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    • 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.
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    • 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
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Duffers mum v Sainsburys Bank


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  • 2 weeks later...
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Have received a letter from Bank of Scotland in connection with my Sainsbury's CC. The letter is addressed to me at my address and then goes on to say...Dear Miss England! How professional bearing in mind thats not my name, nor has it ever been! They state that the debt is validated when the terms and conditions are signed and the account is used, they have now arranged to issue me with copy statements for the life of the account (poor postman!) and a copy of the T&C's I agreed to when the account was taken out. Apparently I have already received the signed terms and conditions (I presume they mean the application form which they state is the CCA!) Obviously I will be sending a very nice letter back to them asking that they call me by my correct name and title in the future. Are they correct in what they say about validating? :)

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I assume that as they cant call you buy the correct name the the debt is not valid at all.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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is the account number correct. They should have put a ref number which usually includes your account number or summing. If they did not then u may be able to have sum type of compensation under the data portection act.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Today I received a letter from Sainsburys Bank, wouldn't it be nice to actually know who is dealing with this matter, they are absolutely useless! Sainsburys state that "In order to satisfy our obligation under sectin 78 of the CCA we are required to supply the following:-

 

A signed copy of the executed agreement

Copies of your statements to verify the debt (this is a new one on me I thought that was for an SAR!)

 

They go on to state that they provided me with a copy of the CCA on 21 August, however I think they've sent a copy of the application form not the agreement because it has about my right to cancel still on it, not you have been given 7 days to cancel etc, also I can hardly read it. They also sent a copy of the terms and conditions which they say they previously supplied with their original response. HOwever these T&C's clearly state they will charge £12 for fees etc, anybody know when they lowered their fees? I believe the fees they were charging at the time i opened the account would have been much higher than this, so think is is a copy of T&C's as of today's date.

 

They then go on to say they have satisifed their obligation.

 

So, when were CC companies made to reduce their fees and should an executed CCA still show your right to cancel as opposed to the sentance stating Under CCA 1974 we should have given you a copy of this agreement at least seven days ago to allow you time to cancel, if we did not the agreement cannot be enforced without a court order? The application also never showed the APR, although the T&C's they've provided now does. Answers on a postcard please! :) the ap

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Just realised something. At the end of July Sainsbury's Bank agreed to my paying £10 per month for an initial period of 3 months (by my reckoning that takes me to the end of October) they did state that interest and charges would still be added. However if they have agreed to this should they have then still be chasing me and sending default notices?

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Just realised something. At the end of July Sainsbury's Bank agreed to my paying £10 per month for an initial period of 3 months (by my reckoning that takes me to the end of October) they did state that interest and charges would still be added. However if they have agreed to this should they have then still be chasing me and sending default notices?

 

They can still issue a default notice even if they have agreed a reduced payment ( as you have defaulted on the original agreeement ). Of course if they can't comply with CCA you can go the route of arguing that no CCA = no default & try to get it removed.

 

In terms of 'chasing' you it would really depend - if they were harassing you they commit a criminal offence

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They say they have complied with my CCA request, but T&C's from today's date surely are different to T&C's from 2002?,also I think its an application form so need to try and get it scanned in, they are just being really obnoxious, i think they will send to it their in house DCA next, who will get exactly the same response from me, here's a tenner each month its all you're having!

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  • 2 weeks later...

Received my monthly statement today, Sainsbury's are still charging me late fees and interest. My debt to them when I asked them to accept reduced payments in July was just over £7,500, nice to see its now well over £8,000 thanks to their interest and charges. They really are quite despicible aren't they! I've had no letters from them for a few weeks now, not sure whether that is because of the postal strike or whether they have now passed it to a DCA, I wait with interest. If a DCA I guess I should advise them that Sainsbury's have not complied with my CCA request etc and continue paying my £10 per month. :)

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  • 2 weeks later...

Oh how strange, perhaps we have gremlins!

 

I know Sainsburys are part owned by Halifax by the shoddy way they do business!

