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  1. Hi Guys, wondering if anyone can help me/provide some advice. A couple of years ago my landlord (Housing association) applied for a possession order. At the time my rent arrears were around 2k. I agreed with the judge to pay back the arrears at the rate of around £15 per week. I have recently had a period of unemployment and as such fell behind with my agreement, and for the last 6 months or so have only worked sporadically, usually not applying for HB when I havent been working. As the arrears have risen to about 2300 I recently called my landlord to let them know I had secured an 18 month contract at a new employer - and was able to start making weekly payments of £30 per week on top of my rent to start clearing the arrears. I have stuck to this since the agreement though unfortunately one of the payments went missing (since turned up) & they have now sent me letters and are saying they are applying for an eviction warrant. Is there anything I can do, In an ideal world I would like to continue paying the £30 per week on top of my rent to reduce arrears - my current arrears are just under 2k and at a push I could probably get my hands on anything up to a grand to get them halved. Any advice would be much appreciated
  2. Hello there, I'm new here and this is my first post, so my apologies if I'm not up-to-speed on how this site works. I was playing music in my flat today at around 11.30am this morning and turned it off after about an hour or so. After about another hour I had a woman who identified herself as being from the Housing Association (HA) knocking on my flat door, shouting through the letterbox and telling me to "open up the door!" There was not only a woman from the HA, but another woman outside my door, and my neighbour across the hall was talking to them and they were all waiting for me to answer. I was utterly intimidated and did not answer the door, but instead listened and watched them through the peephole. They left after several minutes of knocking and shouting through the letterbox. Can they do this? I thought they had to give at least 24 hours notice to visit your property, and not turn up unannounced. Back ground: I have had one previous noise complaint from a neighbour below me about two years ago for playing music one night, which was dealt with extremely harshly by the HA. They monitored me and finally closed the complaint after no further complaints. I have had to call the police about the neighbour who complained about me for harassment (long story); I believe he complained out of spite. I have lived here for just over three and a half years. Any advice would be most welcome as I'm fearful of what they might do next. Best wishes, Amanda Joyce
  3. hi all, and thanks for any advice in advance. I've lived in a housing association house for 12 years. 10 weeks ago i received a kind of threatening letter instructing me that the boundary is to be moved and to move all of my belongings. there was no consultation, and the housing association had been in negotiations with the private developer for a minimum of 7 weeks, without saying a word to me. and they ere running around in my garden without my knowledge measuring up. housing association then said it has never been part of my garden. but the boundary hasn't moved in 77 years, 1945 aerial photo shows boundary in the correct position. 1948 councils maps show boundary in the correct position. 2003 council maps given with the tenancy shows boundary in the correct position. 2003 council records confirm boundary in the correct position in. 2004 the maps used to sell the properties to housing association from council show the boundary in the correct place. 2004 land registry maps show boundary in the correct position. 2007 or 9 survey map of the plot, that has been given part of my garden shows the boundary in the correct position. 2009 the housing association entered my garden and measured up without my knowledge and confirmed the boundaries. (housing association states they have never surveyed my property, emails confirm they did.) 2014 the housing association entered my garden and measured up again, without my knowledge, and came back with differing number. satellite imagery shows the boundary in the correct position. Photos show the boundary in the correct position. The has been no proof provided in any shape or form that the boundary should be moved. in fact the housing association now refuse to answer questions. or provide any proof. or explain at what point in the last 77 years the boundary has ever been in the new possition. the only thing that they have supplied is an unsigned lazer survey showing the boundary and the proposed move. (supposedly done by a boundary specialist, but it isnt signed off) to be honest, its a little confusing how it couldn't be part of my garden. I signed a tenancy agreement for all that was offered, as accepted by both parties. has the tenancy conditions changed under duress? (the threatening letter) Breach of tenancy, because they failed to consult? I have been informed that as i have the right to buy, they cannot asset strip my property. as they are a registered charity, they cannot cut price sell property, at a guess that also includes giving it away. would i be in my rights to withhold the rent until they properly address the problem? what would be the next steps? Its really strange having an 70 years plus old garden path leading into another property....
