Jump to content


  • Tweets

  • Posts

    • 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. 
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

MERCERS and 2 faulty BC DNs **WON**


Delfi101
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5750 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • Replies 600
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Right that's the required time for a default on producing the CCA stuff ... 2 phone calls on my sipgate account today and one on my wifes number again.

 

What next?

 

D

 

Will get back to you on sunday. unfortunatly, relatives are coming:) all interent activities cease:)

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

Link to post
Share on other sites

OK I have now received the Barclaycard conditions of use and an application form that I signed.

 

It quotes the CCA. Is this sufficient or do they need to supply more?

 

Amazing how this reply was sent first class and yet they've failed to reply to anything else.

 

 

D

Link to post
Share on other sites

OK I have now received the Barclaycard conditions of use and an application form that I signed.

 

It quotes the CCA. Is this sufficient or do they need to supply more?

 

Amazing how this reply was sent first class and yet they've failed to reply to anything else.

 

 

D

 

it's best to scan & post it, minus personal details.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

Link to post
Share on other sites

it's best to scan & post it, minus personal details.

 

There's no way that it'll scan ... it's blurred as it is.

 

Just by my sig it says ... 'This is a Credit Agreement regulated by the Consumer Credit Act 1974. Sign it only if you want to be legally bound by its terms.'

Link to post
Share on other sites

if its an application form and also blurred then there is no way that it can be enforced

post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

Link to post
Share on other sites

It's clearly marked as 'Application' and the only thing that refers to the CCA is the above sentence. The rest is just personal info that I've filled in ... my 'employment details' are not in my handwriting and must have been filled in by a B/C employee.

Link to post
Share on other sites

if its an application form and also blurred then there is no way that it can be enforced

 

I've scanned this carefully and the key thing is (I think) that the application form that I signed makes NO reference to the terms and conditions that they've supplied as a separate sheet. Even those conditions are vague with no specific credit limit etc.

 

They refer to this badly copied document as an 'Application Credit Card Agreement' in the associated letter and then state what my current credit limit is and what I owe etc etc. At no point is this stated on the document that I signed. It's just an application form.

 

Ideas anyone? It sounds to me like they're bluffing here.

 

I'd genuinely like to stick it to this lot but I need to be sure before I take them on.

 

Funny though ... Mercers didn't call today at all. Do they believe this stuff that they've sent to be true or are they backing off?

 

Equally odd is that once the law is mentioned regarding the legal status of this debt they can reply in writing very quickly and using first class post. The CCA request was sent to Mercers and the response (letter included from a B/C legal department clerk) was from Barclaycard.

 

The letter contains the usual nonsense about going over my credit limit (only because you applied punishing interest you gits) and all of the rest about paying unfeasible amounts to them in a couple of weeks.

 

What next guys?

 

D

Link to post
Share on other sites

Just an update ... Sipgate continues to work and ring silently approximately 5 times a day. I've had the delightful 'Sarah' and 'Ann' leave messages (after 100 secs delay), so congratulations to them, they win this weeks 'stupid juice' drinkers award for services to harassment. That's an unreasonable length of time for any attempted call.

 

I've also received another of those strange cards in a blue envelope with the comic sans font used on the address label. I'm supposed to ring them ... did they miss the idea that I want stuff in writing?

 

Next week the war with Barclaycard begins as I dispute the evidence that they've supplied for my CCA request both by direct response and through Trading Standards (a multi tiered complaint). I have a job interview to prepare for before then and that has to take priority. Wish me luck folks :)

 

D

Link to post
Share on other sites

Just an update ... Sipgate continues to work and ring silently approximately 5 times a day. I've had the delightful 'Sarah' and 'Ann' leave messages (after 100 secs delay), so congratulations to them, they win this weeks 'stupid juice' drinkers award for services to harassment. That's an unreasonable length of time for any attempted call.

 

I've also received another of those strange cards in a blue envelope with the comic sans font used on the address label. I'm supposed to ring them ... did they miss the idea that I want stuff in writing?

 

Next week the war with Barclaycard begins as I dispute the evidence that they've supplied for my CCA request both by direct response and through Trading Standards (a multi tiered complaint). I have a job interview to prepare for before then and that has to take priority. Wish me luck folks :)

 

D

Now that you know what these stupid envelopes contain just photocopy them and mark them RETURN TO SENDER and place in your nearest post box

Link to post
Share on other sites

They have no right of access to your property. Tell them where to go ... better, write to them and tell them that they are not welcome. They have to make an appointment with you NOT tell you when they're turning up.

 

Do not consent but I'd have a camera ready anyway :)

 

D

Link to post
Share on other sites

They have no right of access to your property. Tell them where to go ... better, write to them and tell them that they are not welcome. They have to make an appointment with you NOT tell you when they're turning up.

 

Do not consent but I'd have a camera ready anyway :)

 

D

Under Common Law you have a legal right to remove any trespasser using minimum force. However best thing is too diall 999 and report a breach of pece to the boys in blue. A doorstepper from a scummy DCA has ABSOLUTELY NO LEGAL RIGHTS

Link to post
Share on other sites

Thanks both, had already reported them before when they popped a postcard in the door to say they had called, got an incident number and then when the local agent rang told her what I'd done and that Bcard had no legal right to collect the debt. Could tell she was rattled! Great idea about the camera.

Link to post
Share on other sites

When Ruthbridge were threatening doorstep visits we happened to see someone selling CCTV cameras so we bought one and we just have to press record on the video and we get both pictures and sound of anyone at the door (Surprise surprise they never turned up!!!) but it was worth the £40 for peace of mind.

Link to post
Share on other sites

Update ... now they've gone quiet.

 

No letters or calls for 3 days ... bliss!

 

(Oh and it looks like I landed that job ... the interview went very well)

 

 

I'm suspicious though ... what are they up to?

 

D

Link to post
Share on other sites

Update ... now they've gone quiet.

 

No letters or calls for 3 days ... bliss!

 

(Oh and it looks like I landed that job ... the interview went very well)

 

 

I'm suspicious though ... what are they up to?

 

D

The single DCA braincell is on loan to some other DCA at the minute. They have to wait for its return so as they can continue harrassing you. Enjoy the peace and quiet. It will soon be interupted.

 

Congrats on the job BTW

Link to post
Share on other sites

The single DCA braincell is on loan to some other DCA at the minute. They have to wait for its return so as they can continue harrassing you. Enjoy the peace and quiet. It will soon be interupted.

 

I thought he was on holiday ;)

 

My congrats on the job too *hugs*

Link to post
Share on other sites

Great news about the job Delfi, fingers crossed (that'll explain the typing then!), no doorstep visit but daughter got two more letters threatening visits, have got template from another thread by Priority to reply.

 

Fed up though because sent report to Citi's local TS on husband's behalf only to be told that as he is resident where he is , they can't deal with it and sent it back to TS where I live grrr - they could have sent it back to me, took me ages copying that lot!!!Only sent it there because local TS reply was less than helpful:evil:

 

Good that its quiet for you on the communication front, strange though how you start to become addicted to it, long may your peace continue - cheers:D

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...