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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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Blair Oliver & Scott & old GUS finance loan still paying them!


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Hi all,

 

Could somebody help me with this credit agreement IE. enforcable or not!

 

the personal loan side has the signatures of both my wife & myself. And the insurance is also signed for.

 

On the Preference Account side, My wife is the applicant. there is no aurhtorised user specified. And I signed the agreement. This has been struck through with 3 lines as if cancelled.. but I was the one who was issued with a preference card.

 

As you can see, the insurance on the loan had been lumped in!

 

I would appreciate any input as to what mileage is in this agreement. We are about to S.A.R. BOS and would like to know where we stand on this first.

 

Thanks to all,

 

scampjet.

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:) Just bumping this for you Scampjet.

 

In the meantime, have you looked at this thread here.

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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Sorry to post offtopic in this thread but a passing comment - couldn't HBOS think of a more creative effort when naming their in house DCA-lite than just making up some names to match their own initials? It doesn't say much about the quality of management in that bank!

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On the subject of the preference account, I have an almost identical agreement, which actually purports to be an agreement for a bank account. I have disputed that the 'agreement' is enforceable for the reasons on this thread:- http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/112921-bos-preference-account.html

I've had no response from BOS.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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It looks enforceable to me, although I haven't done the maths.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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Hi tomterm8 and thanks for looking,

 

Regarding the maths, (and without totting it up) I would be gratful if you would let me Know how you read the loan figure . Does this have to be clear to make it enforceable? It maybe just the copy I have been given but it looks like 1300 to me (clutching at straws). On the preference account, its my wifes name at the top (applicant) signed by me, then struck out with 3 lines.

Until I SAR BOS I can't remember what this account was for but I still have the switch card that came in my name.

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I read the maths as 4,300, with PPI of 1591.50, total credit 5891.00 .

 

I assume the signature is yours? In which case, if they paid you the money, the incorrect name / address would be enough to make it improperly executed, but IMHO the judge would think you were having a laugh.

 

Worth PMing curlyben to see what he thinks, however.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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It looks petty ok to me.....sorry

 

The maths seem ok....haven't checked the apr though

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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You would be able to reclaim the PPI... if the PPI was sold as optional, then it is correct, if it was sold as obligatory it should be in the total charge for credit, which AFAIK would make the agreement unenforceable.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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LOOKING AT THE FORM

 

the signature is dated 2003 but the references to data protection are in the style used when the old data protection act applied (pre march 2000)

 

the data protection act 1998 did not come into effect until march 1st 2000 ------------

 

so this application form has not been updated as it should have been from march 1st 2000..................... now the question is are there any implications of the above ????

:cool: sunbathing in juan les pins de temps en temps

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could you post the terms and conditions in non antipodean mode (right way up)

 

regarding that preference account it does not say it is regulated by the consumer credit act 1974 ,,, but this is only for the minor £500 overdraft

 

note the form is dated oct 2001 bottom right corner ???

:cool: sunbathing in juan les pins de temps en temps

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Interesting.

I would certainly be inclined to reclaim the single premium PPI as these are generally missold. PPI Reclaiming Guide: Free template letters to get £1,000s back on loan insurance...

 

There is NO reference to it being an optional extra for this loan. That alone is important. Further information on that aspect here: PPI Reclaiming Guide: Free template letters to get £1,000s back on loan insurance...

 

I'm also not happy about the £89 "admin fee", something is ringing bells here, but I can't put my finger on it.

Be VERY careful whose advice you listen too

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Hi curlyben,

 

One of the problems we have with this is that we don't know who we would claim off!

 

 

the loan as per the agreement is With Gus finance limit

( if they still exist) and the balance owing is with BOS.

I can't remeber who the original creditor was I think it was bank of Scotland.

 

 

What confuses us even more is that the Preference account agreement is between us and Capitol Bank.

 

 

We don't know how much of the total balance is from which creditor.

 

 

Also, we had been paying this to BOS for a number of years,

before we had a DMP and via ccc's for about 3 years.

 

 

The balance is still standing at about £8000.

 

We are about to SAR BOS to find charges etc.

