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    • 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.              
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Wescot letters re natwest.


terryduff
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After getting a letter from a dca for an outstanding Nat West debt

I sent a cca which they have said must be sent to RBS directly,

 

should I do this or avoid contact

the debt is around 8 years old possibly more and been paid through a dmp since 2006

the balance has increased by around 1200 pounds which was my Nat West overdraft strangely enough.

 

What should my next move be do I contact them with a SAR then cca or just leave it alone.

There is nothing about this on my credit file

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If the DCA is only acting on behalf of the bank, just ignore them. Completely. Deal with the bank direct for a SAR.

 

Also, i hope you arent using a fee paying DMP.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I was but I have seen the error of my ways

 

So would you recommend I SAR the bank then cca request?

 

 

I also wondered if my debt management payments were always going to a dca does that mean I haven't paid the creditor?

 

 

And if thats correct would the debt be statute barred

 

 

since I've had no contact from the bank and have paid the dca rather than the creditor

Thanks

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PLease help with the following info.

 

Name of Original Creditor

Have you received a Notice Of Assignment?

Who OWNS THE DEBT Currently?

Rough Amount

Date of LAST PAYMENT received by the owner of the debt (And previous owner) and any letter acknowledging the debt

TYPE of debt? Eg credit card, Over draft, Loan, Catalogue, Phone Bill

ANY PPI or other insurances?

Any overlimit or late fees IF this is not an overdraft or current account

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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National Westminster bank

I don't know what a notice of assignment is sorry

Experto credite are collecting for RBS as my cca letter told me to contact RBS

13,500 owed which never seems to go down

I have been paying money village(spectrum) through dmp and have sent sra request to see payment detai

ls they have been paid this way for 8 years at least never direct to RBS/NAT WEST always to a dca

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Notice of assignment = a letter from the creditor and/or the debt collection agency stating that the account has been sold or assigned for collection to them.

 

 

SAR to NW now.

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

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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What type of account is this, current/current with OD/loan/Credit card.?

 

When was the last payment and/or written acknowledgment made?

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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I'm fairly sure it was a loan never had anything in writing from the creditor and only from dca last month payment made every month through dmc to the dca and I only had one letter off them saying they have received payment and that was last month

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Have you had any statements (at least one a year)?

 

Do you know how much was originally owed and what has been paid off?

 

Is this a paid for DMC?

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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Not until last month original amount has gone up but I suspect they added my overdraft to the loan but I don't know this for sure the amount owed has never got smaller I'm hoping the SAR will show what's gone on,it was paid for but not anymore

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Emm I know they state no initial fees, but I wonder what they siphon off from each payment.

 

Did MV get interest and charges stopped?

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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1500 quid and you have done it all yourself or through a free DMC.

 

I would SAR MW as well I think you have paid much more in fees than you have paid off 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:

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Excellent Terry,

I hope we can help you sort this out!

 

Have a good weekend!

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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  • 1 month later...

I got a reply to my SAR today,

it tells me they cannot locate the information I asked for and requests further information about the accounts previously held with the bank,

 

 

this can include:

Sort codes

Account numbers

Account types

Relevant opening and closing dates

Previous names

Full address history

Date of birth

Other RBS group brands you may hold accounts with

 

This seemed a bit vague then I realised I used the expert credite reference instead of the Nat West account number

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  • 2 years later...

Hi there

 

I have received two letters from Wescot

one wants me to phone them to confirm my address

and the others wants payment of a old bar west loan

 

can anyone recommend what I should do regarding these please.

 

I had been paying through debt management from 2004 until a few years ago

then paying a different DCA directly but they started returning my payments.

 

Thanks in advance

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who was the DMP with

and have you sent everyone you are blindly paying a CCA request?

 

what is a bar west loan ??

 

a dca is not a bailiff

and have

no such legal powers at all.

 

 

I smell a cash cow here

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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