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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.
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    • 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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Kolo vs Lloyds (Part Deux)


kologna
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I sent off my SAR over 40 days ago, and Lloyds have not responded!

 

I am about to send off the DPA Non-compliance response, and was wondering whether anyone had been successful in reclaiming the 5k requested?.

 

It seems like Lloyds are dragging their feet, when it should not take them this long to respond to my request. If they sent me a letter, they would not give me 40 days to respond!

 

I called the Telephone Contact Centre for an update, but they were hopeless...saying that it was not possible to transfer me to the departement that would action the reqeust, as they do not take extrernal calls...

 

Sounds like alot of aahhzzz playing to me.

 

Kolo

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Hi Kologna, I was in the same boat on Friday.

I called TSB in Bristol, (0117 943 3133) spoke to a bloke called Andy Fairhurst. My statements were printed and sent to me by the next day.

However I only fot statements from Dec 2000 to Sep 2001. Then from then on its just a list of account charges and no account balances.

Might be worth asking for them to send you proper statements through til todays date. Coz I've got to write back and ask them now.

Hope this is helpful.

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Hey Kolo

 

I sent a SAR for my second claim (first one was only for 4 years I got off their website). Forgot all about it, till out of the blue I received my statements (outside the 40 day deadline).

 

It appears on the second claim they cough up straight away. They know your serious this time!

for FAQs & Step By Step

click here

for Templates Library

click here

for Court Bundle

click here

________________

 

WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

________________

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Thanks or the replies - i will call the Bristol office tomorrow, and see if i can start the ball rolling for this second claim.

 

When is the OFT likely to make their decision regarding these unlawful charges?

 

Kolo

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Its thought that OFT will make an announcement April / May time.

 

What ever happens, it won't affect your claim, so don't rush into it.

 

Take a peek here for reassurance.

 

http://www.consumeractiongroup.co.uk/forum/general/70359-about-oft-impending-report.html?highlight=impending+oft

for FAQs & Step By Step

click here

for Templates Library

click here

for Court Bundle

click here

________________

 

WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

________________

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Hi Kolo,

 

I'm just posting further to info in the Excel Spready Thread, to avoid a hi-jack.

 

The interest rate you quoted there was the rate they pay you for a credit balance. Assuming the account is a Lloyds/TSB Classic account, then the rate you charge them for contractual interest is here:

 

Lloyds TSB - Current account rates

 

Either 18.7% authorised O/D rate, or 29.8% unauthorised O/D rate.

 

HTH

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  • 2 months later...

Hi folks

 

It's been a while since i sent my Prelim Letter...and no reply from LLoyds at all.

 

Should i bother with the LBA (which is now long overdue)...and go straight to court via HMCO?

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  • 1 month later...

:mad: :mad:...........STILL NO REPLY FROM LLOYDS.........:mad: :mad:

Even better yet - is that there customer service line is never manned, and when you try to leave a message for a callback, the bloody mailbox is full:mad:

 

They usually reply within 28days, but i have not had a squeak out of them since Jan07 when i first started this claim!!!

 

I have resent in the LBA - now what????

 

The contractual interest is building daily, which is a good thing, as the longer they take the more i can claim:-|

 

At the same time, should i now head for court online via HMCO or does somebody have a contact number that i can speak to somebody about the matter, as i am sure they have received both letters - i have stamped confirmation from the branch that the letters were received by them.

 

HELP PLEASE!

 

 

KOLO

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  • 4 months later...

Hi

 

Now that the OFT has come back with some decisions on bank charges...where does this leave my claim?

 

I have so far sent a SAR, 2 x LBA's, and was all set to file with HMCO before the whole test case thing placed us all on PAUSE!!!!!!!!!!

 

What are the next steps - shall i now resume my claim in the courts??

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There is nothing to stop you filing your claim with the court, but you have to accept that your claim may well be stayed awating the outcome of the test case.

 

The advantage for you is that, when the time comes, your claim should be dealt with first, because it is already in the system

 

Els

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