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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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RBS Mint Credit Card


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Hi

I sent a cca request to mint for a copy of my agreement with them,i received the following from them and i wonder if what they sent is a true copy,is this just a application form copy,the box where they sign and date seems to have been cut and pasted on to the form and i can't read what,s dates there or who signed, also the credit amount thats there is wrong it was only around the £2,500 when first taken out.

 

http://i169.photobucket.com/albums/u230/barns66/mint-1.jpg

 

Seperate sheet they sent link below.

 

http://i169.photobucket.com/albums/u230/barns66/mint2-1.jpg

 

barns66

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They sent you an application form.

Also the terms and conditions on page two refer to charges of £12. Which were changed recently. But the application form is dated 2000.

The terms and conditions/key information should be the ones that would have been from 2000 and the ones that would have been with the agreement at the time.

 

They've just cobbled together a few bits to make it look like they have an enforceble agreement.

 

All the pescribed terms should be on the signature document. Nowhere does it refer to the second page.

 

So I would say it's unenforcable.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Quick update on this,i sent a letter pointing out that they seem to have sent me a application form and not what i had requested,waiting to hear back from them.I then got a letter from a dca telling me that they had been instructed to collect the alleged debt from by Rbs mint on the 14th July 2008 that was the same day the letter is dated that they sent with the info shown in photos.I sent the dca a email on Monday pointing out that the account was in dispute with Rsa Mint,they replied informing me that Rbs Mint have never informed them at anytime that the account was in dispute and have returned the account to Rbs Mint.It seems strange to me that they sent it to the dca before i received the info requested,waiting now for further developments.

barns66

Edited by barns66
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  • 2 weeks later...

Hi

Just a quick up date,i received a letter back from them stating as they have supplied a copy of the credit agreement that i signed,they also included in this letter 2 pages they say are the terms and conditions when the agreement was made,have they now fullfilled there obligation.I am still a bit suspect on what they have sent on 2 matters at least,Point one on the copy of the application form next to the box with gross annual income the other box contains figures of £10,000 these figure have not been entered by me,is this the credit card limit when i took the card out,if it is it's wrong as the limit was far less than that.Point 2 the box they have signed seems to have been copied and pasted in there,i can't make out the person who signed or the date signed

 

 

http://i169.photobucket.com/albums/u230/barns66/MINT55.jpg

http://i169.photobucket.com/albums/u230/barns66/MINT45.jpg

 

barns66

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Hi, its all smoke and mirrors mate, if the last box on the app form doesnt say prescribed terms overleaf (which i cant read) then its unenforceable and can only be decided upon in court

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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Thanks for your reply credit,it does say prescribed terms overleaf,i still don't understand which of the 2 pages sent this refers to,i about to send a letter to them asking for clarification on 3 points on the application form sent.I thought i had read somewhere that any credit agreement before 2005 must contain the t & c within the document and not on a seperate page.Will let you know when i hear back from them.

 

barns66

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  • 4 weeks later...

Hi barns66

 

It's very hard to read your scanned agreement, but:

 

Hi

Just a quick up date,i received a letter back from them stating as they have supplied a copy of the credit agreement that i signed,they also included in this letter 2 pages they say are the terms and conditions when the agreement was made,have they now fullfilled there obligation.I am still a bit suspect on what they have sent on 2 matters at least,Point one on the copy of the application form next to the box with gross annual income the other box contains figures of £10,000 what does the text say to the left of the box you are referring to? The '£10,000' looks very neat and may have been filled in as an example? these figure have not been entered by me,is this the credit card limit when i took the card out,if it is it's wrong as the limit was far less than that. I don't think that is meant to be any reference to the credit limit Point 2 the box they have signed seems to have been copied and pasted in there,i can't make out the person who signed or the date signed

 

 

http://i169.photobucket.com/albums/u230/barns66/MINT55.jpg

http://i169.photobucket.com/albums/u230/barns66/MINT45.jpg

 

barns66

 

Thanks for your reply credit,it does say prescribed terms overleaf,i still don't understand which of the 2 pages sent this refers to, I agree. Very hard to see, but it looks as if there is a statement which says "I accept and agree to be bound by the general conditions applying to the card as set out separately, and the details of the card as set out overleaf...." So where is the copy of the details overleaf? Even if they can supply the separate general conditions applicable at the time you took the card, IMHO that would not make the agreement enforceable in court, as they would actually have to be able to show what was being referred to overleaf. So it seems they would have to provide the original 2-sided document to prove their claim in court. Although they may not yet have provided you with a copy of the other side of the application, it does not mean they don't have it, or the original, so I guess you need to pressurize them into supplying a copy of the other side. :rolleyes: i about to send a letter to them asking for clarification on 3 points on the application form sent.I thought i had read somewhere that any credit agreement before 2005 must contain the t & c within the document and not on a seperate page.Will let you know when i hear back from them.

 

barns66

 

Good luck

Rob

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Hi Rob,thanks for your reply.

 

what does the text say to the left of the box you are referring to? The '£10,000' looks very neat and may have been filled in as an example

There is no text just £10000

 

Point 2 the box they have signed seems to have been copied and pasted in there,i can't make out the person who signed or the date signed

 

I think it as been copied and pasted as well and i can't make out who as signed it or the date it looks like 2000 but the date i can't make out.

 

"I accept and agree to be bound by the general conditions applying to the card as set out separately, and the details of the card as set out overleaf...

 

This is the text from the declaration box.

 

I apply for an RBS Avanta Card and PIN to be issued to me .I accept and agree to be

bound by the general conditions applying to the card as set out separately amd the details

about the card as set out uverleaf both as may be amended from time to time.If i have

applied for a Gold Card and my application is not approved,I confirm that this form is

am application to be issued with your classic credit card.If requested i hereby autirise

you issue am addional RBS Avanta Card (of the same type issued to me) to the person

named for use on my RBS Advanta Card account.I confirm that my personal informationmay be used as described in the Data Protection box above.I understand that for protection of customers and RBS Advanta the information i have supplied is checked and if any substantial

differences are revealed the Credit Industry Fraud Avoidance System will be informed.

 

barns66

Edited by barns66
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"I accept and agree to be bound by the general conditions applying to the card as set out separately, and the details of the card as set out overleaf...

 

This is the text from the declaration box.

 

I apply for an RBS Avanta Card .......

 

Hi

 

I was just re-emphasising what had already been said in the thread regarding the details of the card as set out overleaf as without seeing them you obviously do not know what they are (and neither would the Judge :rolleyes:). Unless RBS can show what those terms were, they cannot prove anything, so you need to insist on receiving the 'other side' of the application form. ;)

 

Cheers

Rob

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  • 4 months later...

Hi.

Just a quick update,they have now passed this on to Allied International Credit (UK) for collection,would it be a good idea to sent these muppets a in dispute letter and a cca request.I am going to get in touch with Mint again stressing i have still not received what i requested.

 

barns66

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You've done the right thing.

 

Keep up the dispute unless they provide something that's properly enforceable.

 

They'll try any tricks to con you into paying something.

 

If you feel brave enough, invite them to take you to court and prove it there. Most of them will decline that offer. Some of them have realised that taking on a CAG member is getting a bit too expensive.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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