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    • 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...
    • I would say You should accept it - I HIGHLY doubt you will  be able to claim for letters at trial ans they’re offering you that, which is higher monetary value than interest.   Also they raise a good point, getting interest at anything above 4% is lucky these days, yes judges give it, but rarily above 4%   Also you might find depending on the judge  you don’t get some costs if you take it all the way over £7.40 when court woukdnt award letters costs and thus meaning their award would be less than evris offer which was made    Up to you though but the wait will be 3-4mo for a trial date at least
    • Hi Folks, Been 162 days! Just by way of update. Today I received a text from Opos Ltd so no doubt Capquest are renting the debt out to anybody who fancies a nibble. Safe to say I will not be responding.
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    • 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.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      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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Assaulted by Brighthouse/Caversham Finance doorsteppers claiming to be bailliffs - they are NOT!!


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Thanks for the update. Hopefully you will be able to let us know more.. soon :)

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Had a very interesting chat with Trading Standards today but I have been advised not to discuss it (for now).

 

Still nothing from Brighthouse, not even an acknowledgment of the complaint.

 

There is a reason TS have told you not to discuss the matter. I won't go into on forum, but the reason will become apparent in due course.

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Feel free to PM me Old Bill (if you would like to share)

 

 

 

 

Edit:- I cannot reply to PM's until I have 30 posts but you've hit the nail on the head OB :-)

Edited by gl1tangerine
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Got a reply from the OFT credit fitness team today....

 

 

Consumer Credit Act 1974 (the Act)

Complaint Against: Caversham Finance Limited trading as BrightHouse

Licence No: 0345103

 

Thank you for your email received on 15 July 2012.

 

I can confirm that the business you mention holds a consumer credit licence. Under the Consumer Credit Act, holders of consumer credit licences must be fit and competent to do so and the Office of Fair Trading (OFT) has a duty to monitor the fitness and conduct of all traders who hold such a licence.

 

The OFT has issued guidance to consumer credit licence holders engaged in the debt collection industry. The guidance is intended to ensure that debt collectors treat individuals fairly. Non-compliance with this guidance will call into question the fitness of licence holders and applicants.

We have therefore recorded the details of your complaint, and we will consider this alongside any other complaints we have received with a view to any consumer credit licensing or other action we may decide to take. If we do take any action against this trader we may need to contact you again in the future. Unfortunately, we cannot disclose any details about any action we may take, due to legal restrictions on the OFT relating to disclosure of information.

 

 

 

Also had an email from Brighthouse notifying me that a Derek Nelson (asset recovery manager) will be contacting me to resolve the situation within 48 hours. Whilst doing a bit of digging I came across one of their adverts for "Asset Recovery Assistants"

 

 

Job Description: Driving a vehicle in accordance with company policy maintaining mileage records and vehicle checklists. Regular lifting of heavy household goods, and product protection. To operate within the current OFT debt collection guidelines and the companies stated Positive Collections Practices you may on occasion be required to work outside your normal geographical area in order to fulfil the business needs. You should have the ability to communicate with customers on a face to face basis. You must be motivated and thrive in a results driven environment. You need to be physically fit and capable of lifting large household items. A reasonable standard of education is required, including clear and precise written English and basic arithmetic. Full driving licence with no more than 3 penalty points.

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Got a reply from the OFT credit fitness team today....

 

 

 

 

 

 

Also had an email from Brighthouse notifying me that a Derek Nelson (asset recovery manager) will be contacting me to resolve the situation within 48 hours. Whilst doing a bit of digging I came across one of their adverts for "Asset Recovery Assistants"

 

The email from the OFT Credit Fitness Team is encouraging. Operating with the OFT Debt Collection Guidelines does not mean the company is compliant with them. In fact, the exact opposite is the case. Impersonating a bailiff is a criminal offence, punishable by imprisonment. Doing what they did is totally illegal. It is Burglary per se. i would suggest you do not take any BS from Mr Nelson.

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gl1tangerine

 

Thanks for the updates.Its quite understandable that you will be a bit restricted on what you can post now.

I know that this can be frustrating and a pain for those subscribed and wanting to help further and of course know whats happening.

The pm availability only being available to users with 30 posts,was sadly something that had to be introduced not for spamming,but touting following a period of what appeared to be orchastrated.

Its a shame that these things can affect genuine users who may benefit from having a pm function availalable.

But there is discretion and it seems to me that in this case it should be given.

I am therefore going to sort it now so you will be able to have the pm facility immediate.

Just be careful that you respond to users who have been engaging already,as there is no doubt there will be interest from the other side.

I also ask that Old Bill even if unable to elaborate on any disclosures will continue to post here to keep everyone in the loop.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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You now have 31 posts.:wink:

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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gl1tangerine

 

Thanks for the updates.Its quite understandable that you will be a bit restricted on what you can post now.

I know that this can be frustrating and a pain for those subscribed and wanting to help further and of course know whats happening.

The pm availability only being available to users with 30 posts,was sadly something that had to be introduced not for spamming,but touting following a period of what appeared to be orchastrated.

Its a shame that these things can affect genuine users who may benefit from having a pm function availalable.

But there is discretion and it seems to me that in this case it should be given.

I am therefore going to sort it now so you will be able to have the pm facility immediate.

