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    • 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...
    • I would say You should accept it - I HIGHLY doubt you will  be able to claim for letters at trial ans they’re offering you that, which is higher monetary value than interest.   Also they raise a good point, getting interest at anything above 4% is lucky these days, yes judges give it, but rarily above 4%   Also you might find depending on the judge  you don’t get some costs if you take it all the way over £7.40 when court woukdnt award letters costs and thus meaning their award would be less than evris offer which was made    Up to you though but the wait will be 3-4mo for a trial date at least
    • Hi Folks, Been 162 days! Just by way of update. Today I received a text from Opos Ltd so no doubt Capquest are renting the debt out to anybody who fancies a nibble. Safe to say I will not be responding.
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Un-Fair GE MONEY Mortgage Charges Advice Please


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Hi hoping someone can offer some advice please ?

 

we have/had to sell our home

all monies have been paid in full to mortgage company

they really gave us a hard time and were causing too much stress to carry on with it.

 

I am now after pursuing them for all charges that they have charged us over the years

 

what charges can we claim back

 

we had a joint mortgage account do we both need to do a SAR

or will one in joint names suffice any more advice would be appreciated.

 

Thanks in Advance

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icon1.png Un-Fair Mortgage Charges Advice Please

Hi

 

hoping someone can offer some advice please ?

 

we have /had to sell our home all monies have been paid in full to
mortgage
link3.gif
company

they really gave us a hard time and were causing too much stress to carry on with it.

 

I am now after pursuing them for all charges that they have charged us over the years

 

what charges can we claim back

 

we had a joint
mortgage
link3.gif
account

 

do we both need to do a
SAR
link3.gif

 

or will one in joint names suffice

 

any more advice would be appreciated.

Thanks in Advance

 

 

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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... 

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one sar will do.

 

 

you can reclaim everything like

arrears fees

debt advisor fees

 

 

it is debatable that you can reclaim solicitor or litigation fees

IF the were court papers served at any time

 

 

however they should be 'reasonable'

 

 

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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also look at ALL the insurance you were required to take.

 

 

the ONLY insurance that MUST be 'in-plce' is buildings cover.

 

 

and if you already had this, thaen a duplicate of that can be reclaimed too in most cases

 

 

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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  • 2 months later...

moved the random post to YOUR existing thread

please keep to this thread

 

 

if you click SAR.

 

 

its there

 

 

its also in your previous msgs in this thread

 

 

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,

Hope you can offer some advice i sent of the SAR claim letter and the lender has replied with the following.

 

They are happy to supply us with the requested information within the 40 day timescales.

 

Then they have.

 

Please note that we will not be in a position to provide copies of any telephone calls unless the following information is provided:

* Date of call.

* Time of call.

* Telephone number to which or from which the call was made.

 

We regret to inform you that without this information we are unable to identify any calls connected with your account(s) within our systems.

 

 

We would also like to advise you that we only retain telephone recordings for a period of three years.

And in some instances even with the above information we may still be unable to provide details of the call due to technical reasons.

 

This is absolutely shocking they know the date,time and numbers as they made the calls to us causing us long term stress

and and by the number of calls made nothing short of harrasment, surley this will be in notes logged on there system.

 

They are now acting totaly different shall we say the shoe is now on the other foot were chasing them.

 

What is my next step please.

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why do you need them. you need the statements

 

 

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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Thanks for the speedy reply dx100uk are they saying this about telephone calls as there will be a lot of fees due to the number of calls recieved ?

 

Will this be a way of trying to dispute the number of calls made by them to us ?

 

They will send statements within the 40 day timescales as they said in there correspondence as yet we have not recieved them, are you saying the fees charged on the statements will show when and how many phone calls were made ?

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yes

 

 

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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Good Afternoon

 

Can i just say a big thank you for all the help i am recieving on the site and thank you for your continued support.

 

Update on the situation

 

 

today i have received the infomation from my SAR request

i have checked all of the statements for late fees that bit is straight forward?.

 

The phone calls/letters to us

there are quite a few are logged on the DSAR Report ( CTB) and ( LTB)

but no fees are attached/logged on the statements for these

does this mean they have not charged us or are they just charging us though the monthly late fees?

 

Solicitors fees

can we reclaim these £907.26 in total?

 

also what interest payments can we claim back

 

the fees start from July 2007 going through on and off until October 2013

but obviously the interest on these charges would have been charged up to the time

we reedeemed the mortgage August 2014.

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CISheet v101.xls

 

 

put each/every fixed sum PENALTY fee

or arrears fee on its own line in the above spreadsheet

at their avg int rate.

 

 

you cannot put interest charges in

if they have had you in court

you cant reclaim sols fees.

 

 

lookout for debt management fees too.

 

 

did you get a copy of the org agreement too?

 

 

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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Thanks dx100uk

For your reply

 

 

the initial loan was taken out with the I Group on the credit agreement dated in 2006

it says interest will be 10.25% per annum fixed for an initial period of one month from the date of this agreement

and then thereafter at a rate of 5,75% per annum over barclays base lending rate.

 

Then on another sheet stating key account information

it states the inception date (start date)

says how much the loan is for

then on the bottom is says monthly interest rate 0.520833%.

 

What is their avg interest rate to put onto the spread sheet

 

 

any information would be greatly appreciated

 

 

i have not got a clue what it would be.

Could you please tell me why they wont allow you to claim interest if you have been to court please.

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use 10.25% wont hurt

 

 

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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if it downloads as .PHP

 

 

simply do save as and rename it to cisheet.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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when you click the document download what is the filename it shows.

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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Hi sorry its took so long to reply i still cannot open the CI sheet it says windows will not open it when i click on it it does not show a file name .

I am at a loss on how i can open it i have genuinley been trying to open it since you sent this to me it is there any other way to download it.

Thanks

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what browser do you use

and have you excel installed

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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Hi

I am still unable to download the CI sheet i am going to go to the library and see if i can download it on their computer.

 

When i have filled in all of the charges and the interest who do i send the form to ?

 

 

is it the same place where you send away for your SAR ?

 

Or is there a cover letter i can download and send it off with the completed CI sheet?

 

Thanks

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what browser are you using [internet explorer?}

 

 

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... 

Link to post
Share on other sites

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

Thanks dx100ukFor your reply yes i am using internet explorer but i do not have excell installed and i cant find the disc required to install it.My question is do i send the completed spread sheet to the same address to where i sent off for the SAR request ???Thanks one again your help is much appreciated

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