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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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    • 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.

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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
        • Like

Fendy v NatWest - 16K - **FINALLY WON**


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Lol Lol. Have very severe hangover. God I was *rseholed last night. Didnt make much sense at the end. Soz peeps..........

 

Parky, Fanny street, I know exactly where that is, on edge of town centre, lol, and yes, weve been laughing at it for years....................... Lol. Were such children..........Im v. lucky, Bronte country is very pretty country.. The Grouse Inn is my local, all been completely renovated last year and is now beautiful inside................ completely changed and does amazing food now. Its about 1 mile from where I live.......... pretty green hills everywhere....... and soooooooooo lovely and rural. Tis a nice place,............

 

Soz y'all for going off on one last night. Was silly drunken lady bint. I wouldnt care, but I hadnt eaten all day. Decided to shelve the sunday dinner, cos just didnt feel like it. And decided to have 3 glasses of white vino instead on empty stomach. Never a good idea really....... Felt awful and was talking mush by 10.00pm..... Soz............. Much better now. Had cup of tea, with paracetamol for the head, and ready to face the world again today. Kids off school so will be kept busy with them on school holidays this week. Back to work tomorrow............. And still waiting for lovely postie this morning. Not been yet. No word yet from the Cobblers............ defence or otherwise. Lol. NVM, can watch posties bum walk down drive,,,,,,,,,,,,, you have to be thankful for the small things in life. Lol. xxxxx

 

Seahorse, what are you on.......... FANNYS BATTERS ON THE FISH. Lol. xxxxxx Ur mad mate. Mad............ And I thought I was bad. U take the biscuit my dear friend. Fend xxx

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OK postie been, nice bummed one,,,,,,,,,,, oooooooh those cheeks........................ pert as a peach............ Control...........

 

Right, nothing from Cobblers, still no defence, but standard codswallop letter from Shabby about their charges being clear, blah blah blah blah blah. So posted in Abbey forum on that one, but claim already started on Abbey on too for 5.7K last Tuesday 26th march. Well when both these claims come to fruition I should be laughing all the way to the bank. Total for both together is £22 K. Nice little earner huh. Lol. xxx Fendy xxxx

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Just 8 days left now for Cobblers to get their full defence in............... Im counting every one......... still nothing, but will just have to wait it out. Tis killing me................ Lol. The suspense, although I know they are very well known to submit at very last minute, so nothings in the bag yet. Lol. Fendy xxx

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Fendy i think you are the chosen one. You will win with ease. So always remember the future will be better tomorrow. :)

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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:D Fingers crossed they've forgotten to file Fends xxxxx

(I'll wish upon a star for you tonight).

Lol Parky you sound like a guru:)

NatWest : £857.00 won! March/07

Natwest : Witholding my statements & adding defaults etc , S.A.R sent Jan/08

Natwest for my partner : £2,101.00 won! Feb/07

Studio Cards : Refund for admin charges £108 Won! Dec/07

Complaint made to FOS for P.P.I Jan/08

Nationwide: S.A.R - (Subject Access Request) sent for statements Nov/07 ( waiting to see what happens in the OFT test case )

Littlewoods : defaulted on CCA request Feb/07

DCA's that crawled out from the woodwork and have crawled back : 28 so far!!

My favourite link on CAG:

Click here: Can't Find What You're Looking For? Here's A Complete A-z Index - The Consumer Forums

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:p They still haven't paid me mine yet but I've just written a 3 page essay to them because they wrote me a letter t'other day saying they will freeze all action on my account for a month until my charges claim is settled n the lil buggers have charged me £70 today and referred my account!So I've reffered them to section 13.6 of the banking code which they are quite clearly in breach of:) Ooooo power is knowledge " says the small wise one"

NatWest : £857.00 won! March/07

Natwest : Witholding my statements & adding defaults etc , S.A.R sent Jan/08

Natwest for my partner : £2,101.00 won! Feb/07

Studio Cards : Refund for admin charges £108 Won! Dec/07

Complaint made to FOS for P.P.I Jan/08

Nationwide: S.A.R - (Subject Access Request) sent for statements Nov/07 ( waiting to see what happens in the OFT test case )

Littlewoods : defaulted on CCA request Feb/07

DCA's that crawled out from the woodwork and have crawled back : 28 so far!!

