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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.              
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
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    • 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
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HFO Litigation Letters & monument debt


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No you can't coledog..........i had the free one. Ccancelled before the thirty days were up.

 

I applied again for the free one a couple of months ago with expeirian,because i had already signed up to it..........they refused.

 

I was expected to pay £14.95 a month........it's rip off.

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No you can't coledog..........i had the free one. Ccancelled before the thirty days were up.

 

I applied again for the free one a couple of months ago with expeirian,because i had already signed up to it..........they refused.

 

I was expected to pay £14.95 a month........it's rip off.

 

It's expensive, not sure if it's a rip off though. They do a £7 per month version (don't tell you till you try and cancel) and that comes with everything except the identity fraud insurance A.F.A.I.R

Andrew

 

Escaped the DCA nightmare, now helping others start businesses

www.ukleakdetection.co.uk

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Need to call them i think because it just tells me i am registered and use my email address i registered with.

 

But i dont know what that was.

 

Received an email from them saying they cannot trace my registration application and i need to supply name, address..

 

AND.. you guessed it the email address i signed up with originally.

 

Not tried equifax and call credit. Are these the same reports? Free trial that turns into they have taken money before you have noticed?

 

Thanks.

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  • 1 month later...

Still having issues with creditexpert. Tried the noddle initially not accepting new members then i got an email.

 

Thoughts of joy soon vanished when it asked for credit card details...

 

CE keep sending me emails to join them for a free trial but cant get past the email address and password.

 

A bit later than expected the calls have started again today. I had been expecting them for a couple of weeks now.

Maybe they have enough in the kitty for the xmas bonuses and the party bubbly?

 

Either way, Still nothing from me. I know you guys must bang your heads against the wall when people like me

ask for help yet dont do the tasks given.

 

Sorry.

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I was also registered with experian on the 30 day free trial which hs expired, they also wanted my details, however you can still obtain your £2.00 stat credit file without having to re-new the online membership, I have just done it and now have my log in details to view my file.

 

http://www.experian.co.uk/consumer/statutory-report.html follow the link to obtain file for £2.00

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With Noddle, they only need the CC for verification, and they will accept a debit card, even the £12 (if it still mentions it) is not taken just that is the old form. If you have been acceeepted onto Noddle it is free, I've been using it for months. And they will accept membership without a phone number.

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  • 4 months later...

Sorry to dissapoint but i have still been ignoring them.

 

Robscum (spelling)?? have started again also. Still being lazy and have not

got my credit report yet.

 

Few family problems since my last posts, Not a good ending but thats nothing to do with this.

 

Anyway with my best guess its 8 months left for them before they are statute barred.

 

Reason for my post today, My GF just tried opening a bank account and got refused Coop and TSB both. No reason given.

 

If she was a named card holder on my credit cards would this be why she got refused? She only had a PO account to collect child allowance and tax credits.

No other credit history. Nothing ever seems to arrive in her name. Which does now seem strange.

Rented property in both names and council tax in both names.

 

Seems rather strange as i still get CC application forms. What idiots would ever lend me money again?? Well i have learnt a big lesson and im not stupid enough to take them up ever again.

 

What does she need to do? Any help/advice?

 

Thanks.

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Sorry to dissapoint but i have still been ignoring them.

 

Robscum (spelling)?? have started again also. Still being lazy and have not

got my credit report yet.

 

Few family problems since my last posts, Not a good ending but thats nothing to do with this.

 

Anyway with my best guess its 8 months left for them before they are statute barred.

 

Reason for my post today, My GF just tried opening a bank account and got refused Coop and TSB both. No reason given.

 

If she was a named card holder on my credit cards would this be why she got refused? She only had a PO account to collect child allowance and tax credits.

No other credit history. Nothing ever seems to arrive in her name. Which does now seem strange.

Rented property in both names and council tax in both names.

 

Seems rather strange as i still get CC application forms. What idiots would ever lend me money again?? Well i have learnt a big lesson and im not stupid enough to take them up ever again.

 

What does she need to do? Any help/advice?

 

Thanks.

 

She will be able to get an account with the COOP if she asks for a cashminder account - it has the same function as a normal current account but you are unable to go into overdraft - or have any kind of credit facility - but you can use it to set up DD's etc. and comes with a debit card.

