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    • 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.              
    • 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...
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PRAC / BW PAPLOC now Claimform - old Paydayuk PDL


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i have been repaying Payday UK at £50.00 per month,

took out i loan for £380.00 and so far repaid £250.00 leaving the sum of £130.00 to clear the loan of £380.00.

 

they state they want £405.00 now and had this email below from Debt Collection Company :

 

Dear Mr ,

 

 

Creditor: MEM Consumer Finance Ltd (Payday UK)

Reference: ************

 

We have been instructed by the above to collect your unpaid MEM Consumer Finance Ltd (Payday UK) account.

 

This is your last opportunity to prevent your credit rating being adversely affected.

 

To pay your account in full please visit www.equidebt.co.uk or alternatively call Equidebt Limited on 01789 472 182 between 8.00am and 8.00pm Mon - Thurs, 8.00am - 6.00pm Friday or 8.00am - 1.00pm on Saturday.

 

Yours sincerely,

 

Equidebt Limited

WHEN LEAVING MESSAGES WE MAY REFER TO OURSELVES AS EQL

 

Lucky i looked in my spam file and this email was their, strange thing as i have emailed Payday UK regarding the outstanding and had no reply nor anything in writing, just this email. I have stated i willrepay the loan of £380.00 plus month fee and thats all, what next as the debt collector state they are adding fees on top of the outstanding, just a joke and buch of clowns. Trying to repay and just get no reply

 

Any Thoughs what to do next

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Payday uk are one of the worse!!! I set up a repayment plan for £50pm with the citizens advice and yep they took £635 on the first

Month instead of £50 and after 3 months no body still

Cares, the bank not do anything no one

Will so if I was u, let it go

To a crappy dca then pay them £5 a month or

Something

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  • 2 weeks later...

Hi All,

well Equidebt have emailed me relating to the payday uk loan.

They state i must not pay the lender only them

is this to get their fees .

 

I loaned 380.00 and repaid 250.00 so far

should i repay the 130.00 balance.

Or the full amount 405.00 plus ?????

 

Has anyone had dealings with equidebt or keep paying payday uk directly

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My experience with these types of companies, is I continue to pay the lender direct (via standing order) - you do not need to pay eqiedebt directly. As you say, they will probably add fees. In terms of the debt, I would pay the £130 and dispute the rest of it. Let DCA know that you believe you do not owe anything to PDUK once the £130 has been paid.

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Well just had a letter frpm Equidebt, staing they demand yep £225.00 ? ,

my only option is the repay in full or £11.25 by debit card followed by monthly payments.

 

Not falling for that one,

quote them card number and just like magic they empty the account.

 

Sending them £130.00 only and thats all their getting.

just getting to double check their bank details.

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  • 4 years later...

My wife has just had 3 letters today:

 

Letter 1 from Payday Uk stating they have now sold the debt to PRAC Financial Ltd on 9th December 2016, giving a formal notice of assignment of the debt

 

Letter 2 from PRAC financial stating they now own the debt of £349.77 & B W Legal will be acting as their Agent.

 

Letter 3 From B W Legal stating as the agent for PRAC they are demanding full payment of a debt which was £100.00 and is over 5 years old.

 

If this debt is over the 6 years is it classed as statute barred and are all debts over this timescale removed from a credit file

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  • 8 months later...

irresponsible lending?

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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  • 8 months later...

Well had a letter today stated " Letter of Claim " 5 pages in total.

They have confirmed if we do not reply by 6th August they will apply to the court for CCJ,

they are asking for income details and the following

 

Letter Reply form

 

Box A - I agree to the debt

Box B - i owe some of the debt

Box C - I don`t know about the debt

Box D - I dispute the debt

Box E - I will pay the debt now

Box F - I will pay but need time to pay

Box G - Getting advice

Box H - I have provided documents

Box I - I need more documents or information

 

Lists Particulars of Debt

 

Debt dated 29th November 2013 assigned on 9th December 2016 to PRAC Financial

 

My question is

should we wait until they issue court CCJ

or send off for more information including signed paperwork etc

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they cant issue a CCJ

you mean a claimform.

 

and it doesn't say WILL anywhere go read it properly!!

 

you need to follow as

here

https://www.consumeractiongroup.co.uk/forum/showthread.php?481827-The-Pre-Action-Protocol-for-Debt-Claims-is-made-by-the-Master-of-the-Rolls-as-Head-of-Civil-Justice.-1st-Oct-2017

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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no!

you must reply if its a letter of claim

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 they sent you this:

PAP blank reply form.pdf

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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then you must reply

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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ok thanks

 

will send off paperwork and see if they reply,

 

strange as they have not chased for along time was hoping it was SB account.

 

Thinking back it was not repaid and dates back to Nov 13.

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then its not SB'd……………

 

post up your reply 1st here

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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Just subbing your post, I have had the same.

 

They say my agreement is dated * 2014 and yet I have had no credits to my bank account at all from Payday during 2014.

 

I am going to ask what bank account they paid into and on what date.

 

Check your bank account as well.

 

Surely, if your agreement is dated whatever you requested a loan from them on that date and you would have received monies from them

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  • 1 year later...

We have had a letter today from B W Legal with heading Letter of claim relating to very old debt from 29th November 2013, they have sent emails offering 65% discount etc. they now have given date 23rd November to repay or face action they have enclosed particulars of claim and Annex 1 information sheet, reply form asking for debt points 

 

 Box A - i agree i owe the debt

 

Box B - I owe some of the debt

 

Box C etc to Box G 

 

and requesting income details as well

 

Should we do nothing and wait 

 

Thanks for help 

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I will gather this is a PDL of some kind?

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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