  4. On a recent gas inspection i was told that my CO sensor was wrongly placed and as soon as a new one was placed in the correct area it immediately started beeping. My gas was ofc condemned and turned off and has now been repaired. However its likely by boiler was leaking CO into my flat for anything upto 8 years! i have oddly enough been suffering with occasional attacks of breathlessness on several occasions the last 3 years or so which i or my doctor could fathom out. Can i take any action against them? Thanks for reading.
  5. Hi I am on grounds 10, 11 of my tenancy as i have dyspraxia and dyslexia. At times i have had irregular payments due to temporary jobs. I had a payment plan which is meant to be monthly but due to hardship i payed weekly including the arrears, but i asked if this was acceptable if not i would consider changing. they automatically applied for a suspended possession at court on the 21 April this year , are they in breach or wasting the court time or are they correct. I had told the reason I could not make full payments last month due to not receiving a full pay cheque and applied for housing benefit, also i have started a new job and i am in debt as well. Need help
  6. Dear All, I made a formal complaint to my housing assoc. about excessive noise made by one of their cleaners (who cleans the communal stairs in the flats where I live, and who I've asked not to make noise before). When I asked the cleaner to stop making such excessive noise, she was rude toward me and I was a bit shaken up about it. When making my complaint to the housing assoc., they suggested that I complain to the police about the cleaner if I thought they'd been aggressive. I declined and said that I thought it was unnecessary to involve the police and that complaining to them was sufficient. Two days later (today) I have been visited by two police officers, who claimed that the cleaner had now said that it was me who had been aggressive ! They advised me that should she be noisy again not to speak to her directly and to contact the housing assoc. I asked if I was being charged with anything, and they said not. I also asked why it was deemed necessary to send the police, when an email from the housing assoc. would have been sufficient?! I feel utterly intimidated by the whole thing, and believe that the housing assoc. are abusing their power and authority. Can I be arrested/prosecuted for this specious complaint? Anyone know what my rights are? Or if there's anything I can do about this? Best wishes, Milly (worried)
  7. Hi, some time ago we had notification that the housing association who own the house next door were going to remove the existing single dropped kerb between our properties and "give it to next door". I have downloaded a deed plan and property register of my property and the boundry puts the joint access on the housing associations side but the register states A: Property Register This register describes the land and estate comprised in the title. 1 (15.01.2001) The Freehold land shown edged with red on the plan of the above Title filed at the Registry and being (the propertY. 2 (15.01.2001) The Conveyance dated 4 January 2001 referred to in the Charges Register was made pursuant to Part V of the Housing Act 1985 and the land has the benefit of and is subject to such easements as are granted and reserved in the said Deed and the easements and rights specified in paragraph 2 of Schedule 6 of the said Act. 3 (15.01.2001) The Conveyance dated 4 January 2001 referred to above contains provisions as to light or air and boundary structures. Looking at he section of the act it seems to say that I am entitled to the same rights of use I had as when I was a tenant of the local authority. Would this include the dropped kirb and can it be taken away without application to the land registry to alter the deeds of my property.
  8. For the past few months rumors have been circulating that a new 'bailiffs association' was being set up. Rumors were true and the new association was formally launched on 8th December. It is called the Certificated Enforcement Agents Association (CEAA). The Vice President is Andy Coates who has been in the enforcement industry for over 20 years. He has worked for some of the largest enforcement companies and is well known within the enforcement industry given that he owns a large training company and runs training courses for new entrants to the enforcement industry. The President is Dave Rayner from Collect Services. The Press release states that the new group was formed as there was a need for the individual Enforcement Agent to have a 'voice within the industry' at present the only 'association' is CIVEA (The Certificated Enforcement Agents Association) and in the main they represent the enforcement companies (although a small number of individual bailiffs are members). The joining fee is low...just £25....and naturally a lot of bailiffs...including those working in house for local authorities have already signed up. CEAA will continue to provide training course including the Level 2 and 3 in the Taking Control of Goods and Vulnerability Training with the Enforcement Process.
