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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
    • 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.              
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13% rise in personal insolvency as 'tide turns' for household finances


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Figures from the Insolvency Service show 90,930 personal insolvencies were recorded across England and Wales, rising 13.1% from 2015.

 

It is the first time since 2010 that the number of people entering insolvency has increased year-on-year.

 

 

 

 

 

http://www.expressandstar.com/business/uk-money/2017/01/27/figures-show-steep-rise-in-recorded-personal-insolvencies/

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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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Mark Sands, a personal insolvency partner at RSM, said: "In 2015 we saw the lowest levels of personal insolvency in over a decade, but the latest figures for 2016 show that the tide has now turned.

 

"Despite record low interest rates and high employment levels during the year, many more people found that they could no longer keep on top of their debts."

 

Recent Bank of England figures have shown strong rises in consumer credit, prompting concerns from charities that people could be at risk of over-stretching their borrowing.

 

 

 

Read more at http://www.expressandstar.com/business/uk-money/2017/01/27/figures-show-steep-rise-in-recorded-personal-insolvencies/#zXLG05Xl3YhbT0mf.99

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3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

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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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It is current government policy to see an increase in personal/household debt. George Osborne when he was chancellor factored in a large increase in debts and banks were encouraged to loan more money. Philip Hammond has continued this policy. This is why the UK is doing better than other economies. Consumer spending on credit proping up retail sector. Credit card debts are at record high.

 

If there is another financial shock, UK banks will be in trouble again and will need another bail out.

We could do with some help from you.

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It is current government policy to see an increase in personal/household debt. George Osborne when he was chancellor factored in a large increase in debts and banks were encouraged to loan more money. Philip Hammond has continued this policy. This is why the UK is doing better than other economies. Consumer spending on credit proping up retail sector. Credit card debts are at record high.

 

If there is another financial shock, UK banks will be in trouble again and will need another bail out.

 

 

I think consumers are daft to keep spending whilst there is so much uncertainty for the economy. Councils are almost certainly going to increase Council Tax - we are not sure if employment is going to be secure. It will only need for the BoE to increase interest rates and a lot more people will be in trouble.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

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

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 2 weeks later...
Are there any figures for Scotland ? re insolvencies.

 

Works slightly different in Scotland Tom

 

https://www.thegazette.co.uk/insolvency/content/172

 

http://www.scotlandstowns.org/scottish_towns_power_big_improvement_in_personal_insolvencies

We could do with some help from you.

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It is current government policy to see an increase in personal/household debt. George Osborne when he was chancellor factored in a large increase in debts and banks were encouraged to loan more money. Philip Hammond has continued this policy. This is why the UK is doing better than other economies. Consumer spending on credit proping up retail sector. Credit card debts are at record high.

 

If there is another financial shock, UK banks will be in trouble again and will need another bail out.

 

To save bank "bail outs" and save taxpayers money there has been devised "bail ins". There has been a law passed both sides of the Atlantic where if banks get into trouble they can bail themselves out using depositors funds. When people put their money into the banks it gets put on a loan ledger where the bank has "borrowed" your money so when in trouble you become a creditor just like in a bankruptcy and the "loan" (your cash) would not be paid back.

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Interesting, thanks for that, I had missed it :) A quick search " uk bank bail in law " produced this,

 

 

http://truepublica.org.uk/united-kingdom/grand-theft-auto-uk-eu-bank-depositor-bail-regime-implemented/

 

 

One bit jumped out, " This is an admission by the British government that the £85,000 deposit guarantee scheme is flawed and that the British depositors protection promise is simply a sound bite and not financially supported. "

 

 

Time to go back to a cash society ?

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Interesting, thanks for that, I had missed it :) A quick search " uk bank bail in law " produced this,

 

 

http://truepublica.org.uk/united-kingdom/grand-theft-auto-uk-eu-bank-depositor-bail-regime-implemented/

 

 

One bit jumped out, " This is an admission by the British government that the £85,000 deposit guarantee scheme is flawed and that the British depositors protection promise is simply a sound bite and not financially supported. "

 

 

Time to go back to a cash society ?

 

Talking about cash, try "abolition of cash" on Google. Money Week "The Indian government has removed from currency 1000 and 500 Rupee notes and put a limit on ATMs of 2000 Rupees

 

Chase Manhatten, in half of their branches they neither accept or pay out cash and car loans, credit card bills and mortgages cannot be paid in cash,

 

David Cameron has told Police that if anyone is carrying over £1000 they demand to know where the cash has come from and if it cannot be verified they will confiscate it (Professional Builder)

 

Bank Of England hasn't printed any £50 since 2015

 

In France and Spain it is illegal to pay a bill in cash over 1000 Euro's or there is a fine of 25% and 40% (respectively) of the value of the bill. (Guardian of Telegraph)

 

I have had a letter from Barclay's that if I owe the HMRC or any other authority then they can demand Barclays take it from the account. What I do owe the HMRC and what they think I owe are two different things! People really do need to take notice of what is going on.

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and the call us 'conspiracy theorists' ?

 

 

thanks for the heads up about HMRC, I am not with barclays, but........ working tax credit are after me, because concentrix put a 'note' on my file, to say I was living with someone ? I'm not - they just made it up ! is that criminal fraud?

 

I know there has been a lot of trouble with Concentrix. My daughter had a demand back for tax credits and she got out of it, never paid it back. I think there was a rule about if it was their mistake it made a difference but I don't know exactly what it was.

 

I make it a rule not to deal with third parties nor pass their "security" as I have no contract with them (contract law). beyond that I don't know the answer. In a dispute I always ask for full accounting and terms and conditions, what laws are they using. Do everything in writing. I sign everything "without prejudice" and write that partially overlapping the signature. That means you can't be held liable for anything said if they don't fully disclose everything. Put the onus of proof on them. HMRC books are in such a mess they don't know what they are doing and they find it difficult when you don't speak to third parties.

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