Just be careful that you respond to users who have been engaging already,as there is no doubt there will be interest from the other side.

I also ask that Old Bill even if unable to elaborate on any disclosures will continue to post here to keep everyone in the loop.

 

Certainly. If gl1tangerine PMs me, I'll feed what I can to those who have helped gl1tangerine on this thread.

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Ta I am sure you will.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Well the 48 hours have come and gone and not a peep from Caversham/Brighthouse, despite their promises. Very disappointing :|

 

 

Well unless they have written or intend to email you, there is not much hope they will phone over the weekend! :(

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2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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To be honest I wasnt holding out much hope.

I expect any response to be extremely guarded given the seriousness of the allegations.

They are probably looking at the best way for them to mitigate.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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To be honest I wasnt holding out much hope.

I expect any response to be extremely guarded given the seriousness of the allegations.

They are probably looking at the best way for them to mitigate.

 

On what grounds? They know what has happened is serious and there is little chance of them being able to talk their way out of it or mitigate their employees' conduct in any way. I would not be surprised if Brighthouse and Cavendish Finance had been advised to say nothing in case they compound matters even further. Their Asset Recovery Manager is in serious poo, his out-of-control junior colleagues are in even deeper poo and the directors, officers, managers and secretary of the companies of Brighthouse and Cavendish Finance are certainly in the poo, in more ways than one. Serious breaches of the CCA and OFT Guidelines ain't going to go down well with the OFT or a court of law. Whatever way you look at it, Brighthouse and Cavendish Finance have got an incredibly difficult and uphill battle on their hands to try and convince the authorities they have acted within the law.

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I would not be surprised if Brighthouse and Cavendish Finance had been advised to say nothing in case they compound matters even further.

 

Yes this was my meaning.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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It's their entire MO in question. Fair enough it wont state it in their manuals, but its their de facto to ensure results.

 

They will also be aware it's on here, which lessens the chance of 'sorry, the guys were new, you just keep the stuff' get out, with the chances of the police perspective pushing the stakes far further.

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Why have you not brought an assault charge and criminal proceedings? This is not just a civil matter; it is a serious criminal matter. You were assaulted on your own doorstep! Bring a criminal complaint against them.

 

Did your partner suffer any injury to their face when the Cockroach Brothers pushed them against the wall? If so, could you post up the extent of any injury, please? This will determine whether pursuing a criminal complaint is viable. As for the Burglary Artifice matter, the police should have dealt with this at the time. I would be inclined to make a complaint to the Professional Standards Department of the police force involved or the IPCC.

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Hi again,

 

I tried sending you a pic OB but it didn't seem to work for some reason. The good lady is not too happy having her face plastered all over the internet.

 

Still no contact from them at all. :-x

 

I hope they are not thinking that if they ignore the problem then it will disappear.

 

Have a great weekend all and I hope the good weather stays around for a while :)

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Hi,

When the Police arrived I informed the officer what had happened and that we wanted to press charges against the bailiff for assault. The Police officers who were talking to the bailiff then approached and notified me that if we were to press charges against the bailiff then he would be making a counter accusation of assault and racial abuse and I would also be arrested.

 

Had my 13 year old daughter not been there and already hysterical then I would have gladly taken the counter allegation on as he had no physical marks (unlike my partner). As it was I was left with no option but to drop the matter (in my opinion)

the bailiffs left the scene and even managed to give me a cheeky wave and blew a kiss as they were pulling off.

 

The Police officer who was dealing with them was kind enough to say "Well none of this would happen if you just paid your f****** bills" :!:

 

The police man had no right to suggest to you to pay your bills and should not be allowed to get away with it especially if he swore.

 

I strongly suggest that you take this up with the chief constable even if by some chance you are in the wrong.

 

You are paying their wages and should not be treated like something on the bottom of your shoe.

 

I am not sure but it may not be too late to raise the charge of assault if there was no racial undertones from yourself.

 

Perhaps they are playing the race card and need to be told that it does not always work for them!

 

Being a former police officer from Africa I intensely dislike policemen who abuse their powers and people who play the race card!

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The police man had no right to suggest to you to pay your bills and should not be allowed to get away with it especially if he swore.

 

I strongly suggest that you take this up with the chief constable even if by some chance you are in the wrong.

 

You are paying their wages and should not be treated like something on the bottom of your shoe.

 

I am not sure but it may not be too late to raise the charge of assault if there was no racial undertones from yourself.

 

Perhaps they are playing the race card and need to be told that it does not always work for them!

 

Being a former police officer from Africa I intensely dislike policemen who abuse their powers and people who play the race card!

 

:amen:

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gl1

as has been mentioned, their MO is not new. in 09 'A former employee, Tristam Meyrick, told Newsbeat that the company tried to repossess goods without obtaining a court order, saying "We would just lie our way around it. Tell them we had the legal right to be there, and refuse to leave until they gave us the stuff." Commercial director Hamish Paton denied the company mistreated its customers, saying "We would only ever take the goods with the consent of the customer". Chris Tapp, director of charity Credit Action called for the OFT to investigate' wikip, http://news.bbc.co.uk/newsbeat/hi/the_p_word/newsid_8049000/8049351.stm

 

and, they're still doing it!!

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