 

Luckily for me my contract is up for renewal this month so I'll probably cancel it and get a new phone on a new contract with a new number, then they can send as many texts as they like! What makes me cross though is that they don't give you a number to text them back on so you can tell them to clear off, anyone any idea how to get around that? :)

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I'm really cross, and I mean really. I received a text message today from Sainsbury's asking me to call them. Well firstly I've asked for correspondence in writing only. Secondly I opened my account with them in 2001, its now 2007 and i've only had my present mobile number for a year. So how did they get it. Well i suppose its obviously from Halifax PLC who have it. Surely Sainsbury's are a separate company and if I have asked for none of my details to be passed to anybody they shouldn't have passed it over. Obviously I can't reply because there is no number, anybody have any idea how I can text them back and tell them to go away? Failing that should I SAR them to try and find out where they got my number from? :)

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Hi DM

 

All the supposed differing companies under the HBOS are no more than brands. Sainsbury's Bank, Halifax, Bank of Scotland, AA Finance, the list goes on... Away from the high street they share the same premises, staff and data systems.

 

Case in point: I am currently defending and counterclaiming against Sainsbury's Bank, the claim was issued by Bank of Scotland. ;)

 

Kind Regards

 

Rosie

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Thanks for that Rosie, but surely that means they are separate companies with separate directors etc, I'm thinking now I should open another currently account or have my salary paid into my hubby's accout, as my account is with the Halifax. I hope I'm right in thinking though that they couldn't take money from a Halifax current account to pay a Sainsbury's CC, but they could to pay a Halifax CC? I'm pretty sure when I opened my Sainsbury's CC account they weren't in cahoots with Halifax then.

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I don't think they could do so legally, but I wouldn't put it passed them. It is my understanding that offset, is an entirely contractual matter - there is no statutory right to it. Perhaps it might be a good idea to scan the T&C's of your agreement to see if they can offset in that manner. Whatever the T&C's, I would think it prudent to open another account if you are in dispute.

 

Out of interest, at it's inception, HBOS was initially a junior partner (30%?) in Sainsbury's Bank, the other partner being J Sainsbury plc, but they have since upped their share to 50%.

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Nice one DM. I have had to do that to with my mobile number

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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I was very impressed with my Mobile PHone company, I said I was getting unwanted texts/calls and they said, no problem we'll change your number free of charge this time for you and it was all done in half an hour and I didn't even need to take out a new contract - what a change to get decent customer service, a few of our financial friends could do with taking a leaf out of their book! :)

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yep. That happened to my partner his mobile number was changed in seconds as well.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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AARRGH, I really do dispair of these companies at times. I have written numerous letters to Sainsbury stating categorically that I will only deal with them in writing. Following on from my email to them where I advised them to stop sending text messages to me, I have today received a letter apologising for the distress "the calls" may have caused, it apparently was certainly not their intention to cause distress! (I didn't receive any calls, just shows how much they actually read of things we send them!) and advising me that they have taken immediate action to suspend this activity (would find it hard not to suspend it as i've changed my number!). With effect from today and for an initial period of 3 weeks all collections activity will stop (which means I'll only have to deal with Barclaycard over those weeks). They then say, to arrange a mutually beneficial way forward, please call us to discuss your account!!!!

 

I will be sending off yet another letter to them advising them to read my file and accept my reduced payments and stop interest and charges and advising them yet again that I will not ring them.

 

The letter is actually very nice and polite and makes a change from the usual ones I have received from them, which I suppose is making some headway, but nevertheless they still keep wanting me to phone them.

 

I'll keep you posted :)

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  • 3 weeks later...

I've been reviewing my file on good old Sainsbury's as my three weeks will be up soon and no doubt the vultures will start circulating again. However as they only sent me an application form/agreement and no T&C's I am right in thinking they haven't complied aren't I? The T&C's they did send separately are ones which were obviously printed off their web site and the heading/footer clearly shows the date as being October 2007, so, no credit limit, no APR and only T&C's from this year. I've already told them they haven't complied, they say they have, I guess my next step should be TS, anybody know which TS I should contact as my account appears to be being dealt with by half the UK? :)

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Hi DM

 

Sainsburys have just sent me the exactly the same.

 

They need to send the original T&C otherwise the default of the CCA remains.

 

Its a sigh of relief when the application form came through my door with no perscribed terms:D

 

I have stopped payment now so I can see the fun begining.

 

HAK

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Having a Nightmare, no doubt they are still happily charging you interest and charges though as they are me, this is what annoys me more than the defaults and threats, although they obviously shouldn't be doing either of those, but my debt with them has risen by hundreds of pounds since July, however when the time comes to start repayments or offering a F&F, I will insist all charges which should not have been added are taken off. Good luck :)

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