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    • 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...
    • I would say You should accept it - I HIGHLY doubt you will  be able to claim for letters at trial ans they’re offering you that, which is higher monetary value than interest.   Also they raise a good point, getting interest at anything above 4% is lucky these days, yes judges give it, but rarily above 4%   Also you might find depending on the judge  you don’t get some costs if you take it all the way over £7.40 when court woukdnt award letters costs and thus meaning their award would be less than evris offer which was made    Up to you though but the wait will be 3-4mo for a trial date at least
    • Hi Folks, Been 162 days! Just by way of update. Today I received a text from Opos Ltd so no doubt Capquest are renting the debt out to anybody who fancies a nibble. Safe to say I will not be responding.
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debt collectors from studio cards


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hi all.

my wife had a visit today from the debt collectors, working on behalf of studio cards, he demanded to know when she gets payed her benifits , and offered NO id or his name , and he didnt say what firm he worked for , like many of you , she had not signed a CCA , so can anyone tell me where she stands on this , and where we go from here , any advice would be greatfuly recieved, many thanks in advance.

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I hope they were not told anything other than to go away.

Next time 1 of these clowns turns up, ring the police straight away to report that you are being threatened.

Report them to the OFT/trading standards as well.

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In a nuthell tell him to get lost.

 

This peoples are only trying it on to scare you into payment, been there myself, with studio.

Remain calm and ask him/her politely to leave without any details.

 

If they don't take the hint, you could also involve the police.

 

 

(Memo for myself: need to type faster...ha ha)

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As above, I mean would you seriously give out info and money to any dickhead who knocks on your door and does not provide evidence of who they are or who they claim to work for.

 

these cretins get worse

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thanks for all your reply's

 

he also wanted to know how much benifits she gets paid (cheeky git) for want of a nicer word , and said he would come back next week, if he calls again im gonna ask how much he and his wife gets paid and when , if he say's thats none of your buisness , then im gonna say TOUCHAY...and see what he says.

 

my wife has today sent a letter to studio , asking for a copy of her signed credit agreement , and see what happens , i will of course keep you all informed of the outcome.

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send this at the same time

 

Dear xxxx

Account Ref xxxx

Please be advised that I will only communicate with you in writing. I have noted your repeated attempts to contact me by telephone over the past few weeks/months and these have been duly logged by time and date.

Furthermore, should it be your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you.

There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.).

Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and if you do so, then you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance.

Yours faithfully,

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I would also advise that if the company refuse to accept the letter saying no callers, i call it a trespassers will be shot letter, at the front door then u can always hand it to the caller then ask them to leave.

 

Failing that u can always if you have the facilitys ask for there id and take a copy of it then ask the caller to sign to say its a copy of there id and accept they are tresspassing. Then send the company a bill say £250. then outta the check of it offer the company some of that money they may pay you back in full and final settlement of the account.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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thank you both for the letter info , i shall be using them to send to studio , the advice i have been give is fantastic , im so glad i stumbled onto this site., i shall keep you informed of the outcome

 

regards

 

BBguns xxx

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BB i am in the middle of a dispute with STUDIO. They have admitted they hold no CCA basically by saying the application form they have sent, which could have been wrote up on the day they typed the letter as far as i am concerned, is enough evidence to prove a debt also the fact that i have ordered goods and madepayments on the account.

 

Basically the nutshell of my complaint is that

 

a) I ordered goods they never arrived. Sent them via royal mail u see.

b) they mucked me about for MONTHS regarding getting the items credited to the account, still over 18 months nearly 2 years for some of the goods i have not had my account credited, denying i have complained and refusing to deal with letters and email complaints untill i give them 7 days b4 i take action.

 

c) they expect me to pay on a disputed debt which is in dispute without the cca problems then they can go jump off a cliff somewhere.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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hi babybear39 , did studio have a signed cca from you ? and could you tell me who MH is please , as im not familiar with that one lol , thanks for your reply.

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BBguns

 

The day studio come up with a CCA for any of the caggers on here then it will be a day we all drop down dead.

 

I have heard rumors that studio are doing a next that is sending out letters to customers asking they sign and return the cca thats enclosed.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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thank you godmother and babybear , for all the info , it seems to me that studio run a very disorganised ship , and i will take them all the way , and there so called dca's , if i was to go into a bank for a loan , they wouldnt give me any money without me signing a cca , so why does studio ? very stupid in my opinion.

 

i cant wait for the DCA to call at my door next week , cos im armed with all the advice from you all , god help him lol he will wish he hadnt called .

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according to info i was given they are registered and company that does not sell or extend credit only collects money.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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As has been advised previously my immediate concern would be for the security of my property, regardless of what random person decided to knock on my door claiming to be from a company My first port of call would be to take their photograph and then to call the Police...

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/208746-help-identity-mysterious-doorstep.html

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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im still waiting for a reply from studio regarding them sending me a true copy of the signed CCA , havent had any collectors at the door yet , but its still early days , so im keeping my rotty close to hand if they come and try to be awkward..lol cant wait to see his face when he see's the size of her.

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now now remember thats threatening behavoiur.

 

Also remember to have the camera and the letter. Some ppl have said a taser gun also works.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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the letter that we sent asking for a true copy of the signed CCA was delivered on 11/07/09 , so we are waiting for the reply now , will keep you all informed of the outcome.

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u will get a sample copy. i guarentee it.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Yep I got the sample copy too.. they have argued that its good enough so I am ignoring them now.

 

I'm quite lucky in that I moved house last November and no creditors have my phone number.

If you find my post helpful please click on the scales at the top. Thank you

FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

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I have in writing been told that they will only look for the real copy of my CCA in archives if the courts order them to and it is feeasable. I also have in writing that if it subsequently turns out i never signed a cca they will know it was not enforcable.

 

They dont care that i have told them i never signed a cca i know they dont have my signature on a cca but hey they have sent my debt to moorcroft who drop it as so as i mentioned court dispute and including them in the action

wescot now have it who have not been so easy to shift

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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