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    • Creditors Name / Brand Acct Ref POD Balance Received (£) Claim Admitted (Y/N) Cabot Financial IVA 33749505 642.90 Y Cabot Financial IVA 35707961 8,162.07 Y Direct Legal Collections Q5180215 0.00 N Direct Legal Collections Q5185144 0.00 N Ee 157920642 0.00 N HMRC VAS JN434119D 0.00 N Lantern UK IVA M6152941 284.68 N Lloyds Bank IVA 6288 2,692.00 N Lloyds Bank IVA 30963530231568 5,596.00 N Lowell Financial 300092756 1,014.00 Y Lowell Financial 294767660 228.00 Y Lowell Financial 274783943 1,538.00 N Lowell Financial 241096338 1,343.68 Y Lowell Financial 280654617 22,446.00 Y Lowell Financial 264807132 1,189.00 Y Lowell Group 263221038 246.00 Y Perch Capital E0QZ6R22 0.00 N Zopa IVA E04E25C3B7434C8361 0.00 N Total Unsecured Creditors 58,978.33 Total SOA Claim 58,692.00 Fees and Costs £ £ Fee Type Proposed Approved Nominee Fee 1,900.00 1,900.00 Supervisor Fee 1,750.00 1,260.00 Disbursements 0.00 31.00 Adjournment Fee 0.00 0.00 Dividends Approved Dividends at first MOC (p in £) 8.87 Revised Estimated Dividend  (p in £) 8.83 Total Dividends Paid to Date (£) 276.29 Dividends Paid to Date  (p in £) 0.78 Case Details Income and Expenditure Reviewed N Arrears (Y/N) N Value of Arrears (£) 0.00 Current Balance at Bank 185.72 No. of Months Arrears 0 Original Duration of IVA 60 Payment Break Agreed (Y/N) N Current Duration of IVA 60 Breach Notice Issued (Y/N) N Subject: Request for Settlement Proposal Due to Changed Circumstances   I am writing to discuss the current status of my Individual Voluntary Arrangement (IVA), now in its 36th month. Following a recent income and expenditure review with a debt charity this morning, it has become clear that my financial situation has deteriorated significantly, making the continuation of the agreed monthly repayment of £140 unfeasible.   The primary reason for my financial hardship remains the ongoing health challenges faced by my two Sons, which have necessitated frequent hospital visits and medical care since 2017.    As a result, my employment opportunities are limited, and I am self-employed with Uber Eats to accommodate their medical appointments, hospital stays, and monthly infusions.   It is crucial to highlight that pursuing Debt Relief Orders (DRO) or bankruptcy would not yield any additional funds for creditors, as I reside in rented accommodation and possess no other assets or savings.   Furthermore, I do not foresee a change or improvement in my circumstances in the foreseeable future due to the long-term nature of my children's health conditions, and the health issues I am now suffering for to the stress of this IVA.    I have faithfully maintained my IVA payments for 36 months without missing a single installment. Regrettably, my situation has become increasingly untenable, leading to depression, anxiety, and suicidal thoughts related to the financial strain of the IVA.    To avoid defaulting on payments, I have resorted to borrowing money from friends and family, resulting in a further deterioration of my health and consequently even more debt which is definitely not the solution I expected from you.   Based on my recent income and expenditure assessment, I am currently experiencing a monthly deficit of approximately £650 due to the escalating cost of living. Therefore, I respectfully request that you propose an early settlement to my creditors, based on the payments made to date, taking into consideration the exceptional circumstances surrounding my children's health and my own mental well-being. My wife too is unwell and unable to work leaving me to look after them all with zero support from the government or council.    If it is not deemed appropriate to request an early settlement, I will have no alternative but to cancel the IVA and manage my creditors directly.   Additionally, I must convey my dissatisfaction with the service provided by Creditfix, to whom I have been referred from Hanover. The level of service at Creditfix has not met acceptable standards, and I feel confused and unsupported throughout this process. Despite my worsening situation, Creditfix has shown little interest in understanding my circumstances and instead has pressured me to increase payments. Your last email requesting modification and an increase in payments clearly demonstrated to me that you have no interest or concern for my family or my welfare and are our solely to get what you as much as you can, giving zero regard to my situation.    Lastly, I want to clarify that I have exhausted all avenues of financial support, and I do not have any friends or family who can lend me further funds to cover the outstanding amount on the IVA.   I appreciate your understanding and assistance in this matter. Please advise on the next steps and provide any necessary documentation to facilitate the negotiation of a settlement with my creditors.   I have attached a copy of my latest income and expenditure form that I completed this morning that shows how struggling I am right now and can't afford to pay this any longer.    Thank you for your attention to this urgent matter. I eagerly await your response.   Yours sincerely,
    • No because telling a story in your statement chronologically it would be out of run sequence. 
    • I have just sent my IVA company the following letter in going to wait to see it credit fox accept my request to put to my creditors or request to accept payments so far as my full settlement but I suspect credit fix will try they're best to avoid that happening - I'm confident the credited will agree but getting credit fix to agree is another story.    I have today sent them the following letter and if they don't accept I'll stop the agreement and ignore and on that instance plese help me clear all my issues guys as I'm sure I'll need lots of help to get the likes of lowell and Cabot of my back.    I do know that most thus debt was taken out around 2009 and 10 and some in 2015 meaning the original debt are all. Over 6 years for sure and I hope you guys can guide me how to deal with them now  firstly below is a list of all the creditors with amounts and some are duplicate and then followed by the letter I just sent to iva company 
    • I see CEL accepted all the stuff about you being a genuine customer and offered to settle the matter for £20. What was your logic for refusing their offer of settlement? I'm not saying you were wrong, we have plenty of cases where motorists have quite rightly told the PPCs where to stuff their £20 offers.  Just interested in your reasons for making the decisions you have been making about your case.  
    • Because its not connected to this claim.....Ideally if you had received the claim you would have requested information pursuant to CPR 31.14 and a CCA request for the agreement. DSAR only reveals your personal data held which would be minimal with the this claimant. You can leave it in if you desire but it adds no weight to your statement.   .
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council sold my house!!


