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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.              
    • 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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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

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      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Big inflation coming 2017 – stop borrowing, start repaying. Urgent!


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UK inflation will quadruple to about 4% in the second half of next year and cut disposable income, a leading think tank has forecast.

 

The rise in prices will "accelerate rapidly" during 2017 as the fall in sterling is passed on to consumers, according to the National Institute for Economic and Social Research (NIESR).

 

The revised figure is sharply higher than the 3% it forecast in August.

 

The economy also faces "significant risks" that could restrict growth.

http://www.bbc.com/news/business-37838087

 

Most loan agreements are tied to variable interest rates. This is certainly true of mortgages, credit cards and overdraft.

 

A dramatic rise in inflation is forecast for the second half of 2017 and will likely continue right through until 2020.

 

If you have an agreement with a variable interest rate then the cost of your loan and therefore the size of your required repayments are going to increase dramatically.

 

If you have calculated your ability to repay based on the record low interest rates which we have experienced over the past few years, then you better sit down and start having a serious think about your position.

 

The good days are all coming to an end.

Next year, you will receive notification from your lenders that they are putting up the interest rates and that your payments will be increased from the next 30 or so days time.

 

This sudden increase in your loan payment outgoings will have a dramatic effect on your disposable income for paying for things such as food, clothes, heating, lighting et cetera for you and your children.

 

If you want to protect yourself then the only solution is to start making accelerated payments now so that you can reduce or get rid of your liability before June/July/August next year and also to stop borrowing.

 

The situation is fairly simple.

Would you rather be paying your hard earned cash to your bank or some disreputable payday lender?

Or would you rather be spending it on yourself and things which make a difference to you and your family?

 

 

 

Stop borrowing.

Next year, you may not be able to afford to pay it back.

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This is also going to royally screw all students who have relied on student finance as interest charged is RPI based . A typical student will come out with say 50K of debt

 

If they start eating 22 K they will repay 90 a year BUT if Inflation hits 4% there loan will attract 4% interest which is £2000

 

If they earn 41K they will pay £1800 back but will be charged 7% interest which is £3500 . In effect most students will be trapped in a cycle of debt for 30 years - no doubt the government will use this to alter the terms of repayments so that students will have to pay significantly more back

Any opinion I give is from personal experience .

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Wise advise. Over the last few years there has been an increase in people taking up credit, encouraged by Banks and government. When the economy starts to suffer, then the Banks will look to secure their positions by increasing rates.

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Thing is that people live well beyond their means.

I see some colleagues driving brand new £50k+ cars and moaning about having debts.

In my days you only bought what you can afford in cash, apart from your home.

Nowadays we're encouraged to maximise our credit and be in debt for the rest of our life.

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Thing is that people live well beyond their means.

I see some colleagues driving brand new £50k+ cars and moaning about having debts.

In my days you only bought what you can afford in cash, apart from your home.

Nowadays we're encouraged to maximise our credit and be in debt for the rest of our life.

And that is what our economy and growth has been built on.

Any opinion I give is from personal experience .

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It would be nice if people were to heed this message this time round. Sadly there will still be families who will either miss out their CT or mortgage payment or take out PDLs or even resort to Brighthouse ! over Christmas/January because they give into their children for expensive toys/technology.

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Dealing with Customer Service Departments? - read the CAG Guide first

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Advice & opinions given by citizenb 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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Yesterday a colleague was moaning that he hasn't got money until payday (20th nov), yet he used his cc to by a £500 console to his 5 year old son for Christmas.

My reaction: What you gonna buy him when he turns 18? A house???

 

He also mentioned that he is bored with his 18 month old car on finance and looking to get a BMW which would work out "only" £450 a month.

Doesn't make any sense to me...

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And now this BBC article http://www.bbc.com/news/uk-37873825 says the same thing

 

"But with interest rates so low at the moment, it's easy to think that high levels of debt are manageable.

"On Thursday, Mark Carney claimed inflation will rise to 2.7% next year.

"More inflation means higher interest rates, which we'll all have to pay on our mortgages, loans and credit cards.

"If you're in debt, particularly if you have a variable mortgage, it's time to prepare by taking control of your finances."

 

 

– except that you heard it on the CAG first.
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And friends said i was silly to fix my mortgage for 5 years in may

 

Glad i did now :-)

 

Yes, it was a very good move. Well done. Your friends will regret that they didn't do it themselves.

