Jump to content


  • Tweets

  • Posts

    • 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.              
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

CCJ business bank AC, personal guarantee - amount wrong?


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2856 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi there,

 

I have a business banking issue with HBOS. I understand that this is a consumer forum, and therefore does not advise on business banking issues. However, does anyone know of a similar forum in the business arena - or are there any legal eagles out there that might like to take on a juicy case against HBOS?

 

Many thanks,

 

SD

Link to post
Share on other sites

  • Replies 87
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

OK - I was a director of a company, with two other directors. A husband and a wife. Over a period of 18 months between 2005 and 2007 they stole almost £500K from the company. It caused the demise of the company.

 

We had a term loan with HBOS which we jointly and severely guaranteed for £175K. By the time the company when into liquidation this was at £35K. We had no authorised overdraft facility, and had an invoice discounting facility. Invoice discounting was up to date and ok. However, HBOS had let the company run up an unauthorised overdraft to the tune of £120K as a result of the two other directors taking the money from the company.

 

The two other directors have declared themselves bankrupt, so HBOS are now pursuing me for the full amount owed under the PG.

 

HBOS were aware that the other two directors were taking the money out of the company by way of directors loans. At no time did they make this known to me, and I was not aware of the unauthorised overdraft.

 

Do I have a case against HBOS - at the very least to make my PG invalid - or some way remove it. And possibly, as they knew this behaviour was going on, and did nothing to stop it, in fact they encouraged it by allowing an unauthorised overdraft build up, can they be implicated in the demise of the company.

 

Any comments would be really helpful. Many thanks

Link to post
Share on other sites

  • 8 months later...

I hope someone can help as I am very close to the edge here .....

 

Bank of Scotland are pursuing me for a debt I do not believe I owe, based on a personal guarantee I signed.

 

I acknowledged service and submitted a form N9b asking to have the case transferred to my local court. The next I heard was earlier this month that judgement had been entered against me. I telephoned the court and they acknowledged that they had received papers from me, as I was able to prove they had been signed for, but they could not locate my defence form.

 

They sent me through an N244 Application Notice form which they said I needed to submit within 28 days. I am in the process of completing this. But today I received notifaction from the lawyers for Bank of Scotland to say they have placed an Interim charging order on my home a of 09/11 with a hearing for the final order in January.

 

We are currently in the process of selling our house.

 

What am I going to do? I am terrified.

 

SD

Link to post
Share on other sites

Another thought - the judgement was obtained on 28/10 and it demanded payment forthwith. There is no date. How long do you get to pay in this situation? The Interim Charging Order was obtained on 9th November. is this a little quick?

Link to post
Share on other sites

In fact I've just gone back over my papers, and I received the judgement in the post on November 2nd - so surely a charging order on the 9th is a little hasty - can I do anything about getting the interim order removed particularily as I am in the process of getting the CCJ set aside so I can defend it?

Link to post
Share on other sites

scary, am not sure about the time between a judgment and the CO but would think between 14 and 28 days. However, a forthwith judgment means you must pay immediately. Lenders often do this cos it allows them to fast track enforcement

Edited by atom02
to correct typos
Link to post
Share on other sites

Thank Atom - however, it even states on the paperwork that you should allow 4 days for any payment to clear - so given time to send the payment and clear it, obtaining an interim order on 09/11 seems awful quick to me. But I can understand what you are saying. However, I am about to exchange contracts on the house any day now, so does this Interim order scupper that process?

Link to post
Share on other sites

You'll need to request a set aside of the CCJ which will cost £75.00 stating the loss of your defence paperwork within the Court System.

 

Have the Court put this in writing ?

 

Some links below on Setting Aside a CCJ -

 

CCJ removal inc. step by step guide

 

Applying for a Set-aside

 

Get the N244 completed and submitted into the courts.

 

This will stop the progress of the Interim Charging Order being made final

 

Link to post
Share on other sites

No they haven't put it in writing. I know they received it because I sent the Acknowledgemet of service and the defence together in the one envelope, and they have filed the acknowlegement of service, but not the defence. Thanks for the links - I will have a look at them.

 

Do you know if this process will also stop the interim charging order, as that will skupper the current sale of my house which is due to exchange contracts wthin days.