But obviously this will only be what they've added.

Thoroughly confused!

 

In the insurance section(part 2) only my wifes name is included (printed in) Yet we both signed the loan agreement.

 

 

If I remember correctly,

we were contacted by Bank of scotland by phone

and asked if we wanted this loan,

then the papers were sent out to us.

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  • 3 years later...

After nearly 4 years of not hearing a word from them and paying £10 per month by standing order,

our last payment was returned to our bank as unaccepted due to incorrect details.

 

this morning we had a letter from BOS to say that we have defaulted and need to contact them to make the installment.

 

 

My wife made the payment over the phone and was asked to increase the amount

because it had;nt been reviewed for 4 years and should have been reviewed six monthly.

 

 

We have had no contact from them all this time and have not missed a payment.

 

 

BOS accepted the £10 a month after we closed down our DMP as this was the only way we could stop paying

our other creditors and dispute the debts with them.

 

 

With the help of this forum and months of very stressful wrangling,

we successfully fought off all our other debts and having no pressing DCA or threats etc from BOS,

let sleeping dogs lay and continued to pay each month.....

 

 

Just goes to show that sleeping dogs will jump up and try to bite you on the bum if they get the chance!

 

I'm expecting more to come of this.

 

 

They say that because we have defaulted (rather than they returned the payment)

the account has been put on hold until Feb 2nd.

They are going to send a financial schedule form which we will return and will show that we can ill afford

to pay more than at present, but I get the feeling that this has been engineered to open the flood gates

for something bigger and at the same time, making out it's our fault .

 

 

I havnt got as far as digging out the files on them yet .

.....but I think we will have to be ready for a fight.

 

 

Apparently the systems between our bank and BOS are no longer compatable or some such twaddle.

 

 

We shall see whether the next payment goes through or not!

 

I would be grateful for any further input and advice.

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Re: [problem]p]pjet-v-Blair Oliver & Scott

 

After nearly 4 years of not hearing a word from them and paying £10 per month by standing order,

our last payment was returned to our bank as unaccepted due to incorrect details.

 

this morning we had a letter from BOS to say that we have defaulted and need to contact them to make the installment.

 

 

My wife made the payment over the phone and was asked to increase the amount because it had'nt been reviewed for 4 years and should have been reviewed six monthly.

 

 

We have had no contact from them all this time and have not missed a payment.

 

 

BOS accepted the £10 a month after we closed down our dmp as this was the only way we could stop paying our other creditors

and dispute the debts with them.

 

 

With the help of this forum and months of very stressful wrangling,

we successfully fought off all our other debts and having no pressing DCA or threats etc from BOS,

let sleeping dogs lay and continued to pay each month..

... Just goes to show that sleeping dogs will jump up and try to bite you on the bum if they get the chance!

 

I'm expecting more to come of this.

 

 

They say that because we have defaulted (rather than they returned the payment)

the account has been put on hold until Feb 2nd.

They are going to send a financial schedule form which we will return and will show that we can ill afford to pay more than at present,

but I get the feeling that this has been engineered to open the flood gates for something bigger and at the same time,

making out it's our fault

.I havnt got as far as digging out the files on them yet .

.....but I think we will have to be ready for a fight.

 

 

Apparently the systems between our bank and BOS are no longer compatable or some such twaddle.

We shall see whether the next payment goes through or not!

 

I would be grateful for any further input and advice.

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So we understand that there were no changes made to the standing order. This time it just went wrong - so it seems as if it is definitely bank error - but they have no seized the moment to make your lives difficult for you.

 

I hope that you are continuing to make the payments. You must not stop - even if they try to refuse payments. Do everything in writing - nothing on the phone - or else record your calls - get a Truecall.

 

What was the original instalments agreement? Have yo got anything in writing about it? If there is nothing in writing the it may be reasonable to suppose that it was meant to be subject to review at some point. How much is the debt? How long will it take to clear it at the present rate of repayment?

What is the debt?

 

I suggest that you don't fill out any forms until you have let us have these answers

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I've moved your thread to the BOS forum. You had put it in the RBS forum

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