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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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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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Central Trust £25 Loan PPP refund


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thanks landy for doing that

it was my next speps in the explaination.

i agree with the figures too.

 

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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thanks landy for doing that

it was my next speps in the explaination.

i agree with the figures too.

 

dx

 

You're welcome dx - happy to help ;)

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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hi landy and dx100

 

first and foremost the loan i originally had with these people has NEVER been re-financed, it is still a continuation of the existing loan, minus the 4047.00 rebated to the account, i still have to pay (at the moment) the full amount, i have never recieved a revised date for the loan to end.

and what you are basically saying is that 3592.52 comes to me

3705 should be a second payment to the account and a revised final payment date. that will require some legal typ[e letter ............

Edited by bobbydog
placing a full stop
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hi landy and dx100

 

first and foremost the loan i originally had with these people has NEVER been re-financed, it is still a continuation of the existing loan, minus the 4047.00 rebated to the account, i still have to pay (at the moment) the full amount, i have never recieved a revised date for the loan to end.

and what you are basically saying is that 3592.52 comes to me

3705 should be a second payment to the account and a revised final payment date. that will require some legal typ[e letter ............

 

Hi Bobbydog:)

 

Apologies - I meant to say I had no experience of loans that have been rescheduled not refinanced :oops:

 

If they have kept your payments the same but reduced the loan term they should definitely have given you a revised date for the loan to end, or so I would have thought.

 

Yes, what you are saying is correct - other than the fact that the £3592.52 which comes to you should be broken down into your monthly PPI payments and the 8% interest applied as I believe you said you had done in post 72, then as dx explained either entered onto a spreadsheet or submitted in the form of a list.

 

Landy x

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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will get on with a letter asap will post for checking is that ok

 

Okey dokey :)

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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COMPLIANT OFFICER

Liz Cooke,

Firstly, may i thank you for your letter, received by me 19-03-2010,

Regarding point one of your reply, stating that the interest rate was changed in November 2007.

You note to me regarding term 3 of the credit agreement terms and conditions

you seem to have copied the terms direct from the page of the T&C’S

can you please explain fully the companies reasoning for each and all the increases made to the account at various times during the term of the agreement to date.

In point 2 of your answer, you have not answered the question i asked you, i asked as to why the terms of payment had not been reduced to reflect the cancellation of the PPI insurance payments, still to this day i am paying the full payment as per loan and PPI.

Can you furnish me with the date when my last payment of the agreement will be.

It is in my considered opinion that you should be refunding all PPI premiums that i have paid to date by personal cheque made payable to me, which totals £3592.52 PLUS 8% on each individual monthly PPI payment made from the first payment to the present payment .

 

it is also my considered opinion that the still remaining unused portion of the PPI premiums (as the loan was for 120 months, out of which i have paid 38 - leaving 82 still to pay) should be refunded back to the loan balance in full.

 

However, as i have already received a PPI rebate (when the PPI was cancelled?) of £4047.22 this amount should be deducted from the total figure of PPI payments

 

So your outstanding loan balance should reduce by the appropriate amount

 

i am still of the opinion that this PPI insurance was and still is a mis-sold agreement, and to date i am still not fully satisfied with either the rebate given, and your ambiguous answers to questions asked.

As to the final part of your letter regarding that referring the complaint to the FOS, may fall out of their jurisdiction, may i just state that i believe that that particular statement is wrong for you to state, and i feel that the statement is meant to intimidate me in continuing this claim

Below is my calculations as per rebate claimed from 12/1/2007 to date representing all and every PPI payment made from that date

 

AMT DUE + 8% date of payment

122.15 27.61 12/01/2007

121.33 26.79 12/02/2007

120.59 26.05 12/03/2007

119.77 25.23 12/04/2007

118.99 24.45 12/05/2007

118.19 23.65 12/06/2007

117.42 22.88 12/07/2007

116.62 22.08 12/08/2007

115.84 21.30 12/09/2007

115.08 20.54 12/10/2007

114.3 19.76 12/11/2007

113.56 19.02 12/12/2007

112.79 18.25 12/01/2008

112.03 17.49 12/02/2008

111.32 16.78 12/03/2008

110.57 16.03 12/04/2008

109.85 15.31 12/05/2008

109.11 14.57 12/06/2008

108.39 13.85 12/07/2008

107.66 13.12 12/08/2008

106.94 12.40 12/09/2008

106.24 11.70 12/10/2008

105.52 10.98 12/11/2008

104.83 10.29 12/12/2008

104.12 9.58 12/01/2009

103.42 8.88 12/02/2009

102.79 8.25 12/03/2009

102.1 7.56 12/04/2009

101.43 6.89 12/05/2009

100.74 6.2 12/06/2009

100.09 5.55 12/07/2009

99.41 4.87 12/08/2009

98.74 4.20 12/09/2009

98.1 3.56 12/10/2009

97.43 2.89 12/11/2009

96.8 2.26 12/12/2009

96.14 1.60 12/01/2010

95.49 0.95 12/02/2010

94.91 0.37 12/03/2010

 

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working on it

 

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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Dear complaint pleb.

 

thank you for your letter of 19th march 2009 concerning our mutual financial matters, specifically Loan No. XXXX of the xx/xx/xxxx date.

