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    • Hi, In my last post I mentioned I had received an email from SS who were asking me to hand over the keys to my mother’s flat so they could pass them to the Law firm who have been appointed court of protection to access, secure and insure my mother’s property.  Feeling this, all quickly getting out of my hands I emailed ss requesting proof of this. I HAVEN’T HEARD BACK FROM SS.  Yesterday, I received an email (with attached court of protection order) from the Law Firm confirming this was correct (please see below a copy of this).  After reading the court of protection order I do have some concerns about it:   (a)   I only found out yesterday, the Law firm had been appointed by the court back in January.  Up until now, I have not received any notification regarding this.  (b)   Section 2   - States I am estranged from my mother.  This is NOT CORRECT    The only reason I stepped back from my mother was to protect myself from the guy (groomer) who had befriended her & was very aggressive towards me & because of my mother’s dementia she had become aggressive also.  I constantly tried to warned SS about this guy's manipulative behaviour towards my mother and his increasing aggressiveness towards me (as mentioned in previous posts).  Each time I was ignored.  Instead, SS encouraged his involvement with my mother – including him in her care plans and mental health assessments.   I was literally pushed out because I feared him and my mother’s increasing aggression towards me. Up until I stepped back, I had always looked after my mother and since her admission to the care home, I visit regularly.   .(c)    Sections -  4, 5 and 7  I am struggling to understand these as I don’t have a legal background.  I was wondering if there is anyone who might be able to explain what they mean.  It’s been a horrendous situation where I had to walk away from my mother at her most vulnerable because of; ss (not helping), scammer and groomer. I have no legal background, nor experience in highly manipulative people or an understanding of how the SS system operates, finding myself isolated, scared and powerless to the point I haven’t collected my personal belongings and items for my mother’s room in the care home.  Sadly, the court has only had heard one version of this story SS’s, and based their decision on that. My mother’s situation and the experience I have gone through could happen to anyone who has a vulnerable parent.    If anyone any thoughts on this much appreciated.  Thank you. ______________________________________________________  (Below is the Court of Protection Order)  COURT OF PROTECTION                                                                                                                                                                                   No xxx  MENTAL CAPACITY ACT 2005 In the matter of Name xxx ORDER Made by  Depty District Judge At xxx Made on xxx Issued on 18 January 2024  WHEREAS  1.     xxx Solicitors, Address xxx  ("Applicant”) has applied for an order under the Mental Capacity Act 2005.  2.     The Court notes (my mother) is said to be estranged from all her three children and only one, (me) has been notified.  3.     (Me) was previously appointed as Atorney for Property and Affairs for (my mother).  The Exhibity NAJ at (date) refers to (me) and all replacement Attorneys are now officially standing down.  4.     Pursuant to Rule 9.10 of the Court of Protection Rules 2017 and Practice Direction 9B the Applicant 2must seek to identify at least three persons who are likely to have an interest in being notified that an application has been issues.”  The children of (my mother), and any other appointed attorneys are likely to have an interest in the application, because of the nature of relationship to (my mother).  5.     The Court considers that the notification requirements are an important safeguard for the person in respect of whom an order is sought.  6.     The Court notes that it is said that the local authority no longer has access to (my mother’s) Property.  7.     Further information is required for the Court to determine the application.  IT IS ORDERED THAT  Within 28 days of the issue date this order, the Applicant shall file a form COP24 witness statement confirming that the other children of (my mother) and any replacement attorneys have been notified of the application and shall confirm their name, address, and date upon which those persons were notified.  If the Applicant wishes the Court to dispense with any further notification, they should file a COP9 and COP24 explaining, what steps (if any) have been taken to attempt notification and why notification should be dispensed with.   Pending the determination of the application to appoint a deputy for (my mother), the Applicant is authorised to take such steps as are proportionate and necessary to access, secure and insure the house and property of (my mother).   This order was made without a hearing and without notice.  Any person affected by this order may apply within 21 days of the date on which the order was served to have the order set aside or varied pursuant to Rule 13.4 of the Court of Protection Rules 2017 (“the Rules”).  Such application must be made on Form COP9 and in accordance with Part 10 Rules.              
    • Unless I've got an incorrect copy of the relevant regulation: The PCN is only deemed to have arrived two days after dispatch "unless the contrary is proved" in which case date of delivery does matter (not just date of posting) and I would like clarification of the required standard of proof. It seems perhaps this hasn't been tested. Since post is now barcoded for the Post Office's own tracking purposes perhaps there is some way I can get that evidence from the Post Office...
    • I would say You should accept it - I HIGHLY doubt you will  be able to claim for letters at trial ans they’re offering you that, which is higher monetary value than interest.   Also they raise a good point, getting interest at anything above 4% is lucky these days, yes judges give it, but rarily above 4%   Also you might find depending on the judge  you don’t get some costs if you take it all the way over £7.40 when court woukdnt award letters costs and thus meaning their award would be less than evris offer which was made    Up to you though but the wait will be 3-4mo for a trial date at least
    • Hi Folks, Been 162 days! Just by way of update. Today I received a text from Opos Ltd so no doubt Capquest are renting the debt out to anybody who fancies a nibble. Safe to say I will not be responding.
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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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Credit check by letting agents?!


