Jump to content


  • Tweets

  • Posts

    • Should this to be take into court with him or should he send something in earlier?
    • 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.              
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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 
        • 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
        • Like
  • Recommended Topics

Credit Files and DCA's


joeblogs
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4359 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Yet another question, can Red allege I've made a payment during the last 6 years, as reading the site, it appears that some DCA's make up this story. I know that no payment or acknowledgement has been made since 2004.

 

JB

Link to post
Share on other sites

  • Replies 72
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

They can allege anything they like but would

need absolute proof of any payment.

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:

Link to post
Share on other sites

They would need Not only proof of payment, but also proof that it was made by you for it to have any effect

HTH (Hope This Helps) RDM2006

 

THE FORCE (OF CAG) IS WITH YOU

;)

 

We've Helped You To Claim - Now Help Us Remain

A live Site - Make a Donation

 

All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

However, if you have found any advice you have been given helpful.

Why not show your gratitude And

Click the * on the post you found helpful.

Link to post
Share on other sites

The other day I posted a thread on here as I had 2 letters appear completely out of the blue for debts that are well statue barred from Red. A number of people advised me, and Brigadier compiled a 'statute' letter. I sent the letter by Recorded Delivery and it has been received by Red.

 

Today again out of the blue I receive this letter from Robinson Way, Salford, M50

 

Dear Joe Blogs

 

Previous Address: XXXXXXXXXX

 

For the purpose of validation, we believe that you used to live at the address noted above. It you are not that person, or you have any queries or concerns, please use the freephone number below to let us know so we can ensure our records are correct.

 

FREEPHONE NUMBER ETC

 

If you are the person named above, you may also use the number to contact us.

 

Yours faithfully

 

Correspondence Manager

 

Now as I said in my previous thread, I did have debts, but they are around 7-8 years since payment/acknowledgement.

 

What shall I do with this letter now received? Many thanks

 

JB

Link to post
Share on other sites

Ignore until there is a clear indication as to what they are chasing.

Don't get trapped into any phone coversations ever.

They are phising at the moment so don't bite.

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:

Link to post
Share on other sites

Thanks Brigadier, I will wait and see what they come up with next. About 6 months ago I took out a contract with Vodafone now I am wondering if they have sold on my personal info.

 

JB

On that selling of your info by VF I do not know.

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:

Link to post
Share on other sites

Typical phishing letter by some very grubby and desperate fools.

 

Ignore them completely, you are under NO legal obligation to reply or respond to ANY letters that are pushed through your letter box.... they have nothing, you owe nothing, they are wanting to make a quick buck, and the only people they make any money out of are those who are unfotunate to fal for their tricks...

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

Typical phishing letter by some very grubby and desperate fools.

 

Ignore them completely, you are under NO legal obligation to reply or respond to ANY letters that are pushed through your letter box.... they have nothing, you owe nothing, they are wanting to make a quick buck, and the only people they make any money out of are those who are unfotunate to fal for their tricks...

 

could not have said it better myself thats why they are called robbers way

Link to post
Share on other sites

Thanks Brigadier, I will wait and see what they come up with next. About 6 months ago I took out a contract with Vodafone now I am wondering if they have sold on my personal info.

 

JB

 

Hi JB,

 

I can understand your concerns here but let me take this opportunity to reassure you that we would not have provided your personal information to this DCA.

 

If you'd like further information regarding our privacy policies please see our website here.

 

Thanks,

 

Lee

 

Web Relations Team

 

Vodafone UK

Link to post
Share on other sites

Vodafone would have passed your personal info to Credit Reference Agencies when they carried out a credit check prior to your contract starting. I imagine Robbers Way obtained your details from the CRA not Vodafone.

 

The phone company (whichever) will have made an ID search.

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:

Link to post
Share on other sites

What companies say and do are concerning, I don’t trust any of them, its all profit... only yesterday BBC watchdog announced the DVLA have sold driver details to private car parking companies. I DON’T TRUST THEM…..

Abbey Settled 3,600:cool:

 

Just started battle with

EGG

Virgin CC

Abbey

MBNA

 

 

Link to post
Share on other sites

Hello, I wonder if I can ask for somemore advice please. As already mentioned, I had some stature barred debts, last payment/acknowledgement 2004. Checked Credit File and none of the debts are showing. I am very worried that this company can add the debts back onto my Credit File.

