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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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Interest on debts


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Just a quick question-

 

Can debt collectors add interest?

I'm just checking a old debt for a credit card which I think might be s/b or nearly, and by looking through some letters (I don't have them all) but have noticed that the debt is still rising one letter from 2006 is just over £1000 the most recent letter says around £1300.

 

Thanks

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Unless it is stipulated in the original agreement, DCA's cannot add interest or any other charges to a debt.

 

Howebver, if the DCA is acting for the OC, then since the debt is still within ownership of the OC the original T&C including interest rates would apply

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Thanks for the quick reply, So if it s/b and I send them a letter do you think they will stop adding interest or would they carry on forever.

 

Oh and on another point don't no if this is of any interset to anyone but a known doorstop lender have started buying debts and are sending the callers out to knock on peoples doors and demanding payment if they can't pay they are giving them a loan to pay it back that way. I no someone who works for them and has just started to do this.

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Either it's statute-barred or it's not. When was the last payment/written contact from yourself?

 

Perhaps you should tell your friend that he would be breaking OFT guidelines by suggesting loans to people already in debt.... and that doorstep collectors like himself can be reported for trespassing and harrassment.... ?!

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Thanks for the quick reply, So if it s/b and I send them a letter do you think they will stop adding interest or would they carry on forever. If it's statute barred it doesn't really matter what they do now does it?

 

Oh and on another point don't no if this is of any interset to anyone but a known doorstop lender have started buying debts and are sending the callers out to knock on peoples doors and demanding payment if they can't pay they are giving them a loan to pay it back that way. I no someone who works for them and has just started to do this.

 

 

That is why they are called doorstep collectors, this is what they do, however, apart from begging for money, they have no rights whatsoever and as P1 quite eloquently points out, it would appear that your "friend" is on a hiding to nothing with his new tactics....quite literally should they knock on the wrong door (mine for instance)

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I can't find all the paperwork I seem to have all the statements the last amount paid was in dec 02 the balance then was around the 500 mark the next bit of imformation is from 06 from a dca and it had shot up to over £1000 but i'm not 100% sure if I made a payment after dec 02.

 

As for the other bit I agree with you but they think they are above the law so let them get on with it they are just hoping people will agree with it to get them of there back

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If you include the words I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY within the wording of the CCA request, then it protects you from re-starting the collection clock, so to speak. It also needs to go off by rec. delivery... keep the receipt.

 

Are they chasing by 'phone or in writing.... and who are "they"?

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If the debt is SB then they can effectively "go forth" however, if the debt is not SB yet, then requesting a CCA would be a good move as it invariably takes an awful lot longer than the statutory 12 days to find the document, add to this the issue of unlawful charges and you may find that this matter could take a long time to resolve.

 

on the subject of a CCJ, a CCA request and counter claim for unlawful charges would kill them dead, I really wouldn't worry too much until you've got reason to do so. they use the language that they do to have maximum effect on you and hopefully scare you into paying

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I was a Providian then was passed to cabot (who I think bought it because every thing since then says client cabot) then to scotcall then to ruthbridge then to mackenzie hall They just send letters the usual stuff

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Mack Hall are the bottom feeders... so you don't have much to worry about. They tend to chase statute-barred (or nearly) accounts in the hope of getting money from people.

 

As it's passed through so many DCAs, the chances of anyone finding a CCA now are very, very slim... so you can send a request off without worrying too much.... ;)

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Thankyou so much its nice to have a bit of fun after years of misery so I will get it sent and will let you no what they say

 

Don't forget to include the wording I mentioned earlier on your request... and send by rec. delivery. Chances are they might not even reply to you...

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