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    • 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.  
    • Sleep apnoea: used to require the condition  to be “completely” controlled Sometime before June 2013 DVLA changed it to "adequately" controlled. I have to disagree with MitM regarding the effect of informing DVLA and S.88 A diagnosis of sleep apnoea doesn't mean a licence wont be granted, and, indeed, here it was. If the father sought medical advice (did he?) : this is precisely where S.88 applies https://assets.publishing.service.gov.uk/media/64edcf3a13ae1500116e2f5d/inf1886-can-i-drive-while-my-application-is-with-dvla.pdf p.4 for “new medical condition” It is shakier ground if the opinion of a healthcare professional wasn’t sought. in that case it is on the driver to state they believed they met the medical standard to drive. However, the fact the licence was then later granted can be used to be persuasive that the driver’s belief they met the standard was correct. What was the other condition? And, just to confirm, at no point did DVLA say the licence was revoked / application refused? I’d be asking DVLA Drivers’ Medical Group why they believe S.88 doesn’t apply. S.88 only applies for the UK, incidentally. If your licence has expired and you meet the conditions for S.88 you can drive in the U.K., but not outside the U.K. 
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paythemback vs lloyds - Guildford County Court


paythemback
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First thread tonight, as i join the rest of you in the (hopefully) final stages of my claim against LLoyds tsb.

 

I have been going through the process on line to date, and after an acknowledgement Lloyds have now moved to notify they intend to defend the whole claim. And Ive just recieved today notification from the County Court in Northampton (money claim on line) that my case is being transfered to Epsom in Surrey my local court.

 

The notes say that ----

 

IT IS ORDERED THAT-- 1. The filing of an allocation questionaire be dispensed with in this case unless the district judge at the court of transfer orders otherwise.

 

Is this standard ?---Do i now wait to be asked for a AQ (if at all) by Epsom?

 

Lloyds have sumbmitted their standard 9 point defence ( as seen on this site) from a solicitor in Brighton SECHIARI CLARK AND MITCHELL so if it does move to the court there is a well documented approach to my claim.

 

i would be very interseted to hear from anyone who is on the same "timeline" in their own claim to compare notes.

 

regards

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  • 2 weeks later...

Hello all, especially those in Surrey

 

new development today, recieved a letter from Epsom County Court saying that my case has now been transfered to Guildford (seems a pity as the staff at epsom let on that as yet no claimant to their knowledge had ever lost there)---also seem to remember that Reigate cc are doing the same transfering to Guildford

 

anyway the real point of the post is to see who else is out there who has their case moved too or has been to Guildford to defend.

 

I figure that we could cooperate and share relevant information and give each other support against a common defendant LTSB, so if your case is now under Guildford cc or just as importantly you have recently been through the court there i would be very pleased to hear from you.

 

as we must all live close (ish) maybe we could get together to turn this rather solitary (the good community of CAG and this site excepted) into a shared mission to recover our monies.

 

paythemback

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Hey there, im in the same boat as you so your welcome to put your feet up next to me an see how it all pans out.

 

would be worth you checking out my thread (Ukcrow v Lloyds TSB) as i have just recieved an order of direction from the QC there. I would imagine you will recieve the same as the next court date for all lloyds claimants is apparently in septmeber, Anyways, if you read my thread you'll get a good idea of the mood and the direction the court want to take.

 

Off to bed now but good luck an keep in touch. :)

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Hi Paythemback,

 

Not sure how many people are claiming in Guildford but the chances are no one has lost in Guilford either. The only lost cases to date have been in Birmingham.

 

keep strong and they will payout in the end.

 

Keep us posted

 

Best wishes

 

Zoot

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Hi Steve, just put up a thread (Sid takes on Lloyds) before I saw your thread. Maybe I can get it moved here. My original claim was filed thru Reigate. They warned me that my case was likely to be going to Guildford if lloyds defended the claim.

As i said in my thread, It's now at G'ford and Lloyds solicitors have said that Lloyds are willing to negotiate a settlement.

So sitting in limbo at moment waiting to see what happens next, a credit to my account or a Court date on the small claims track in s****y Guildford.

