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    • 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.              
    • 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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    • 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.

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welcome finance secured loan but dont think it was on the deeds


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set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

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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follow the guide

 

attach a PDF

 

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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This is naughty

 

dx100 is very good at helping people post documents on the forum, he has been doing it now for a number of years

 

I REALISE IT CAN BE FRUSTRATING AT TIMES, BUT PLEASE KEEP ON TRYING

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frustrating is an under statement Ive felt like throwing pc out the window, I just about know how to switch the pc on let alone do pdf's and the likes.

 

thanks for your help dx i think ive sorted it now and uploaded pdf's as you required please let me know if it has been done correctly

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yea done once its then easy

 

well done

 

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

Lets get to the bottom of this shall we

 

Do you have any policy documents etc on the payment protection insurance?

 

Do you have a statement of price?

 

I do have the policy document for the ppi, ppi I know I can reclaim but do not want to do this until disputes I have on the account are rectified, as I say they have capitalization and all kinds of charges that need to be looked into before I reclaim ppi.

 

I am not sure what you mean by statement of price im afraid.

how do I stand with the MIF on this agreement?

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When i ask questions, i do it for a reason so please do not try and jump to conclusions.

 

I have asked for the policy document as this loan is over 15 years, i need to confirm how long the ppi cover will have lasted

 

The statement of price document will show that

 

The true cost off these insurance products have been incorporated into the loan over the full term of 15 years, that includes the MIF element

 

Ask yourself, why has MIF been charged when this is nothing more than a secured loan. Mif was charged on secured loans above £25000 on non regulated agreements. Yours is a regulated agreement under the CCA 1974, not a mortgage

Edited by postggj
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Who is the policy administered by, is it direct group??

 

DO YOU HAVE THE POLICY DOCUMENT???

 

CAN YOU POST UP THE STATEMENT OF PRICE DOCUMENT

 

It is a document that states how much this insurance crap will cost you over the term of the agreement

Edited by postggj
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Hi Postggj,

 

I have the policy document for the insurance and it is adminstered by direct group limited

 

I do not have the statement of price document with my original paperwork of which I had all of it , neither was it given to me when I did a sar request

 

the only form with figures on is the agreement that has been posted up in post 29

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I have been looking at a case Griffiths v Welcome

 

The judgement stated that the MIF was not an insurance, but a charge for credit, i will post up the case for you to look at if you wish

 

Our angle of attack will now be on how those fees are incorporated into the agreement as they are a charge for credit

Edited by postggj
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I have been looking at a case Griffiths v Welcome

 

The judgement stated that the MIF was not an insurance, but a charge for credit, i will post up the case for you to look if you wish

 

Our angle of attack will now be on how those fees are incorporated into the agreement as they are a charge for credit

 

I receivced the sar january this year, any help is gratefully appreciated

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You are going to have to send another SAR to welcome

 

When you send the SAR you will need to stipulate that you require these document

 

Statement of price for the insurance products

Statement of means for the insurance products

Insurance underwriting sheet (we can ask for that, they may send it out in error):-)

 

The statement of price is what we really need. That document will show the true cost of this insurance crap and fees incorporated over the life of the agreement

 

Without those two articles we have reached a stage of inertia to continue, we need a cause of complaint and be able to back up the reason for that complaint

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Hi is there a template available for the sar including the points that need to be covered?, do I have to pay another £10 for this info?

 

are they required by law to provide these 2 statements? as welcome are rather slippery and do not like handing out info

 

thanks for your help

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You should have got them the first time you made the SAR request, that is why i have made a point of you specifically asking for those documents this time as well as all the other data

 

I am afraid it will cost another £10 due to the length of time passed since your last request without challenging

 

They are worth there weight in gold and ask yourself, why did the omit including them in your last request

Edited by postggj
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So are they legally obliged to give me those 2 sheets i require? will send off sar tommorow and post details up as soon as I hear any news, they took a full 40 days to provide info last time so I assume they will drag it out to the bitter end this time also.

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Recived £10 fee back from welcome stating fee allready paid with no additional info. Postggj are they legally obliged to send me the 3 items listed. Where do I stand now as i see them just ignoring the points

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Statement of Means and Price yes, Underwriting sheet NO, but always ask

 

Lets start playing their game now shall we

 

Send them another letter by recorded delivery

 

As them to confirm that they either do, or do not have copies of those documents. Tell them you are not making this request under the DPA 1998

 

BUT A REQUEST UNDER:

 

THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008

 

If they do not have these documents then it is confirmed mis-selling of insurance crap, and charges for credit incorporated into the agreement will be called into question

 

You now have to ask yourself

 

What are Welcome trying to hide???

Edited by postggj
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