  9. Good Afternoon All. I was really looking for some advice on way's I can move forward with the following situation: My partner, son and I live in a housing association property and pay £870 per month for a 2 bedroom house. As of February 2013 I had to change jobs due to my previous company making redundancies and jumped into the next suitable job for financial security purposes etc. I went from a 30k a year salary to 23k per year and my partner takes home roughly £650 per month as she works part-time due to being the primary carer for our son. Unfortunately as we both have bad poor credit scores we need to use payday loans to help us get throught the month but now are in a situation where we are taking them out to help with living and the cost of rent! Each month we are needing to pay back the previous loan and take out another one and the amount with interest has gradually increased as we have needed slightly more each month as we are loosing a lot of money in interest. The problem we have now is that the maximum loan I can take out just about covers the rent but we'll have nothing else to live off of for the month. I'm not too sure what to do with this one, I don't want to get into rent arrears or have a payday loan we can't pay back, especially as I can't imagine them being that flexible. Is there any support or advice out there to help manage housing association rental arrears as I don't see any other solution to get us through the month then to pay less on the rent? Unfortunatly there isn't anyone we could ask to burrow the money from. Thank you for your time.
  10. Hi, I don't know really what I can expect to achieve however the basic gist is that my mother and myself are currently on the council waiting list for a more suitable property for her needs without going into detail this would be a single story 1st floor property preferably a Bungalow or House with a downstairs loo which could be converted into a bathroom. Having spent months eagerly awaiting new properties to be added to the list of available housing each week (and then registering an interest in the ones which appear to be suitable) we have observed a worrying number of the most suitable properties are not available to for us to register an interest as they are being let under a new government scheme which allows the housing association to charge up to 80% of the retail market value, because of this they also implement other caveats such as employment & minimum earnings etc. Now our feeling is that the housing association should not be letting Bungalow's or smaller property under this scheme, surely these types of property should be set aside for the elderly or tenants who have long term medical conditions making other property unsuitable? My understanding is that this scheme was devised to allow housing associations to garner more revenue to then pump back into building new homes, however surely they should then be focusing on large family homes to rent under this scheme? As then their is a higher likelihood that those types of tenants will be able to meet the higher rents and minimum earning stipulations written into the tenancy agreement... Can anyone suggest a course of action to take regarding complaints etc. and who we might make traction with on this matter? Many thanks,
  11. Hi My housing association employee wants to take facial photographs of us for their tenancy audit after 38 years of residence. Is this allowed?
  12. Hello, I have a joint AST (with my wife) with a large housing association paying Market Rent - ie we pay a rent equivalent (indeed in excess of) what the private sector would charge. Our deposit was paid at the beginning of the AST, and protected in the mydeposits scheme. We received the prescribed deposit information at the beginning of the AST in May 2012. We have not received any further prescribed information since the beginning of the AST in May 2012. The initial fixed term was 6 months, and we've been on a statutory periodic since November 2012. In January this year I received notice from mydeposits that our deposit in no longer protected by their scheme. I chose to do nothing about this at the time, as I was aware that this made it impossible for the LL to serve a section 21 notice. I have no reason to believe that the LL has taken any action to re-protect the deposit in any scheme. Obviously the LL would have been notified by mydeposits that the deposit was about to be unprotected, but chose not to take the simple action of ticking the check box to ensure the deposit protection continued. I'm now considering bringing the AST to an end, and considering my legal options regarding the return of the deposit, and the 1-3 times penalty. Can anyone confirm that it is now possible to claim for the return of the deposit and compensation via the Small Claims track (my deposit is just under £3K - so a claim for £3K plus the 1-3 times penalty is between £6K and 12K?) post the Jackson reforms implemented last year? Does anyone have any experience of this - I don't want to go down the route of a no-win no fee solicitor (indeed if it is still Part 8 I will hire a decent solicitor).
