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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.
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Morning.

Im new to the site and looking for help.

 

I took a look at my credit file found that

 

i have 4 defaults which you can see below.

They are for small amounts and i want to start the task of trying to get them removed by paying them off in full one at a time.

 

Could someone please advise if i stand much of a chance with this? And as to where ill maybe start.

 

Had my head buried in the sand and want to get back on track,

thanks in advance.

 

The close motor finance default was for last payment on a 48 month deal,

thought it was finished and canceled DD..gutting!!

 

 

 

 

vanquis credit card

Date of Birth Terms0 @ £ 0 (Monthly)

StatusDefaulted

Current Balance£ 337

Start Balance£ 0

Credit Limit£ 0

Default / Delinquent Balance£ 427

Start Date18/05/2011

Date Updated13/11/2012

Date Last Delinquent

Date Satisfied

Default Date30/04/2012

Payment Amount

Previous Statement

Balance Cash Advance

Amount

Number of Cash Advances During Month

Credit Limit

Change Minimum Payment?'''

 

 

 

Communications Supplier from Lowell Portfolio 1 Ltd (I);;

 

Name

Date of Birth Terms

0 @ £ 0 (Monthly)

StatusDefaulted

Current Balance£ 317

Start Balance£ 0

Credit Limit£ 0

Default / Delinquent Balance£ 270

Start Date08/05/2009

Date Updated26/03/2012

Date Last Delinquent

Date Satisfied

Default Date04/06/2010

 

 

Hire Purchase from Close Motor Finance Limited (I)

Name

Date of Birth

Terms48 @ £ 0 (Monthly

)StatusDefaulted

Current Balance£ 193

Start Balance£ 0

Credit Limit£ 0

Default / Delinquent Balance£ 193

Start Date02/12/2004

Date Updated04/03/2009

Date Last Delinquent

Date Satisfied

Default Date24/02/2009

 

Credit Card from Capital One (Europe) Plc (I)

Date of Birth

Terms0 @ £ 0 (Monthly)

StatusDefaulted

Current Balance£ 643

Start Balance£ 0

Credit Limit£ 200

Default / Delinquent Balance£ 643

Start Date09/09/2004

Date Updated06/04/2010

Date Last Delinquent

Date Satisfied

Default Date22/03/2010

Payment Amount£ 0

Previous Statement Balance£ 590

Cash Advance Amount£ 0

Number of Cash Advances During Month0

Credit Limit ChangeNo Change

Minimum Payment?

Promotional Rate;No

Edited by jasonrnewton
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unless you can prove the defaults were not a true reflection of your use of the A/C's

 

[i'e' penalty charges etc]

 

you'll have a very hard job in removing them.

 

paying will make no odds

 

they would still show for 6yrs from the default date

 

regardless to a settled marker on the actual A/C

 

dx

 

 

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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Thanks for the reply Dx. Not sure i understand what you mean about penalty charges?.

 

Is there much chance appealing to there better nature once paid in full .requesting default removal as the amount is small and ive learnt by my mistakes?

 

Once again thank you for the advise..ja

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iF you were levied a 'penalty' because you say missed a payment & that was the sole reason for the 'default'

then you could argue that was unfair and should be removed if you reclaim the penalty charges.

 

if you offer to settle the debt

it MUST be on the sole condition that

ALL neg data is removed and the debt marked as SETTLED not PARTIAL settlement.

 

as for the debt with lowlife.

 

they would have brought the debt

 

so that one might be easy to cure.

 

just remember

everything in WRITING

 

 

never discuss your debts on the phone

 

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

Hi,

 

If you don't have statements for your accounts you would have to send a Subject Access Request to the origional creditors of each debt, this will show you how much has been added to the debts re: charges ect which can be reclaimed.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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At best if the balances are paid off in total is that the creditors will mark the files as satisfied and the entry remains for the balance of the 6years, unless as dx100 said there is a very good reason for challenging the results.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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How would i find out who the original lowlife debt was to? i dont have the paperwork now

 

 

Mentions it's a Communications Supplier, does this not ring any bells, I'm not sure it's worth sending the SAR for that one could be a waste of a £10.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Thanks maroon...So should i just write to lowlife offer to settle if they remove the default?

 

As said unless you have a valid reason for removal eg the debt is entirely charges, or the default was placed late all the creditor/DCA can do is mark as satissfied.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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The Information Commissioners Office in their technical Guidance that ''defaults should be placed timely, usually within 6 months of the cause of action'' and that

 

''If a default sum consists of ''charges without which the account would not have defaulted, NO default should be placed''.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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If the debt has been sold to a DCA/debt purchaser the have the same obligations to report the conduct of the account in accordance with the original agreements terms and conditions, which will include reporting an accurate and up to date picture of the conduct of the account to credit reference agencies.

 

So if a properly placed default entry is made and the default is satisfied that is what must be reported.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hi,,should i send the SAR to the customer services address for both Vanquis and also Capital One?

 

Many thanks

 

Hi,

 

Site Team member ims21 has advised using the registered office addresses..............

 

Capital One (Europe) plc. Registered Office: Trent House, Station Street, Nottingham, NG2 3HX.

 

and

 

Vanquis Bank Ltd : No. 1 Godwin Street, Bradford, West Yorkshire BD1 2SU

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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mark it FAO: THe Data Controller.

 

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

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