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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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Is My Agreement Enforceable - Useful


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Also no credit limit in the agreement which IS a prescribed term but can that be stated as we will advise you of the credit limit instead and be valid?

 

Captain2, you can argue this renders the agreement unenforceable, see my comment here. http://www.consumeractiongroup.co.uk/forum/legal-issues/188093-egg-credit-agreements-what-59.html#post2406581

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Hi All!

 

This is my first posting but I want to say thanks for all the great advice I have already picked up from members on this site.

 

I have seven credit cards, five of which I would like to challenge asap.

 

I have already gone so far with an MBNA (£5700 appox) claim via a 'specialist company' and they have identified sufficient breaches to put my claim to their panel of solicitors. Cost me £295 so far, which I don't mind on this occasion as they have convinced me that their court cost insurance package would protect me if things were to go wrong????

 

I am now waiting for a response from their solicitors which seems to be taking an age! Now, I aint stoopid when it comes to legal stuff but admit I am not familiar with the ins and outs of these types of claim yet so I would appreciate some basic advice. Next stage for me is to sign an agreement to proceed with the solicitors so I am hoping someone can advise me soonest on the following before I commit to something which might sign my best interests away!

 

I've had the MBNA card since 2003. Must have paid them a fortune in interest over six years. I think I have read somewhere that, if a successful claim is made, the lender has to refund certain payments. If so, does this go straight into the solicitors pocket in total!

 

Capital One is next. Owe them £1800, again started in 2003. Never missed a payment - now they have upped their rate to 34.9%!!!! Words fail me. I have all the paperwork they returned to me originally. Don't look like a proper agreement to me - but cant remember if I signed an actual contract or not. I certainly don't have one (I am one of those sad ba****ds who keeps every receipt etc!) Will I have to go through all the rigmarole of writing off for a copy etc.

 

So far, my record of payments to all my lenders is squeaky clean - but I can't keep this up much longer - age 64.5, not presently working due to illness; have £175K in provable equity in 2 properties both mortgaged to Halifax, one going on sale shortly, should realise £150K for me - but Halifax wont even consider a loan to keep me going due to no significant income at present. I really want to protect my credit rating since I plan to go back into business as soon as the first house is sold. But seems just cant borrow any more to keep going due to my circumstances. Selling off personal items to survive! It would be a shame to default or make arrangements at this stage and lose my credit rating when I'm so close to being in the black and ready to get going again!!

 

Should I go ahead with MBNA via the agents? Please help!

 

Justin Tyme forumbox_top_left.gifforumbox_top_tile.gifforumbox_top_right.gifforumbox_left_tile.gifAre you letting your bank keep your money Are you giving away thousands of pounds??

 

Many people aren't claiming all of the money they are entitled to when they make their bank charges claims.

 

You have been forced to pay unfair bank charges.

Have you forgotten that your bank has charged you inteest on those charges?

If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you.

Yet you are paying interest to the bank - on your own money!!! - a nice little earner for your bank.

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Hi Justin - welcome to CAG

 

Firstly, I'm not sure what the bottom paras of your post are about - is it supposed to be your signature? If so, you need to input this info into your personal details on your user page.

 

Re. your debts: If you want specific advice on each one, suggest you post the individual query in the relevant forum, this thread is so large it will get lost here & you may not get the dedicated help you want.

 

In general, particularly with your MBNA debt & bearing in mind you don't want a default, if you pass it to sols. it is possible that they may advise stopping payments which will automatically trigger a default on your credit file. Also they will, almost certainly, take a protracted time to resolve the issue & you may end up 'giving' them any recovered funds (or even worse, owing them money, depending on your contract). Not sure what they are hoping to reclaim for you but basically you should only be prepared to recover unlawful charges & assoc. interest (eg. over limits, late payments etc), interest on the capital you have used is not included in a claim like that.

 

Everything they can do for you, you can do for yourself with a little bit of time spent on research with the help you will get on here. Think very carefully before you sign up with any of these so called specialists.

 

You can start any of your investigations/claims by sending for a copy of your CCA (cost £1.00 only!), post it up (minus your personal details) & CAGers will help you determine if it is enforceable & your actions thereafter.

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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Hi Foolishgirl,

Thanks for that, very helpful. Not sure where the stuff at the bottom came from - not me! I obviously had the wrong idea that the interest on the capital loaned could be claimed back. Will have to wait and see what solicitors contract offers now you have alerted me. Going to try doing Cap One myself. Thanks for your time and assistance! Justin Tyme

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Thanks for that, very helpful. Not sure where the stuff at the bottom came from - not me!

