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    • This is the other sign  parking sign 1a.pdf
    • 4 means that they need to name and then tell the people who will be affected that there has been an application made, what the application relates to (specificially "whether it relates to the exercise of the court’s jurisdiction in relation to P’s property and affairs, or P’s personal welfare, or to both) and what this application contains (i.e what order they want made as a result of it) 5 just means that teh court think it is important that the relevant people are notified 7 means that the court need more information to make the application, hence they have then made the order of paragraph 1 which requires the applicant to do more - this means the court can't make a decision with the current information, and need more, hence paragraph one of the order is for the applicant to do more. paragraph 3 of the order gives you the ability to have it set aside, although if it was made in january you are very late. Were you notiifed of the application or not?    
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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...
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how much a default affects your credit score


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After Watching The Tonight Program With Martin Lewis, A Bit Of Help Needed For

 

General Interest

 

All Those Who Have Challenged A Default And Got It Removed,

How Much Was Your Credit Score Before With The Default And Afterwards With The Default Gone.

Thats Not Satisfied, Totally Deleated.

 

This Is For Only One Default

 

Meny Thanks

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A single default will trash you credit rating for years! (up to 6 years after default date). It does not matter how many defaults, so as long there is one! It is highly recommended for anyone who have a single default but the rest of credit file spotless, to get it removed!

 

Even with a default satisfied, it would not improve the credit score...the only way to improve the credit score would to remove the offending default...

 

Extremely unfair i know, but that how the system work.

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Just as bad as a CCJ if not worse.

IVA Entry Removed

Nationwide Default Removed

Nationwide Joint Account Default Removed

Natwest Default Removed

Blackhorse Car Finance Court Claim - Won

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Even 1 default is badddd news!

 

My credit score was 900 with a default for a mobile phone bill of £17 (disputed).

 

After passing initial credit checks with flying colours I was refused a mortgage with both Abbey National and Birmingham Midshires because of this 1 default.

 

My advice would be to get it removed asap.

 

Helen

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meant to say doesnt really matter what your actual credit score is. My experian score was 900, which ordinarily would be considered a good (almost excellent) score. But once the potential lenders saw that red default - that was it, even though it was only for £17, my excellent payment record with everyone else counted for nothing!

 

Helen

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I agree, even one Default, bad news!!!

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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meant to say doesnt really matter what your actual credit score is. My experian score was 900, which ordinarily would be considered a good (almost excellent) score. But once the potential lenders saw that red default - that was it, even though it was only for £17, my excellent payment record with everyone else counted for nothing!

 

Helen

 

On the same thread, anyone got any suggestions where I go from here?

 

Default registered by Lowells 2005.

 

Sent "prove it" letter to Buchanan Clark & Wells back in Nov.

 

Got a reply back in Dec saying clients would forward the information requested.

 

Heard nothing until last month when Red started chasing for money again, coincidentally? after I had been refused mortgages.

 

Have had 2 letters in last 2 weeks and they have ignored my email telling them lowell are fully aware the account is in dispute.

 

Also offered to pay "as a gesture of goodwill" if they agreed in writing to remove the dispute, but no response - just another automated "Red" letter chasing the debt.

 

Have been very complacent up until now cos I "thought" I had a "good" credit score. Dfferent matter now I've been refused mortgages and might lose my house! Should i complain to OFT cos they haven't sent any evidence and are still chasing it?

 

Many thanks

 

Helen

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wow, I didnt realise that 1 default was as bad as several - I have one ccj which I deserved but 2 defaults from 3g that are completely wrong, so are you saying that even if I get the 2 3g defaults removed, it wont improve my rating because I still have the ccj and if so, is there any possible way of getting rid of a ccj?

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You have to have an extremely good valid reason to have a CCJ set aside. You have to apply to the county court using form N244 for the judge to then consider it.

 

As for experians credit scores which they make you pay for remember it is only a guide they are charging you for. Each company has its own acceptance criteria so experian making you think you have a great score might not mean squiddley to other comapnies.

IVA Entry Removed

Nationwide Default Removed

Nationwide Joint Account Default Removed

Natwest Default Removed

Blackhorse Car Finance Court Claim - Won

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  • 1 month later...

well, this is bizarre! I have a CCJ, I havent paid that CCJ, the company regard it as written off debt - but small company and hey, they would quite like it to get paid if it was possible - they also know the CCJ isnt worth much towards getting it paid the bailiff would cost them more and I'd argue that I dont have any assets. So, I say to them I'll pay it (plus a bit for their trouble) if they wont challenge my application to the court to set it aside, they agree because it means they get paid and I have a clean credit file.

 

Now if I'd satisfied that CCJ, they wouldnt have any incentive to be so co-operative, so if I'd done the "responsible" thing, I'd be worse off for 6 years.

 

The system is wrong

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A single default will trash you credit rating for years! (up to 6 years after default date). It does not matter how many defaults, so as long there is one! It is highly recommended for anyone who have a single default but the rest of credit file spotless, to get it removed!

 

Even with a default satisfied, it would not improve the credit score...the only way to improve the credit score would to remove the offending default...

