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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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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Welcome Finance - This company needs to be banned.


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Hi Peter,

 

Wonder if you could comment on something Welcome told me.

 

The term of the insurance sold was only for 60 months but the term of the loan is 180. What are the limits for insurance companies. They tried it on with me about they would have re-sold me another policy after 60 months and were trying to keep costs down.

 

From my understanding direct group are short term and cannot issue a policy over 60 months, in effect selling me something that was useless even if I did want it?

 

Any ideas?

 

Stewie

I need to change my avatar..But cant find a good replacement.

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We Are Having Some Posts That Are Misleading And Untrue To Confuse,

Please Cease And Desist

 

No Names But Stewie/andie Its Not You

 

 

How do you know its not me??? :rolleyes:

I need to change my avatar..But cant find a good replacement.

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Hi Peter,

 

Wonder if you could comment on something Welcome told me.

 

The term of the insurance sold was only for 60 months but the term of the loan is 180. What are the limits for insurance companies. They tried it on with me about they would have re-sold me another policy after 60 months and were trying to keep costs down.

 

From my understanding direct group are short term and cannot issue a policy over 60 months, in effect selling me something that was useless even if I did want it?

 

Any ideas?

 

Stewie

 

 

Dammit forgot to ask you about this to. Are they allowed to place a full charge of the 60 months insurance policy over 180 months and charge interest on a service you no longer qualify for?

 

I know its like walking into a casino and spending all your savings then asking for your money back. But are they allowed to benefit from clear lack of needs and demands from the customer?

I need to change my avatar..But cant find a good replacement.

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Stewie

 

I Have My Spies And Double Agents

 

Believe Me

 

I Know The Answers Before Questions Are Asked,

Its Just I Cant Official Comment On Them

 

Hands Tied For The Moment

 

 

Soooooo how do we know its not you then:p Hmmmmmmm? :D

I need to change my avatar..But cant find a good replacement.

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hI stewie

I need to correct my error the tollerence on APR is 1 above or .1 below the actual figure.as in doh. not 1% or .1% which is what i think i said earlier put it down to my age.

General tolerance

A general tolerance allows the disclosure of a rate that is up to 1.0 above or 0.1 below the correct APR. For example, if the correct APR for an agreement, rounded to one decimal place, is 17.3, any figure from 17.2 to 18.3 inclusive can be used in an advertisement or agreement.

 

Be back in a minute

 

Petr

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Hi Peter,

 

Wonder if you could comment on something Welcome told me.

 

The term of the insurance sold was only for 60 months but the term of the loan is 180. What are the limits for insurance companies. They tried it on with me about they would have re-sold me another policy after 60 months and were trying to keep costs down.

 

From my understanding direct group are short term and cannot issue a policy over 60 months, in effect selling me something that was useless even if I did want it?

 

Any ideas?

 

Stewie

 

Hi again stewie

I m affraid missold PPI is not one of my strong ppints although it does sound like a good case. Have a search around the site their are a number of specialist threads for PPI.

 

Cheers Petr

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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ammended my letter a little bit - comments if it's ok or not appreciated

 

I am in receipt of your letter dated 20th March 2009 and its contents are noted.

I have however decided to exercise the right you referred to in your letter and will be asking that in light of receiving your final response that they Financial Ombudsman Service continue to investigate this matter.

In the meantime I would also bring your attention to the fact that I am currently in litigation with your company and therefore as the amount outstanding remains in question the account remains in dispute.

Therefore my direct debit will remain cancelled.

As this account remains in dispute I remind you, you may not demand any payment on the account, nor am I obliged to offer any payment. You may not add further interest or charges to the above account nor are you to pass this account to a third party.

Lastly you may not register any information in respect of this account with a credit reference agency nor are you allowed to issue a default with regards to this account.

I trust this letter now clarifies the position.

Yours Sincerely

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I thought I would stir the pot a bit this morning with a friendly call to my local Welcome branch and speak to "account manager". From the sound of his voice I suspect he has just cracked puberty and has serious identity issues.

 

I went back in my diary and I have been waiting just over 3 weeks for a return call back from him and countless messages I have left. So I came to the conclusion he isnt going to call back. So I called him.

 

Plainly the branch CANNOT explain how the figures are calculated on the agreement, he DOES NOT know if interest is added onto the acceptance fee and if it is indeed valid to do so. He suggested I come into the local office to have a meeting to discuss my agreement with him and the branch manager.

 

I have accepted the invite and will schedule it for early next week, pending the outcome of some documents I have asked for from head office. I wonder if they would object to me filming the session and then posting it up on YouTube?

 

Anyhow they have no bloody clue. I have only ever been into the branch once and I left because the person I was meant to meet with was sick that day and didnt make it. Nice to let the customer know!

 

I really have a massive dislike for this company and all they stand for.

 

This morning I sent off my agreement to two major accounting firms and hand delivering it to Delloits this afternoon. Im so excited about this!

 

The rebate on PPI could be my saving grace at this stage. The fact they have not re-calculated the loan is a big NO NO in the industry, and the fact no needs and demands statement was taken is also cause for concern. 60 month insurance term on a 180 month loan agreement is substandard and could rule very heavily in my favour.

 

 

Just an update

Stewie8-)

 

 

Stewie - when you go to the branch, ask them to show how everything is calculated in front of you. I guarentee they will have a blind panic. They will adv PPI canx through another dept and will also adv unable to tell you exact figs

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Afternoon Gloucs

 

Any Comments On The Last Thread Ive Been And Posted,

I Would Like The Ex Insider View On This

 

What Do You Think Welcome Are Up To

 

Could Be Very Useful If You Give Confirmation

 

 

I have missed so much - which thread is it you would like comment on??

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* Telephone charges ( know what these are but want them refunded)

* Fee assessment (all under a pound?)

* Capitilisation (for all different amounts every few days?)

* Outside call fee (£60, never had a home visit)

* Letter fee

* ADD HOC fee ( varying amount from £5 up to £100)

 

I will right down what these all mean.

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Telephone charges - £10 - can only be charged if a) in arr's and b) broken an arrangement to pay eg; i will call on 31/03/09 and you didn't. Plus can only charge max 3 times in a month.

 

Fee assesments are when the finance dept are supposed to remove/amend charges.

 

Capitalisation are the interest postings, interest is applied to charge, account, arrear's - EVERYTHING

 

Outside call fee is same principle as calls and letter - £25 - can only charge is broken arrangement and max charge is once a month.

 

Letters £10 - only allowed to charge once a month and can only call you after 3 days from when letter issued or classed as harrassment

 

Addhoc fees can also be anything from declined debit card payments, extra interest etc

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Surely the phone charges and letter charges can be claimed back using the same kinda methods as bank charges.

 

IE : you agree to a charge when you sign but anything above and beyond what it actually costs becomes a penalty?

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