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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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mis-sold graduate loan? pleeeeease help. it's a long one!!


tanya101
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I had a student bank account wIth natwest which has an over draft and a credit card. The overdraft is owing and the credit card is within its limit but natwest wanted to whole payment. A lot of the balance is charges!

 

My graduate account was automatically changed into a graduate account even though I hadn't graduated (my studies took longer as I was ill)

 

At the start of 2011 I went to natwest inquiring about a graduate loan. I wanted 10k to pay for rent, buy furniture and a car. I'd been living in Kent with my partner and we were relocating to my home town.

 

The guy at the bank said this doesn't sound like enough and I should consider 15k. He also told me that paying back a larger amount looks better if apply for a mortgage. I stupidly was excited by this prospect and took the 15k loan. I had a conditional offer of employment that they took as evidence of income to pay it back.

 

I eventually got this good job and was paying back the full amount every month. Until I fell really ill with a long term condition and heart condition etc.

 

I entered into a payment plan which I was paying. Then for NO reason at all my account was mistakenly sent their collections department. Natwest admitted it was mistakenly sent there but while it was there I couldn't make a payment. It took them months to get it back from collections. During which they counted the late payments and my payment plan ticked away.

 

They wouldn't let me enter another plan as I'd had one for 12 months.

They harassed me, sent me 4 or 5 letters a day and called me all the time. I eventually had a seizure the day they sent me letters about lawyers etc.

 

I have entered a debt management plan with step change and the most of my £150 payment goes to the loan

 

They send me letters regarding my secured mortgage. Which is loan obviously isn't. I had nothing to secure it against!

 

I have loads of defaults on my credit file because of this, which was immaculate before this loan.

 

What can I do?! I really feel like they messed up but don't know where to start.

Any help would be GREATLY appreciated.

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not sure about the defaults

you can only have one per debt...

in the debt summary that is..

 

 

I wonder how a BCOBS complaint might help too

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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What exactly would my complaint relate to?

 

I think I wouldn't have had through defaults and late payments if it wasn't for their messing up!

 

 

Thanks for all your help, you're a star!

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have a read of the rbs blue link after clicking bcobs

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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do you guys think the loan was sold to me properly in the first place?

 

or that they've followed proper procedure?

 

this has absolutely ruined my credit rating a

 

nd it doesnt look like i'll ever get credit again!

 

ta

 

T

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  • 2 weeks later...

Hey guys. I have a graduate loan with natwest and fell into financial difficulty. (Details on a different thread).

 

But I now pay a reduced amount via a debt management plan with stepchange debt charity.

 

I'd heard nothing from natwest then suddenly had 4 calls today and a letter and text from Westcott debt collection agency asking me to contact them urgently to pay the money back.

 

Is there anything I can do?

 

Thanks

T

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Firstly contact your dmp manager they should go through them and not be contacting you. Its just a fishing trip to see if they can squeeze more money out of you. Don't speak to them on the phone just insist on everything in writing.Don't panic.

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Hiya

 

I lost my job in 2009 and had to contact what is now known as step change, previously to that zebra money management was dealing with my accounts, step change have a template letter and there are some template letters here, I am sure one of the others will tell you, as I am out of work wescot get £1 a month one each barclaycard I had which was 2 altogether, its paid by a monthly S/O and they have never bothered me about it since, but don't ring them send them an e-mail with your offer

 

I hope this Helps

 

KeithCP2

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  • 1 month later...
  • 4 months later...

I took out a student bank account with natwest when i went to uni. I took longer to complete my degree as i was ill however, after 3 years my bank upgraded my account to a graduate account even though i hadnt asked and hadnt graduated. They offered me a graduate loan which i wanted to take.

 

The guy at the bank told me that if i took out a higher loan it would help me get a mortgage in the future and would improve my credit rating. I stupidly believed you and took out the higher loan which they accepted with a job offer letter which was conditional of me passing the probation period. the payments were set up for £270 a month.

 

I kept some of the loan to pay the first repayments back and then carried on paying for about a year. then i fell ill and into financial problems. I told the bank straight away and filled out an income and expenditure form. They agreed to let me enter into a 12 month agreement to pay less.

 

I was paying perfectly when i got a letter saying it had been passed to a debt collector. I called and they said it had accidentally been passed and they were trying to get it back and i couldnt pay anything as they no longer held the account. It took them 6 months to get it back.

 

12 month of the agreement plan was spent waiting for them to get my account back from the debt collector and so i couldnt pay. but they said my 12 months was up even though i couldnt pay for 6 months because of their mistake.

 

They literally harassed me with phonecalls and letters everyday and calling my parents house even though id told them i didnt live there any more.

 

I have a massive default of my credit rating for a huge loan i never would have taken if it wasnt for there misrepresentations.

 

Is there anything i can do?! Im now paying it through a stepchange plan but it wont be paid for ages.

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  • 2 weeks later...
  • 8 months later...

Im not sure a miselling complaint here is the right way to go.

 

The argument you have suggested is that you fell behind in payments on the payment plan due to them making a mistake and sending it to the debt collectors. Admissions in wrting would be a good support tool.

 

A BCOBS complaint would be that they failed to manage your account correctly to your detriment.

 

However

 

the "many defaults" IS prob as suggested above, a status update if you will. If you are on a payment plan then this may be accurate.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Ah ok thank you!

 

The reason I thought it might have been mis sold was that I hadn't graduated at the time due to illness. I didn't graduate until the following year but he changed my account to a graduate account so that he could give me the loan. He also accepted a conditional job offer as proof I'd be able to pay despite me having no money and being in my over draft with my account with them.

 

He said he couldn't accept a conditional offer then called me and said he could.

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  • 1 year later...

Hi all

 

I am have a large natwest graduate loan that I took in 2011. I wasn't actually a graduate at the time but the guy in the bank said they'd just changed my student account to graduate so I could get one. Also wasn't working at the time but had conditional job offer. Was given the loan but later didn't get that job and so couldn't pay. Used loan to pay loan.

Now paying through DMP.

 

I've just seen some letters they'd sent as I'm sending a cca request and theyvelines described my loan throughout as a secured loan and a mortgage which is definitely wasn't. Was just a simple graduate loan.

 

What can I do about this? Is there a complaint I can be making?

 

Thanks all

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numerous threads over numerous years asking the same questions merged

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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numerous threads over numerous years asking the same questions merged

 

Sorry I think what I'm asking this time is a different question. It's nothing about he actual loan itself or repayment of it or anything I've asked before.

 

It's simply whether they fact they've described it as secured when it isn't is a problem or not? Not everyone is an expert in this bit i think hats a completely different question

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opps wrong thread

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

if the loan is secured then it will show on the land registry site

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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