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    • These are the photos of the signs. At the entrance there is a 7h free sign. On some bays there is a permit sign.  Also their official website is misleading as it implies all parking is free.  I can't be certain of the exact parking bay I was in that day, and there was no PCN ticket on my car and no other evidence was provided.  parking sign 2.pdf
    • 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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Swinton / LFS Collection Services


detjo
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Im just wanting opinions here, really. I have done a search on CAG and the web and cant really find anything confirming my suspcions.

 

So here goes, the long way round ...

 

I took out car insurance with Swinton and after about 4 months, cancelled it - due to car being off road for a while.

I had paid everything upto the last months installment and, now, a £50 cancellation fee.

 

Having just moved and seeking another job, i didnt have enough money to pay Swinton at the time of cancellation. I told them this and said they would get the money soon as i got it - i wasnt trying to avoid payment altogether!

About a month later i got a letter from LFS Collection Services saying they were collecting on behalf of Swinton .. and all the usual - have to pay, CCJ, Law Court, increased fees etc etc.

I phoned LFS (16/7/2010) and told them i would pay them in a couple weeks (30/7/2010) when i had the money - they were semi ok about it, but she wasnt impressed!

 

I was all prepared to pay ... and then something happened that got me thinking.

I got a 'Parking Services Charge' from MET Parking Services for parking in McD's car park for too long. Having seen some info on here about it and the Watchdog video, i can safely file that one in the upstairs WC :-)

But then i thought .. if a private company cant legally claim/issue such charges, can LFS?

 

I phoned Swinton and asked them if i could pay them direct and the guy on the phone said "You can phone the branch where you took the insurance out and pay them only what you owe them, but to be honest, Swinton have already wiped off the debt!"

 

Hmm, that's interesting!

If i owe anyone, it's Swinton, but they have wiped off the debt. Therefore, surely i can tell LFS to take a jump? After all, are they, now, not trying to claim something that no longer exists?

 

What say you?

- - - - - - - - - - - - - - - - - - - -

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detjo

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I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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Hi Hardupnotfedup

 

Thanks for your help.

I dont understand why i would send that to LFS, when i know i owed Swinton the money (did, until they 'wiped off the debt' )

Am i missing something?

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You are asking LFS to prove that you owe THEM money forget Swinton.

In the letter where you put the company name put LFS.

If I wrote to you out of the blue demanding money would you just pay me, no you wouldn't. Same applies to these cretins

I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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  • 5 weeks later...
  • 8 months later...

OK an old thread. That is quite intresting. Under similar circumstances, I cancelled my insurance with Swinton (as the car had died- literally). Swinton were a bit miffed that I was cancelling the policy- even though I had no car to insure; I informed them that I was self-employed, and much work has been cut back- so needed to tighten my belt financially. They began to reel off cancellation charges, additional admin charges etc. I explained that I did not mind paying for what I actually owed (I think it was about 7 days insurance outstanding- not much). But I was informed that I had to pay the £50 admin/cancellation charge- when asked to jusitfy it; the reply I got was "It's our charge". So- I sent them a cheque with covering letter for the outstanding weeks insurance (that cleared). About 2 weeks later I recieve a text message threatening court action if I didn't call LFS Collection and settle outsanding debts. So I called LFS- they informed me that there was no debt showing on my account and then apologised- explaining it was an error, and wrong number - so told to forget about it. A bit of a coincidence really- saying what did happen with Swinton in the first place. Since the initial conversation with Swinton back in April; I have recieved no further letter or contact, nor anything from LFS. Incidentally- LFS aren't actually an independent collection agency- they are the Swinton Insurance "Collections Department" though under a different banner- perhaps to make it sound more serious. BT collections did this and sent out letters in the same style as their BT letters- bit of a give away really.

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Swinton/LFS..... make me laugh.

 

Over 2yrs ago i put my old car as sorn.... i was gonna MOT before xmas. Swinton called Insurance was up, i explained i was hoping to MOT in 4weeks. Girl advised me price would be higher. So for a policy of £222, i paid £84. 2 weeks later, i discovered Immobiliser was knackered, and cost to fix over £300. i scrapped car, and called to cancel, only to be told they wanted £74 for cancellation...

 

SO for 2 weeks in total they wanted £158,,,, ha no chance. i knew i would never get the £84 back, but told them no chance..... for about 18mths i got various letters from Swinton and LFS, and on all occassions i rang and said i was disputing, to be met with, you have disputed on the same grounds before, and the bill is due.....

 

I never paid, and 30months i never will pay it.

 

Il also never use them again......