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If interest rates go up and I am sure they will what does this mean for the economy and the building trade in particular

 

Will it just lead to a spiral of inflation and interest rate hikes that we saw under Thatcher followed by mass unemployment. For all her efforts to reduce the role of the state she was not able to reduce welfare spending because of all the people she threw on the scrapheap

Any opinion I give is from personal experience .

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  • 1 month later...

I've been saving up for a good few years now, I almost had enough to afford the down payment on a house, but now with this inflation... looks like we'll still be renting for a while :( I'm quite clueless in this area though, not sure how to figure out what's best to do. Is it likely at all that the sterling will go up again within the next few years, or should I just accept the inflation and take out a mortgage?

 

I can't help feeling I was just born a few years too late!

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I've been saving up for a good few years now, I almost had enough to afford the down payment on a house, but now with this inflation... looks like we'll still be renting for a while :( I'm quite clueless in this area though, not sure how to figure out what's best to do. Is it likely at all that the sterling will go up again within the next few years, or should I just accept the inflation and take out a mortgage?

 

I can't help feeling I was just born a few years too late!

 

Property prices are a reflection of not enough supply compared to demand. UK population will grow by about 2 million within the next 5 years, so even more demand. Prices will keep increasing until there is enough new properties to cater for the demand. This is very unlikely. I can't see there being a price crash due to economics. If the UK economy is affected, causing repossessions to happen, then this just means those with cash getting cheaper properties to make money from by selling on or renting out.

 

If you are in stable employment and can afford to get on the property ladder, then it is worth doing. When a flat sold in my road for £155k about 4 years ago, i thought the buyers were mad. But now the same flat in good condition would sell for £200k. There is a new development of similar sized new build flats for retired people not to far away selling for over £300k. I can't see any reduction in property prices and rental prices increasing. If people buying buy to let properties are paying more, then this will be reflected in the rents they want to charge.

 

The UK is not in a unique situation. They have the same problems in Australia, New Zealand and US. You would have to be on a fantastic salary to live anywhere near Sydney.

 

If you speak languages, have qualifications/skills you are better living somewhere else, if you can get a good job.

We could do with some help from you.

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Something to think about is , if interest rates rose by 1 or 2 % could you afford the increased repayments, It really isn't that many years ago that interest rates were at 15 % (ok 25 years but doesn't seem that long). Of course no one can force what will happen and remember that while the Euro may or may not collapse it is the value of the £ against other major currencies that matters. Oil will increase in price next year due to the cap put in place by OPEC , well thats if the world economy carries on as it is now , if the $ gets stronger , oil goes up even more to us which will push inflation up, most analysts believe inflation will increase next year anyway.

 

I'm sorry but no crystal ball here

Any opinion I give is from personal experience .

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Property prices are a reflection of not enough supply compared to demand. UK population will grow by about 2 million within the next 5 years, so even more demand. Prices will keep increasing until there is enough new properties to cater for the demand. This is very unlikely. I can't see there being a price crash due to economics. If the UK economy is affected, causing repossessions to happen, then this just means those with cash getting cheaper properties to make money from by selling on or renting out.

 

If you are in stable employment and can afford to get on the property ladder, then it is worth doing. When a flat sold in my road for £155k about 4 years ago, i thought the buyers were mad. But now the same flat in good condition would sell for £200k. There is a new development of similar sized new build flats for retired people not to far away selling for over £300k. I can't see any reduction in property prices and rental prices increasing. If people buying buy to let properties are paying more, then this will be reflected in the rents they want to charge.

 

The UK is not in a unique situation. They have the same problems in Australia, New Zealand and US. You would have to be on a fantastic salary to live anywhere near Sydney.

 

If you speak languages, have qualifications/skills you are better living somewhere else, if you can get a good job.

 

 

I am actually thinking about moving abroad - the company I work for has an office in Israel, I speak the language... but all my savings are in sterling! Before the Brexit vote, I almost had enough money. Now, when I convert it to shekel, I get 20% less.

 

 

I have very little understanding of the market at all, economics are NOT my strong point. Or even a point at all. So should I convert it and buy something smaller, or keep saving and risk my savings being worth even less... I don't know!

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I've been saving up for a good few years now, I almost had enough to afford the down payment on a house, but now with this inflation... looks like we'll still be renting for a while :( I'm quite clueless in this area though, not sure how to figure out what's best to do. Is it likely at all that the sterling will go up again within the next few years, or should I just accept the inflation and take out a mortgage?

 

I can't help feeling I was just born a few years too late!

