Jump to content


  • Tweets

  • Posts

    • 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.              
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Frankly I don't think that is any accident.

      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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Is this DN compliant?


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5500 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

If it was dated Saturday 21st March then service of the document is always deemed as 2 working days after for first class. Or 4 days for second class.

 

Lets assume your DN was posted 1st class, so it would have been deemed served on tuesday 24th March.

 

On the DN it states that payment to rectify the default must be made BEFORE the 4th April. (so they really mean before midnight on the 3rd)

 

The 14 days they should give you are full days

 

They've given you 11 days, and so the DN is improperly served.

 

Also if Studio have added any unlawful penalty charges to the arrears on the account, etc, that also voids the DN as then the default amount is also incorrect.

 

Don't inform them just yet though. Let them terminate the agreement then let them know the DN is useless. Once the agreement is terminated they cannot go back and issue another DN as there is no longer a live agreement to default on.

All they can do then is chase you for the arrears only. :D

 

Also, have you sent Studio a CCA request? Catalogues need one just like credit card and loan companies do. Catalogues until recently never had any agreements.

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

Link to post
Share on other sites

Thank you fuzzy for that, and yes 42man, just retrieved the envelope from the recycling box. It is a tnt post envelope, with a big S in the postage paid box.

 

Means nothing to me - is that 2nd class then? Sorry, dumb blonde here.

Six Nations Champions 2009

Triple Crown 2009

Grand Slam 2009

:cool::-D:cool:

Link to post
Share on other sites

Don't inform them just yet though. Let them terminate the agreement then let them know the DN is useless. Once the agreement is terminated they cannot go back and issue another DN as there is no longer a live agreement to default on.

All they can do then is chase you for the arrears only. :D

quote]

 

Hi ohoh,

 

Yes it appears to be like the one my OH received which also didn't give enough days for service, 13 in his case.

 

Can anyone explain exactly what is meant by an account being terminated please - this keeps cropping up and I for one don't understand the significance?

 

If you receive a DN and the account is sold to a DCA does that automatically mean the account has been terminated and should you receive notification of this? Is termination the same as receiving a Notice of Assignment or is that something different altogether?

 

ohoh I hope you don't mind me asking these questions, but hopefully the answers will be of benefit to us both:)

 

Regards,

 

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

Link to post
Share on other sites

Of course I don't mind landy.:)

 

My understanding on termination is that it is when the creditor actually closes the account, so that you cannot order any more goods/borrow any more money etc.

 

Therefore the point fuzzy is making is that you cannot be defaulted on a terminated account, because the account no longer exists; no account with no t & c's = nothing to default on.

 

So all that is left is the existing debt - I believe that late payment charges etc etc should also stop on termination for the same reason.

 

Hopefully someone else will step in and correct me if the above is utter ballhooks!;)

 

Regards xx

 

ps underdog13 - my name and address are on the DN, I just folded the top over to remove personal identifiers.

Six Nations Champions 2009

Triple Crown 2009

Grand Slam 2009

:cool::-D:cool:

Link to post
Share on other sites

Can anyone explain exactly what is meant by an account being terminated please - this keeps cropping up and I for one don't understand the significance?

 

Landy x

 

Landy, Termination can be in a variety of formats, either a formal notification or sometimes just a line on the default stating they will terminate your agreement in x days if payment is not forthcoming.

 

But no matter what they are stating the actual termination according to the CCA1974 is deemed if they are seeking something that they are entitled to only at ending of the contract. i.e. if they are stating they want the full balance then that is deemed to be a termination event.

 

Some lenders "close" the account but allow you to continue paying against the balance with interest, this is not a Termination as the agreement is still in force and they have not demanded anything that they would only be entitled to at the end of the contract.

 

The significance is once the account has been terminated the agreement can never be rescued. So if they issue a defunct default notice and terminate on the back of it, they are only entitled to the sums mentioned on the default notice, not the balance.

 

PmW

Link to post
Share on other sites

The significance is once the account has been terminated the agreement can never be rescued. So if they issue a defunct default notice and terminate on the back of it, they are only entitled to the sums mentioned on the default notice, not the balance.

This is really interesting PMW as I've been issued with a default notice for arrears on a loan. The loan company is not yet aware that (as far as I'm aware from other threads on here) the DN is void as it was issued while they still haven't fulfilled all the terms of my CCA request..ie no statement of account sent, T&C's which clearly don't relate to my account and a CCA reproduced at half size so its only easily readable after photoshopping.

I've not yet written to inform them of this. Is it necessary for me to officially write to notify them that the account is in dispute..or is that an automatic fact after CCA noncompliance?

I'm thinking now maybe I should just sit out the DN then hit them with this when/if they terminate? I have a lot of issues with this company otherwise I wouldn't feel driven to adopt their own tactics in defence!

Elsax

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...