 

However, i am still puzzled upon where the account now stands on the following issues:

 

1. outstanding balance.

2. monthly repayment levels.

3. completion date.

 

It is my understanding that the loan should have been restructured following the PPI cancellation and partial refund by yourselves, however, this does not appear to have happened, which is leading to my above confusion.

 

As a point of clarity, I hereby make my position perfectly clear as to where we now stand with my [now] outstanding complaints.

 

Complete my reclaim of the PPI as per FOS guidelines - spreadsheet att.

 

I demand you refund all PPI premiums i have paid (ie, 39 x £94.54 = £3687.06) plus 8% statutory interest on each individual monthly PPI payment from the date it was paid to the date of this claim, total £4164.83.

The remaining yet to be paid PPI monthly premiums (my loan was for 120 months, out of which i have paid 39 - leaving 81 still to pay) should be refunded back to the loan balance - £94.54 x 81 = £7657.74.

 

Deduct the partial PPI refund of £4047.22 from this figure, thus my outstanding loan balance should reduce by a further £3610.52 (£7657.74 - £4047.22 = £3610.52).

 

I demand you refund the 'administration charge' of £50 for said partial PPI refund - there are no indications in any FOS/OFT guidelines that give you permission to charge an administration 'fee' in relation to a refund on a mis-sold PPI policy reclaim. If you think you are correct, then please show me the legal document you are relying upon to levy such a charge, so l may verify this with the relevent authority.

 

Your attention is also drawn to the 'brokers fee' of £1875 you charged me upon my application for the loan, again there are no indications in any FOS/OFT guidelines that give you permission to charge such a 'fee'. If you think you are correct, then please show me the legal document you are relying upon to levy such a charge, so l may verify this with the relevent authority. I demand you refund said 'brokers fee' and the interest you charged upon it [10.44%], plus 8% statutory interest = £3326.82

 

Having studied the guidelines provided by the FOS, it is my intention to refer these matters to them in eight weeks time should I not receive a favourable response from your company.

 

yours

not an idiot comsumer.

 

.........................

 

 

dx

Edited by dx100uk
added bits ........ now completed
  • Haha 1

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

ofcourse you can

 

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... 

Link to post
Share on other sites

Hi Bobbydog:)

 

I see dx has provided you with an excellent letter to send (recorded delivery of course) - now they will see you mean business and all you should need to do is stick to your guns (and your timeframe) and let us know how you get on.

 

Landy x

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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hi all this is (possibly) final draft have a look, check it over then i can sign it off

 

Dear compliant officer,

 

Liz Cooke ...

 

Thank you for your letter of 19th march 2009 concerning our mutual financial matters, specifically Loan No. xxxxxxxx.

 

However, i am still puzzled upon where the account now stands on the following issues:

 

1. outstanding balance.

 

2. monthly repayment levels.

 

3. completion date.

 

It is my understanding that the loan should have been restructured from the existing amount to a new lower amount, following the PPI cancellation, and partial refund by yourselves, however, this does not appear to have happened, which is leading to my above confusion.

 

As a point of clarity, I hereby make my position perfectly clear as to where we now stand with my [now] outstanding complaints.

 

Complete my reclaim of the PPI as per

FOS guidelines - spreadsheet att.

]

You should refund to me by cheque all PPI premiums I have paid (ie, 38 x £94.54 = £3592.52) plus 8% on each individual monthly PPI payment from the date it was paid to the date of this claim.

 

The remaining yet to be paid PPI monthly premiums (my loan was for 120 months, out of which i have paid 38 - leaving 82 still to pay) should be refunded back to the loan balance - £94.54 x 82 = £7752.28.

 

Deduct the partial PPI refund of £4047.22 from this figure, thus my outstanding loan balance should reduce by a further £3705.06. (£7752.28 - £4047.22 = £3705.06).

 

Refund the 'administration charge' of £50 for said partial PPI refund - there are no statements in the fos guidelines that allows you to charge 'fees' on a mis-sold PPI policy reclaim complaint.

Failure to fully re-evaluate my complaint FULLY by you, will result in

1, A full descriptively worded letter to your head offices in Malta to investigate my complaint

 

2, Having studied fully and intensively over a period of months, the guidelines provided to me, by the FOS, it is my intention to refer these matters to them in eight weeks time should I not receive a favourable response from your company.

Edited by citizenB
removed font formatting
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edit this post and remove the a/c number

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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Share on other sites

id kill this bit too:

 

make you look like a pratt

 

FONT='Verdana','sans-serif']Failure to fully re-evaluate my complaint FULLY by you, will result in [/font]

1, A full descriptively worded letter to your head offices in Malta to investigate my complaint

 

i'd also put the closing line back to how i had it, again, don't make yourself look a pratt.

 

i migt have 5 mins later to do you a spreadsheet.

 

see how i get on

 

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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Share on other sites

i have ammended post 83 what was the loan int rate 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... 

Link to post
Share on other sites

nice

 

more later

 

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... 

Link to post
Share on other sites

yep sorry up to my eyeballs trying to sort lots of my own issues.

 

you are not off my radar.

 

what i am going to do is add another claim in there for the brokers fee amount too just need the time to work it out.

 

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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Share on other sites

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