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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?    
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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...
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old £7k welcome loan, now with prime - they say i owe £15k!!


marsway43
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Hi, I need some help with an issue.

 

I'm currently collecting evidence against a finance company who say I had a secured loan in oct 06.

I did take out a secured loan with this company in Feb 06.

 

My question is if a charge was placed against my property in Feb 06 for a £7k loan, if I had then taken out a loan with the same company for £12k in Oct 06 would they have had to raise another charge.

 

I have requested this info from Land registry and am waiting for them to get back to me.

Edited by dx100uk
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name names

tell us all the story please

 

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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company I took out the loan with was welcome finance,

I have the original paper work for the loan in feb 06 for £7000 over a period of 84months 7years, bringing the loan to a close feb 13,

for one reason or another I did not notice that the loan should have finished until I had issues lately making re-payments.

 

I was informed by the now company Prime Credit that the loan I took out in Oct 06 was for £12k over 15 years.

They have no signed paper work to support this, no evidence that I have had the loan.

 

I have bank statements and original documents to confirm a loan in feb, but nothing in oct.

My bank statements show no payment in from this company in oct 06.

 

I'm trying to get back the £13500 I have over paid them in the last 5 years.

 

Prime credit who took on the account in 2016 have dismissed my complaint hiding behind a time barred loop hole, as it is over 6years old.

The ombudsman has been involved but Prime credit are not regulated by the FSA although it seems their administrator Acenden Limited are.

 

So I'm try to collect all the evidence I can to prove I never had this loan so I can make a case against someone

Edited by dx100uk
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ho ho ho

how did I know it was welcome and prime credit

 

moved to the welcome finance forum

 

have you sent welcome an sar?

I bet you re financed or indicated to welcome at some point that you wee in difficulty

and you are now suffering the re write syndrome that all welcome finance telephone ops did at that time

that is to fill out a new agreement without you knowing and even forging you sig.

 

hard road ahead i'm afraid

 

read me

https://www.consumeractiongroup.co.uk/forum/showthread.php?467097-Welcome-secured-loans-charge-sold-to-Alpha-Prime-repo-received-***Claim-Dismissed***

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

Yeah seems there are a number of people with issues with them, any advise of where to go ?

 

The way I see it is there is no point going after Welcome as they would just pass it to their liquidator.

 

So I assume it's Prime I need to pursue, I have logged a complaint with Acenden who are the administrator for prime.

 

Any advice would be appreciated as I want the £13500 I have overpaid them back.

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who says you didn't owe it?

have you sent prime a CCa request

have you sent welcome an free sar to get everything they hold on you?

 

id 99% guarantee you re financed and you do did owe the money.

 

the charge stands for any latter associated amount if it was another rewrite that settled the charge agreements sum

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 say I don't owe it.

The 7k was never in dispute that I took out in Feb 06, where the 12k came from in Oct 06 I do not know, I never refinanced or contacted them in any way.

 

Payments always on time. T

he only thing that we did do was reclaim the PPi some years ago.

 

I have not sent a CCA or SAR yet,

I wasn't aware of what they were, thank you.

I will get them sent to them asap

 

Prime have told me they have been in touch with welcome and they have no original documents for this loan

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do not listen or believe a word prime nor welcome say.

 

get that CCA running to Prime

get that SAR running to welcome.

 

go read that thread I posted earlier. too

 

it would also be of benefit if you post up all the comms with everyone in date order to ONE multipage PDF

read Upload.

 

we have an expert here who'll be along soon.

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

Omg your in for some fun....

 

Dx I wouldn’t say I’m an expert but I’ve had almost 3 years of banging my head up against a brick wall with these...

 

Can you get a copy of the title register from the land registry to see if prime/Alpha credit are on there.

 

Do not take your eye of the ball with this at all

 

Get 2 files going one for prime one for welcome. All will become clear a year or 2 in... I know have 4 big files.

 

Every letter you send to welcome put in one file and each response you get in after and do exactly the same with prime...

 

If you had Ppi get on to welcome asap and get a claim going.. it will only come off your debt but will help you if prime issue court...

 

I know my thread is massive and a bit confusing but if you start on first page then skip to where Prime came in roughly page 8.. then it all starts hotting up .

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Thanks, I think... lol And there was me hopping with all the evidence I have that this would be a quick fix.

I'll have a read of your thread properly and will get myself some files.

Thanks again

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You’ll need a bottle of something and a few hours!!! 😂

 

Don’t think anything will be a quick fix with prime. And do not expect them to respond and properly answer your questions.

 

Never ring them.

 

Land registry ASAP pay £3 and get your deeds after this you may need to pay a further £7 to get more info

https://eservices.landregistry.gov.uk/eservices/FindAProperty/view/QuickEnquiryInit.do

 

https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/709860/OC2__2018-05-25_.doc

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  • 1 month later...

so hows the sar and cca doing?

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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