Link to post
Share on other sites

I'm afraid I don't think it will halt the Interim Charging Order even with your house sale so close to completion.

 

It will only stop the Court hearing for the Interim Charging Order application to be made final.

 

As far as I am aware, the Land Registry will have already placed an Interim Charging order marker on your property.

I'd speak to your solictor who you've engaged for your house sale to see if they can help.

Also, ring your local Land Registry to see if there is such a marker against your property.

 

Link to post
Share on other sites

Yes, but you need to apply for both the set aside of the CCJ and the vaccation of the interim CO at the same time on the one N244 form.

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

Link to post
Share on other sites

Good point Docman. Will that require me to pay two lots of fees do you know? I am thinking of getting some legal advice on this - if I can get some cheaply, as I think I am completely out of my depth here, and the wrong result will be devastating.

Link to post
Share on other sites

I think you only pay a fee (£75) each time you submit an application. If it covers two points on the same form, you only pay once. If you apply on two separate N244 forms, you will pay twice.

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

Link to post
Share on other sites

In order to get this form off to the court can I just outline a skeleton defence and ask that the court insist that the bank provide with documenation relating to the debt, which I have requested repeatedly, but they have simply ignored. Or do I have to put all details of my defence on the form. i need to get the form in before the end of the week, but can't afford to get any advice on building a detailed defence right now. The important thing from my perspective right now is to get the judgement and the interim order set aside so I can defend it properly.

 

ANy suggestions?

Link to post
Share on other sites

In order to get this form off to the court can I just outline a skeleton defence and ask that the court insist that the bank provide me with documenation relating to the debt, which I have requested repeatedly, but they have simply ignored. Or do I have to put all details of my defense on the form. i need to get the form in before the end of the week, but can't afford to get any advice on building a detailed defence right now. The important thing from my perspective right now is to get the judgement and the interim order set aside so I can defend it properly.

 

ANy suggestions?

Link to post
Share on other sites

http://www.consumerforums.com/resources/templates-library/51-guidance-notes/620-applying-for-a-set-aside

 

Have you supplied them with an SAR?

If you have and they have not complied then in your N244 say that you will be also making a counterclaim for breach of the DPA

Link to post
Share on other sites

Hi BankFodder - the bank account was a businiess bank account, so sadly the SAR is not appropriate. However, I had a personal guarantee in place, so the bank are using that to pursue me personally for monies owed on behalf of the limited company. My issue is that I believe the monies owed were actually personal debts of two other directors who fraudently took money from the company causing it to go into liquidation. I have asked the bank for details of the accounts/loans/overdrafts they say were in place, but all they will send is the personal guarantee documentation saying it makes no difference how the debts were accumulated, the PG covers them for all debts.

 

A judgement was made against me despite me returning the form saying I did not believe I owed the money and wanted to submit a defence, and have the hearing transferred to my local court. When I contacted the court they had no record of the form being filed, despite I having senti it recorded delivery, and the delivery was signed for. So the first I knew about it was when I received the judgement in the post. 7 days later the applied for an interim charging order against my home and it was granted. So it is this mess that I am trying to turn the clock back on, so I can at least have my day in court.

Link to post
Share on other sites

BUMP

 

Just wondering if anyone has any assistance that can offer with this. I am completing the form this afternoon to put iin the post by close of business today, so any assistance would be really appreciated.

 

Thank you.

Link to post
Share on other sites

  • 2 months later...

I am in the process of trying to get a CCJ set aside. The bank have also managed to get an interim charging order placed on my property. The court have adjourned proceedings,again, as the bank asked for more time to get evidence together. This is extremely annoying for me as I am currently in the process of selling my house - exchange of contracts is imminent.

 

Can anyone advise on what is the legal position with regard to an interim charging order being in place, and a sale of the property. I think if I hang around waiting for the next hearing (which of course may again result in an adjournment) I will lose my buyer.

 

Any advice?

Link to post
Share on other sites

Bank have attempted to place an interim charging order on my property.

 

As I joinitly own it with my husband, apparently all they can do is place a restriction on it - which they have done.

 

Apparently this does not prevent us from selling the house - which we are about to do.

 

However there is a procedure that needs to be followed, which we are not fully au fait with,

 

Has anyone else managed to do this successfully

- or are there any legal eagles out there with info on how this is to be done.

 

many thanks

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...