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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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Flm Have Taken Me To Court


rye1980
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hi guys flm have taken me to court today even tho the citezens advice tried to come to a compramise over my loan repayments,i was unable to attend the hearing due to a job interview and was wondering if they could place a charge on my property and how long this takes to happen,as i am going through the goverments mortgage rescue scheme and i dont want this to ruin the chances of it being completed

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hi guys flm have taken me to court today even tho the citezens advice tried to come to a compramise over my loan repayments,i was unable to attend the hearing due to a job interview and was wondering if they could place a charge on my property and how long this takes to happen,as i am going through the goverments mortgage rescue scheme and i dont want this to ruin the chances of it being completed

hi rye1980 sorry to hear bout ur run in with flm any news on the outcome yet, they realy are :twisted:barstewards and wont listen to any reasoning

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  • 2 weeks later...

ended up having to pay £200 a month instead of £133 that i was supposed to pay even though the citizens advice sent a letter to the court stating that i am in financial trouble,so now the c.a.b have advised me to file for bankruptcy which i will be doing in the next 3 weeks and im pretty nervous about doing :confused:

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They will have got that amount agreed in court because you weren't there. You can apply to the court to have the payments lowered to an amount you can afford - you do that on an N245 form (I've affixed one to this post) there is a fee of £35.00 to pay for putting the form in. If you are on benefits or a low income you may be exempt from paying this fee.

 

If you do decide to put in the N245 take a photocopy of it for your own records and take it to the court asap. Make sure the amount you offer each month is the amount left over after everything else has been accounted for.

 

I don't know if CCJ's can be included in bankruptcy so you need to get the payments lowered right down if you can.

n245_0204.pdf

ex160a court fees.pdf

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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  • 3 weeks later...

Has anybody got any suggestions on how to deal with FLM, i have tried asking them to spread payments over a longer term, i have asked to change the payment date, all to no avail? I don't normal let these people bother me but the constant text messages and phone calls about my late payments and charging me £20 for a letter when the payment was only 3 days late. I am having some quite severe financial problems at the moment and am really struggling to cope. If it wasn't for the fact that my son is also my guarantor i would tell them to go *^ck themselves!!! I really don't know what i can do because they are being so awkward and obstructive. I know that i should never have taken the loan out in the first place cos i really couldn't afford it and really FLM should never have offered it to me, given the amount of financial commitment i already had and also my son couldn't really afford to act as a guarantor either, again due to the level of financial commitment he already had. What happened to the"Responsible Lender" policy. Is there anything i can do to get them off my back because they are really starting to stress me out??

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hi, sorry your having a rough time with flm but there isnt anything you can do as your son is guarantor and if you dont pay they will chase him for the payments. I was in a similar situation to yourself and can sympathise with you, but then u ask what about responsible lending? what about responsible borrowing if you took out the loan and were already up to the hilt in debt you cant really blame flm, and you son knew the risks when he agreed to go guarantor, unfortuately you will have to treat flm as a priority debt ie same as mortgage/rent and pay them as they will no doubt take you to court..As regards the text messages if you have a landline and they have that ring them and TELL them to remove the mobile number they dont need it and the amount of texts amount to harrasment and you son can ring and do the same. sorry i cant tell you what you want to hear but as you can see by the previous posts they lent you the money and they expect paid back.

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Hi tigga 1961,

Thanks for the info,my concerns are that i have explained the situation to them and that at the moment i am struggling to keep up the payments. I have asked them to extend the term, they refused, i asked them to change the payment date, so that it falls in line with when my benefits get paid, they refused unless i paid a month in advance (if i could afford that i wouldn't have been having the conversation with them in the first place).

As for my son, he agreed to be my guarantor because i asked him, if he had known what it entailed, he would have refused. My fault? yes entirely.

I have never had any trouble before with creditors, all have been sympathetic, but FLM!!! No chance!!

What is so annoying is, i never even applied to FLM for a loan. It was sorted out by one of these so called brokers. But that is entirely beside the point, there must be some way of reasoning with them?

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hi, i understand exactly where ur coming from i was in the same boat went from working f/t to fighting cervical cancer and they still wouldnt listen, i did ask them to change my payment date which they done, but got in the final say that they would only do it 3 times in 12 months. have you tried speaking to a manager rather than a fone basher, i emailed james benamor the md and he got adrian harrison to ring me. still didnt get anywhere so i had to re-priorotise my debts, you could try cab, see if they can suggest anything but they hold the ace card-guarantor unfortunately.if i can offer any more advise just shout

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  • 1 year later...

I am new to this Forum, and desperately need help.

To keep it short,I stupidly acted as a guarantor, for a so called friend fora £3,300 loan, on 06/06/08 he paid loan okay for approx 1 year, then fell into difficulties, then like other posts I have read. the vultures start. the credit agreement was sent to me after numerous requests, on 24/08/09 . which like others I have seen is completely illegible. flm are now taking me to County Court, how will I stand, as I am just about paying my bills

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