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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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Amex Debit and Credit Cards


tedney
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Any thoughts advice please. I am trying to keep "one step ahead"!

 

I have been making regular monthly payments to a number of creditors since June 2007.

 

 

The anounts were worked out with the help of a "debt assistance" organisation.

 

I have not missed any payments, and I get the "usual" (as others have on this excellent site) ocassional letters

and chasing up which I have been able to deal with OK.

 

On checking a free credit report today,

I note that a debit card company has just last month recorded a default on my file, whereas previously late payments were indicated.

 

I have never recieved any default from them.

 

 

I have received letters from a DCA, but no mention of default.

The last correspondence, dated after the default entry, was a settlement offer, which I cannot afford.

 

Should I be concerned?

 

 

Do you think they will now ratchet up correspondence and chasing?

 

Any thoughts and advice would be welcome.

Thanks

t

Edited by tedney
typo
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  • 4 weeks later...

Since Early 2007 I have been paying monthly amounts on a charge card, following a debt arrangement plan.

 

 

The charge card company passed details some while ago (around 3 years) to a DCA who have periodically contacted me,

and ocassionaly offered reduced amount to clear debt, which I cannot afford.

 

During this time CRA's have been regularly reporting a "delayed payment" for this account on my file.

 

I note that this has now changed to a default, but I have not received any communication in respect of this from either the OC or the DCA.

 

As the title says,

anyone have any ideas/opinions as to what might happen now?

 

 

Apart from extending my "bad credit" file,

are there other implications and should I be doing anything to mitigate/pre-empt any actions that the DCA and OC might take?

 

 

I still cannot afford to pay them off, nor increase monthly payments.

Thanks

t

Edited by tedney
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Hi-just out of curiosity whi is the original creditor and who is the DCA ?

Reason I am asking is that it will assist in answering your questions to know this.

 

Also you mention a debt arrangement plan-is this something you arranged or is it through a third party provider?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi-just out of curiosity whi is the original creditor and who is the DCA ?

Reason I am asking is that it will assist in answering your questions to know this.

Amex and AIC

Thx

t

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Also you mention a debt arrangement plan-is this something you arranged or is it through a third party provider?

Through CAB. Payments have not been "officially" acknowledged by either party, and I do not recieve up to date statements.

t

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After 3 years its likely that the account has been assigned to AIC.

Have you ever asked for a statement of account to show the balance/payments made/fees and interest added ?

Under the OFT debt collection guidance you are entitled to this without charge.

On your credit file does it say when the default was registered-and who by ?

Also what is the balance outstanding ?

I think it would be a good idea to be asking for statements that cover the periods of your repayments so you can see whats what.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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After 3 years its likely that the account has been assigned to AIC.

Have you ever asked for a statement of account to show the balance/payments made/fees and interest added ?

Under the OFT debt collection guidance you are entitled to this without charge.

On your credit file does it say when the default was registered-and who by ?

Also what is the balance outstanding ?

I think it would be a good idea to be asking for statements that cover the periods of your repayments so you can see whats what.

I occassionally receive letters from DCA, not OC, indicating a total balance due, which does reflect payments made, no charges or interest are being added. Correspondence from DCA says account is managed by them (not assigned?), payments are made to OC.

CRA does not say who registered, but was just done last week. Don't want to go into too many details as am aware of visitors etc to this excellent site! Balance o/s is below £K2.

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Ok understand.

Its normal for DCAs to offer early settlement discounts.

Its quite unusual though for an account of this age that has gone to collections to be still with the OC.

Given your circumstances and the outstanding balance,its not looking like theres any formal legal action in the frame-AIC know that a Court would probably only order token payments since its not as though you are denying the debt and was paying when in a position to do so.

Were there any charges on the account that you could claim ?

 

Some reading for you;

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?80307

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?79026-Amex-and-AIC

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Ok understand.

Its normal for DCAs to offer early settlement discounts.

Its quite unusual though for an account of this age that has gone to collections to be still with the OC.

Given your circumstances and the outstanding balance,its not looking like theres any formal legal action in the frame-AIC know that a Court would probably only order token payments since its not as though you are denying the debt and was paying when in a position to do so.

Were there any charges on the account that you could claim ?

OK thanks for that, and for the link on the next post too, I will look at later. Account was debit card, so was cleared each month until I ran into problems, there are just 2 return cheque charges of £15.00 each, then they stopped the account. I have not claimed for these, thinking that keeping a "low" profile might help. There was some indication and writing about "referral fees" but I wrote back and these were not added! Thanks again

t

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  • 4 years later...

I had an Amex charge card and an Amex Credit card, both of which were "cancelled" by Amex in 2007

(in the case of the charge card 2 cancellation notices were received),

all without any Default notices being received.

 

 

The charge card was taken out in 1977 and the credit card probably sometime in the 1980s/90s.

 

They were cancelled following my financial difficulties.

 

Reduced monthly payments have been paid since.

 

AIC have regularly sent "settlement offer" letters for both accounts, which I have not been able to take advantage of.

 

The payment arrangements were made with Amex.

 

There are no insurances or charges on either accounts.

 

AIC are now requesting a review.

 

Having looked through a few threads on here,

 

 

would it now be prudent to make a CCA request and/or a SAR too.

 

 

Should both these go to Amex, or AIC.

 

 

AIC letters usually state that they are "managing" the accounts for American Express Europe Ltd.

 

Any comments/views would be welcome.

 

Thanks

t

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  • 4 years later...

I made a claim on line directly to Amex on the deadline day. I supplied them with all the relevant information, and I got an email back by return on the same day, acknowledging my claim.

Since then I have not received anything from them.

They had a note on their site about a high number of claims due to the deadline, so there may be a delay, but this long?

Do you think I should just sit tight and wait?

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no ring them

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 months later...

Hello Again

In view of DX' s comments in coronavirus section, I thought I would work through the various cards etc. I am continuing to pay monthly since 2008!

I am paying direct to Amex two monthly payments one for a debit card, the other for a credit card.

I have never received statements for either card since DN's were sent. I had help from CAB at the time and am paying what the CAB suggested.

I have had no correspondence from Amex themselves, but, periodically I get an offer letter from AIC who are acting for American Express Europe Ltd, their client Their last letter was July 2019.

I obviously would like to stop paying! Should I write to Amex or AIC?

Thanks

t

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No their client

 

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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it is still a credit card.

 

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...

Well whether it does or not....ball is in their court now as they are in default of your request.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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Thats your decision tedney...and not one we can advise on.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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