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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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Capital One CCA Request - Can someone advise me please.


Zaraphin
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Story so far.... Due to illness found that we could no longer keep payments up to Cap 1 tried the nicely nicely aproach hopng that because we had been good customers for at least 8 years they would try and help with a little leeway (HOW WRONG WAS I..THEY JUST DONT CARE).

Sent Bryan Carter CCA request in May 09, Bryan Carter replied stating that it was not up to them to supply CCA, wrote back to them stating that it was there place to send CCA.

Anyway next I hear Bryan Carter is no longer dealing with this account he has sent it back to Cap 1.

Wrote to Cap l in July stating that them or Bryan Carter had not supplied me with a copy of CCA, cheeky buggers wanted another £1 to comply...anyway sent another £1 Postal Order for a copy and this is what I have received (see below) can anybody advise me what to do next.

I have sent for charges also and they have refused saying they will not pay what I am asking for but sent a drastically reduce offer which I refused and now FOS is taking this complaint up on my behalf but not sure what to do regarding CCA. This account was taking out in 1991.

Any guidance would be greatly appreciated.

 

Copy of CCA 1

Copy of CCA 2

Copy of CCA 3

Copy of CCA 3

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Hi,

Crap1 are one of the biggest load of bankers (deliberate misspelling :D) I have ever come across.

 

The documents they have sent you are not what you asked for but they have (sort of) complied.

The way to find out for sure if they have a copy of your agreement, is a SAR.

 

You could always try this:

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/173201-why-you-shouldnt-use.html

 

Only go down this route if you intend to follow through to court if necessary.

 

With your charges, they usually offer the difference between the original charges and the £12 they are charging now. The only way I have seen so far is to serve court papers on them. They tend to settle before it gets into the courtroom.

 

fox

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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I don't think they have complied with the request. Those T&C are current ones as they refer to the the standard 12pound charge whereas the OP says they have been with CapOne for many years.

 

To comply with a request under s77/78 the creditor must send a true copy of the executed agreement, this means a copy of the agreement at the time it was executed in addition to any subsequent changes of T&C.

 

Scots, you say you took this card out in 1991 and those are definately not T&C from 1991. If you did not sign any new agreements in the meantime it would appear that the documentation that they have sent does not meet their obligations under s77/78.

 

There is a good chance that they no longer hold the original agreement and if that is the case they are stuffed. Read the link as posted above by silverfox and send a SAR to see what documentation they really have.

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  • 3 weeks later...

Hi folks a wee update on the Cap 1 front.

 

Received a letter from financial Ombudsman today saying Cap1 shall refund my charges I am so glad I kept at it as even although I shall not get any money back this nearly clears my account.All but a couple of hundred pounds.

 

If anybody out there has been getting stupid letters from Crap One stating because they charges were for £12.00 they were legal then they are talking aloadof crap as all my charges were for £12.00 and I got over a £1,000 back (dont want to give exact figures in case they are watching). Without this site this would have been impossible not got much money just now but a small denotion on its way through paypal.

 

Every one keep at them don't let them grind you down they nearly did that to me. WIthout this site this would ahve been impossible not got much money just now but a small denotation on its way to CAG by paypal for everyones help. I suppose every penny count to keep this site open so no matter how much you can give smallor large it will help other people to help you.

CHeers

AFW

Edited by Zaraphin
oops spelling mistakes...
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