 

4 years ago I had split up with my ex, And was paying half a small mortgage which i still pay to this day

 

I was renting a house and it was costing me £650 a month in rent

 

I decided that i had to buy another house as i hate renting, So i worked 60-80 hours a week until i have my 10% deposit, Couldn't do help to buy as i owned another house

 

I bought this house 2.5 years ago on an 18 year mortgage, And i still pay £20 a month less than i paid in rent back then, And now fixed for 5 years

 

Rents are climbing rapidly these days, It is nearly always better to own than to rent

 

I have a great final salary pension, And i really didn't want to retire and have to pay out big rent from it

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4 years ago I had split up with my ex was paying half a small mortgage which i still pay to this day

 

I was renting a house and it was costing me £650 a month in rent

 

I decided that i had to buy another house as i hate renting, So i worked 60-80 hours a week until i have my 10% deposit, Couldn't do help to buy as i owned another house

 

I bought this house 2.5 years ago on an 18 year mortgage, And i still pay £20 a month less than i paid in rent back then, And now fixed for 5 years

 

Rents are climbing rapidly these days, It is nearly always better to own than to rent

 

 

True - thanks for this. The problem is that I don't quite have enough yet, because of the fall of the sterling. Buying on paper is quite a popular option, as it's quite a bit cheaper, but it also means that I would have to pay rent as well as mortgage until it's built. Part of me is saying - go for it, you'll figure out where the money is coming from - and part of me want to hold back, waiting until I have a bit more saved up.

 

 

On the bright side, I got a raise today!! :) I'm celebrating!!!

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I am actually thinking about moving abroad - the company I work for has an office in Israel, I speak the language... but all my savings are in sterling! Before the Brexit vote, I almost had enough money. Now, when I convert it to shekel, I get 20% less.

 

 

I have very little understanding of the market at all, economics are NOT my strong point. Or even a point at all. So should I convert it and buy something smaller, or keep saving and risk my savings being worth even less... I don't know!

 

Move to Israel where it is cheaper to rent. If you can get a good salary, you might save more. You can keep a UK savings account, if you use a relatives address for bank record/communication purposes. When Sterling picks up in value you can transfer money to Israel if you wished and to buy a property there.

 

Worth looking into.

 

The UK is going to become a very overcrowded country ( more than now), as immigration controls after Brexit are unlikely to reduce net migration numbers. Brexit might deal with EU migration, but instead UK will offer visas to people from outside the EU. Building of new houses will never keep up with the demand there is for places to live. Therefore prices will keep increasing, as will the rent.

We could do with some help from you.

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When Sterling picks up in value you can transfer money to Israel if you wished and to buy a property there.

Any idea how long that will be?

 

 

Most of my savings are in Santandar's 123 so I'm getting good interest, but I don't want to have to rent for a few years before buying. As I mentioned, buying on paper is an option - but then I'd still be paying rent... why can't life be simple?!!!

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Any idea how long that will be?

 

 

Most of my savings are in Santandar's 123 so I'm getting good interest, but I don't want to have to rent for a few years before buying. As I mentioned, buying on paper is an option - but then I'd still be paying rent... why can't life be simple?!!!

 

No expert and i think experts would find it difficult to predict, given the uncertain circumstances.

 

But i think Sterling will gradually increase over the next year against both Euro and US Dollar. I can't see the current value of Sterling being maintained for too long. You have elections in some EU countries, EU mainland Banks weaker than most UK Banks and UK economy is outperforming many. Investors will therefore look to the UK and i can see Sterling rise by at least 10% against other currencies.

 

If you search online you will find predictions on currency levels over the next 12 months.

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 OTHERS

 

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No expert and i think experts would find it difficult to predict, given the uncertain circumstances.

 

But i think Sterling will gradually increase over the next year against both Euro and US Dollar. I can't see the current value of Sterling being maintained for too long. You have elections in some EU countries, EU mainland Banks weaker than most UK Banks and UK economy is outperforming many. Investors will therefore look to the UK and i can see Sterling rise by at least 10% against other currencies.

 

If you search online you will find predictions on currency levels over the next 12 months.

 

 

 

Ok, thanks for your advice

 

 

Your sage words have filled me with confidence! :)

 

 

 

 

(and I love your elephant, she's hypnotic!)

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  • 1 month later...
And friends said i was silly to fix my mortgage for 5 years in may

 

Glad i did now :-)

Colin, IMHO your absolutly on the button. If you can borrow on the present low rates, are able to get fixed rates and inflation takes off you would be quids in. The winners at the momement are those with fixed rate low interest loans and the losers are the carefull one's with loads of savings and earning next to nowt interest rates waiting whilst inflation erodes the buying power of their cash. Or worse still, they end up in a care home. House and cash gone.

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