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    • 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)
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      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.

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unfair treatment!!!


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Office of Fair Trading - Debt collection guidance.

Final guidance on unfair business practices, July 2003 (updated December 2006).

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

 

Trading Standards is a good place to go as well!

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

 

Regards, Dave.

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Solicitors Regulatory Authotity is another option, this was previously The Law Society Regulatory Board. Their address is:

 

8 Dormer Place

Leaminton Spa

Warwickshire

CV32 5AE

 

Tel: 0870 606 2555

 

website: Solicitors Regulation Authority - Home

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Thank you all for that information. Not sure what way to go yet may be if I tell you a about my situation one of you can guide me in the right direction or whether its worth pursuing. Due to my situation I was unable to make my monthly payments so my credit card account was passed to a solicitor. I did fill in a budget plan and offered to pay what I could afford this I sent off in January 2007 few days after this date I received court papers I was shocked that they didn't even acknowledge my offer and so scared to have received court papers. I couldn't afford to pay the full amount off in one go so had no option then to fill out a budget plan and offer the same amount as to what I had already offered. I was exstreamly worried whether this was enough as I thought they would have excepted it originally. I couldn't offer any more. When I recieved the judgement the court had fixed my monthly payments at half the price of my original offer, so why didn't they except my original offer they must have known this would happen. Could it be that the solicitor will get something out of it as they have added quite a bit of money on top. I don't think the solictors had acted in the best interest of their clients but may be I have missed something or maybe my credit card company is not bothered when its been passed to someone else to manage. I don't think they should be allowed to act in this way. Is it worth making a formal complaint I don't want to make things worse for myself, even if I do complain how will It benefit me I cant un do my CCJ also I'm not law literate so don't know where I stand? Any help will be truly appreciated.

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It's quite common for a creditor to pass an account on to a 3rd party to collect. In your case these solicitors may even be the 'in house' solicitors for the creditor.

 

If you owe the money and couldn't pay under the terms of the original agreement you signed for then yes, in theory, they can take county court action against you - some creditors never go this route but some are much more aggressive in their approac. This isn't a criminal record it just affects your credit reference file.

 

As long as you pay under the terms of your CCJ the creditor / solicitor / whoever cannot take any further enforcement action against you.

 

There is something called the Civil Procedure Rules ( CPRs ) which govern the county court. Contained within these is something called the 'Overriding Objective' of the court. This does state that creditors should make every effort to come to a reasonable arrangement without having to take court action. ie county court action should be a kind of 'last resort'.

 

Now you can't defend a county court claim based on this as you are not disputing you owe the money. What you could possibly have done is argue against court costs being added to your debt - on the basis that the creditor would have got more from you by avoiding court action so the action wasn't reasonable, contravention of CPRs so they should pay their own costs.

 

Now the CCJ is in place you have a choice - continue paying, or apply for something called a 'set aside'. A set aside puts the CCJ back to the 'claim' stage so giving you a chance to defend or partly defend the claim. So you could try to partly defend the costs part of the debt. You need to be aware that if you are unsuccessful in your defence you could then be liable for further additional costs ( remember the court staff & judges can and do exercise their discetion when interpreting some of the CPRs ).

 

I hope this helps

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Thanks very much that was very helpfull. I will think about those options and decide if its worth all the aggravation. Wish it was more straight forward. I wonder if anyone has actually done that?

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Powelll have a another question you may have the answer too?

 

If say my offer of payment crossed in post at the time the court papers were issued can the solicitor stop this action and except the offer?

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