 

Extremely unfair i know, but that how the system work.

 

I waited until my Crap One default dropped off my file in 2006 before I even considered applying for a mortgage. This was my one and only default left on my experian credit file.

 

My credit score was mid 700's with the default in place. When it left my file, my score went into the high 800's and is now in the mid 900's :grin:

 

Got the mortgage as well no problem when I applied for it after crap one left my credit file. :D

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  • 2 years later...

My current credit score is 876 - but realistically it should in the 900's. Yesterday I spotted my only 2 defaults, and they were from last year on my Experian credit report and immediately went into Natwest to have them removed. They really shouldn't have been there. IT PAYS TO CHECK and it pays to have them removed.Last year when Natwest changed over to the £5 per day unauthorised overdraft system I happened to be away for 3 months and when I got back I was horrified to discover my account £700 in arrears, which included the daily rate of £5 per day plus charges for not using the account (because I was away)- anyway I immediately phoned them and told them the problem and they agreed to wipe the charges away for a fee of around £360...which I paid and they promised no defaults would occur on the account. Sadly it took me almost a year to discover that they certainly HAD DEFAULTED ME. Two months in a row! I even had a small personal loan rejected recently which kind of spurred me on to actually check and pay the £12 for the credit report - well worth it I tell you if this can be avoided! Unbelievable. However to cut a long story short - I am also very very curious as to how much my credit rating will improve in the month or so from 876 - it will take the credit report people around a month to re-register the new account details with an improved score (hopefully).

Watch this space.

BANKING

Halifax - £428.43 - successful claim

Halifax PPI - £380 - successful claim

NatWest - £2853 - Successful Claim

Barclaycard - £663 - Successful Claim

Barclaycard PPI - £360 - Successful Claim

 

RETAIL

Lastminute.com - £190 - Successful Claim

Benson For Beds - £49 - Successful Claim

Santander - £420 - Successful claim to have iMac repaired under Section 75 Consumer Credit Act (Retailer went bust)

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Wether your ''score'' imporoves or not will depend on how the

rest of your accounts are managed, the number of credit apps

you make.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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The credit scores sold by CRA's are just a guide as to where you stand in the credit structure. Each company has their own criteria they request you meet regardless of what the CRA's say your score is. For example you apply for a loan with a so called score of 900 say one company rejects you another company accepts you. It is all down to as said before the criteria set by the individual company.Granted credit scores give you an indication of what your worthiness is like but why pay the CRA's extra to find this out? Surely you can see from looking at your credit report what may and may not go for/against any applications you may make!

IVA Entry Removed

Nationwide Default Removed

Nationwide Joint Account Default Removed

Natwest Default Removed

Blackhorse Car Finance Court Claim - Won

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  • 2 weeks later...

My score went up 51 points in the last week since having a late payment default removed!

BANKING

Halifax - £428.43 - successful claim

Halifax PPI - £380 - successful claim

NatWest - £2853 - Successful Claim

Barclaycard - £663 - Successful Claim

Barclaycard PPI - £360 - Successful Claim

 

RETAIL

Lastminute.com - £190 - Successful Claim

Benson For Beds - £49 - Successful Claim

Santander - £420 - Successful claim to have iMac repaired under Section 75 Consumer Credit Act (Retailer went bust)

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Maybe so but it remains a day to day reference for

the individual, the credit scoring systems used by

major lenders is vastly different from what you see

which is an ''indication only'' s to how an application

may be viewed.

I have said before I have seen a guy with ''excellent ratings''

refused a small secured loan.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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the credit scoring systems used by

major lenders is vastly different from what you see

which is an ''indication only'' s to how an application

may be viewed.

 

Surely with something as important as your ability to receive credit, a person should be privy to that information?

 

What I am getting at here is that if there is something stopping a person from obtaining a bank loan, yet the person has jumped through all the necessary hoops and obtained the necessary good credit history, and the guy has a good credit rating and there is no way of obtaining WHY he failed through the regular channels then you can't rule out some kind of discrimination, because the basic law of discrimination means that if you have 2 people with equal skills and equal ability, treating one person favourably over the other and not making it clear why you are treating the other person unfavourably is discriminatory in the eyes of the law.

Yes, no? Surely banks need to disclose this private information - the reasons for failing people with good credit scores - because surely it would open them up to lawsuits for discrimination...also brings the whole 'black-list' (another illegal practise) question to mind.

BANKING

Halifax - £428.43 - successful claim

Halifax PPI - £380 - successful claim

NatWest - £2853 - Successful Claim

Barclaycard - £663 - Successful Claim

Barclaycard PPI - £360 - Successful Claim

 

RETAIL

Lastminute.com - £190 - Successful Claim

Benson For Beds - £49 - Successful Claim

Santander - £420 - Successful claim to have iMac repaired under Section 75 Consumer Credit Act (Retailer went bust)

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You are right, and IMHO (and I have said this time and again) the credit reference agences are not fit for purpose, they have probably done immesurable damage to our countries financial situation and are preventing a recovery by not allowing people the chance to pick up again.

 

The banks are their own worse enemies in this.

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