 

If these weren't your comments, you should report the post to a mod - click on the red triangle at the bottom L of your post.

Going to try doing Cap One myself.

 

MBNA is also a possibility too - look in the MBNA forum for how to tackle it

 

Thanks for your time and assistance! Justin Tyme

 

YW

 

 

FG

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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Not sure where the stuff at the bottom came from - not me!

 

If these weren't your comments, you should report the post to a mod - click on the red triangle at the bottom L of your post.

 

There's nothing wrong with the post/forum. This actually wasn't his first post, which is here;

 

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/218215-unenforceable-credit-agreements.html#post2407867

 

What has happened is that this post was copied in to this thread - when that happens, the "magic links" (those keywords which are underlined automatically in the forum software) are lost and the wording behind those links are copied to the clipboard. When the copied post was pasted in to this thread, it's brought the HTML behind the link with it.

 

I'm unclear why you'd post your "first post" on 2 threads, but my advice would be to start your own thread, so all your posts can be kept in one place.

 

Mystery solved ;)

 

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FG, Justin and Car,

 

I have edited that hyperlink carry over, out of the thread:)

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Uploading documents to CAG ** Instructions **

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3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

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2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hey eveyone... just joined and have literally become addicted to reading all the threads. So basically I am here for my dad. He is self employed and always paid his bills.... that was until two years ago when he got trapped in a fire and ended up in hospital for nearly a year. During this time my mum went through all their savings trying to keep the house, run their house and visiting my dad who was in hospital over 3hr drive away. Obviously without my dad there and my mum dropping to part time so she could visit dad all unsecured debts went unpaid. I have to say most creditors were very understanding and completely froze the debt. However there were a few (and Lloyds tsb being absoluteky nasty down the phone) didnt care and said tough, they continued to hammer on late payment charges and interest to the point where one credit card with Lloyds has doubled. Well I have found you guys and yesterday I printed off the cca req , although my dad is out now and working because of tis he is struggling like crazy and alot of the times cant even afford the minimum payments. Also he is working anything up to 15hrs aday. I feel so awful for him. I am hoping some of these come back an unenforceable so he has leverage to negotiate lower monthly payments. I will start a thread as soon as the ccas start coming in. What a fantastic site, I am glad I found it. Nice to meet you all.

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Hi minmac - welcome to CAG.

 

So sorry to hear of your dad's woes but hopefully you will be able to offer him some help with his debt burden in due course.

 

When you get the CCAs, start a seperate thread for each one in the appropriate forum & post up whatever they send you (minus the personal details). I'm sure you will get lots of help from CAGers. :)

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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Hey eveyone... just joined and have literally become addicted to reading all the threads. So basically I am here for my dad. He is self employed and always paid his bills.... that was until two years ago when he got trapped in a fire and ended up in hospital for nearly a year. During this time my mum went through all their savings trying to keep the house, run their house and visiting my dad who was in hospital over 3hr drive away. Obviously without my dad there and my mum dropping to part time so she could visit dad all unsecured debts went unpaid. I have to say most creditors were very understanding and completely froze the debt. However there were a few (and Lloyds tsb being absoluteky nasty down the phone) didnt care and said tough, they continued to hammer on late payment charges and interest to the point where one credit card with Lloyds has doubled. Well I have found you guys and yesterday I printed off the cca req , although my dad is out now and working because of tis he is struggling like crazy and alot of the times cant even afford the minimum payments. Also he is working anything up to 15hrs aday. I feel so awful for him. I am hoping some of these come back an unenforceable so he has leverage to negotiate lower monthly payments. I will start a thread as soon as the ccas start coming in. What a fantastic site, I am glad I found it. Nice to meet you all.

 

Hi minimac,

 

Just a few suggestions.

 

1/ Was the fire at work or a company/ public building ?

If so, your dad may be eligible for compensation?

The company etc would have insurance for this.

 

2/ Does your dads injuries make life difficult for him still, or require that he gets help form others ?

If so, he may be eligible for DLA (Disability Living Allowance).

This is a non means tested (ie: income is irrelevant) benefit to help him or anyone helping him. Speak to your local Social security office or look into this online.

