Jump to content


  • Tweets

  • Posts

    • its not a good thing or a bad thing its ongoing. mines gone the same route. these new notifications are equally meaningless.
    • Shein has been linked to unethical business practices, including forced labour allegations.View the full article
    • 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)
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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

doz vrs Lloyds ** WON **


Doz
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6162 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • Replies 97
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi evoix. You should recieve a notice of acknowledgement from Northampton County courts soon which will have lloyds solicitors address on it. Send a copy of your charges to them when you get this but send 2 copies ASAP to MCOL, Northampton Court.

Doz

 

I can see from your thread that u received letters from Northampton quite quickely after filing claim. I filed the claim on 21st June and still have not received a thing from the courts, should I contact them

Link to post
Share on other sites

Checking MCOL this morning Lloyds had'nt acknowledged my claim but after checking again in the evening they have now acknowledged it.

This has got to be a first even for Lloyds as it was only deemed served on 1st July so its took them 3 DAYS!!:eek:

 

PHONE THE GUINNESS BOOK OF RECORDS.:D

 

Joking aside they have still have 25 days to file a defence which no doubt they will do.

Link to post
Share on other sites

Now lloyds have acknowledged would it hurt to send a schedule of charges off to their solicitors tommorrow as i already have the S C & M address?

Link to post
Share on other sites

In case you are not aware and as you filed using MCOL send 2 copies of your schedule of charges, clearly marked with your claim no. and a brief covering letter asking for them to be filed as below:

 

The Court Manager,

Money Claim On Line

Northampton County Court

21-27 St. Katharine's Street

Northampton

NN1 2LH

 

Dear Sir

 

(Your Name) –v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

 

Please find enclosed a schedule of penalty charges taken from me by the defendant, along with interest claimed at the annual rate of 8% pursuant to section 69 of the County Court Act. The interest in addition to the amount in charges equates to the total amount of my claim, namely £(AMOUNT).

 

I respectfully request that the enclosed schedule should be attached to the particulars of my claim.

Yours faithfully

 

Wait until you receive the Notice of Acknowledgement (not the Notice of Issue) from the court and then send a copy to the bank’s solicitors, since they are the ones who will now be dealing with your claim

Your faithfully

 

Dear Sir

 

(Your Name) -v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

 

 

Please find enclosed a copy of my schedule of charges relating to the above claim.

Yours faithfully

If I have been helpful please click on my star and add a comment.

Link to post
Share on other sites

Checking MCOL this morning Lloyds had'nt acknowledged my claim but after checking again in the evening they have now acknowledged it.

This has got to be a first even for Lloyds as it was only deemed served on 1st July so its took them 3 DAYS!!:eek:

 

PHONE THE GUINNESS BOOK OF RECORDS.:D

 

Joking aside they have still have 25 days to file a defence which no doubt they will do.

 

Just 3days thats fast, getting close to victory.:rolleyes:

Link to post
Share on other sites

Thanks GuidoT, Yes i am aware that they had to be sent and were the next day after filing my claim but i have been checking Royal Mails track and trace regular as it was sent Recorded Delivery and its looking like it has been lost.

I also rang MCOL 2 days ago and they have no records of the schedules being recieved so i have posted another 2 copies to them Reocorded AGAIN in the hope they get there soon and will not delay my claim.

 

So sending a copy to SCM would be a wise choice given the circumstances which surely gives them no excuse to delay claiming my claim is to vague as they have no schedule of charges.?

 

Any thoughts please?

Link to post
Share on other sites

Thanks Denwestie, That was my way of thinking too.

I'm just about to ring MCOL again to see if they recieved my previous 2 copies and if not it's onto Royal Snail to chew their ear off!!

Link to post
Share on other sites

OK. Just spoke to a nice lady at MCOL and she has confirmed that my 2 copies of charges have been recieved..Phew! So royal mail are of the hook!She asked me if i had sent a copy to lloyds yet to which i replied "not yet", so she advised me to send a copy today. So im off to see the nice lady at the post office again.

