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    • Should this to be take into court with him or should he send something in earlier?
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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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Sainsbury's Bank -v- Dilly2009


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I have posted this in the HBOS section since Sainsbury's Bank is managed by HBOS staff and subject to their process and same DCA's.

 

In late 2002 I took out a loan with Sainsbury's Bank (attached as pdf). In 2005 I was made redundant and managed to keep up repayments until my current account provider pulled my overdraft and I missed two payments to Sainsbury's until I was able to pay them. In any case it was too late and they served a DN on me, at that time I had so much going on that I did not even open the DN letter (or keep the envelope).

 

I contacted Sainsbury's Bank but they told me to contact J&J Collections who were totally unhelpful and then I was thrown to the dreaded Blair Oliver & Scott (BOS) who I paid £500/month to (my original payments were £385.04), hence within a few months I was already paying the loan off faster than the planned repayment schedule. I continued to get lots of automated letters from BOS which they told me to ignore each time I called them to ask what the problem was.

 

In the end I made a complaint to the CEO of Sainsbury's Bank and the FOS who were useless. Their CEO had a customer services bod contact me who asked me to send them a copy of the DN (I did not disclose any dates), I sent the DN (attached) and did not hear anything back?

 

I then sent in a request for the agreement to BOS and did not get a response, they cashed the £1 fee though.

 

Financial circumstances changed again so I dropped the payments from £500/month to £10/month and told them, they did not seem too concerned. I have now been thrown to Moorcroft who I think will now litigate.

 

I am based in Scotland but have experience of the civil litigation process up here so just now need to know:-

 

1. Is the attached agreement enforceable?

 

2. Does the DN look legitimate?

 

They did refund some of the charges so a small % of the DN sum includes charges and late payment fees.

 

Any help and advice would be greatly appreciated.

 

**SEE DN Below in Thread 10 - removed bar-code - they can be read**

Sainsburys Bank Agreement.pdf

Edited by Dilly2009
Remove bar code from DN
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Well The Default Notice Is Crap As Usual From Hbos

 

The Default Has To Give 14 Days Plus 2 For Service To Rectify The Breach

 

Dont Tell Them This

This Only Works If A Court Claim Is Brought Against You

 

All You Would Be Liable For Are The Arrears Up To The Date Of The Notice

Thats All

Nothing Else

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On The Sainsbury Letter, What Was The Date Of The Letter And The Date Payment Had To Be Made To Rectify The Breach

 

Hi postggj

 

The letter was dated 04/10/2005 and the Date to remedy was before 14/10/2005.

 

Thanks

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Well The Default Notice Is Crap As Usual From Hbos

 

The Default Has To Give 14 Days Plus 2 For Service To Rectify The Breach

 

Dont Tell Them This

This Only Works If A Court Claim Is Brought Against You

 

All You Would Be Liable For Are The Arrears Up To The Date Of The Notice

Thats All

Nothing Else

 

Even back in 2005?

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Ok, the DN can wait, though thanks to postggj for spotting my silly mistake............

 

Thanks to BRW (very sharp eye indeed) it now transpires:

 

My Sainsbury's Bank agreement for a £25 K loan over 7 years states the total charge for credit at £7,343.36 and monthly repayments of £385.04 - however this calculates for an APR of 7.7% and NOT 7.4% as stated in my agreement.

 

 

Q: Is 0.3% significant and what is the actual monetary difference?

 

 

Using the agreed loan APR rate of 7.4% (through 2 different calculation methods):

 

The total charge for credit should have been £6,859.41 which equates to a monthly repayment fee of £379.27.

 

Hence over the loan period of 7 years I would have paid them an EXTRA £483.95 or 6.5% over the real charge for credit (and its a bigger number!).

 

This obviously also has a bearing on the DN which must also be incorrect by definition, to what extent I will now calculate what the real default sum should have been.

 

$M Question:- Is the above reason enough to argue that the agreement is invalid?

 

I would appreciate comments and advice, this has not yet gone to litigation.............but is likely to! I can feel another writ in the air:eek:

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My calculation using the correct payments of £379.27/month from the start of the loan to default would give a default sum of £715.66 rather than the £823.09 demanded. A difference of £107.43.

 

Any thoughts on the defence for this one?

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Ok, the DN can wait, though thanks to postggj for spotting my silly mistake............

 

Thanks to BRW (very sharp eye indeed) it now transpires:

 

My Sainsbury's Bank agreement for a £25 K loan over 7 years states the total charge for credit at £7,343.36 and monthly repayments of £385.04 - however this calculates for an APR of 7.7% and NOT 7.4% as stated in my agreement.

 

 

Q: Is 0.3% significant and what is the actual monetary difference?

 

 

Using the agreed loan APR rate of 7.4% (through 2 different calculation methods):

 

The total charge for credit should have been £6,859.41 which equates to a monthly repayment fee of £379.27.

 

Hence over the loan period of 7 years I would have paid them an EXTRA £483.95 or 6.5% over the real charge for credit (and its a bigger number!).

 

This obviously also has a bearing on the DN which must also be incorrect by definition, to what extent I will now calculate what the real default sum should have been.

 

$M Question:- Is the above reason enough to argue that the agreement is invalid?

 

I would appreciate comments and advice, this has not yet gone to litigation.............but is likely to! I can feel another writ in the air:eek:

 

Are there any similar cases with incorrect API's?

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Does anyone know of any other cases where the APR/Total Charge for credit is incorrect?

 

My Sainsbury's Bank agreement for a £25 K loan over 7 years at 7.4% and states the total charge for credit at £7,343.36 and monthly repayments of £385.04 - however this calculates for an APR of 7.7% and NOT 7.4% as stated in my agreement.

 

 

Q: Is 0.3% significant and what is the actual monetary difference?

 

 

Using the agreed loan APR rate of 7.4% (through 2 different calculation methods):

 

The total charge for credit should have been £6,859.41 which equates to a monthly repayment fee of £379.27.

 

Hence over the loan period of 7 years I would have paid them an EXTRA £483.95 or 6.5% over the real charge for credit (and its a bigger number!).

 

This obviously also has a bearing on the DN which must also be incorrect by definition, to what extent I will now calculate what the real default sum should have been.

 

$M Question:- Is the above reason enough to argue that the agreement is invalid?

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