  13. HI, Sorry But i thought I'd better keep this one separate to the last post as it is a different and slightly more complex problem. Currently My partner, I and our 4 children reside in a 2 bedroom housing association house. We are classed as severely overcrowded and have been on the council list 2 1/2 years waiting for a larger property. The children are Girl 12, Boy 10, Girl 7 and Girl 5. The children share the largest bedroom and we have the smaller bedroom. I met with our local housing officer a couple of weeks ago to address this and our repairs situation. At this meeting I was told that the housing association would not move us into a bigger property as we require a 4 bedroom property and they do not own any of that size. When asked if they could at least move us into a 3 bedroom property I was told that because of the allocations system they would never offer us a larger property! The only way we could move into a 3 bedroom would be if we did a mutual exchange. The problem with this is despite opinion, there is not anyone who wishes to move into a 2 bedroom from a 3 bedroom or 4 bedroom property. Plus with all the repairs required the only person that did show an interest suddenly decided against it and exchanged with someone else! The council have told us we are in the top 5 in the areas we are down for (which with the new system in place at our council covers a quite large area) but we have been in this position for over a year! Is there any way I can legally force the housing association into moving us? Maybe under the housing act? Any help would be gratefully received. Thanks.
  14. HI, I don't very often find myself needing to post on here, but at the moment I'm a bit stuck as to how to proceed with my problems. A quick summary is : I live in a housing association house with my partner and 4 children, pay my rent as I am supposed to but I have a number of rolling repairs that have continued for sometimes years and they have not been fixed/resolved. I will list them : 1. The hot water has not worked since November 2013. We had a new boiler fitted in Feb 13. The heating works as it should but absolutely no hot water. I have asked at least 5 times for them to come and repair it, after each visit I get told that as it is under warranty they will have to contact the manufacturer. Then nothing ever happens about it ! They also say because we have an electric shower it is not a priority as we can still bathe ! 2. The living room window (which is the only window in that room other than the patio doors) has siezed shut. We have asked them to repair or replace this at least 3 times in 2 years, and every time the engineer comes out they say 'oh yes it's siezed shut we shall put in for a new one' and then again nothing happens. 3. The cold water tap in the kitchen, the handle on the tap broke off. Again reported the fault and nothing been done about it. This could be due to me borrowing the hot water tap handle and putting it on the cold to ensure we had running water in the kitchen. 4. The kitchen floor has lino tiles which a few are broken. Have been told that they are not due to replace the kitchen so they will not replace the broken tiles! I know I can report number 4 to environmental health as it is a health and safety issue, but as to the other repairs they wouldn't take any action for as they are out of their remit. Please help as this is driving us crazy !
