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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?    
    • 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...
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    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Help with Wentworth Direct Finance


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I am also one of the (Edit) who applied for a loan on-line. The next day WDF contacted me by phone to say I was guaranteed a loan and the fee was 69.00. I already had loan offered from another company but it needed a guarantor. Parents too old, brother does not own his home and partner does not earn enough. How do you ask a work colleague how much they earn, have they got a mortgage, have they got a good credit history??. On speaking to WDF told them I would only pay 69.00 if they guaranteed the loan and that it would not need a guarantor. They catergorically told me it was and no gaurantor would be needed. On sending back the signed form I even enclosed a letter saying if this was not the case then not to take any fee. The 69.00 was taken from my bank account. Within a couple of days I too received a letter from Ralph Marlon requesting wage slips and utility bills. I actually thought it was ok and they weren't a con after all. How wrong I was. I received a text from Ralph Marlon saying my loan was ready and I just needed a guarantor. I knew then I had been basically defrauded out of my 69.00. WDF knew all along what was going to happen. Ralph Marlon then sent me an application form with an offer of a loan from TFS LOANS LTD. I wanted a loan for 1500.00 but on the letter this was the information sent:

Example: borrow 3500.00 pay 60 monthly repayments of 164.82. Credit 3995.00 including lender fee of 995.00 (that would be over 1000.00 paid before I even got the loan). Total amount payable 9958.20.

Surely this cannot be legal can it?. Certainly not ethical.

I have since written to both WDF and Ralph Marlon. Heard nothing from WDF....shock...and received a text from Ralph Marlon telling me my loan was ready to be paid have I found a guarantor yet.

Not sure if anything can be done, is it worth going to a Financial Ombudsman or any other establishment that governs these people?

I would say if you have a good credit history then you would go to a bank or a reputable company, if not, like me, then if you can get a guarantor and you have no qualms about asking someone then go direct to them. In my opinion WDF take the money pass you on and wash their hands of you and crack open a bottle of bubbly to toast their success of another idiot and answered the phone to them. And no I don't work for another loan company I'm an honest hard working bloke who's been had!!

Edited by maroondevo52
Removed unsuitable word
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Hello and Welcome,

 

I've started a new thread for you.

 

Regards.

 

Scott.

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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You may have read by now my thread about Wentworth. Today RBS refunded my £69 pending enquiries.

I also contacted Wentworth and explained what was going to happen. They told me EVERY phone call is recorded.

Check which date you spoke to the call centre and then contact JENNY SHEPHERD at Wentworth who looks at the complaints. She will check your calls and be able to establish the truth.

Surprisingly, the call centre telephonist didn't sound surprised or shocked at my story, which I believe says alot!

I'm lucky I got my money from the bank next day, but this Ralph Marlon lot did try to tout me...their app form is in the bin. I think Wentwoth runs on how many 69 quids they can get in a day as brokers. They are not actually interested in lending money.

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  • 1 month later...
I am also one of the (Edit) who applied for a loan on-line. The next day WDF contacted me by phone to say I was guaranteed a loan and the fee was 69.00. I already had loan offered from another company but it needed a guarantor. Parents too old, brother does not own his home and partner does not earn enough. How do you ask a work colleague how much they earn, have they got a mortgage, have they got a good credit history??. On speaking to WDF told them I would only pay 69.00 if they guaranteed the loan and that it would not need a guarantor. They catergorically told me it was and no gaurantor would be needed. On sending back the signed form I even enclosed a letter saying if this was not the case then not to take any fee. The 69.00 was taken from my bank account. Within a couple of days I too received a letter from Ralph Marlon requesting wage slips and utility bills. I actually thought it was ok and they weren't a con after all. How wrong I was. I received a text from Ralph Marlon saying my loan was ready and I just needed a guarantor. I knew then I had been basically defrauded out of my 69.00. WDF knew all along what was going to happen. Ralph Marlon then sent me an application form with an offer of a loan from TFS LOANS LTD. I wanted a loan for 1500.00 but on the letter this was the information sent:

 

Example: borrow 3500.00 pay 60 monthly repayments of 164.82. Credit 3995.00 including lender fee of 995.00 (that would be over 1000.00 paid before I even got the loan). Total amount payable 9958.20.

 

Surely this cannot be legal can it?. Certainly not ethical.

 

I have since written to both WDF and Ralph Marlon. Heard nothing from WDF....shock...and received a text from Ralph Marlon telling me my loan was ready to be paid have I found a guarantor yet.

 

Not sure if anything can be done, is it worth going to a Financial Ombudsman or any other establishment that governs these people?

 

I would say if you have a good credit history then you would go to a bank or a reputable company, if not, like me, then if you can get a guarantor and you have no qualms about asking someone then go direct to them. In my opinion WDF take the money pass you on and wash their hands of you and crack open a bottle of bubbly to toast their success of another idiot and answered the phone to them. And no I don't work for another loan company I'm an honest hard working bloke who's been had!!

 

hi there i too was one of the unfortunate ones to be scammed by wentworth & ralph loans,sent numerous recorded letters but with no reply..so someone advised me to contact the financial ombudsman & hey guess what i received a call from wentworth saying they were transferring £69 back into my account..something should be done to bring these [problematic] down.good luck
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  • 4 weeks later...

