Jump to content


  • Tweets

  • Posts

    • 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...
  • 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 
      • 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

MONUMENT - what happened to them?


Gunner77
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5559 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

Hi all I have posted previously and am in the process of defending a County Court Claim from HFO Services Ltd/Turnbull Rutherford regarding an old Monument credit card I had. I settled this account back in November 2006 and then left my parents home and unbeknown to me, both Barclaycard and HFO had placed defaults on my account. Barclaycard removed theirs and assured me that as the account was not showing up on their records it must have been settled. I relayed this to HFO but to no avail and they have now progressed matters to a CCC. Now Barclaycard tell me that they have no details of my account as they only bought Monument in June 2007. So who can I write to or call with regards to my account and getting some evidence. I have sent a letter to Turbull Rutherford as advised with my CPR request which they have received today (sent special delivery). Now what should i do? (Unfortunately the debt was paid by my father, who is now suffering badly with Parkinson's so it is very hard to get copy statements and the one I have was forwarded to Barclaycard!!) What should I do? Does anyone the history of Monument? Thanks.

Link to post
Share on other sites

If you rang Barclaycard, they will tell you anything,

 

BARCLAYCARD are the people to write to, full stop.

 

The Monument Card is Issued by Compucredit UK Limited,

Their registered number is 06032187 and registered address:

The Portland Building

25 High Street

Crawley

West Sussex

RH10 1BG

 

 

25 High Street is the Barclays Building.

 

Jogs

Link to post
Share on other sites

Ok so what do I do, Barclaycard are telling me this is not them, I even have a complaint against them regarding the way they have resolved this query. Is there anywhere I can find solid evidence? The detials are that I took out my Monument card back in 2005, and it was defaulted (incorrectly in my opinion) in Jan 2007 and then again by HFO in 2007. Who can I contact in order to find out the state of the account? Surely if Barclaycard have no record and as far as I know they are meant to keep records for 6 years, how can there be a case to answer against HFO??? HELP PLEASE. Thanks.

Link to post
Share on other sites

Hi guys, so what are the chances that HFO have the relevant paperwork and what do they need in order to press their claim against me? I am sure I don't owe any money, but without my fathers bank statement what else can i do??? (long story re my father!!) Thanks.

Link to post
Share on other sites

Hi guys, thanks for all your help. Sent request to Barclaycard, but has anyone got any firm history for Monument please? Just need to know what happened to them between 2005 and 2007? Just that this debt case has now progressed to a County Court claim by Turnbull Rutherford on behalf of HFO Services Ltd. I just need to find out who actually has the full account details and would have the original credit agreement etc. Trying to build my defense case so any help much apprecaited. I have sent CCA to Barclaycard and CPR to Turnbull Rutherford. Thanks.

Link to post
Share on other sites

Cant get the link to work I thnk my browsers benn hijacked will post details of what site said. (link is going to Donald Duck?)

 

this states Monument was sold by Barclays in 2007 to another company.

 

I found this don't know if it will help you at all, and this is an excerpt from a site I found that says Barclays owned Monument in 2004:

 

'Debt that wouldn't lie down

 

Mrs F. M. writes: I am writing in sheer desperation. I have a default showing on my Experian credit file, registered by Cabot Financial. Cabot bought the alleged debt from the Monument credit card company. However, the debt I had with Monument was settled in March 2004.

 

The Experian credit reference agency is like a library. It stores information, but it does not write it or erase it. If anyone disputes the accuracy of their file, the best Experian can do is offer to add a statement recording this, and that is exactly what it offered you.

The material held by Experian is entered by firms that offer credit. Monument is one of these and in 2004 you owed £2,731. In fact, the card company accepted £1,798 from you in full settlement.

That should have ended the matter, but Monument failed to write off the balance in its books. The debt was sold to Cabot, which hoped to turn a profit by collecting the full amount from you. With charges, this came to more than £1,000.

I invited Cabot to comment, but it didn't. Barclays, which owned Monument in 2004, was more helpful. It got the new owners of the card company to dig out their old records and find the mistake. By now you will have received an apology from Monument and all references to the debt have been wiped from your records'.

 

 

Thx Lumi

Edited by Luminol
link invalid
Link to post
Share on other sites

Mystery solved over Monument card

 

 

 

 

What it said:

 

"I have a Monument credit card. I have just been told by Barclaycard, which runs the card, that it is being transferred next month to Raphaels Bank and CompuCredit. Who are they?

WS, London

CompuCredit is a US finance company which specialises in "trailer park credit" - lending to those with poor repayment records. In April it paid Barclays £490m for Monument's 200,000 mostly active cardholders. Monument, charging high interest rates to its mostly less creditworthy customers, was previously Providian.

Raphaels is a little-known private bank, founded in 1787 and based in Aylesbury, Bucks. It has a UK banking licence which CompuCredit can use. It has savings accounts and some niche plastic card activities."

 

4th April 2007

BARCLAYS PLC

 

BARCLAYS PLC PARTIAL SALE OF MONUMENT BUSINESS TO

COMPUCREDIT CORPORATION

 

 

Barclays PLC (‘Barclays’) today announces the sale of part of the Monument credit card portfolio (‘the Sale Portfolio’). Barclays credit card and consumer lending business, Barclaycard, has agreed to sell the Sale Portfolio and associated servicing capabilities to CompuCredit International Acquisition Corporation and CompuCredit UK Limited, which are both subsidiaries of CompuCredit Corporation (‘CompuCredit’) for a consideration of approximately £390 million payable in cash. The consideration is subject to final adjustment following determination of the actual amount of the gross receivables sold. The consideration is expected to be finalised during the second quarter of 2007.

 

The Sale Portfolio is being sold for a consideration which is broadly in line with net book value and includes approximately £490 million of gross receivables,

including a tranche of accounts in collections. The Sale Portfolio represents about 2% of Barclaycard’s loans and advances to customers as at 31st December 2006.

 

Barclaycard will retain a proportion of the Monument portfolio, representing approximately £130 million of receivables [20% MONEY WISE], which are primarily higher quality accounts and will integrate this with the main Barclaycard branded book.

- ENDS -

Link to post
Share on other sites

So sorry to be a wally, but who would hold the account details on this account? It was started in 2005 and defaulted in Jan/Feb 2007? I assume from previous posts that Barclaycard should hold account details? But they claim they can't find anything? They say the account was sold onto HFO Services, so does this mean that HFO services should have all the paperwork relating to this account? I know that ALL account information must be held for 6 years, right? Thanks

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...