My favourite link on CAG:

Click here: Can't Find What You're Looking For? Here's A Complete A-z Index - The Consumer Forums

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Caz, Its my new image Guru Parky laughing-smiley-014.gif

Think like a woman of action, and act like a woman of thought. That sums you up i think.

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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Oooo I like that one! very thoughtful indeedy:)

NatWest : £857.00 won! March/07

Natwest : Witholding my statements & adding defaults etc , S.A.R sent Jan/08

Natwest for my partner : £2,101.00 won! Feb/07

Studio Cards : Refund for admin charges £108 Won! Dec/07

Complaint made to FOS for P.P.I Jan/08

Nationwide: S.A.R - (Subject Access Request) sent for statements Nov/07 ( waiting to see what happens in the OFT test case )

Littlewoods : defaulted on CCA request Feb/07

DCA's that crawled out from the woodwork and have crawled back : 28 so far!!

My favourite link on CAG:

Click here: Can't Find What You're Looking For? Here's A Complete A-z Index - The Consumer Forums

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AAAAAAAAAAAAAAayyy ta for the words of wisdom Caz and Parky. Always there with a kind thought or word. It does make a difference, honest. And soz guys about my nutty ramblings last night. I was utterly drunk as a skunk......................... lol. Utterly, and I only had 3 or 4 glasses of white. Felt like poop this morning. Good job I wasnt working today I can tell you........... Feeling it today though. My own fault entirely though so no sympathy. Lol. ........... Caz, three page essay, OMG. You let them know you know where you stand Caz. Sounds like you have already....... but dont take no sh*te from the sods............. fight fire with fire........... have them running for cover........... and keep at em.

 

Parky, CHOSEN ONE, OMG, dont say things like that to me. You worry me................... I dont wanna be the test case binty person. I dont............... I just want my money............. and to go away and be left alone to live quietly............................in blissful anonymity....Lol. Fendy xxxx

 

I cant complain really. As for future being brighter tomorrow, today is yesterdays tomorrow and Im happy already. Lol. Got a lot to be happy for Parky Guru.

 

This little windfall will just be a nice little bonus to my happiness, but Im lucky, IM HAPPY ALREADY............ Lol.

 

Scarey guru man. Lol. Fendy xxxxxxxxxx

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Now one for Fendy. It may be that your sole purpose in life is simply to serve as a warning to others. action-smiley-033.gif

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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Fendy, Fendy, I've just gone platinum before my very eyes. sport-smiley-001.gif

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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Gee thanx Parky. That doesnt sound too good..........................

 

Like Im some nutter that is gonna get my come uppance for doing everything wrong............. H*ll........

 

Cripes youve made me feel like sh*te now.............. And the hangover was just beginning to subside too.

 

Back to feeling poopy again. WHAT DO YOU MEAN, AND STOP BEING ALL GURU-ISH AND CRYPTIC. I dont understand ya......... Fendy xx

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Platinum, good for you mate. But what about me being a weird example to others........... what you mean. I dont like the sound of that.......................... Oooooh parky...... Im worried now. Fendy xx

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Fendy lol I didn't hear you ramble lastnight and if I did I enjoyed it! so don't ever apologise for being you:D

Congrats to platinum Parky you fast fingered guru of wisdom:)

NatWest : £857.00 won! March/07

Natwest : Witholding my statements & adding defaults etc , S.A.R sent Jan/08

Natwest for my partner : £2,101.00 won! Feb/07

Studio Cards : Refund for admin charges £108 Won! Dec/07

Complaint made to FOS for P.P.I Jan/08

Nationwide: S.A.R - (Subject Access Request) sent for statements Nov/07 ( waiting to see what happens in the OFT test case )

Littlewoods : defaulted on CCA request Feb/07

DCA's that crawled out from the woodwork and have crawled back : 28 so far!!

