, egg acknowledged,

8 Jul deadline for response.

26 Jul: Sent Prelim Letter

01 Sep: Sent LBA

Citibank:

Not Started

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Thanks Lynne, it's fantastic news isn't it. Now i'm on to Egg, but that case is a little more tricky.

 

Thanks for your help and support

 

Ross

 

Its so adddictive isnt it... Im on Barclaycards case... Ive had a well we will give you the difference between our charges and the OFTs recomendation... onward we go with that one.

 

best of luck with egg

 

Lynne

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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

NatWest:

Sent LBA on 12 May.

Submitted MoneyClaim on 30 May.

Acknowledged 7 Jun, 3 Jul deadline for response

Defence filed 4 Jul

Received their copy of AQ 21 July, awaiting court date

*********** SETTLED IN FULL - 17 August *************

Egg Card:

Requested Payment Protection Refund on 20 May,

Sent Data Protection Act request, egg acknowledged,

8 Jul deadline for response.

26 Jul: Sent Prelim Letter

01 Sep: Sent LBA

Citibank:

Not Started

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