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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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FirstPlus issues....


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Hello all I am a noob so please be gentle.

 

We (do not worry if i say "I" because me and my wife are involved in all of this) took out a loan for 33k with firstplus in 2003 because Carole Vorderman was on the ads. (not not really it was to cover CreditCard and other debts)

 

I originally took out my Mortgage with the Abbey (which is still ongoing on the same plan today, interest only) that i have kept fully uptodate.

 

On wednesday we have a bayliff stage to contend with (yes it really has got that far). I am in court tomorrow for a second hearing to prove i can pay back the original £33k loan plus the £15k in charges.... now then... I took out a protection plan with Firstplus which was worth £6k taking the total to £39k + charges = £54k... original mortgage and first plus = £105k. value of house £110 (about - it was 145 in the summer)...

 

I think i may have been missold the payment plan as i had various credit cards and loans at the time that i have subsequently destroyed. My income and expendenture states that if i was to pay back the current rates of all the cards, loans and mortgages etc then i would have to earn a minimum of... wait for it... £55k per year.... I am on best part of minimum wage so total income is about £23k between us...

 

I am pretty much praying that i can get it chucked out tomorrow on a technicality and case law.. we can afford to pay it back but only just... a big re mortgage and the credit is already basically frozen now anyway.

 

Followed all the forms - think burying my head in the sand didn't help but then again being made unemployed after doing a really great well paid job for years didn't help either...

 

I have contacted First plus on numerous occasions for settlement figures (so i can remortgage) and they refuse or claim that they haven't chatted to me... (I work as a call centre manager - I know that they record all calls as do we)...

They claim to have never recieved my mail too.. They also claim that they have sent me info and they don't... It took ONE missed payment to send it to their buddies in Cardiff - Eversheds... I am sure that these two don't communicate with each other... ("contact Firstplus", "no... you need eversheds")

 

They can't even quote me the interest rate (and couldn't in court neither).

 

wish us luck...

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Hi, when you say you are at the bailiff stage so you mean you have received an eviction notice? Also, assuming you have entered an N244 for a hearing what did you put in Q.10 of the form?

 

Have you prepared a witness statement for tomorrow's hearing?

 

Kind Regards

 

Ell-enn

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Yes to both - I went to the N224 hearing on Friday. I can't remember what i put on the form but have been working with a friend on the witness statement and we have pretty much redraughted a income and expenditure form, dug out all the literature and even bank statements from 1998!

 

What gets me the most is that FP and Eversheds have never really helped me when we asked for help.. it is most annoying. (then denied that i contacted them when i call back the next time)

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OK, don't forget to mention the Civil Justice Council Consultation Paper - Mortgage Arrears Protocol whereby lenders are supposed to negotiate and assist customers who are experiencing financial problems. Repossession is to be a last resort where there is no hope of payment - county court judges have been updated on this by the government.

 

Ell-enn

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Ok thanks for that - that puts a new twist on it... Thanks for the extra option...

 

We haven't said that we wouldn't pay - just didn't know how much they wanted. They wanted £150 on top of the original payment (un-negotiated) but didn't actually state what that original payment was (and i still don't know what it is!)

One bit of paper states £418 - another on is £368. quite a variance. I guess that i should have paid summat - bit late now though.

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Hi 21st Century, when an eviction order is issued you need to apply to the court for a hearing to suspend eviction. You need to have reasonable defence of course - an offer of extra payments each month using the case law of Cheltenham and Gloucester v Norgan, and submitting a budget sheet with the application to prove you can make the payments. Also any documentary evidence that you have written asking for help and been ignored/refused usually helps to reinforce your defence.

 

You could also ask for time to sell using case law also.

 

Why do you ask - you got a problem?

 

Ell-enn

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I wish i had a time machine... I could have noted it all down. even my phone bill is electronic... my bank statement is online (I had to print the last 6 months out at work on Thursday!) So finding "hard" evidence is difficult... Perhaps everytime i write a letter i should send it special delivery in future!

 

Thanks 21cn too!

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, infact the only problem i've got is of the female variety, can you help me there?

 

Ermm.... depends what it is ! :D

 

What case law would you use for time to sell?

 

Palk v Mortgage Services Funding Plc & Law of Property Act 1925.

