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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?    
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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.              
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jellybabe vs Littlewoods Flexi


jellybabe
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Still not received any statements, but then, they still have until the 02.08. to supply them.

 

Nor have i received my CCA yet.

 

..sent request on 11.06.

..£1 credited to account on 13.06.started counting 10+2 days after that.

..Littlewoods is therefore in Default.

..am i right in thinking that Littlewoods commits a criminal offence on the

25.07.?? And they can not enforce anything without the courts after

that date??

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ukaviator?Are you around??

Thanks again for that letter, it has been sent off on the 9th July.

Haven't had a reply yet.

There 12 days + 30 days runs out on the 25th July.

I have stopped paying them. But after reading a few threads about it, am very scared now.

I am aware that they will probably issue a default. Would it be advisable to offer lower payments until the dispute is resolved, or should i stick to my guns?

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Hi jellybabe just had a quick read of your thread from my knowledge of Littlewoods they will not have any agreement if your account was started before middle of 2006. They will send you a blank agreement(maybe with your name and address printed on it) and some goblede gook about this is a copy of agreement we sent you bla bla bla. Then you know they have no agreement. Then it's up to you if you pay or not, I use the rule if they have treated me with respect then I will treat them the same, of my creditors 3 had properly executed agreement that had to be paid, one had an unenforceable agreement but charges and interest applied to the charges were greater than the account balance so I reclaimed them. Three treated me like rubbish and had either no agreement of unenforceable agreement so I stopped paying. There was also one creditor that treated me with respect and due to this even though they had no agreement I paid off the debt with then.

 

 

all the best dpick:)

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Thanks dpick,

I will wait and see what my statements say then, once i receive them.

They have until the 02.08. to supply them.

Just hope they don't default me until then.

 

 

Hi a default and no agreement is a no no.

default where the value contains charges and interest with no agreement to allow is a no no as per FOS my claim.

 

dpick:)

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Thanks dpick,

i think you can tell how scared i am from getting a default. I know they shouldn't, but they will certainly try to get away with it, won't they?

Not sure what to do if they default me (even though they shouldn't), but it might be best not to think about it until it actually happens.

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Thanks dpick,

i think you can tell how scared i am from getting a default. I know they shouldn't, but they will certainly try to get away with it, won't they?

Not sure what to do if they default me (even though they shouldn't), but it might be best not to think about it until it actually happens.

 

I know this is not much of a guide but Littlewoods put two defaults on my wife's CRA file used two different id's Legal direct rec's and Littlewoods finance though they are both the same Littlewoods finance Ltd. I reported this to FOS they advised Littlewoods to remove one even before investigation began and they have now recommended that Littlewoods remove the second after investigation.

 

dpick

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Right then,

Today i received my CCA and it seems to be eligible.

I think i will draft a letter up saying that i will start paying again, but that the account is still in dispute due to the charges levied on there.

They still haven't complied with my S.A.R. and i might just remind them of this within the letter. I wonder if i stand a chance of sending reduced payments until the dispute is resolved??

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Hi Jellybabe

 

I'm still about, zipping around all over the place, how are you getting on?

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Hi ukaviator,

Thanks for dropping in. I have received all my shop direct statements. Am in teh process of doing my prelim right now. The thing i'm a bit worried about is, all my statements and stuff came in a big envelope not sufficiently closed, just a little bit cellotaped. the post woman left it on the side of my door and the envelope was opened. Is this anything i have to report somewhere?

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Still not sure what to do about receiving my S.A.R. details in an open envelope?

Nevertheless, got my prelim printed ready to go tomorrow.I'm after £437.59, that includes contractual interest at 35.9%.

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Hi Jellybabe, are you charging interest straight on top of the £437.59 or are you going through the spreadsheets?

 

When I wrote mine for GEmoney I did it on paper, adding the charge and then interest soley on this charge for the months till the next charge, adding this then interest on top again. I used around 30% but then divded it over 12 months working oiut the monthlky interest. On 3 accounts totalling £318 I seperatly worked out the interst and came up with a total of around £60. Would you say this is fair and reasonably accurate?

 

I sent off my Sar to littlewoods and they just added the £10 to my account. Do you think they would have read the letter at all?

 

Think we are in this one together lol.

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Hi Karen,

Sorry, not sure about the interest calculation (but it does sound alright), i'm doing it all by spreadsheet. So much easier for me.

I've got seperate accounts with shop direct, but i'm going after them seperately.

I've had to wait a long time for my statements. So i think i am a bit ahead of you, LOL.

A lot of them credit the money to the account, i usually just send them a reminder that the money was for the S.A.R. and they still need to comply with that. Not sure about them reading the letters, i reckon they see it's an S.A.R., file it and send the standard reply back.

But that's only my opinion.

Anyway, good luck with yours.

Glad not to be on my own.:-D

But we have great support on this thread with ukaviator.

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