 

After sending my letter to Red by Recorded Del, I have recently received a letter from Lowell Portfolio 1, the contents are as follows:

 

We thank you for your recent correspondence.

Please be advised that at the point of purchase of thesen debts Lowell Portfolio 1 Ltd became the data controller in accordance with the Data Protection Act. Consequently, as the legal owner of the debt Lowell Portfolio 1 Limited retains the right to process your personal data. Therefore Lowell Portfolio 1 Ltd are not prepared to cease processing your data in respect of the debt on the basis this is required for the performance of a contract to which you are a party.

 

We are now looking into your enquiry and will be in touch shortly with an answer.

 

We can't give you an exact date, as we may have to get information from other departments and outside companies. But we will get back to you as soon as we can.

 

Please do call us.

In the meantime, if you would like to talk to us about this or anything else, please do phone us here at Customer Services on the above number.

 

 

Of course I'm not going to call them, but what does all this mean and can they put the debts back onto my Credit File even though I know they are Statute Barred?

 

Many thanks for all your help.

 

JB

Link to post
Share on other sites

NO NO NO, this is Lowell posturing once a debt is SB it stays SB.

Send this to the Data Controller at Lowell.

Further to your letter dated xxxxx regarding xxxxxx

I do not acknowledge any debt to Lowell or any other

''trading style'' you may wish to use to confuse matters.

I have informed yoy that the alleged debt is statute barred

and I will not now or in the future be making any payment

or offer of payment now or in the future.

I am sure you are aware of the OFT Guidance on Statute Barred

Debt and I will consider any further contact from any company

of the Lowell Group to be harassment.

Therefore YOU WILL CEASE TO PROCESS ANY PERSONAL DATA

RELATING TO ME.

I shall report the conduct of the Lowell Group to the OFT and also

remind you of the OFT Guidance on the sale of statute Barred Debt

without informing the purchaser of the status of the debt.

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:

Link to post
Share on other sites

Hello Brigadier

 

I sent the letter you drafted last night and put it in the post. This afternoon as sods law would have it, I received a letter from Lowells saying:-

 

Dear JB

 

Your account is now closed.

We have today reviewed your overdue account.

 

We have discovered that Section (5) of the Limitation Act 1980 now applies to your account (this relates to the amount of time passing between now and the time you incurred the debt) and we will no longer be asking you for payment.

 

We will not send you anymore letters and we have now closed your account with Lowell.

 

 

So big thanks to everyone, especially Brigadier.

 

JB

Link to post
Share on other sites

Good result JB, and with the new OFT guidance on the sale of SB debt

they'll have a job to off load it.

 

Brig.

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:

Link to post
Share on other sites

Hello Brigadier

 

I sent the letter you drafted last night and put it in the post. This afternoon as sods law would have it, I received a letter from Lowells saying:-

 

Dear JB

 

Your account is now closed.

We have today reviewed your overdue account.

 

We have discovered that Section (5) of the Limitation Act 1980 now applies to your account (this relates to the amount of time passing between now and the time you incurred the debt) and we will no longer be asking you for payment.

 

We will not send you anymore letters and we have now closed your account with Lowell.

 

 

So big thanks to everyone, especially Brigadier.

 

JB

 

And are they ceasing/removing the information they have flooded your CRA file with ??

 

However, this is good news. Do keep that letter safe.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

And are they ceasing/removing the information they have flooded your CRA file with ??

 

However, this is good news. Do keep that letter safe.

It is in the letter JB has posted to them, required to cease processing

data and remove from records.

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:

Link to post
Share on other sites

It is in the letter JB has posted to them, required to cease processing

data and remove from records.

 

 

Sorry Brig.. missed that:oops:

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Thanks to everyone for your input. I recently had a free 30 day trial with Experian and nothing was showing up on my Credit File. The trial has recently ended so I am unable to check, but up to the beginning of this week nothing was showing up.

 

Thanks again to you all.

Link to post
Share on other sites

Thanks to everyone for your input. I recently had a free 30 day trial with Experian and nothing was showing up on my Credit File. The trial has recently ended so I am unable to check, but up to the beginning of this week nothing was showing up.

 

Thanks again to you all.

 

i would not just check experian there are 2 other credit refrecing agencies where they could have posted thier grubbly little details make sure yo check call credit and equifax as well if nothing is on them 2 then your all clear

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...