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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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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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anyone help pleeze ..... !!!! NEAR PRIME MORTGAGE HELL .!!!!


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Hi

 

Hope I can get some help from this site ............ We are with redstone mortgages at a rate of 8.45% for an interest only mortgage. I thought I had cracked a new mortgage deal through a broker but was HORRIFIED :eek: to find out that the deal was through beacon home loans. When the paperwork came through guess who the direct debit is payable to .:confused: The fees for a 6.3% discounted deal are £2000 plus we pay our own legal and survey fees !!! to stay with the same lender !!!! I don't think so....

 

Are there any other near prime mortagage lenders left . I ran my own credit report . Any defaults were in 2003 . We have 2 ccj registered . One for £200 which I will have to inform the courts that the account was paid up to date last year. The other one is for £227 registered against us last year. On the whole it doesn't look that bad. So I am hoping to get a decent mortgage rate and NOT with redstone........

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  • 2 weeks later...

Hi Bona

 

phoned charcol and they were fab. They are in agreement that I will clear the outstanding CCJ ( under £200 ) and have the other CCJ marked as cleared before I apply for a remortgage. I have to give them a ring back in August which is plenty of time as we have till beginning of October. It will look better when they do a credit search but they said they could def find a remortgage for us. Hopefully a few months down the line there might be more deals available.......... :)

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Hi Jake. Apart from the 2 CCJs mentioned, do you have any other adverse credit? Please also confirm the value (realistic) of your property and your current outstanding balance. I take it you are waiting until October to re-mortgage as your current mortgage scheme has a redemption penalty until this date? I am surprised your mortgage adviser did not recommend you clear this CCJs earlier as there are several near prime lenders whom will accept one cleared CCJ in the p[ast 12 months. Hope this helps.

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Hi Mortgagetalk

 

Our house is valued approx £190000 , mortgage at present £121500

Our penalty is £6000 if we redeem before October. We have a few defaults on our credit file some are satisfied, 2 or three fall off in 2003

 

That leaves two outstanding but we have an arrangement where they are being paid off monthly . So the only thing that looks bad on our file are the defaults. The way the mortgage market is going I don't know if another high street lender would look at ?? :???:

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Hi Jake

 

If you clear the latest CCJ then I cannot see a problem with it. Are the defaults on your mortgage or other commitments? Have you defaulted, paid late or not met your mortgage payments? If so when (month/year)and how many, and what is the current situation? If you have made all your mortgage payments, what are the defaults? Again, when, how many and how much. Who is your current lender?

 

MortgageTalk.

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Hi Mortgagetalk

 

2 Defaults are for bank charges (2003)

 

One Default clydesdale bank amount £7000 default in 2003 balance now £4000. ( loan) have an arrangement to pay them monthly.

 

2nd default with clydesdale for mastercard not sure on balance left . Again default was in 2003.

 

Our mortgage was with amber home loans , then they securitized it and we now pay Redstone. Their administration system is dire.

 

As per credit file they have us as missing payments sept 2007 , dec 2007 and may 2008............ I have asked them to correct this and they have refused . I agree the payment for may was 5 days late but never missed as the credit report shows. I have yearly statement that shows all monthly payments made . It is so aggrivating as it looks so bad on the credit file.................

 

We are paying 8.45% interest only !!!

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Jake

 

Thanks for prompt reply. I am just on my way out to see a client and will respond tomorrow.

 

Strangely, due to a fault on the office phones this morning, I had time to kill and visited a few web sites and found this one. I am happy to use my experience and knowledge of the market to provide generic mortgage advice. I suppose I should provide a disclaimer at the end of all my posts?

 

MortgageTalk

 

Please note I am commenting on posts in general and not providing individual mortgage advice or recommendation, which would require precise details of your circumstances.