You Mum may also be able to backdate a claim for financial help for the period she was looking after him. Again speak to DSS.

There are also normally lots of local (free) independent organisations that can help sort such things out. Look in phone book or online.

 

3/ Did any of the cards loans etc have insurance ?

If so then he should not have had to pay whilst off work.

You may need to check if there was any cut off period for claiming.

 

Just some ideas ?

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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Hi Photoman thanks for input. The fire was at my parents house, it was my dads fault, so no compensation. He does have and will always have numerous health issues as a result of the fire, but its not so severe that he cant work or will feel sorry for himself and stay home. He likes to just get on with things. My mum did make a claim for help when my dad was in hospital but as they had savings she could use she wasnt entitled to anything ( except free parking for the year at the hospital, lol). There was ppi on 2 or 3 of the debts but they ran out after erm... I think it was 6 months . Geez can you believe I am sill here from earlier post lol. I am practically reading every post in the whole forum lol. I find all this so interesting/helpful I dont think I will ever leave, I have learned so much my head is about to pop lol. xx

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Did I here someone mention Lloyds TSB?

 

I hate those people :mad:

 

Ooh, NP, how can you say that when you have an enduring penpal relationship with them :rolleyes::lol:

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Ooh, NP, how can you say that when you have an enduring penpal relationship with them :rolleyes::lol:

 

 

It`s easy, I hate those people!

 

Saying that, it`s been mighty quiet for quite a while now, not tempting fate of course :D

 

Then again, I`ve got nothing to say to them :p

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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Like many agreements we've seen on here, enforceability would depend on whether the terms and conditions were on the back of the application form, or in a separate document.

 

Are there any references on the application to 'terms and conditions on reverse' etc? The general concensus appears to be that they would have been a separate leaflet, but you're unlikely to find out for certain until you actually get to see the original, if it still exists.

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Hiya

 

Yes I wrote to both MBNA and 1st Credit back in May requesting a true copy of the CCA, but 1st Credit emailed it over last week after I chased again. Another thing that puzzles me is that I ticked for PPI but I am not sure if I paid it and that the figures quoted go up to 5k and my credit limit was actually 15K.

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Hello Foo Fighter,

 

Firstly not sure which programme you used to block out your details but I have clicked on your application link many times and at least twice all your details were showing for approx ten seconds before the boxes blocked your personal stuff ..... very strange!

 

That application matches others I have in my database dated 1996 / 1997 and I have it on good authority that it would be genuine. The big question is ... are the prescribed terms on it.

 

The "previous address" boxes were put at the top of the T& C's on the rear at around this time.

 

Please can you confirm the reference number giving on the rear page at the bottom ..... it will be something like ... LA-6-96-64-N.

 

Onwards and Upwards

 

Chalkitup

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Hi

 

Can anyone help me and take a look at this CCA with MBNA ?.

 

This was signed in 1996.

 

Many thanks

 

Hello Foo Fighter,

 

Firstly not sure which programme you used to block out your details but I have clicked on your application link many times and at least twice all your details were showing for approx ten seconds before the boxes blocked your personal stuff ..... very strange!

 

That application matches others I have in my database dated 1996 / 1997 and I have it on good authority that it would be genuine. The big question is ... are the prescribed terms on it.

 

The "previous address" boxes were put at the top of the T& C's on the rear at around this time.

 

Please can you confirm the reference number giving on the rear page at the bottom ..... it will be something like ... LA-6-96-64-N.

 

Onwards and Upwards

 

Chalkitup

 

Attachment unapproved until the personal details are removed - I, too, could see those, CIU.

 

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Oh, hell I'm a techno dunce....... am I right in thinking that the attachment has now been removed.......?. Damn, I'm hoping it has until I can rescan without my details being public. LA-5-96-29-N is the reference number at the bottom.

Many thanks

Foo Fighter

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Oh, hell I'm a techno dunce....... am I right in thinking that the attachment has now been removed.......?. Damn, I'm hoping it has until I can rescan without my details being public. LA-5-96-29-N is the reference number at the bottom.

Many thanks

Foo Fighter

 

 

Hello Again,

 

You are safe .... car2403 has unapproved the link so nobody can open it now.

 

Thank you for the ref number ...... just confirms my thoughts ..... 1996 application.

 

I have not got time now but I will find the link later to another Caggers thread where they have the same application ..... you can then read what others have said about that one.

 

Onwards and Upwards

 

Chalkitup

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