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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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Mortgage interest rate rises


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There is notification Santander 'intend' to raise the int rate by half percent. The reason it is 'being considered' is because of 'the increased cost to Santander of raising the money which we lend to our customers, including what it costs us to provide you with your mortgage(what ever that is)' apparently those reasons in the mortgage conditions. Nothing mentioned about savers rates so I presume there's no connection there:madgrin: I just feel the BOE rate is low for a reason. How much can these lenders raise the int rate until someone decides to do something about it. I can hear the arguments from the hard line who say tough bananas but it doesn't have to be this way, I hear business economists are getting fraught over Government decisions.

 

Anyone else with an int rate rise from other lenders?

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  • 3 weeks later...

Santander is a F**ked bank.

 

Santander does not get money for mortgages from saver's deposits (although look up fractional reserve banking). A mortgage contract with a bank magically borrows the funds into existence, so it should be win win.

 

However, Santander is a Spanish bank, & anyone who has looked at property in Spain knew that it was overvalued years ago, & is still mightily overvalued now. There are a colossal number of empty buildings in Spain, & the banks still really hold these assets, which technically will become their liability as the money advanced to the constructors will not be recouped by their sale.

 

Money market rates for Santander, & Spain in general, to stay afloat with all the new disclosures & capital requirements are therefore higher as they are more at risk of going bust.

 

I saw more blatant corruption at all levels in one hour trying to do a deal in Spain 6 years ago, & walking away from it, than I ever have in the UK. The Abogados (lawyers), Mayors, vendors, you name it. We're not in a good way in the UK, but I'll tell you now that the balance sheets of Spain & its financial companies are just a cheery fiction.

 

10 years ago, the only people who had a variable mortgage rate 4.25% above base like Santander were lowlife lenders like Kensington who dealt with the riskier bets. My mortgage is 1% above base. Most SVRs are 3.5% above. That's so they can still pay out the £13 billion the banks still pay annually in bonuses I guess.

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  • 1 month later...

Thanks for reply TFL. Well first month to pay int rate hike. So Santander, I will find another mortgage lender. I can already feel the benefit from just saying it:-D

 

They have a 2yr fixed rate for newbies 2.39% I spose I contribute to that as well as the bonuses.

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  • 3 months later...

If borrowing will cost more to banks and building societies in light of the possible lowering of the BOE base rate, whats the odds banks and b/socys will pass the extra cost onto the customers by raising rates? IMO they should absorb the loss as increasing int rates affects the spending power of people, plus people could lose their homes putting more burden on the state. They should have saved up for the rainy day as they knew it would come!

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  • 3 weeks later...

Just a thought, if mortgage borrowers had more in their pockets, this would revive the confidence lost by investors who are holding onto their money because they are nervous no one is spending. More people could afford to buy homes with low int rates which would stimulate the house building industry which in turn creates jobs in many other sectors.

 

As for the unregulated lenders causing havoc with their high int rates, that's something else to address.

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