My favourite link on CAG:

Click here: Can't Find What You're Looking For? Here's A Complete A-z Index - The Consumer Forums

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The best cure for a hangover is to just stay pished:D

NatWest : £857.00 won! March/07

Natwest : Witholding my statements & adding defaults etc , S.A.R sent Jan/08

Natwest for my partner : £2,101.00 won! Feb/07

Studio Cards : Refund for admin charges £108 Won! Dec/07

Complaint made to FOS for P.P.I Jan/08

Nationwide: S.A.R - (Subject Access Request) sent for statements Nov/07 ( waiting to see what happens in the OFT test case )

Littlewoods : defaulted on CCA request Feb/07

DCA's that crawled out from the woodwork and have crawled back : 28 so far!!

My favourite link on CAG:

Click here: Can't Find What You're Looking For? Here's A Complete A-z Index - The Consumer Forums

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Share on other sites

Hmmmmmmm I'm not sure Fends guru speak goes in one ear n out the other with me....Lol I'm sure whatever it was he meant... was meant in a nice way though:D

NatWest : £857.00 won! March/07

Natwest : Witholding my statements & adding defaults etc , S.A.R sent Jan/08

Natwest for my partner : £2,101.00 won! Feb/07

Studio Cards : Refund for admin charges £108 Won! Dec/07

Complaint made to FOS for P.P.I Jan/08

Nationwide: S.A.R - (Subject Access Request) sent for statements Nov/07 ( waiting to see what happens in the OFT test case )

Littlewoods : defaulted on CCA request Feb/07

DCA's that crawled out from the woodwork and have crawled back : 28 so far!!

My favourite link on CAG:

Click here: Can't Find What You're Looking For? Here's A Complete A-z Index - The Consumer Forums

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Chill bill fendy, You are a warning to other people who do not show your grit and determination to see this to the end. You are the flag flyer for the Nat West forum.

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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psssssssst can we have that rack of lamb for tea tonight mean as we never got it lastnight?:D Oooooo my bellys all rumbly I better go put Gordon Ramsey and Jamie Oliver to shame n make the best ham toastie in town \o/

NatWest : £857.00 won! March/07

Natwest : Witholding my statements & adding defaults etc , S.A.R sent Jan/08

Natwest for my partner : £2,101.00 won! Feb/07

Studio Cards : Refund for admin charges £108 Won! Dec/07

Complaint made to FOS for P.P.I Jan/08

Nationwide: S.A.R - (Subject Access Request) sent for statements Nov/07 ( waiting to see what happens in the OFT test case )

Littlewoods : defaulted on CCA request Feb/07

DCA's that crawled out from the woodwork and have crawled back : 28 so far!!

My favourite link on CAG:

Click here: Can't Find What You're Looking For? Here's A Complete A-z Index - The Consumer Forums

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Oooooh cripes. Soz Guru Parky.... I thought you meant I was numpty nuts, although I might be inclined to agree actually..............

 

and Caz. Kids just polished off the lamb from last nights sunday dinner for their tea............I still cant face it. Food, ugh,,,,,,,,, that hangover just wont shift............... Will have some cheese and biccies a bit later with nice cuppa...........

 

Thats all I can muster. Just want to sleep. Will have early night in readiness for work tomoz........ Lol. Alcohol, never again thanks.......

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Oooooh cripes. Soz Guru Parky.... I thought you meant I was numpty nuts

 

Yes Fendy............ you so totally are honey!!!! But we luv' ya' anyway girl!!!!!!!!!

 

still cant face it. Food, ugh,,,,,,,,, that hangover just wont shift...............

 

Oooooooooohhhhh Fendy................. did I teach you nothing honey!!!!!! WE DON'T DRINK ON SUNDAY NIGHTS................ !!!!!!!!!!!!!

 

Thats all I can muster. Just want to sleep. Alcohol, never again thanks.......

 

Aaaaaahhhhh............. early night honey - nearly bo-boze time for you!!!!!!!!!!!!!! xxxxxxxxxxx :D :D :D

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Um too right Hedge.......... felt like yuk yuk all day......... been so tired.............. I just cant drink like used to.............doesnt take much now to make me p*ss potticled. NVM, early night for me. Soz about the rambling drunken lady last night. Was reading some of the posts this morning, and felt like such a wally........... I couldnt even spell right......... lol. Word of warning, no posting when one is p*ssed. Lol. Fend xxxx

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