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Guest Alison82

Can a letting Agent (sole agent) do a credit check? Are they able to go into your file and see whats what or do they look at you score?

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i have just had mine done through a leeting agent called lets xl!!

they have charged my g/f and i £50 each for a £2 credit check!!!

Halifax

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Citi Card

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Guest Alison82

Do they get to see everthing, it's just thst I have 2 defaults that I am currently in the process or arging and I don't want these to ruin my chances, will these be a major problem?

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they will use either experian, equifax or call credit!

and yes they will see everything on your report!

i have a ccj showing that was settled last year and i got turned down by lets xl so had to get a guarntor to sign with me!

if you tell them you have bad credit before they do the checks they will be ok about it!

just you might need a gurantor!!

 

hope this helps and keep us informed!!

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Does the guarantor have to agree to a credit check?

First letter to halifax sent rec del 26/4

Data Protection Act letter to capital one sent rec del 26/4

Halifax 1st offer dated 5/5

Capital One ack Data Protection Act request rec 6/5

Request for repayment to Capital One 2/8

LBA sent 22/8

Court proceedings issued 13/10

Settled in Full 9/11

Donation made 14/11

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Does the guarantor have to agree to a credit check?

 

mine didnt through lets xl.

they just had to be on electrol role and earn three and a half times the rent!

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Guest Alison82

Just soke to the letting guy, expalianed the situation, he said it was ok, it was just ccj and court orders they were worried about, a default is nothing for them to worry about; which has put my mind at rest

 

thanks

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Last time I had a problem and admitted to a CCJ I got turned down for the flat I wanted, when it came up again 6 months later I reapplied and declined to tell them about the CCJ I thought stuff em let a credit check spot it and I got the place they did do the credit check but still let me have the flat

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  • 2 weeks later...

it costs around £17.50 for an online credit check. the £2 check is the paper version u get sent to your home address.

ditto what everyone else says, just tell them first they are usually ok with it.

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No one can lodge a search of your credit file without you giving them permission as any searches stay on your file.If anyone has searched without you giving them permission then point it out to them straight away and demand they get the search removed.

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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Guest NATTIE

My understanding of letting agents is that they write to the bank with your consent to ask whether you are creditworthy for a payment of x amount per week/month. I don't know their terminology but ours is status enquiry which costs £8.50.

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Maybe with consent , but a previous poster said it was done without consent

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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A Letting Agent can do both a status enquiry to your bank and a credit search as long as they have your permission to do so.

 

A bank will then charge you about £8-10 for the pleasure of a status enquiry.. The credit search normally costs the agent around £10.

 

The credit search can be a non registered search and thus does not effect any credit rating.

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  • 2 weeks later...
Guest Alison82

Quick question,

 

2 friends and I have just rented a flat, one of us wasn’t present when we were signing the contract last week and they haven’t arranged a time for her to sign her bit.

 

There are some things that need to be fixed in the flat such as a large pane of broken glass.

 

Is our contact valid if the 3 rd tenant hasn’t signed (it was rented as a 3 bedroom flat not room by room and she has signed a holding fee form about a month ago so that is proof that there is a 3rd tenant)

 

Any thoughts??

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Guest Alison82

Yes we have, there are lots of other little thinhg but they are putting it off, we wanted to see the place again before we moved in but they kept coming up with excuses like "the builder has the keys" for 2 weeks.

 

I just wanted to know, in case we had to consider saying that if he dosn't fix these things pronto then we will be leaving (but only if it turns out the contact is not valid until all 3 sign) we don't want to leave but he doesn't know that.

 

This glass is so dangerous if someone leans on it without realsing the will fall 5 floors!

 

Any thoughts?

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I would put it in writing to the Landlord, stating that it is unsafe and dangerous.

There is an authority to report to, Not sure who it is. They are like the HEalth & Safety Exec type of authority.

Try phoning Citizzens Advice, They will point you to the relevent authority

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The Landlords and Tenants Act 1985, Section 116(4) covers the landlords obligation to repairs. I would suggest that you write to the landlord and give him a reasonable deadline to have repairs carried out. Also state that if he fails to do this you will have the repair carried out by your own contractor and make payment from rental due to him and forward the invoice/receipt once received.

 

With regards to only 2 signatures on the agreement. I would suspect if you have an Assured Shorthold then you are "jointly and severally liable". You will still have a valid tenancy however the sticky point for you or the Landlord would be if he needed to take legal action against you. For example if your flatmate fails to pay rental and causes damage the Landlord will probably only proceed against the two who have signed - Basically it's you who is at risk of taking the brunt of any action caused by your flatmate who has not signed.

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Guest Alison82

With regards to only 2 signatures on the agreement. I would suspect if you have an Assured Shorthold then you are "jointly and severally liable". You will still have a valid tenancy however the sticky point for you or the Landlord would be if he needed to take legal action against you. For example if your flatmate fails to pay rental and causes damage the Landlord will probably only proceed against the two who have signed - Basically it's you who is at risk of taking the brunt of any action caused by your flatmate who has not signed.

 

 

Did think of it like that!! I better hurry the process along then!! It's not that he is not going to fix the glass he is just taking ages about it

 

Thanks

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