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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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Credit score reduction


Jim Davis
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About two months ago I closed a Halifax current account.

 

I held the account for five years but never used it at all.

 

My credit report has now reduced my credit rating from good to very poor

 

due to closing the Halifax current account.

 

I am completely confused and puzzled.

 

Can anyone explain how this comes about please?

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doubt it

not got any defaults etc have you?

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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Hi,

 

Are you sure that's the only reason.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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any current running credit?

 

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

Hi and thanks for the replies.

 

I have no current running credit and no debts at all.

The Halifax account wasn't my only account as I still have a Santander account which I've held for many years.

Yes I am on the electoral roll at my current address and my credit report shows this.

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that's probably the reason then

lack of running credit

a bank account is not credit.

 

pers iwouldnt worry about it.

 

have you checked all providers

 

clearscore

Experian

noddle

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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Hi DX and thanks for your reply.

 

I have checked with Clearscore and Noddle and they both have reduced my credit score.

 

I'm not too worried about it as I'm not seeking any credit

 

I have heard that a poor credit score can prevent people obtaining employment.

 

Now if that is true then the credit reference agencies are out of order in my opinion.

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at right we're getting to the bottom of your enquiry now

no a poor credit score CANNOT hurt your employment etc etc

 

its if there are any CCJ's in most cases

or in extreme vetting [say like police/etc etc] deafults can harm too.

 

bar that it plays NO PART

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

credit

where they give you money and you slowly pay it back.

credit card

loan

etc etc.

 

your score will be low because theres no proof there you can manage your budget ...

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

Hi Ford,

 

My Santander account has no overdraft facility and neither did my now closed Halifax account.

I only have a debit card so I can only spend what I have in the account.

I have never had an overdraft or a bank loan.

However, in the past I've had mortgages which I paid back text book perfectly.

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Hi and thanks for the replies.

 

I have no current running credit and no debts at all.

The Halifax account wasn't my only account as I still have a Santander account which I've held for many years.

Yes I am on the electoral roll at my current address and my credit report shows this.

 

Why is your credit score important to you...do you intend taking more credit ?

 

The only way to improve your score is to get into more debt.....vicious circle and one which the Credit Registers are manipulating by offering deals with worse credit rates to likes of yourself with poor scores...they are all in it together.

 

Andy

We could do with some help from you.

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

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basically you are a bad customer for them as how are they supposed to make money if you dont borrow any? That is why you get a lower score, it bumps up the interest paid should you borrow as it is likely that you wont be borrowing for long when you do.

Borrow 85 billion and you get it guaranteed by the govt and it is interest free.

Hi Ford,

 

My Santander account has no overdraft facility and neither did my now closed Halifax account.

I only have a debit card so I can only spend what I have in the account.

I have never had an overdraft or a bank loan.

However, in the past I've had mortgages which I paid back text book perfectly.

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Thank you Andyorch and ericsbrother for your replies.

I think you have both hit the nail on the head.

My conclusion is that I was daft to worry about my credit score when I have no intention of borrowing

any money.

The CRA's always say it's very important to have a good credit score. However, they never say that the score

doesn't matter if you never want to borrow money.

Some CRA's imply that a poor credit score "might" damage job prospects.

What a dodgy lot they are.

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Some CRA's imply that a poor credit score "might" damage job prospects.

 

How would a potential employer know ?...they cant access it.

 

If you have CCJs and wanted work say in the Financial services Industry then you would have to divulge this data.

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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Hi Andy,

 

I understand that CCJ's are publically available information.

My credit report lists things like CCJ's and bankruptcy as publically available information.

Therefore any potential employer could use such information and correctly conclude that

you have a poor credit rating.

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so what?

 

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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Hi Andy.

 

Thanks for your reply.

 

Do you think you would have to divulge personal financial information such as CCJ's if you applied

for a job as a Project Manager within the MOD?

Project managers within the MOD are in charge of enormous budgets running into millions of pounds.

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yes

but only if they showed on your credit file.

 

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

All CCJs are recorded on the CCJ Register at Trust Online which you (others) have to pay a fee to use.....so yes you can be searched by a potential employer subject to a specific type of employment....but that depends on them having all your details to enable a check ..possibly previous address in some cases.

 

They cant access your CRAs

 

I dont personally know what the criteria search for the MOD is but would assume its more likely to be a criminal check rather than a financial check.

 

Useful links and information

 

https://trustonline.org.uk/

 

Regards

 

Andy

faq_ca8374104815.pdf

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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