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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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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hi,

 

I wonder if someone could advise me if the PPI is correctly formatted on this loan agreement that was taken out in 2004?

I am in dispute with them and have canceled it as I am self employed, the original amount for it was £634 + interest when I rang they wouldn't give me a rebate figure until I had canceled it and they have now informed me my account has been credited with £124.00(which seems very low) this loan is on month 34 of 60.

Any thoughts would be greatly appreciated.

 

http://i172.photobucket.com/albums/w9/Themainman_bucket/MBNALOANAGR.jpg

Capitalism is the legitimate racket

of the ruling class.

Al Capone

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Hi,

 

I wonder if someone could advise me if the PPI is correctly formatted on this loan agreement that was taken out in 2004?

I am in dispute with them and have canceled it as I am self employed, the original amount for it was £634 + interest when I rang they wouldn't give me a rebate figure until I had canceled it and they have now informed me my account has been credited with £124.00(which seems very low) this loan is on month 34 of 60.

Any thoughts would be greatly appreciated.

 

http://i172.photobucket.com/albums/w9/Themainman_bucket/MBNALOANAGR.jpg

 

 

Sorry, I can't make out the agreement the writing on the copy is too small

 

can you make it bigger:D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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HI,

By what I can make out on your agreement the way that the PPI cost was qouted was within the regulations at the time, PPI only became fully regulated after Feb 2005. Now they have to show the PPI cost and the Cost for Credit of the PPI as a seperate Item. Hope that clears that bit up for you.

 

Next,

The refund that they have given you will have been worked out in a weird and wonderful way by them, They tend to state that the PPI is more expensive at the start of the loan as it carries higher risk, what they mean is that there is the risk that if you make a claim they will, if they cannot wriggle out of paying out somehow they may have to pay out on the insurance.

 

The way they always state that the PPI will cost you £x.00 per month is not a true reflection of what actually happens, With a single premium insurance policy what they are in fact doing is advancing you the PPI premium as a loan and of course adding interest to this. The whole insurance premium is paid upfront to the insurance companty at the start of your loan, well the premium less their Commision (which in some cases can be as high as 90%) is paid to the Insurance Company.

 

If they state to you that a single payment protection insurance policy will cost you £x.00 per month they are simply misleading you on that one.

 

What you need to do is calculate the real cost of the Insurance policy that they sold you, You need to take the Policy Cost and add interest at the contracual % APR over the loan period.

(if you need help with this let me know and I will work it out for you).

 

An example of the real cost in my case was a 5 year Policy on a 15 Year loan (Rip off to say the least), where the policy cost approx £3000 but when I calculated the Interest on that over the 15 years it amounted to nearly £4500 in Interest making the true cost of the 5 year policy nearly £7500.00.

 

Now if I had taken PPI through an Independant Insurance Co I could have covered the PPI for 5 years for a total cost of £720.00, under one tenth of the cost which is absoluatelly disgusting. Maybe that is why I am fighting so hard over PPI and trying to make the general public aware of this massive [problem]. Personally I have nothing against PPI policies if they are sold properly and not at the highly inflated rip off prices that the Majority of High Street lenders sell it at.

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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