 

21st Century

 

:)

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Hi Ell-enn,

 

you are an angel, that is just what I was looking for if need be.

 

As for the female problem, lets just say I have one that is very high maintenance that I need to get shot off, she costs too much! I am looking for a decent loving girl who likes to help. Maybe the OP has a nice friend for me??? Well Mr Navigator?? Needs to be low maintenance and dont mention Miriam!

 

LMAO :D

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Hi Ell-enn,

 

As I am looking for a decent loving girl who likes to help.

 

Ah well, I might be a bit too old for you then lol :D

 

LMAO :D

 

...

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the older the fiddle the better the tune!! lol

 

Agreed ;):D

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well you say yorkshire (ish), where would that be im a mad Scotsman living in the North East also. hehehahahah,

 

Sorry Mr OP I have taken over your thread flirting, you'll be okay tomorrow, remember one thing that your friend is probably alot wiser than the Judge, he will always do his best for you. He will ensure that you get time to postpone the possession order and get things sorted out.

 

So Ell-enn, you fancy meeting up? I'll even come to yorkshire if I can go to where Heartbeat is filmed?

 

21 st Century

x x

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Strangely enough I'm a mad Scotswoman :p

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LOL, now I know the OP will be laughing. Sorry Mr B, you'll be okay, I'll come to the rescue.

 

Now Ell-enn, now that puts a different slant on things, I am a weegie, couldn't possible look at you if you were from, yeah you know where. Go on put me out my misery, where you from originally, shatter my dreams. As for being strange, well its a sunday night before the week ahead and were on a forum, well i'm currently on 3 switching between them.

 

21st Century

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A weegie! good man. My dad used to say the only good thing to come out of auld reekie was the Glesca train :D I was originally from a small town just south of Glasgow and worked in the city for many years.

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why yorkshire then? Its a long way away from the bustle of Glasgow, and the cultural neds!

 

Needing to download and print

Palk v Mortgage Services Funding Plc & Law of Property Act 1925

So as I have it for tomorrow, for my own information. I was having a discussion on another forum yesterday about the deep fried mars bar! Yeah I know very strange discussions these forums have.

 

The OP, is in a position where he has a SPO and the claimants have went for execution of order, he appeared on Friday and said that he was looking to get remortgage. That wont be possible due to other circumstances, so looking to try and move forward and help them out. The claimants were granted the SPO when the defendants sent a letter in to the courts to put their case accross in which they stated they could afford £150pcm extra. These payment terms were not met and as such them have asked for execution of the SPO. Am I right in thinking that we shold be able to get this suspended again and present a new offer of payment and supporting evidence such as proof of income. The claimants still have not provided the evidence to what the current APR is, and justification of the charges that have been added, I beleive these to be unlawfull, the figures dont stack even with court and legal costs being added. They are still requesting too much.

 

If I fail on getting the SPO suspended and buy then time to sort their financial affairs, would I be able to ask for the time to sell under the Law and property act??

 

Thanks

21st Century

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HI, you need to apply to the court on an N244 which you can download here: Her Majesty's Courts Service - Home. Select forms and guidance from the menu on the left and enter N244 in the box.

 

They will need to complete a budget sheet (affixed) to go with the form to show how they arrive at their offer of paying extra per month. Use the Cheltenham & Gloucester v Norgan case law for that. If you look around the repossession forum you should be able to pick up on of the defences I have done and get an idea of the wording.

 

In Q.10 of the N244 it's best to write "see affixed sheet" as you won't get everything you need to say in the box provided.

 

It needs to be hand delivered to the court if the eviction warrant has been issued, so they get a hearing at short notice. The fee will be £35.00.

 

If you need any further help, just shout.

 

Ell

Budget Sheet.xls

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Depends on the judge unfortunately:rolleyes: when you say you have done a defence do you mean you have done a statement to take to court tomorrow quoting the case law?

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Hi Ell-enn,

 

yes, and proofs of why payments havn't been made and also income and expenditure to show how future payments can be made. The case law that i have taken down was the law of property act incase the judge says no, I can ask for time for my friends to sell on there own, in order to get best possible price

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Hi, if they've got an income they'll be ok, the new government guidelines say possession should be a last resort i.e. if there is no hope of payment. Also the lender will have to prove they have tried to help and negotiate with the customer.

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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