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The intresting thing is- prior to my insurance running out in April; I didn't receive any contact regarding a renewal until about 3 or 4 days before the policy ended (not useful as the car had died a day or so before)- and when it did drop through the door- with massive 40% increase on the top of last years premium; and worded pretty much as "Thanks for signing up with us".... I phoned them up. I explained that the quote they had provided was way too expensive; I couldn't afford it- and with work what it is; I couldn't predict when / what work would be coming in (That's the British Film Industry for you). The girl explained that the 40% rise was justified because they had to recoup costs for all of those undesireables who drive around uninsured and make false claims... Now correct me if I am wrong; there are numerous programmes on TV (across all channels) that follow numerous police forces, traffic police, motorway police, interpol, fashion police etc- they show how easy it is to pick up, fine, and seize vehicals from those uninsured. Where do the fines go? Secondly- insurers get a referral fee for every accident they refer to a claims company too. Nothing like having bread buttered on both sides is there? I told all this to the girl at Swinton- who was speechless, and just replied with "We need to make a profit too".... well there is profit, and huge profits. I then asked to cancel my policy and explained that the car had died- to be greeted with "Ahh yes, that'll be £50 admin charges" too.So I asked to justify the £50- which she couldn't, other than "That's our charge". So I threatened to invoice Swinton for my time (90mins on the phone), the phone call- being self employed, my time is money! I should have let my car insurance just run out for the sake of a few days. But at the end of the day was just keeping paperwork and such up to date- the authorities are hot on paperwork!!!

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  • 8 months later...
Swinton/LFS..... make me laugh.

Hi, just wanted to know how this situation resolved itself??? I too have received a letter from LFS on behalf of Swinton for a bill for £50 their cancellation charge. I purchased a new car and the insurance company I was with wouldn't cover my new car and so cancelled my policy. I was informed by Swinton that the £50 cancellation fee was due but if I took another policy our with them then it would be waived...however the new quote they gave me was more than double what I eventually got it for with another company!!!! I feel really aggrieved and do not want to pay this bill but can't become embroiled in CCJ's etc ?? I also notice that the letter from LFS has the same signature as the letter sent a couple of weeks ago from Swinton debt collection...... Any thoughts please ??...

 

 

Over 2yrs ago i put my old car as sorn.... i was gonna MOT before xmas. Swinton called Insurance was up, i explained i was hoping to MOT in 4weeks. Girl advised me price would be higher. So for a policy of £222, i paid £84. 2 weeks later, i discovered Immobiliser was knackered, and cost to fix over £300. i scrapped car, and called to cancel, only to be told they wanted £74 for cancellation...

 

 

 

SO for 2 weeks in total they wanted £158,,,, ha no chance. i knew i would never get the £84 back, but told them no chance..... for about 18mths i got various letters from Swinton and LFS, and on all occassions i rang and said i was disputing, to be met with, you have disputed on the same grounds before, and the bill is due.....

 

 

 

I never paid, and 30months i never will pay it.

 

 

 

Il also never use them again......

 

 

 

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OK an old thread. That is Hi, just wanted to know how this situation resolved itself??? I too have received a letter from LFS on behalf of Swinton for a bill for £50 their cancellation charge. I purchased a new car and the insurance company I was with wouldn't cover my new car and so cancelled my policy. I was informed by Swinton that the £50 cancellation fee was due but if I took another policy our with them then it would be waived...however the new quote they gave me was more than double what I eventually got it for with another company!!!! I feel really aggrieved and do not want to pay this bill but can't become embroiled in CCJ's etc ?? I also notice that the letter from LFS has the same signatureas the letter sent a couple of weeks ago from Swinton debt collection...... Any thoughts please quite intresting. Under similar circumstances, I cancelled my insurance with Swinton (as the car had died- literally). Swinton were a bit miffed that I was cancelling the policy- even though I had no car to insure; I informed them that I was self-employed, and much work has been cut back- so needed to tighten my belt financially. They began to reel off cancellation charges, additional admin charges etc. I explained that I did not mind paying for what I actually owed (I think it was about 7 days insurance outstanding- not much). But I was informed that I had to pay the £50 admin/cancellation charge- when asked to jusitfy it; the reply I got was "It's our charge". So- I sent them a cheque with covering letter for the outstanding weeks insurance (that cleared). About 2 weeks later I recieve a text message threatening court action if I didn't call LFS Collection and settle outsanding debts. So I called LFS- they informed me that there was no debt showing on my account and then apologised- explaining it was an error, and wrong number - so told to forget about it. A bit of a coincidence really- saying what did happen with Swinton in the first place. Since the initial conversation with Swinton back in April; I have recieved no further letter or contact, nor anything from LFS. Incidentally- LFS aren't actually an independent collection agency- they are the Swinton Insurance "Collections Department" though under a different banner- perhaps to make it sound more serious. BT collections did this and sent out letters in the same style as their BT letters- bit of a give away really.

 

 

 

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  • 1 month later...

Hi guys,

 

I've just had a letter from LFS with "FINAL NOTICE" in huge letters! Now, normally these letters have phrases such as 'may' and 'might' etc... however this one is a little more decisive. It states:-

 

If no contact is made by you will will obtain a County Court Judgement against you, and you will be liable for the following in addition to the current balance COURT FEES, SOLICITOR COSTS, INTEREST DUE

 

Is this just DCA fluff or should I take this one a little more seriously?

 

Thanks in advance!

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