Will keep you informed of all occurrances.

Let me know if you require any other info to do with this whole sorry affair.

Bear with me.

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Ok guys, good luck with your claims. Im going to be away from a computer till after Guilfest where i'll be marshalling on night shifts till next tuesday. Fingers crossed they'll have sent a response in our favour by then!

 

Cheers - Monty:)

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Monty,

 

Enjoy the weekend at Guilfest, apparently the weather could be much better than of late, lets hope that some good mail comes through all of our letter boxes soon.

 

likewise away for a few days, til the 15th

 

Hopeing to recieve the same directions as issued to the bank in sidtherangers case arriving shortly (please), to put some pressure on the lovely people at SC&M, ------ when i do get a settlement then its into round two, as despite repeated ( 3 letters, cc to local branch, headoffice, andover and copy statement unit ) requests for complete disclosure of charges (now at least 120 days and counting!) Lloyds have only sent 5.5 yrs of statements, so a critical 6 mths when we really were on the recieving end of some serious charges with the account back in early 2001 is still to be claimed.

 

perhaps they will see the sense of paying those back without all this monumental waste of my time and legal systems time and money----although sadly i doubt it.

 

PAYTHEMBACK

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Hello all,

 

Just got back from a few days away and have recieved a letter from SC&M with an offer of a "without prejudice" settlement.

 

Hadnt got as far as a court date, but had sent a letter to them asking them to settle before court, which maybe had an effect on their actions.

 

They are requesting the usual confidentiality and offering a full refund with interest and covering all court fees.

 

I will be accepting the money but none of their terms and look forward to getting my money back in my account soon,will only celebrate when the moneys cleared.

 

good luck to the rest of you

 

Paythemback

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Congratulations :D :D :D

 

Here's a link to the letter I used to refuse t&c's of offer letter. It works because I have just been paid out :D

 

http://www.consumeractiongroup.co.uk/forum/barclays-bcard-woolwich-successes/48032-jakena-barclays-4.html

Come on the mighty reds!!!!!!

 

Lloyds TSB - Success - 14/7/07

Lloyds TSB - Pending -

Halifax - Pending -

 

 

Tip my scales if I have been of assistance :D

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Ive phoned and spoken to SC&M today, and have faxed and sent my acceptance of their offer, Ive used a version of Red Rebels letter from the link he posted earlier in this thread and modified it slightly to my personal circumstances .

 

I told the lady i spoke to that their offer was acceptable but i would not comply with any of their terms/obligations and got a rather resigned "ok then, that will be alright".

 

this is my second (lloyds tsb group) "victory" as ive also just got a refund from an overcharged mortgage exit fee from C&G --- this just took a single phone call to secure, but what is unbelievable is that the building societys must easily know who theyve overcharged but you have to chase them!

 

hope some of you get good news soon, i will be staying in touch as i will be hopefully starting a new claim very soon, when they forward the six months of statements that they still havent sent from early 2001.

 

Whilst im talking could anyone tell me how do you actually calculate the six year period? --is it six yrs back from the last charge you claim for? ---six yrs from the date you recieve your statements? --- or something else?

 

paythemback

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I first requested the data on 13.03.07 --- received letter back on 17.04.07 with a list of all charges --- but they only provided data from 10.09.01 until 01.12.06, its possible that i havent had any charges from 01.12.06 so this later date could be correct as the request was for a list of all default charges, not a full list of statements ie. all transactions.

 

Lloyds have not cashed the £10.00 cheque i provided , which i assumed was a tactic so they could initially dispute the date my first letter was recieved ( to stay within the 40 days ), and the cheque remains uncashed to date.

 

so do they owe me statements at both "ends" ie from 01.12.06 til 13.03.07 and from 13.03.01 until 10.09.01 ? ---- its the period in 2001 that im wanting to claim back the default charges for.

 

has any one sucessfully been refunded back further than 6 yrs yet?

 

also what action can i take against Lloyds for obstructing my request?

 

 

paythemback (hopefully to be paidthemback soon)

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