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    • This is the other sign  parking sign 1a.pdf
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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.              
    • 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...
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Welcome Finance - paid the loan figure, but they want extra sums due to old arrears - is the correct?


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The insurance crap as usual was missold

 

only three years cover on a five year agreement yet you are paying for it over five years

 

ill get that back for you at welcomes apr 26.1 %

 

that policy will never pay out anyway

 

look at the small print

 

ill put something together for you over the weekend

 

Thank you so much I really appreciate any help you can give me

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Post, Welcome previously told me if I paid my arrears of £896 in full they would freeze the remainder of my balance at £1600 and I could agree monthly payments with them - I was thinking of approaching my bank for a loan of £1500 and offering it to them as full and final settlement of my account - do you think this would be a good idea or not. I just want them out of my life!! Thanks.

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def not.

 

put in a reclaim for the PPI atleast and i bet that will almost clear the arrears.

 

postggj is in/out of hospital a lot

so we'll have to wait a bit

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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hi post

 

sri

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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def not.

 

put in a reclaim for the PPI atleast and i bet that will almost clear the arrears.

 

postggj is in/out of hospital a lot

so we'll have to wait a bit

 

dx

 

Who do send the claim to - is it welcome themselves and sorry but I am not sure re how this works - is there a template somewhere I can use.

 

Thx

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either look at a few thread here in the welcome forum about PPI

or pop along to the PPI forum

look at the stickys on its front screen

particularly 'notes for claimants'

 

dx

siteteam

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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you need to do some reading...............

 

to make sure you know what you are doing.

 

see notes for claimants stickys.

 

then comeback with any issues.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Below are details of the letter I propose sending to wfs. can you please advise if you think it is in order.

 

Dear Sir/Madam,

 

Ref: Agreement No.

 

I am writing in regards to the insurance policy which I was sold by you, Welcome Financial Services in conjunction with my application for a secured loan on 21st September 2005

I now believe that I was mis-sold this policy because I was:

 

a) Suffering from a pre-existing medical condition that could affect my insurance and was not asked about this by your salesperson at the time

 

b) Not informed that taking the PPI policy was optional

 

c) Not asked whether I already had sufficient cover in place at the time the policy was sold to me

 

d) Not informed that the policy premium was to be added to my loan as a single premium and therefore attract interest

 

e) Not informed that the PPI policy would expire before I had fully repaid the loan

 

f) Not made aware of the features, exclusions and terms of cancellation relating to the PPI cover

 

g) Told that taking the cover would improve my chances of getting my credit application approved

 

As such, unless you can prove that this policy was sold to me fairly and that it is, in itself, fair and reasonable, I request a full refund of all premiums and subsequent interest on these payments that I have made towards this policy to date. I will also ask that you add the 8% statutory interest deemed as reasonable by the courts to each payment I have made.

 

Also in conjunction with the above I also believe I have incurred unfair charges, please see attached, for which I also request a full refund and subsequent interest plus the 8% statutory interest deemed as reasonable by the courts.

 

I would like you to investigate this matter further and look forward to receiving a full response from you within 8 weeks. Should my complaint not be appropriately dealt with during this time I will be asking the Financial Ombudsman to investigate.

____________________________________

My final loan payment is due to be made on 27/9/10 once I make this payment can I stop any future direct debits while awaiting the outcome.

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pers i would not 'speculate' upon why the PPI was mis-sold.

 

put down the reasons that are true in your case.

 

you'll get a PPI questionaire back as a delaying tactic out of them anyhow i bet.

 

also becareful about 'what' you expect back.

 

clearly state that you want the PPI cancelled forthwith & that....

 

you should be put back into a position whereby the PPI was never sold to you & under restitution, be given 8% stat int back on any payments already made from the date [each month]

you ACTUALLY PAID for the PPI to the date of your claim.

 

i would also make the charges reclaim a separate issue [letter] to that of the PPI reclaim.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

I have sent my claim to wf but what would you recommend regarding by payments. The final payment will be out of my bank on Monday 27 and this will leave the arrears of £890 & the interest of nearly 3k left owing - should I let them know I am stopping all future direct debits once the final payment has been made pending the outcome of my claim.

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did you get the statement of price as asked?

and 'what' are you recaiming, does this figure cover the outstanding?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

how much?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  • 3 weeks later...

I have put my ppi claim to welcome along with a separate claim for unfair 'adhoc' charges and I have received a letter acknowledging my complaint. Since my loan technically matured on 5/10/10 am I within my rights to stop my direct debit payments of £181.79 and offer to pay them £100.00 per month of the arrears, which are £864, pending the outcome of my complaint. (Welcome are saying I still owe them £2600 as interest has been charged on my arrears since they occured in '05/'06)

 

Any advice appreciated.

 

Thanks

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Likewise - I put a complaint in saying that I have paid the full original amount and then some...Cash loan of £1500. Because I fell behind with the payments in 2007, they told the loan was 'rewritten' and the total amount to pay back is £5300. Obviously I responded and told them to 'DO ONE!' with a CCA request, as surely I would have needed to authorise and sign a new agreement? I have also filed a complaint with the FOS. I'm still waiting for a response to my PPI reclaim.:|

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I waited for nearly three months for them to respond. Then they told me that my complaint is unjustified. So I have now filed a complaint with the FOS aboutt them wanting £5000 for a £1500 loan! and also not responding to my complaint with 8 weeks. I'm going to fight this one out! Only give them eights weeks and no more!

Good luck with it.

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