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I recently found out that council sold my house to my ex. I was the original tenant and am not sure whether he even was on the lease, which I still have. I left when he became violent and the council didn't want to know. I did write to the council in 2005 to ask what criterion had to be met for purchase of the house and they said that he would have to either pay me out or get a signature from me relinquishing all rights to the property. Do I have grounds to sue the council? charlie

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When did you leave? What type of tenancy agreement have you signed? Who is(was) paying rent on the property?

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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Hi, thanks for answering. It is a 'Secure Tenancy Agreement. I left early 98. I was responsible for the rent until then and the letter I received from the council in 05 does state that the non purchasing tenant has to agree to the sale whether I live there or not. Am I still able to sue? Cheers, Charlie.

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Sorry, just two more questions. When did you move in? And I think the EXACT wording of the letter from the council is important - could you post that please?

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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When you moved out of the house did you sign a Notice to Quit? If not, you are still the tenant at that property, and in which case they can't sell it. If you did then your ex should've signed a new tenancy agreement and will have used his power of rtb under that.

 

If they signed up for a new tenancy then they should've got you to quit the old one, however, doesn't always happen

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No need to sign a NTQ to end a tenancy claire...

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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I am not saying the tenancy has ended as such, but to end the tenancy there isn't a need to sign the NTQ. The council could have received an order of possession from the courts, or it could be argued that the tenancy was ended mutually. It does not appear that the former has occurred, I suspect in any court case the council would argue the latter - I am trying to get a full picture in order to see how justified such an argument would be.

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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Hi, no I signed nothing at all when I left. My ex was about to remarry a few years later and give me back the house. That went wrong and he stayed. Up until recently the kids will vouch that the council magazine was delivered to that address in my name only. I did ask the council to send me a copy of the lease but they said they would only send it to the council house address and not to my own new address.

Yes of course you can have a copy, I can either email one or if you let me have an address, I'll happily post one to you.

Charlie

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I forgot to add on that I signed the lease september 92 and i left around march 98. The original tenency agreement, which I have says that I was the only tenant. would it have been possible to have had him added on. I know he nagged incessantly about it but I just can't remember whether he actually signed anything.