My Son has also been scammed by these people. He had never heard of them until a letter from Ralph Marlon arrived, followed by one from Wentworth saying that the brokers fee had been paid. Checking his account, the fee had been taken from his bank account, even though he had never heard of the company. The bank said they could do nothing as it had been a card transaction. We are trying to get a refund from Wentworth who are now asking for proof of I.D., i.e. photo licence, utility bill and also a current payslip to prove he is employed. Why on earth they would ask for this for a refund of a loan he never even requested beggars belief! Have written to them again today threatening legal proceedings, Financial Ombudsman, etc. Certainly won't send any of these documents - they seem to have enough information without giving them further personal information. As soon as people like these get this sort of information, they can say that a loan has been granted and where will that then lead?

PLEASE DON'T GO ANYWHERE NEAR THESE PEOPLE.

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  • 4 weeks later...

I made an application via Wentworth and it was then passed to a company called Ralph Marlon Loans who did offer me a loan with extortionate interestlink3.gif rates which I declined. I called consumer direct who gave me some direction on what to write in a letter, see below:

 

 

 

DO NOT IGNORE THIS NOTICE

Notice to Principal isNotice to Agent; Notice to Agent is Notice to Principal.

 

 

 

 

Loan Ref Number:

 

To whom it may concern.

 

I am writing to request afull refund of the broker fee of £139.90 that was taken from my debit card twice.It is my belief that during the original contact over the phone with Wentworth Direct Finance that there was misrepresentation when it came to loan application process, lending and approval criteria.

 

At the time I was toldthat I had met the lending criteria and that I had been approved for a loan when in fact this was not the case. Misrepresentation also took place in theliterature that you sent out in relation to the illustration of loan amount, amount repayable and the APR which was quoted at 22%, this again is not a true reflection.

 

It is my belief that onthe basis of the information given I parted with the £69.95 broker’s fee under false pretences, you then took the fee again on the 2nd March 2012 without authorisation. As such youare given 7 days to refund the fee in full.

 

In DEMANDING an upfront payment fortheir brokerage services Wentworth Finance act unlawfully: the licence issued to them by the Office of Fair Trading limits brokers to a nominal £5 sum foradministrative costs.I have reported this practice toconsumer Direct and will be raising a complaint with the FSA, Office of FairTrading and Trading Standards.

This was sent recorded delivery Saturday 3rd March.

I received a text this morning which reads: Your refund has been completed. Funds should reach your account within 5 working days.

Good luck.

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  • 3 weeks later...

Good morning, I've had the 69.95 broker fee taken from my account but havnt had a loan offer or any response from these people.This was two months ago now.Is it to late to ask for a refund? If not does anyone have an address or email address where I can ask for a refund?

Many thanks.

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Alternative answer, did you ever get a reply from Wentworth regarding a refund ?

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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  • 2 weeks later...

Hello I am new here so hope this looks ok.

 

This evening I received an email from Wentworth offering me a good deal on an unsecured personal loan. Being a tenant and also self employed is difficult for getting good rates and Wentworth appeared to offer a better deal than my current loan deal. I filled in a simple form on-line and got a reply back stating that my application was in process and should hear something in a few days.

 

I put the kettle on and before I even switched it on I received a phone call from an unknown Number. It was Wentworth.

 

I feel I must mention this as many posts on this site are from people who paid the broker fee then realised there error. Well it looks like they now have a new way of getting your details.

 

Firstly they ask for you name,address,date of birth . Then ask you to verify a UK bank account and ask for your 16 digit card number which after having they then tell you the name of your bank. Then comes the next part. They ask if you have read the terms and conditions and how you are under no obligation to take any loan they offer. They then ask for further verification and ask for your card exp date and 3 digit security number off the back. Something they don't need for verification only to process a payment. I declined this part as I felt they had no need for these details to which I was informed they could not process the application and still explained they only needed these details to verify that I lived in the UK.

 

Very bad practice from this Company I think.

 

Rick

 

Looks like they are trying to get card details by splitting the number collection inbetween conversations.

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Hello I am new here so hope this looks ok.

 

This evening I received an email from Wentworth offering me a good deal on an unsecured personal loan. Being a tenant and also self employed is difficult for getting good rates and Wentworth appeared to offer a better deal than my current loan deal. I filled in a simple form on-line and got a reply back stating that my application was in process and should hear something in a few days.

 

I put the kettle on and before I even switched it on I received a phone call from an unknown Number. It was Wentworth.

 

I feel I must mention this as many posts on this site are from people who paid the broker fee then realised there error. Well it looks like they now have a new way of getting your details.

 

Firstly they ask for you name,address,date of birth . Then ask you to verify a UK bank account and ask for your 16 digit card number which after having they then tell you the name of your bank. Then comes the next part. They ask if you have read the terms and conditions and how you are under no obligation to take any loan they offer. They then ask for further verification and ask for your card exp date and 3 digit security number off the back. Something they don't need for verification only to process a payment. I declined this part as I felt they had no need for these details to which I was informed they could not process the application and still explained they only needed these details to verify that I lived in the UK.

 

Very bad practice from this Company I think.

 

Rick

 

Looks like they are trying to get card details by splitting the number collection inbetween conversations.:x

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  • 3 weeks later...

these took a payment of £69.95 one week then under a different name took 49.99 two weeks later from a friends bank account have threatened them with financial ombudsman and no refund as of yet!!

Cabot Financial they came they didn't stay and they left rather quickly

 

Lloyds Tsb - bye bye

 

Lowell Financial - bye bye

 

:whoo::whoo::lol::lol:

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  • 3 weeks later...
  • 1 month later...

Sorry for being sceptical but as you are the first person I have ever come across who says they have received a loan from this [problem] company perhaps you would provide evidence of the process you had to go through to get this money and which company you received the funds from.

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