  15. I received a letter yesterday from Medina Credit chasing monies to the tune of £328.90 for my old property address which I vacated back in July 2011. They did not state what it was for just saying that they are acting on behalf of Mount Green Housing Association regarding an outstanding debt. I cannot understand what it is for as when I was living there nearly 3 years ago I was a single mother with 2 children and on full housing benefit, so I know it's nothing to do with rent arrears. I left my flat clean and tidy, even the tenancy agreement stated that the tenant is to remove all personal possessions and rubbish, which I did. The only thing I left behind was my carpets (which were in good condition). To be honest I physically could not pull up carpets 2 floors up and dispose of, however I do think it's a cheek that the Housing Association have not contacted me in nearly 3 years and passed this straight on to a debt collector. I have emailed the housing association asking for proof of this debt, so I wait for the response but going on past experiences with them they are totally incompetent and make mistakes all the time. I didn't know if there was a time frame to chase money when you vacate a property because 3 years is ridiculous. The housing association have not followed any protocols at all when chasing money, so just wondering where I stand really any help much appreciated
  16. Good afternoon lovely clever helpful folks, We are in a housing association property and do not receive any housing benefit. We have always paid our rent in full on time, however last year when they hiked up the service charge and rent they did not increase my direct debit amount properly. I was unaware of this as my direct debit goes straight out my account and every year when it increases they have always changed the amount automatically. Anyway when I got a letter saying i was in arrears last September i agreed to pay more money on top each month to start paying towards arrears. However this will take forever to pay it off and I wish I had more of a fuss at the time as it was their maladministration as well as my foolishness that resulted in the arrears getting so high. Now I am unable to successfully bid on a bigger property to move to as I am in arrears, even though I am paying it off. Do i have grounds to request that they clear some of my arrears? Thanking you kindly in advance for your advice xxx
  17. Can anyone tell me what is the state of play regarding filing in the county court for damage to credit reputation? Circumstances are: A financial institution listed an association some years ago to a person who is clearly a known debtor, (clear since they left this property some time ago a number of collectors have shown up looking for them). Point being I KNOW I have never a financial association with this person. They company concerned did not reply to my 1st two letters (until I threatened the ICO) then wanted me to call them to discuss this. Ever since then I have had a stream of letters trying to justify their actions but have insisted this is valid data. They however have no records no idea as to why this was originally created as their records don't go back that far. They have also tried to tell me that you can file a notice with the CRA's and associations don't matter anyway,(which is a straight lie, what would be the point of the system anyway?) I have been pushed from pillar to post for 4 months now, they have now referred to letters that have have never been received, but no doubt a filed on their computer systems, for the record, and I have run out of patience with this organisation. I now have two options: File with the ICO, which would grind through their system and remove this association. Take them to the county court. As I see it, I cannot show a negative, if it never happened, how can that be. They would have to show that this entry is valid, but they have no records as to why this was created. Possible downside is that the judge could decide that is my credit reputation is stuffed any way, it didn't matter. Want to remove this as, fairly soon, not only has the bad news dropped of of my credit record, they go Stat Barred anyway. Grrrrrrrrrrrr David
  18. A friend is a secure tenant renting from a housing association. In 2006 the landlords decided to extend their existing communal aerial scheme to include the maisonette in which she lived. There had never been one before and she was adamant she didnt want it as she knew her loft aerial was working well on analogue and digital. The landlord had claimed to be trying to ensure tenants in residential blocks would not lose reception come digital switchover. The service charge was for the 'Tv connection point and the landlord has continued adding the weekl;y amount to her arrears despite the amenity not being there . There simply isnt a connection point in the dwelling. All there is an aerial on the roof and a roll of cable which could be eventually ran into the building and the connection plate fitted then. The landlord issued notices of intent to possess in /2010/2011/2012 but didnt take it to court and in December 2012 wrote a letter claiming to have already issued possession proceedings which turned out not to have been done. In Nov 2013 they issued proceedings I am wondering whether the landlord is entitled to make a claim to arrears for a 'service' called the 'tv connection point' when it hasnt been installed Also whether the landlords 6 years of apparent noise and bluffing (including claiming a year ago that the proceedings had been issued when they hadnt) amounts to such acquisence in reality that my friend can claim estoppel ? The landlord has not been consistent/sincere so far in terms of gestures towards enforcement and the 'defendant' could hardly be expected to have taken them seriously. Could she potentially claim (counter claim) for harassment The interesting dimension is that she maintains in an y event that the advice to government pre digital switchover was that few people would need a new aerial. The landlord didnt conduct any testing and she says that this means all tenants forced to have a communal aerial who werent previously in such a scheme have almost certainly been paying for nothing, the 'service' being of no amenity value as existing aerials were doing and would continue to do the job The landlord has ignored all such representations and seems to be at least maintaining intention to proceed with the possession proceedings I'm a little concerned that the courts deal with these possession rent arrears cases like a conveyor belt and wonder how the judge might receive such arguments especially from an unrepresented litigant in person Any advice on any of the above would be appreciated
  19. I have a problem with my housing association and I don't know quite where to turn. So I am posting here.I live in a small block of flats run by my housing association,also known as housing trust. I live on the ground floor and there are two flats on the ground floor,my flat and my next door neighbors. My situation is this,for the past 2 weeks now,we have had no light on the ground floor in the communal hall in our block because my housing association won't fix it. I telephoned my housing association customer services or repairs department as it is called on 17th June. I reported the repair to them. My HA told me that they would send an electrician round to fix the light. But they did not send anyone round and the repair and I have been phoning them every day for the past 2 weeks telling them that I and the other tenants have NO LIGHT in our communal hall downstairs. But still they have not fixed it. So last Tuesday I went in person myself to the office of my housing association in London and saw in person who I think was the duty housing officer. I told her we have no light in our communal hall and no one has been round to fix it. She said the HA would phone me and let me know when they were coming round. But when I got home I found that nobody from my HA had phoned. So the next day,I phoned my HA again and made a complaint. The woman I spoke to said that an electrician would be round on Friday(last Friday) but again nobody turned up. So yesterday,Monday I made another complaint to my housing association and this time they told me they would be round yesterday. But you guessed it,nobody from my HA has showed up,the repair has not been done. So I and my next door neighbor have now been without lighting in our communal have in our block for over 2 weeks and the housing trust won't fix. I have tried everything I can to resolve this I have phoned my HA,I have been to the office,I have complained to the HA manager but they still won't fix that light. they keep on saying they are sending someone round but they don't turn up to fix and we still have NO Light in our communal hall. Another problem is that my next door neighbors opposite me don't speak much English,so I cannot communicate with them.Also they have not complained,I am the only one who reported the repair.Though that's not the point as it has been 2 weeks and we haveno light in the hall for 2 weeks.So where do I go from here? should I now go to Environmental Health also known as public protection at my local council? as I heard that they can force my HA to do the repair.Can anybody help.
  20. I heard someone from this association on Radio 4 this morning. There's nothing on their website and the podcast isn't up yet, but I'll post it when it is. I'm not quite clear what they do, but it seems to involve supporting patients who are having trouble getting the treatment they want, or who are getting nowhere with complaints against a hospital. And I think greater transparency was mentioned. http://www.patients-association.com/Default.aspx?tabid=41 HB
  21. I was until a month ago a tenant with a local housing association and had been for many many years and never not once did I owe them a penny in outstanding rent In fact I was always in credit I went through a mutual exchange a month ago (due to bedroom tax issues) and I am now with a new housing association. My old H.A owes me in excess of £400 in overpaid rent.They have admitted this twice on the phone and say its going through their "system" that was a month ago and every time I ring them they promise to ring me back and never do. They have said that they cant just pay me what they owe until they check if I owe outstanding rent or any outstanding charges for repairs? When you go through a mutual exchange.There is a long list of rules and being up to date with your rent and having no outstanding repairs are two of them. They are clearly dragging their feet and I am becoming a nuisance with the constant enquiries. I am on employment support and cant afford to lose this money.. I have allocated it to pay an outstanding council tax bill . What do I do now.I am so cross.If I owed them any money they would be on my case with nasty letters straight away Any help or advise would be appreciated.