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Hi mortgage talk

 

You can do this on a permanent basis by adding it to your signature through your user CP.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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Hi JAKE44, You will probably find that the lender you end up with ,will poss charge nr enough the same rate plus fees on top ,any chance of staying where you are till end of year reason is that you will then only have 1 arrear in the last 12mnts (may 080 makes a diff to the rates)

 

Manc1

MANC 1

 

 

 

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Hi Tiglet

 

Thanks for that advice. Being a 'newby' I have not had a lot of time to explore the site and do not want to break any Forum rules and regulations. However, I had no idea I could use my experience and knowledge to help others in such an easy way. I will make sure I use future tea breaks to good use. However, it will have to be generic advice as I am regulated by the Financial Services Authority, and as anyone would expect, I can only provide individual advice and recommendation once I have full individual details. Hence, my idea of a disclaimer. Does this make sense to you?

 

MortgageTalk

Edited by MortgageTalk
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It certainly does - lots of people on here come from different backgrounds and have different things to offer.

 

These threads may help you too: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

 

Hope these help and welcome to the site!

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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Hi mortgage talk

was pleased to read your posts on this thread there are a lot of people who I think would benifit buy your advice without you breaking any rules I only can suggest Charcol who i had a personal link with ( not any more employee left ) who seem to be understanding I now they place with sub prime lenders but these companys are a fact of life and a long as people understand then they wll be fine I knowwe hear what a shower they all are but there are people who use them dont have aproblem and are fine they just dont seem to have any compasion for those who through no fault of there own hit problems

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Hi Bona

 

I will certainly do my best to provide up to date generic mortgage related advice in these difficult times. Charcoal are a well established group and even though they are going through a period of internal instability, you should have no hesitation recommending them - but best to check if they are taking a procuration fee from the lender or taking the proc. fee and charging a brokerage fee.

 

Sub-prime has been an important sector in the mortgage market for the past decade - however, it just got a lot tougher both for sub-prime borrowers and for brokers trying to place this business.

 

MortgageTalk

Edited by MortgageTalk
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Hi Jake

I take it your ‘arrangements’ with Clydesdale are actually IVAs? If so, have you maintained payments and what is the balance of your Mastercard? Are you saying your credit file shows a mortgage default for 09/2007 and 12/2007, when in fact these payments were made? If so, you can contact Experian/Equifax and request these errors be removed.

To sum up! If you deal with the CCJs (as discussed in previous post) and obtain certificate of settlement, correct credit file, maintain IVAs and, based on the limited available personal information and accepting affordability, I believe you should be able to obtain a Near Prime rate in October.

 

MortgageTalk

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Hi Mortgagetalk

 

The arrangement is not an IVA. It was arranged through our local citizens advice bureau who wrote to them with an agreed monthly figure.

 

I tried to get redstone to remove the so called missed payments on our experian file. They said they couldn't. Would I need to send experian some form of proof that the payment was made ie bank statements or mortgage statement ? I feel that it is very misleading at the moment as it looks as if the payments were missed instead of a few days late !! think redstone have been a bit quick of the mark...........

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JAKE , The big hurdle with these missed payments and the CRA (credit ref agencies ) is that they will not listen to us normal people , but act on the info provided by redstone , so you will be bashing your head against a brick wall, because redstone will not budge ( i know its a vicious circle ), hence my question in my earlier posts , can you stay put and keep your head above water for the next 8-12 mnths ,because that will help your case and obtain a mortgage with a decent lender.You do not want to end up out of the frying pan into the fire

 

Manc1

MANC 1

 

 

 

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Hi Jake

 

As Manc1 states, if Redstone are not co-operative then it is difficult to remove defaults from your file, although you can personally add a Notice of Correction – see Experian/Equifax website for details. Unfortunately, credit reference agencies are more concerned with selling credit files rather than with ensuring accuracy. The fact that Clydesdale accepted the proposed arrangement should count towards you maintaining the ‘said’ arrangement However, there are Near Prime lenders that will accept one missed mortgage payment in the past six months, which just fits your profile.

 

MortgageTalk

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