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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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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Loan Sharks


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Really?

 

Really.

 

The minister was on the tv news the other day and said 'there were no plans to cap the interest rate'.

 

So here we go boys, who wants a license to prey on the poor and the vulnerable.

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Apparently, the problem with enforcing much lower int rates would mean these companies would go out of business and borrowers would use the underworld of lending which would be worse.

 

I think these loan companies should be scrutinised more to determine whether it's more to do with profits not being as high as they like if int rates were much lower, rather than it would be the cause of them close down.

 

It's time these lenders stopped preying on the vulnerable, those who can least afford high int rates. Another designed to fail type lending. The roll over loans offered when the original can't be afforded to pay back, is being addressed but much more needs to be done.

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I've said it time and time again. There is ONE person who works with the government and he alone is responsible for what is happening. He is also the same person who ensured that workers have pretty much no legal rights for the first two YEARS of their employment.

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..

 

 

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  • 2 weeks later...

It's now emerged that £millions of the church money is used to back up Wonga.

 

As for making some unemployed, they are as bad as the company, it is they who send the snotty letters and roll over the loans getting people into trouble.

 

Perhaps if they get what they deserve, they can get their groceries with a Wonga loan and get some first hand knowledge of what it's like and what 'they' have been doing to others.

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It's now emerged that £millions of the church money is used to back up Wonga.

 

As for making some unemployed, they are as bad as the company, it is they who send the snotty letters and roll over the loans getting people into trouble.

 

Perhaps if they get what they deserve, they can get their groceries with a Wonga loan and get some first hand knowledge of what it's like and what 'they' have been doing to others.

 

One has to wonder how many other corrupt organisations are perhaps 'laundering' their ill gotten gains through the legalised loan sharks.

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It's now emerged that £millions of the church money is used to back up Wonga.

 

As for making some unemployed, they are as bad as the company, it is they who send the snotty letters and roll over the loans getting people into trouble.

 

Perhaps if they get what they deserve, they can get their groceries with a Wonga loan and get some first hand knowledge of what it's like and what 'they' have been doing to others.

 

This morning the Archbishop of Canterbury said that in total the church invested £75k (not millions) in an investment company that provided the capital to start Wonga, and that he's furious about it.

 

Personally I welcome the idea of promoting credit unions as an alternative. However, I'd still like to see interest rate caps.

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It's now emerged that £millions of the church money is used to back up Wonga.

 

As for making some unemployed, they are as bad as the company, it is they who send the snotty letters and roll over the loans getting people into trouble.

 

Perhaps if they get what they deserve, they can get their groceries with a Wonga loan and get some first hand knowledge of what it's like and what 'they' have been doing to others.

 

I see you now know the connection was indirect, an investment in a company who had connections down the line to Wonga. It has enabled the Church to review investments in companies who then invest onto others they want to avoid.

 

I noticed the 'Ten Commitments' Wonga have published to support their stance. A rather tacky attempt to poke fun at the Ten Commandments. Well they would, wouldn't they.

 

Keep the faith Conniff:-D

Edited by determindator
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  • 2 months later...

 

Of course they do, they get all their info from the public for free and then sell it back to them.

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Of course they do, they get all their info from the public for free and then sell it back to them.

 

Which want your stories to help them take on these type of lenders. I don't think Loan Sharks will be buying that info!

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They may make money from selling a magazine but that money can be put towards doing a great deal of work for those who don't buy the magazine, in this instance money lending, apart from all the many other financial campaigns where their involvement has made changes better for the consumer. See it as philanthropy.

 

The internet is a powerful communicator, i've seen the Which info so it is appropriate for CAG to be a place to spread the word on this subject.

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Agreed termi. Until I attended the big banking debate I had no idea what a powerful campaigner which is, and the excellent work they do for consumers. So much more than the magazines. They also have very powerful contacts. :)

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Advice & opinions given by Caro 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.

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Yes Caro, we went to the debate, plus the other meetings over time, and there is influential work taking place standing up for the consumer.

 

Here is the site again to post what you want to say about your experiences with these type of loans.

 

http://www.which.co.uk/campaigns/money-payday-loans-overdrafts/?utm_campaign=121013_campaignsemail_monthly&utm_medium=email&utm_source=email_campaigns&cmp=121013_campaignsemail_monthly

Edited by determindator
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  • 11 months later...

 

In one of the case studies in the report - one borrower admits to not telling the truth in order to be accepted.

 

Some borrowers are their own worst enemy - there really needs to be some education regarding the managing of finances.

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I believe financial education is being added to the school curriculum, should have been done years ago when get rich quick was introduced into main stream thinking. The eighties springs to mind. There's good and bad in lenders as there is good and bad in borrowers. That's where the fairness in each case should be decided.

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