  22. hi didnt know where to ask for some advice my issue is. i live in home a new build 2 years old that came with a garden shed .. now a window in the shed was smashed by local kids and i called my housing association to have it repaired which they wont, they say it was gifted to me when i moved in. which is fine its of very poor quality and i would gladly replace it with a better one. but they informed me i cant remove it as its their property, yet they wont do any repairs now its worse for wear due to all the snow we had etc so any idea what i can do .. the thing is cheap and frankly crap yet i cant remove it and they wont fix it ..i am not fixing it as that would be just throwing money away ..they claim ownership of it yet wont maintain it so my hands are tied till the roof collapses. i contacted my local council but they can only deal with private landlords not housing associations
  23. Hello, I think this is the right place for this slightly oddball problem. I am a member of a trade association, a local association but with broader implications. I'm a member primarily because being so is more or less the only way to be allocated work in my chosen part-time field. The association acts like a clearing house where organisations that require the services of people such as me give the vacancies to the association. It then "allocates" jobs to it's members in a manner decided by "the committee". The association, in my opinion, is a monopsony, belonging to it is the only way of getting work. It's also very cliquey - if your face fits you get the better appointments; annoy the "committee" and you may as well be dead. That's the preamble, now my problem: Over recent years I've had a few spats with them where I've berated them for poor organisation, unfair work allocation, etc. There has also been the odd occasion where I've confidentially informed the association of problems with a client employer and they've breached confidence by putting my concerns to the employer as though it was a complaint by me, which it wasn't. I've then been unfairly blamed for fallout between the association and the employer. In January they emailed me stating that due to my "attitude" I would not be given any more jobs. I emailed the chairman querying this decision and asking for reasons. The chairman, following my discussion with him, capitulated and said that I would be offered jobs. A week later I received a letter telling me I had to attend a disciplinary hearing citing untrue vague allegations, nothing specific - it's this coming Friday. Up to now I have no information about exactly what issue or issues they hold against me. I asked that copies of any documents or other evidence that the hearing would refer as well as specific details of the "charges" to be given to me by 14th February. Nothing has appeared. Yesterday I emailed again stating that I had heard nothing. I've had no reply at all. In my opinion it's grossly unfair to expect me to attend a hearing blind and then to be able to answer whatever complaints they have against me and I'm thinking of telling them that I'll not attend on that basis. However, that may be counter-productive for me. Does anyone have any experience in this sort of thing? Where do I stand legally? etc. What's best for me to do? I'm really feeling picked-on and badly treated here but I'm floundering to know what to do. If they give me no work then I'm going to be several hundred pounds out of pocket. I will also lose touch with this particular work environment which would be detrimental for my future prospects. I have done nothing wrong and I have no idea what they are going to accuse me of. Can anyone offer me any advice please?
  24. I'm not entirely sure of my rights so thought I would ask on here. We have been in our flat since July 2011. Last winter we reported issues with the windows as they are very draughty and cold air just pours in through them. As we live in one of the highest places in our town the wind can become rather blowy. On windy days the curtains billow with every gust. My living room and my son's bedroom are the worst. In fact, it can reach 10 degrees or less in his room overnight and that is with the heating ON. The housing association did nothing. They sent someone round who said there was nothing they could do as the windows are old. The main problem with them is that the windows open inwards so when the wind hits them it can push them open just enough to let all that freezing air in to the flat. We had 70mph gusts last night, the wind was blowing through my living room, my boys room hit 8 degrees and it was extremely cold. Remember, I have the heating on. Which, I know, is pointless and a complete waste of money. Now, should the housing association do something about it? They work alongside the council to provide council accommodation so, in effect, we are council tenants. Not sure if that makes a difference.
  25. Obviously they had to change it due to a significant number of DCA's being in breach of CPUTR2008. Lowells Head Of Compliance - Sarah De Tute (who is also President Of The CSA) probably instigated this as they rarely complied with the old code..... - http://www.csa-uk.com/media/editor/file/CSA%20Code%20of%20Practice%281%29.pdf Certainly they omitted the points they had no hope of complying with namely a) Conduct its business lawfully, comply with all relevant UK legislation, regulation and judicial decisions and trade fairly and responsibly. Comply with debt collection Guidance as Published by the Office of Fair Trading b) Adhere to all relevant requirements under the Consumer Credit Act 2006 and any other relevant legislation.
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