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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
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    • 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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Central Trust penalty charges - need help to raise a court claim


wellerman
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Hi am after some advice.

 

About three years ago

 

My wife and I were struggling on just my wage and running up quite a few small debts.

 

We foolishly took out two secure loans of 12 and 14k.

 

We have been paying these regulary.

 

When it all started going t*ts up with the banking industry they raised the interest rate.

 

We carried on as before but last week we received a letter saying they would probably be forced to raise the rate again

as they were only a small company and borrowing was becoming increasingly expensive for them.

 

As well as that they included a business card of a home finance company which they said might be able to help us out.

 

It seems they are trying to force us to borrow else were and pay them off.

 

Also can they just increase their rates when everyone else are dropping theirs.

 

Thanks for any help

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Hi.

 

Had the same letter today.

 

Put a rocket up their backside.

 

Told them it was just a marketing ploy and that they had passed my details to another company completely unsolicited.

 

They CANNOT force us to change to another lender and neither should you as it will generate money in commission for them

and off load their debt while costing you more "admin" fees.

 

They laid off 180 people this year and their managing director qouted "this is the darkest day for the company".

 

They clearly need to raise some cash.

 

They can raise their interest rate as its variable but they would have to justify it to the FSA.

 

I have asked them for an explanation in writing as how they think they can get away with this outrage.

 

If it is not satisfactory the copy of the letter is going to the ombudsman.Incidently does anybody know how much they can increase the rates by??

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  • 2 years later...

Hi

I have a mortgage of 84k with BM and two seperate secured loans with Central Trust.

 

Im self employed and

 

over the last few years have been ducking and diving to keep on top of payments.

 

One month missing one so I could pay the other that sort of thing.

 

During this time I have been hit by lots of charges.

 

Central Trust charge £60 a time not sure about BM but I want to claim these sums back now.

 

The thing I'm concerned about is that my mortgage has another 13 years to go and the loans 7 and 12,

 

how does threatening them with court action etc effect the relaitionship.

 

Can they try and foreclose ?

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They can't try and foreclose without good reason.

 

Calling the mortgage in and trying for a repo would need a judicial process so there would be scrutiny of what they are doing.

 

£60 charges is clearly against the rules - if you have followed the mortgage link and read the articles and the Fsa decisions.

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  • 1 year later...

Hi

 

have had 3 secured loans with Central Trust.

 

One was paid in full back in 2004.

This one had ppi despite me being self employed.

 

The reason for this thread is that due to my selfemployment there have been numerous missed payments

resulting in charges of £60 a time.

 

I understand about sending the SAR but what Im concerned about is that both of the loans

have at least 5 years to run and if I was to attempt to claim back the charges

can central trust threaten to for close the loans

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no they cant

they are NOT allowed to take ANY retaliatory action

 

so you've a PPI claim and a charges claim to do?

 

dx

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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  • 11 months later...

I sent off the SAR and have received back copies of

the t&cs,

copies of wage slips,

homeowners application form,

the application forms etc,

 

but no statements.

 

On the covering letter they state our products were sold to you through brokers.

 

I dealt directly with Central Trust and didnt use a broker,

 

but see I have been charged £1100 and £1300 broker fees.

 

How do I get hold of my statements and is it ok for these two charges ?

 

Thank you for any help, finally trying to get my finances together

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then ask them where they are by letter

 

dx

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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  • 1 month later...

Hi Dx have had all statements back now, and its showing charges ranging from £50 , £60 and £53.

How do I add interest to the claim ? The rates on the loan are 9.4% 10.65% and 11.15%

Thanks for any help

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were these loans refinancing each other or were they totally separate.

 

whichever you use

 

StatIntSheet v101.xls

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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Share on other sites

you agreements should tell you the PPI you paid PCM.

 

dx

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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  • 4 weeks later...

what the spreadsheet

 

you'll need open office or excel mind

 

dx

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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  • 3 weeks later...

sri what is not working?

 

 

you cant load the spreadsheet?

 

 

dx

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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have you got office installed [excel]

 

 

or open office?

 

 

dx

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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download the spreadsheet somewhere [say to your desktop.

 

then find it and open it

 

you'll need to click the top button to enable editing first before you can enter data.

 

once you've opened it to editing

 

save it under a new name

dx

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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  • 3 years later...

Not the speediest of responses!

I was fortunate enough to pay my mortgage and two central loans a couple of months ago.

 

Having done a SAR back in 2014 I wrote to CT asking for the repayment of £846 and £643 under the unfair terms in consumer contract regulations.

They replied saying they were totally just but offered £300 as a gesture of goodwill (5x£60)

 

After an email exchange and phone call I have now written to them giving them 28 days notice before I go to the small claims court.

I have also added 8% statuary interest.

 

I would appreciate any help on how to proceed with claim.

 

Interestingly my main Mortgage provider, unprovoked have written to us about our closed account.

 

They are refunding all management fees charged to the account since 1 Jan 2009 together with the interest charged on those fees.

They also offer the chance to claim any additional costs we may have incurred.

 

This was from Birmingham Midshires, does anyone think this strengthens my case against CT if other lenders are deeming the charges inappropriate?

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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... 

Link to post
Share on other sites

Received letter today regarding my letter 4/4/18 giving them 28 days notice.

There response being that they were sorry I was still dissatisfied with their Final Response Letter and that they have exhausted their complaints procedures.

Do I still have to wait the 28 days or can I proceed with case?

Thanks for any help

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