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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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First National Bank PPI


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I had a secured First National Bank loan in the late nineties which I believe had PPI.

At the time FNB was owned by Abbey National/ Santander.

 

I submitted a PPI enquiry to Santander but they only came back with details of my old bank account with them.

 

I believe that FNB were purchased by GE Money at some point.

Should I be making my enquiries with them?

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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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This is, as they say, interesting.

 

The reason I made a PPI enquiry to Santander about this was that The Claims Guys sent me a form with First National Bank on it but without any account number. I took out an FNB loan in the very late nineties and paid it back in 2002. I should mention that I used the Claims Guys to make enquiries and I've submitted the resulting three claims myself.

 

To get more details I made an enquiry on the Santander website but they only replied with details of my old current account. When I rang them up, they gave me details First National Bank with an address in Harrow. I'm not sure that there's any business there anymore since there's no website and emails bounce.

 

I subsequently read that Santander sold FNB to GE Money in 2003/4. I have just rung them and they took details of my name, old address and date of birth. They then said that they couldn't find me on their systems. The only way they could proceed is if I supply the account details and proofs of identity.

 

I think I'm being given the runaround here which is unsurprising given that Santander are in the mix.

What I find curious is that the Claims Guys enquiries seem to have found something.

Given that both Santander and FNB effectively still exist albeit the latter is trading under a new name,

 

I find it hard to accept the excuse that they don't have the paperwork particularly when I remember that I had to make a DPA court claim to get Santander to comply with a subject access request over bank charges 10 years ago.

 

Could anyone confirm who I should go after here?

The lack of paperwork is very convenient but I'm unsure who I would actually make a PPI complaint to.

That would at least give me a starting point.

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you need to read all those threads I sent the link about.

 

rung who? GE?

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

really that's rare for them to even bother to help at all

they ALWAYS state its nothing to to with them but the broker you used.

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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Share on other sites

They were actually very nice over the phone taking my details and then checking their systems. They even put me on hold whilst they checked another system. They were really apologetic at the end.

 

However, I'm not buying it. I don't believe for one moment that they don't have records going back decades even if they bought the company from someone else. They would have acquired all of the archives. What I could believe is that the records are on microfiche or on scanned microfiche somewhere.

 

From the threads it's pretty clear that I have to go after GE. I think a subject access request with some additional comments about their obligations in respect of offline records is the way to go.

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  • 1 month later...

Quick Update.

 

I had a reply from GE saying that they had no information about me to respond to my Subject Access Request.

 

Still cashed my £10 cheque though.

 

In the meantime I obtained a copy of the title deeds to my then house using a historic records enquiry at the Land Registry.

 

This listed the legal charge that FNB put in place.

 

I have now obtained a copy of this from the Land Registry.

 

This is a copy of the loan agreement with FNB with an agreement number and shows the amount added for payment protection insurance.

 

I'm sending a copy of this with a FOS PPI complaint form to GE.

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well done

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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Share on other sites

use the land registry site make sure its the .gov.uk one mind!!

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

  • 2 weeks later...

Fscs

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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Great advice i got original credit agreement from land registry. FNB have now said PPi was sold by The Mortgage Market north west, and they have gone bust so tuff. Any ideas ?

to start, start a thread on it.

were they regulated/fsa covered

:)

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  • 2 months later...

Finally had a reply from GE.

 

They say that the policy was sold by "Financial Funding" from Blackpool.

Looking at Companies House, they seem to be active but I suspect they're in administration. Has anyone come across them or had any experience of making a claim.

 

I have to say that I have some difficulty in agreeing with GE's assertion.

They bought First National Bank's loan book from Santander.

I took out the loan over the phone and I know it was FNB that I rang rather than any broker.

 

In their letter GE go on to say that they won't respond to any further correspondence and there's no complaint route through the Financial Ombudsman.

 

Any thoughts on where to go from here?

 

Just double checked and Financial Funding were struck off in 2009 but restored to the register for some reason in 2016. I doubt whether there's any resources there to claim against.

 

I think the FSCS may be the route to go down.

 

And the FSCS doesn't work for me as the policy was taken out before 2005 :(

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you need to find out or work out

who were the insurance [PPI] underwriters then go after them.

they would have been regulated

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 dx. Any idea where to start with doing that. All I have is the loan agreement filed with the Land Registry.

It refers to Financial Funding as the brokers but gives no more details than that.

The GE letter gives an address which is how I was able to get to the Companies House record.

 

The only thing I can think of is a SARN to the FF address but I suspect there's not much chance of them having any records for a company that was struck off ten years ago.

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if you search threads here you'll find the info you want.

 

use the search CAG box of the top red toolbar

 

some like

 

first national bank underwriters

 

post 2 link refers too I expect

 

not got time now meself i'll try later

but the info is here

and we've had results.

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 dx. I'm in full search mode.

 

FF were restored to the register by a solicitor acting on behalf of a creditor. This could well be a PPI claim as the firm seem to be heavily involved in that market. I've therefore made an enquiry with them to see what information they might be willing to disclose.

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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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Share on other sites

I've been working my way through the forum and the links provided by dx.

 

There are a couple of underwriter options and Cardiff Pinnacle look like the strongest candidate. I'm trying to work out how to approach them given that literally the only paperwork I have is the credit agreement. I can submit a SARN but it's highly speculative.

 

One thing that has been troubling me is the way that GE are trying to wash their hands of this matter.

 

Most of the PPI claims against them appear to be for home improvements taken out through companies like Zenith.

 

In these cases the claimants contracted with a third party and the finance was provided through First National Bank.

 

When I took out my loan I was a mortgage customer of Santander/ Abbey and I remember ringing up First National Bank using a leaflet that came from Santander/ Abbey with some other mortgage correspondence.

 

FNB was a wholly owned subsidiary of Santander/ Abbey at the time and FNB were based in the same Harrow location as Santander/ Abbey.

 

At no point did I speak to anyone from the Financial Funding brokerage and I think that the first time I saw their name was on the loan agreement.

 

I think this is subtlety different from the majority of cases in the link as I was dealing with FNB as both the seller of the 'product' and as the funder.

 

I am wondering whether there is a way of directly pursuing GE Money as the new owner of the business and the seller of the PPI policy rather than going after the broker/ underwriter.

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