Link to post
Share on other sites

hi doz and den.

 

Looks like we are all on similar timetables. Thanks for your reply doz, got my acknowledgement this afternoon. SMC acknowledged 30.6.7 and of course are defending in full. I tried to fax the schedule to them tonight with cover letter as per advice in posts (thanks for these). Looks like fax is turned off at night. Any how will send rec del on Friday morning to SMC and court. I had the added problem that I didn't put the account number on the original court docs, so glad to be able to provide docs with these on. Wasn't too sure on date of issue - so used the date I filed the claim and also inserted the acknowledged date. Is the date of service always deemed as the 5th day? Good luck ;)

Link to post
Share on other sites

right folks now i am totally at a loss. this morning i got 2 letters from scm. 1st letting me know that they received the notice from northampton bla bla bla - properly incorporated - bla bla breach of contract.

2nd letter dated same date - strictly without prejudice

bank intends to defend etc etc same as reported - but 2nd page full and final settlement full amount - sign and send back - contact bank manager to review account- signing and sending today. :) so me thinks this is victory:D :D :D

Link to post
Share on other sites

hi ya, ive just tried it and it went straight to fax 01273 745341

maybe try again:D

christina - i am a fool just reported fault on phone line - they went through the fault analysis and asked me to check out all the cables - guess what the line into the fax/phone was unplugged. see my other post tho lol

:D :D

Link to post
Share on other sites

Firstly i would like to congratulate DenWestie on his win....WELL DONE!!;)

 

I am a little confused at a letter i recived from northampton Court on Friday 6th July.

The letter is an acknowlegement of service, but the part i am confused about is the bit at the bottom of the page below the SCM address which says:

 

 

Tick the appropriate box

 

1. I intend to defend all of this claim. (There is a cross in this box)

 

2. i intend to defend part of this claim.

 

3. I intend to contest jurisdiction.

 

 

I have checked MCOL this morning and no defence has been filed but on the letter there is a X in the box. Does this mean they have filed a defence or not...??:confused:

Link to post
Share on other sites

I have recieved a letter from the SC&M this morning which was dated 6th July which reads:

 

Dear sir/Madam

 

In the Northampton County Court

xxxxxx v Lloyds TSB Bank plc

Claim number xxxxxxxx

We act for Lloyds TSB Bank plc (the bank)

 

We have been passed a copy or the proceedings that you have issued against our client in Northampton county Court. The bank will be defending these proceedings on the following grounds:

 

1. The fees that you seek are properly incorporated into your contract with the Bank;and

 

2. By making payments (whether by cheque,bedit card or any other means) from your account where you have insufficient funds to cover them, you are making a request to the Bank for an increased overdraft, which the Bank may meet or decline. If it meets your request, you must pay the necassery charges. the issue of penalyies only arises as a matter of law, where there has been a breach of contract here.

 

Looking ahead, a situation which gives rise to a dispute is not one the Bank wishes to continue. In view of this, you are requested, please, to make contact within 14 days with you local Lloyds TSB branch manager, on 0845 3 000 000, to review your account. A review may be useful to consider whether your current banking arrangements are most appropriate for your needs.

 

we await confirmation from the Bank that this action has been taken.

 

Yours faithfully

 

SC&M

 

So they will be defending my claim of which i fully expected them to do but what does this letter actualy mean?

There is only 2 points that they are defending so is this a good thing..?

 

Advice much appreciated thanks.

Link to post
Share on other sites

I think they're expecting you to see your manager really and depending on the outcome, they will do a full defence.

 

I dont see the point of a meeting though, unless he can give you all your charges back. No bank that makes these charges is 'most appropriate for your needs' is it?

 

Personally I'd give the meeting a miss and carry on like you never received the letter. Its a total waste of time IMO.

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

Link to post
Share on other sites

In my view meeting waste of time, manager will not refund your charges.

 

They only understand one thing, i.e. litigation.

If I have been helpful please click on my star and add a comment.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...