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Did you hand in any keys on leaving the property? Or did you inform the council that you had left the property(I am assuming you did) in writing or by phone?

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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You could ask for a copy of your file to see what paperwork has been signed.

 

The Council are not allowed to add a second tenant to an existing secure tenancy agreement, and if they have done that they would have created a new secure joint tenancy with both of you - from experience I do know that Councils have made this mistake in the past.

 

I'm not legally trained so I don't want to comment out of turn. If in doubt about it you could contact a solicitor for a free phone consultation or one of the free solicitor service.

 

This is a grey bit, so someone more qualified than me might want to comment. As you informed the Council you had moved out they could have taken this as you implying you didn't want the tenancy. Also, by them accepting payment from your ex they could be seen to have created a tenancy with him - the difficulty here is whether they can say you abadoned your tenancy and if you claim you had an intention to return then they can't argue that, but don't know who it is down to prove that.

 

Also, when the RTB was put in by your ex he must have been a secure tenant for them to allow him to buy it. Usually files are checked for this so not sure where they got the information from, I would request a copy of your file.

 

By the way, when did he buy the property, was this before or after you told them you'd moved out?

 

Hope this helps and doesn't waffle too much.

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The problem is that by vacating the property and ceasing rent payments, the council could well argue, perhaps validly, that you had implicitly terminated your tenancy. Whilst I do not neccessarily agree with it, from a legal point of view they would probably be correct - I think it would be difficult for a court to side with you stating you are still a tenant, when you have not been resident in the property, nor paid rent, for 7 years. However - if the council have recognised you as a tenant in the letter they sent, this would be a different matter. However, this would have to be an EXPLICIT reference IMO. This is not a simple situation, and if you are considering taking it further I must advise that you consult with a specialist.

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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I have to say I agree with you Mr Shed that this is a difficult one. I

 

would still request a copy of your file and if they refuse to send it to a different address (which I can't see any reason for). Advise them you will collect it and take ID and a copy of your tenancy agreement.

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Thanks, I'll get in touch with them in the morning. As far as I'm aware they never even knew I was not there. They were still sending the letters to me and I have never had any other form of communication from them. He bought the place within the last 18 months.

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In which case you must have had a joint tenancy? Otherwise they would be chasing you for rent.

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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Depends if he ever went behind with the rent and he could've acted on your behalf to negotiate repayment agreements - which they could've failed to check he had authorisation.

 

Once you get your file you need to check if there are any reference to you leaving and any signing of new paperwork.

 

They must have based is application to buy based on some paperwork. If not, I don't understand how he's bought it unless it was fraudulently.

 

If it was a joint tenancy then you would still have had to sign to agree to him buying it - which could tie in with what you said the letter said about buying it.

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He wouldn't move out, at the time the police were unable to do anything because it was classed as a domestic and he paid the rent at times from the start of the tenancy so he would just carry on after I left. What I can't understand is that if he did join the tenancy then how comes I havent got any other paperwork than the original tenancy agreement?

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I've just requested the file by email from the woman at the council who sent the email telling me I would have to sign an agreement. I'll keep you posted on any answer! It may well have been fraudulent as he bought it after he got married. If they thought it was me then it should be interesting!

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Just a quick one,

My Ex and I took a council property, the day my wife went into labour with our first child. I hurridley went to council offices to pick up the keys signed tenancy agreement and went to join wife in hospital.

12 yaers late my wife buggered of and applied for another council house in another area (same council though). I was served with notice to quite as the house was to big for a man on his tod. I used my right to buy which was rejected as a notice to quit had been served.

I went all the way, the council (LEEDS SHITY) took me to county court to have me evicted. I fortunatley at the last minute, just before going before the judge, noticed on the tennancy agreement that I was the only signatory. Judge ordered in my favour. and also compensated me for the loss of equity in the 12 months from being denied my righ to buy and arriving at court to be evicted.

 

My home was valued at 48k I was awarded 20k in compensation, this was eight years ago. The house in now worth in excess of 220k.

 

So it pays to go all the way.

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