 

Nat West do a similar account but i can not remember what it is called.

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Agree - she should be able to get a 'Basic' account

 

It would be worth you both getting hold of your credit reports to find out what exactly is on there

 

Have your heard anything from HFO or Roxburge whoc are now chasing some of these accounts?

Please support CAG and they will support you.

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Only the same threat letters, We might or may take you to court etc etc..

 

Robs.. Last chance before we consider taking you to court and our paperboy with muscles will

call, if you dont contact us. This is the 1st letter i have had for some time from them.

 

OK not their wording but my interpretation.

 

Puzzled as to why she cannot open an account, Also she never gets CC offers etc.

 

We have lived here for about 20 years. Dont think i have ever seen anything credit wise offered in her name.

 

How can she get some form of credit history so that she can at least open a bank account?

 

So apply for credit reports for both of us, I really must sort that. But everytime i think about it another family

issue happens.

Me being lazy doesnt help i guess.

 

All this because they made threats and were unhelpful when i 1st contacted them to say i couldnt afford to pay them the full amount.

 

Thanks guys, I know im a pain in the butt and seems like i dont listen, But i am. But the ignore it option still seems to work.

 

Please dont ignore me.

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Not ignoring you at all - please make sure that you keep all correspondence and envelopes, even though you are not responding.Your priority payments and life will always come before the threats of DCAs so do not worry about it.

 

Do try and get Experian and Equifax credit reports for self and partner - £2 standard postal ones will do, these can be very revealing and may help you to understand what is going on here!

Please support CAG and they will support you.

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You wull not find out why she has issues getting an account untill you get a copy of your credit file.

 

Regards Opening a Bank Account - you have to ask for the basic account - the coop one is called the cashminder account Here is link to it.

 

http://www.co-operativebank.co.uk/servlet/Satellite/1193206368743,CFSweb/Page/Bank-CurrentAccounts

 

here is a link to the Nat West basic account.

 

http://www.natwest.com/personal/current-accounts/g1/basic-account.ashx

 

But remember you have to ask for the basic account or they will process the appliction for a normal current account.

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I heard that before, People being refused because the bank didnt process for the basic account.

 

Seemed to be a bit hit and miss.

 

It's because they assume you require a normal current account - they don't get a bonus for opening a basic one.

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  • 1 month later...

OK FINALLY i got my credit report. Maybe i made a booby though?

 

I used equifax not experian, Does that matter?

 

Nothing listed under court information, So i guess thats a good sign. Several companies still do regular checks on me.

Cabot debt listed twice for some reason?

 

I think i just clicked as to how to tell when i last paid. Green = paid on time. Yellow 1 = 1 or 2=2 missed payments and

a 4 = 4 months+ missed. Printers playing up and not very clear.

 

Seems like Sept 2006 = yellow 1's across the board. Default dates from October 2006 to April 2007.

 

Couple say settled. One says reassigned but not to who. Other says settled?

 

Thanks for putting up with me.

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Done Experian. Had a better look and its a bit confusing. I thought it would have original CC company data then some mention

of the company they sold it to if any.

 

But it seems like some items are not there, One collection letter said i owed nearly £10,000. Yet my biggest CC

credit limit was £6000. So i assume thats £3000+ worth of charges and interest?

 

One says assigned yet, Does not state who its assigned to.

 

Another letter from Lowells, But the figure does not match anything on my credit file?

 

Lowells still check my credit file, 3 times in 10 days last year, Usually every few months.

Says unrecorded enquiry. A few odd searches from insurance companies.

 

So what is the important date? Last payment or default date? Looking like last payments were around Sept

2006. Some defaulted Sept/Oct 2006 others upto April 2007.

 

Thanks.

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Last payment date is the key. Debts become SB 6 years (5 if you reside in Scotland) after the last missed payment so this is normally one month after the last payment was made for monthly accounts. Looks like Sept/Oct is the key but beware of creditors trying to bump this by issuing court proceedings just before!

Please support CAG and they will support you.

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Well im in the same situation, I have nothing to offer them. So it would take years to reclaim even the court fees.

 

If one did decide to take me to court, Would the fact there are several other companies all asking for money impact on that?

 

Not sure if everything is on the report. Im sure there are some missing? Or maybe the amounts are not correct?

 

Thanks.

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